What is a PEO broker?

A PEO broker is an independent advisor who compares Professional Employer Organizations on your behalf. Instead of approaching one PEO directly, a broker like Advantage Business Partners shops the full market to find the best rates and fit for your company — at no additional cost to you, since brokers are compensated by the PEOs.

How much does Advantage Business Partners charge?

The initial strategy session is completely free. For most services, Advantage Business Partners is compensated by the vendor or provider — not by the client. There is no obligation to purchase anything after your consultation.

What areas does Advantage Business Partners serve?

Advantage Business Partners is headquartered in Lakewood Ranch, Florida and serves businesses throughout Florida — including Sarasota, Tampa, Orlando, Jacksonville, Naples, and Fort Myers — as well as select markets nationally.

How much can a small business save with Advantage Business Partners?

Savings vary by company size and services selected. Common outcomes include up to 25% reduction in health insurance and workers comp premiums through a PEO, approximately $1,100 per employee per year in payroll tax savings, and 40 to 50 percent lower cost per hire using remote workforce solutions.

What is ABP Advantage?

A high-performance digital infrastructure platform that synchronizes human capital, payroll, benefits, workers' comp, ai technology, marketing and funding for enterprise-scale growth.

PEO Workers Comp Guide

Roofing Workers Comp

Best Workers Comp Companies for Roofing

The Companies That Actually Accept Roofing and Price It Fairly

Roofing carries the highest workers comp base rates of any trade. Many carriers refuse to write roofing at all. The best workers comp companies for roofing understand the class codes, offer group rating, and accept the risk that most insurers will not. Here is how to find them.

20%+

Savings through group rating

Highest

Base rates of any trade

Many

Carriers refuse roofing

Free

To compare roofing workers comp

What We Compare

How We Evaluate Workers Comp Companies

Roofing Class Code Expertise

The best workers comp companies for roofing understand residential and commercial roofing class codes and how to classify your work accurately to avoid overpaying.

Group Rating Access

Companies that pool roofing payroll into group rating programs can lower your effective rate 20 percent or more. Not all carriers offer this for roofing.

EMOD Improvement Programs

Roofing claims drive EMODs above 1.0 quickly. The best companies provide claims management that helps improve your modifier over time.

Fall Protection Support

Falls are the most common and costly roofing claim. The best workers comp companies provide safety program support and training materials.

Subcontractor Compliance

Roofing companies often use subcontractors. The best companies help manage sub insurance requirements so uninsured sub claims do not fall back on you.

Pay-As-You-Go Billing

Roofing payroll fluctuates seasonally. Pay-as-you-go ties your premium to actual payroll instead of estimates, eliminating large audit bills.

The Challenge

Why Finding Workers Comp for Roofing Is Hard

Roofing is consistently ranked among the most dangerous occupations in the country. Fall risk, heat exposure, and equipment accidents make roofing class codes carry some of the highest base rates in workers comp. Many insurance carriers refuse to write roofing coverage at all. The carriers that do accept roofing often charge premium rates that eat into your margins. For a roofing company, workers comp is usually the single biggest cost line after labor.

Roofing class codes carry the highest base rates of any trade
Many carriers refuse to write roofing coverage
Fall risk is the primary driver of severe claims
Claims history pushes EMODs above 1.0 for many roofers
Workers comp is often the biggest cost after labor
Seasonal payroll fluctuations complicate budgeting

How to Evaluate

How to Evaluate Workers Comp Companies for Roofing

The best workers comp companies for roofing share a few traits. They accept roofing without hesitation. They offer group rating or deductible programs that lower your effective rate. They provide pay-as-you-go billing. They have claims management teams that understand roofing injuries. And they offer safety program support focused on fall protection. A broker who knows the roofing market can identify which companies check these boxes and compare their total cost side by side.

What to Look For

What to Look For in a Roofing Workers Comp Company

Start by confirming the company accepts roofing at your class code. Ask whether they offer group rating and what the effective rate would be for your payroll. Check for pay-as-you-go billing. Ask about their claims management process and whether they provide fall protection safety materials. Compare the total cost including any markups, fees, or administrative charges. A broker who works with roofing companies can run this comparison for you at no cost.

FAQ

Roofing Workers Comp FAQ

Which companies offer the best workers comp for roofing?

The best workers comp companies for roofing are those that specialize in high hazard trades and offer group rating. These include certain PEOs and specialty carriers that accept roofing class codes. The right company depends on your payroll size, claims history, and whether you use subcontractors. We compare the companies that accept roofing to find the lowest total cost for your business.

How much can a roofing company save on workers comp?

Roofing companies can save 20 percent or more through group rating programs. Because roofing base rates are so high, the dollar savings can be substantial. A roofing company paying $200,000 per year in workers comp could save $40,000 or more by moving to a company with better group rates.

Why do some workers comp companies refuse roofing?

Roofing has the highest injury severity of any trade due to fall risk. Many carriers will not accept that level of risk. The companies that do accept roofing typically require strong safety programs, proper subcontractor compliance, and may charge higher rates. A broker can find the companies that will accept your roofing business and compare their pricing.

Can a PEO offer better workers comp for roofing than a standard carrier?

Often yes. PEOs that specialize in roofing have group rating arrangements with carriers that understand the roofing risk. By pooling your payroll with other roofing businesses, the PEO earns group rating discounts that can lower your effective rate 20 percent or more. The PEO also handles claims management and safety program support, which helps improve your EMOD over time.

Explore More

Best Workers Comp Companies by Trade

Best Workers Comp for Plumbers

The best workers comp companies for plumbing contractors.

Best Workers Comp for Electricians

The best workers comp companies for electrical contractors.

Best Workers Comp for Framers

The best workers comp companies for framing contractors.

Best Workers Comp for Carpentry

The best workers comp companies for carpentry businesses.

Best Workers Comp for Painters

The best workers comp companies for painting contractors.

Best Workers Comp for Trades

The best workers comp companies for skilled trades.

Best Workers Comp for Air Conditioning

The best workers comp companies for HVAC and A/C contractors.

Best Workers Comp for Construction

The best workers comp companies for construction companies.

Free Workers Comp Comparison

Compare Workers Comp Companies for Your Trade

We compare workers comp companies and PEOs that accept your trade and deliver a clear, written comparison. Free, no obligation.