Workers' Compensation Insurance — NCCI Class 5551
Roofing is one of the most dangerous trades on the books, and NCCI Class Code 5551 reflects it. Correct classification, accurate payroll splits, and true multi-state compliance are the difference between a fair premium and a brutal audit. We specialize in getting storm restoration crews covered — across every state you work.
Coverage Details
Medical & Lost Wages
When a crew member is injured — a fall, a nail-gun mishap, heat exhaustion during a summer tear-off — comp pays their medical bills and a portion of lost wages, with no fault questions asked. It's mandatory in nearly every state for a reason.
NCCI Class 5551 Classification
Class 5551 is the roofing classification carriers use to rate height-exposed work. Misclassification (or sloppy payroll splits between roof and ground work) leads to overpaying or a painful audit. We classify your payroll correctly from day one.
Multi-State Compliance
Storm crews cross state lines constantly. We structure your policy to cover every state you work, handle monopolistic states correctly, and keep you compliant so a new hail market never leaves a worker — or your business — exposed.
Employer's Liability
Beyond statutory benefits, employer's liability protects you if an injured worker sues outside the comp system. It's the part of the policy that defends the business itself.
Return-to-Work & Claims Management
We work with carriers that manage claims actively and support return-to-work programs — keeping your experience mod in check and your premiums lower over time.
Sub-Contractor Exposure
1099 crews and uninsured subs can be pulled into your comp audit. We help you collect certificates and structure coverage so you only pay for the payroll that's truly yours.
Is This Coverage Right for You?
If any of these describe your storm restoration business, this coverage belongs in your program.
- Any roofing or storm restoration business with W-2 employees (required in most states)
- Contractors working crews across multiple states during hail season
- Businesses that have been misclassified or overcharged on the 5551 class
- Companies bidding GC work that requires proof of workers' comp
- Restoration businesses using a mix of W-2 and 1099 labor
- Contractors hit with surprise audit bills under their current carrier
The Right Coverage, Placed by People Who Get It
We Know 5551 Cold
Roofing comp is our specialty. We get classification and payroll splits right so you don't overpay or fail an audit.
True Multi-State Setup
We build coverage that follows your crews across state lines, including monopolistic-state handling where it applies.
Audit Protection
We prep you for audits, help manage sub COIs, and fight misclassification so the year-end bill holds no surprises.
Workers' Compensation Insurance — NCCI Class 5551 — FAQ
Straight answers from a team that specializes in storm restoration.
It's the NCCI roofing classification carriers use to rate workers' comp for crews working at height on roofs. It carries one of the highest base rates of any trade due to fall exposure, so accurate classification is essential.
Get Your Free Storm Insurance Quote Today
15-minute quotes. A-rated carriers. Coverage that follows your crews across every state line.