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Pay and coverage

Class codes

What workers' comp costs a year, by class code and by policy. Open a code to change its rate.

What workers' comp costs

5 codes

$94,613a year

$7,884 a month

25 people
Liberty Mutual 0.83
Pinnacol Assurance 1.00

The year fromOct. 19, 2026

Policy yearApr 1, 2026 – Mar 31, 2027

Policy year2026

$94,613a year$7,884 a month

5551 Roofing, all kinds, and drivers15 people · $15.626 per $100 · Liberty Mutual 95% $90,100
5606 Project managers and construction executives3 people · $1.24 per $100 · Liberty Mutual 2% $1,688
8227 Permanent yard1 person · $3.835 per $100 · Liberty Mutual 2% $1,490
8742 Outside salespeople4 people · $0.683 per $100 · Liberty Mutual 1% $1,224
8810 Clerical office employees2 people · $0.268 per $100 · Liberty Mutual <1% $111

Each person's wages per $100, times their code's rate on each day, times the mod. A subcontractor on their own coverage adds nothing.

Policies

Liberty Mutual Primary policy
Open

Renews
Apr 1, 2027

Mod
0.83

A year
$94,613
- 5551 Roofing, all kinds, and drivers $15.626 per $100 · 15 people
- 5606 Project managers and construction executives $1.24 per $100 · 3 people
- 8742 Outside salespeople $0.683 per $100 · 4 people
- 8810 Clerical office employees $0.268 per $100 · 2 people
- 7380 Drivers and helpers $5.413 per $100 · 0 people
- 8227 Permanent yard $3.835 per $100 · 1 person
Pinnacol Assurance Policy
Open

Renews
Jan 1, 2027

Mod
No mod

A year
—

Add another policy For a state the main policy does not reach, with its own renewal and mod.

Add Add a code Pick one a roofing policy carries, or type any code from your declarations page.

Which policy is it on?

Liberty Mutual Primary policy Renews Apr 1, 2027 6 codes Pinnacol Assurance Renews Jan 1, 2027 0 codes

Which code?

Pick the policy first.

Most roofing policies carry

Less common

Not on the list? Type any code from your declarations page.

Type the code and its description from your declarations page. The rate and the state can wait.

Class code

Who it covers

Rate per $100 of payroll

State

These are NCCI codes, which most states use. California, Delaware, Pennsylvania keep class systems of their own: there, use the numbers on your declarations page, with the state chosen.

A year of people so far

$1,960,096a year

W-2 wages: $1,355,167
Employer taxes: $121,480
Workers' comp: $94,613
Benefits, company share: $104,716
Burden on wages: 23.7%
Paid time off and breaks, inside wages: +15.4% on each worked hour: $180,861
Office and management, carried in overhead: $676,624
Commissions, added on each bid: $119,507

One gap in the math

Ethan Morales: actual monthly employer benefit cost (enter 0 if none)

Why we ask

Where the rate comes fromThe declarations page of your policy lists each class code with its rate per $100 of payroll. Your experience mod sits under the codes, beside the renewal date, and is applied on top.
5551 is the big oneRoofing carries one of the highest rates in construction. Every person on a roof belongs here; every person who does not should be classed elsewhere, or you overpay.
8810 and 8742Clerical staff and outside salespeople carry a fraction of the roofing rate. Classing them correctly is the fastest premium saving there is.
By stateLeave the state blank when one rate applies everywhere. If another state has its own policy, add its codes with that state chosen.
The renewal dateRates change at renewal. Put the date in and whoever keeps the books is reminded a month ahead to get the quote, again a week and three days ahead, and on the day to enter the new rates here.
A second policyA state the main policy does not reach gets a policy of its own, with its own carrier, renewal date and mod; its codes sit under it and are priced by it.

No Connection

Front Range Roofing Co.

Class codes

What workers' comp costs

Policies

Liberty Mutual Primary policy

Pinnacol Assurance Policy

Most roofing policies carry

Less common

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