NCCI Class Code 5551 — Workers' Comp Filed Rates by State
Roofing — Workers' Comp filed loss costs
What state regulators have approved for class 5551, captured from public state-DOI rate filings across 7 state(s).
Workers' Comp premium for NCCI class code 5551 (Roofing) is priced per $100 of payroll. The chart and table below show the filed loss costs state regulators have approved — the baseline before each carrier's loss-cost multiplier and your experience modifier. These 7 filings span 7 state(s).
| State | Carrier / bureau | Filed loss cost | Effective | Filing ref |
|---|---|---|---|---|
| CO | National Council on Compensation Insurance (NCCI) | $5.40 per $100 payroll (advisory loss cost; carriers apply their own LCM) | 1/2026 | NCCI-134620513-CO-5551 |
| IN | Indiana Compensation Rating Bureau (ICRB) | $2.91 per $100 payroll (advisory loss cost) | 1/2025 | IN-ICRB-2025-01-5551 |
| MO | National Council on Compensation Insurance (NCCI) — MO filing | $10.14 per $100 payroll (advisory loss cost) | 1/2026 | NCCI-134646477-MO-5551 |
| NC | North Carolina Rate Bureau (NCRB) | $6.84 per $100 payroll (advisory loss cost) | 4/2026 | NCRB-NC-2026-04-5551 |
| NJ | New Jersey Compensation Rating & Inspection Bureau (NJCRIB) | $25.33 per $100 payroll (NJ administered manual rate) | 1/2026 | NJ-NJCRIB-2026-5551 |
| OR | National Council on Compensation Insurance (NCCI) — Oregon advisory pure premium (DCBS-approved) | $5.75 per $100 payroll (advisory pure premium) | 1/2026 | OR-NCCI-2026-01-5551 |
| WI | Wisconsin Compensation Rating Bureau (WCRB) | $13.18 per $100 payroll (WI administered manual rate) | 10/2025 | WI-WCRB-2025-10-5551 |
Filed rates by state, explained
In Colorado, National Council on Compensation Insurance (NCCI) filed a loss cost of $5.40 per $100 of payroll effective January 2026, on record as NCCI-134620513-CO-5551. Colorado has a competitive private market alongside a quasi-public state fund. In Indiana, Indiana Compensation Rating Bureau (ICRB) filed a loss cost of $2.91 per $100 of payroll effective January 2025, on record as IN-ICRB-2025-01-5551. Indiana has a competitive private Workers' Comp market. In Missouri, National Council on Compensation Insurance (NCCI) — MO filing filed a loss cost of $10.14 per $100 of payroll effective January 2026, on record as NCCI-134646477-MO-5551. Missouri has a competitive private market alongside a quasi-public state fund. In New Jersey, New Jersey Compensation Rating & Inspection Bureau (NJCRIB) filed a loss cost of $25.33 per $100 of payroll effective January 2026, on record as NJ-NJCRIB-2026-5551. New Jersey has a competitive private Workers' Comp market. In North Carolina, North Carolina Rate Bureau (NCRB) filed a loss cost of $6.84 per $100 of payroll effective April 2026, on record as NCRB-NC-2026-04-5551. North Carolina has a competitive private Workers' Comp market. In Oregon, National Council on Compensation Insurance (NCCI) — Oregon advisory pure premium (DCBS-approved) filed a loss cost of $5.75 per $100 of payroll effective January 2026, on record as OR-NCCI-2026-01-5551. Oregon has a competitive private market alongside a quasi-public state fund. In Wisconsin, Wisconsin Compensation Rating Bureau (WCRB) filed a loss cost of $13.18 per $100 of payroll effective October 2025, on record as WI-WCRB-2025-10-5551. Wisconsin has a competitive private Workers' Comp market.
Across the 7 states we track, filed loss costs for class 5551 range from $2.91 in Indiana to $25.33 in New Jersey — about a 8.7× difference. That spread reflects each state's own injury experience and whether it adopts NCCI advisory loss costs or files through an independent rating bureau such as California's WCIRB, New York's NYCIRB, or Pennsylvania's PCRB.
Nationally, Workers' Compensation carriers ran a 45.1% loss ratio, a 12% underwriting profit, and a 13% return on net worth (NAIC 2023) — the line-level economics behind the filed loss costs above. A class's filed loss cost is the regulator-approved starting point; how profitable it is for carriers to write shapes the loss-cost multipliers you actually pay. These figures come from the NAIC Report on Profitability by Line by State.
How your Workers' Comp rate is set
Your NCCI class code classifies the work your employees do by injury risk — it's the single biggest driver of your Workers' Comp base rate. The filed loss cost above is the only public, regulator-approved piece; your actual premium is:
Filed loss cost × carrier LCM × experience modifier × (payroll ÷ $100)
Most states use NCCI's loss-cost guidance; independent-bureau states (e.g., California/WCIRB, New York/NYCIRB, Pennsylvania/PCRB) and monopolistic state funds (e.g., Ohio BWC) file their own — which is why the same class code carries different filed rates by state above.
Methodology
Each loss cost is drawn from a public state-DOI rate filing (via the state's SERFF portal) or a public NCCI State Advisory Forum summary, traceable by its filing reference. Loss costs are per $100 of payroll before the carrier's loss-cost multiplier; your actual rate depends on your carrier's LCM, experience modifier, and state. No proprietary NCCI manual data is reproduced — only figures states have published in public regulatory filings. See our full sourcing policy.
Related
- Workers' Comp insurance cost — median rates, distribution, and a calculator
- NCCI class-code lookup — search every code we track
- Rate-change tracker — recent filed changes by state
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