Roofing workers' comp costs ~108× a desk job — Colorado's 2026 filing

The single biggest driver of a workers'-comp premium is the NCCI class code, and the spread is enormous. In Colorado's 2026 NCCI advisory-loss-cost filing, roofing (class 5551) is $5.40 per $100 of payroll while clerical office work (class 8810) is $0.05 — about a 108× difference for the same coverage. Carriers then apply their own loss-cost multiplier, and administered states run higher (New Jersey's 2026 roofing rate reaches $25.33/$100). The takeaway: your class code, not your carrier, is the first thing that sets your WC cost.

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