Workers' Comp Insurance for Roofing Businesses in North Dakota
Roofing (NCCI class code 5551) is one of the highest-risk class codes in the entire system, with rates often $20-$45 per $100 of payroll. Falls and burns drive frequency and severity. Many carriers won't write roofers at all, which means your placement options are limited and rates are high — but a strong safety program and clean experience mod can dramatically lower your premium in North Dakota. The North Dakota workers' compensation market is governed by WSI (state fund) — a monopolistic state fund (no private market), and the average rate statewide is approximately $0.78 per $100 of payroll.
North Dakota requirements for roofing businesses
When required: All employers must obtain coverage from Workforce Safety & Insurance (WSI) — the state monopolistic fund.
Sole proprietors: Sole proprietors are exempt unless they elect.
Owner / officer exclusion: Officers and LLC members may be excluded.
⚠️ North Dakota is a monopolistic state
All North Dakota workers' comp coverage must be purchased through the state fund (WSI (state fund)). Private workers' comp insurance is not available in North Dakota, but we can help with employer's liability ("stop-gap") coverage that complements the state fund.
Roofing class codes used in North Dakota
Why roofing workers' comp is tricky in North Dakota
Most standard carriers decline roofing accounts entirely. Of those that will write it, many require minimum payroll thresholds, OSHA-compliant fall protection programs, and detailed loss runs. We work with specialty markets that actively want roofing accounts and can usually beat any quote you've received.
Tips for North Dakota roofing contractors
- ✓ Document your fall protection program — written policy, training records, harnesses inspected
- ✓ Limit residential vs commercial roofing exposure carefully — different codes apply
- ✓ Run a pay-as-you-go program to align premium with actual seasonal payroll
- ✓ Pre-qualify subs to avoid being responsible for their unsafe practices
- ✓ Request schedule credits for safety programs, drug testing, and clean loss runs
Get a North Dakota roofing workers' comp quote in 60 seconds
We're licensed in North Dakota and work with carriers that actively want roofing contractors accounts. Quote takes one minute.
Get My Quote →Roofing workers' comp in other states
Rates and requirements for roofing contractors vary widely by state. Compare North Dakota to other major markets:
Other industries in North Dakota
North Dakota workers' comp rates and requirements for other common industries:
More North Dakota workers' comp resources
- → North Dakota workers' comp overview — full state requirements, exemptions, average rates
- → Roofing workers' comp (all states) — industry deep-dive
- → Cost calculator — estimate annual premium by class code
- → EMR calculator — experience modification rating
- → COI generator — same-day certificate of insurance
- → Workers' comp audit disputes — recover overpaid premium
- → 1099 vs. employee classification — avoid back-premium penalties