Roofing workers' comp advisory loss costs vary ~3.5× across states

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.

Rates are advisory workers'-comp loss costs for NCCI class 5551 (Roofing) from 2026 state filings — ICRB (IN), Colorado DOI, SAIF (OR), NCRB (NC), and Missouri DCI. An advisory loss cost is the pre-multiplier rate per $100 of payroll; carriers apply their own loss-cost multiplier (typically 1.20–1.50) on top. Administered-rate states are excluded because their manual rates use a different basis.

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