Missouri Roofing Workers Comp Rates (2026)
The published Missouri loss cost for roofing workers comp, class 5551 (Roofing - All Kinds and Drivers), is $10.136 per $100 of payroll (effective January 1, 2026). Carriers multiply it by their own filed multiplier, so a typical premium is about $15.20.
A loss cost covers expected claims only. Each carrier files its own multiplier for expenses; in the states that publish the full list, the median is about 1.5, which is what the typical premium here uses. Your quote can be lower or higher. Source.
Missouri 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 Missouri
The Bureau of Labor Statistics counts 2,050 roofers on payrolls in Missouri (May 2025), the 22nd largest workforce among the 50 states and DC. The median wage is $23.35 an hour, 12% below the US median of $26.65.
Roofers make up about the same share of Missouri jobs as they do nationally (location quotient 0.80).
At a typical Missouri premium of about $15.20 per $100 of payroll (the published loss cost of $10.14 for class 5551 times a 1.5 carrier multiplier), comp on one worker at that wage costs about $3.55 for every hour worked, or $7,382 a year full time. A 4-person crew comes to roughly $29,529 a year in premium before any experience mod.
Because premium is charged on payroll, who you hire moves the bill. Missouri pay runs from $18.50 an hour at the 10th percentile to $37.84 at the 90th, so the same rate costs $2.81 an hour on a new hire and $5.75 on a senior hand.
Workers comp requirements in Missouri
- Coverage required: 5+ employees; 1 for construction
- Owners and sole proprietors: Sole proprietors and partners are treated as employers, not employees, and don't count toward the threshold
- State fund: Private market (no state fund)
- Waiting period: 3 days; retroactive if disability lasts more than 14 days
- Penalty for going without: Knowing failure is a Class A misdemeanor; liability up to three times the premium or $50,000
Missouri's construction rule (one employee) is far stricter than its general five-employee threshold.
Missouri vs neighboring states
- Iowa: about $10.14 per $100 of payroll
Missouri has the highest roofing comp rate in its region; every neighboring state charges less 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.