Roofing workers' comp advisory loss costs vary ~3.5× across states
Roofing's advisory workers'-comp loss cost (NCCI 5551) runs from $2.91 per $100 of payroll in Indiana to $10.14 in Missouri — a ~3.5× spread across advisory-rate states, before any carrier applies its own multiplier.
Where a roofing crew operates changes its workers'-comp cost dramatically. Across the states that publish an advisory loss cost for roofing (NCCI class 5551, same rate basis), it runs from $2.91/$100 of payroll in Indiana to $5.40 in Colorado, $5.75 in Oregon, $6.84 in North Carolina, and $10.14 in Missouri — a ~3.5× spread, all before a carrier applies its own loss-cost multiplier (typically 1.20–1.50).
Two administered-rate states run higher still — Wisconsin $13.18 and New Jersey $25.33 — but those are already-final manual rates (expense and profit included, no carrier multiplier), a different basis that isn't directly comparable to advisory loss costs. The takeaway: the same roofing payroll can cost several times more in comp depending purely on which state's rating system sets the rate.
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