Florida Roofing Workers Comp Rates (2026)
Florida does not publish its roofing class figures online. Across the 26 states that do, the median typical premium is about $11.21 per $100 of payroll. Ask a carrier or the state's rating bureau for the current Florida figure.
No official Florida figure is available online, so the numbers below use the US median of the states that publish one.
Florida class code for roofing
- 5551: Roofing - All Kinds & Drivers
Falls are the main hazard in roofing. In 2023 roofing contractors accounted for 110 fatal falls, 26 percent of all fatal falls in construction (BLS).
What comp costs per roofer in Florida
The Bureau of Labor Statistics counts 23,550 roofers on payrolls in Florida (May 2025), the 1st largest workforce among the 50 states and DC. The median wage is $22.88 an hour, 14% below the US median of $26.65.
This trade is a bigger part of the Florida job market than it is nationally: roofers hold 2.7 times their national share of jobs there.
At the US median of $11.21 per $100 of payroll (Florida does not publish its figure online), comp on one worker at that wage costs about $2.56 for every hour worked, or $5,335 a year full time. A 4-person crew comes to roughly $21,340 a year in premium before any experience mod.
Because premium is charged on payroll, who you hire moves the bill. Florida pay runs from $15.98 an hour at the 10th percentile to $30.68 at the 90th, so the same rate costs $1.79 an hour on a new hire and $3.44 on a senior hand.
Workers comp requirements in Florida
- Coverage required: 4+ employees; 1 for the construction industry
- Owners and sole proprietors: Construction owners are automatically employees and cannot exempt out; officers may exempt up to three
- State fund: Private market (no state fund)
- Waiting period: 7 days; retroactive if disability exceeds 21 days
- Penalty for going without: Stop-work orders plus a penalty of twice the premium avoided over three years (minimum $1,000)
Florida's construction carve-out drops the threshold from four employees to one, and construction owners cannot exempt themselves the way corporate officers can.
Florida vs neighboring states
Florida does not publish its figure, so the first row is the US median. Among neighbors that publish, Alabama is the cheapest for roofing comp at about $6.36 and Georgia the most expensive at about $17.31 per $100 of payroll.
If your crews work across the line, list those states under item 3.A or 3.C of your policy before the job starts. Rates follow the state where the work is done, not where your office is.
What moves a roofing comp bill
- Falls drive roofing claims, and one serious fall can push your experience mod well above 1.0 for three policy years. A written fall-protection plan and documented toolbox talks are what carriers ask to see before they offer a safety credit.
- Uninsured subcontractors are the most common audit surprise in roofing. If a sub cannot show you a certificate of insurance, the auditor adds what you paid them to your own payroll at the roofing rate.
- Estimators and salespeople who never go on a roof can often be classed separately at a far lower rate, but only if your payroll records show their hours apart from field work.
- Overtime premium (the extra half in time and a half) is excluded from comp payroll in most states. Record it separately so you are not charged the roofing rate on it.