Understanding the Workers Compensation Class Code for Roofing

What is the workers compensation class code for roofing?

Roofing contractors and employees are generally classified under the NAICS-based workers compensation class code 5732 – Roofing Contractors. This code covers installation, repair, and maintenance of roofing systems on residential and commercial structures, including related tasks such as shingle removal, waterproofing, and roof deck work.

Why correct classification matters

Insurance carriers use the class code to calculate premiums based on the estimated risk of injury. Roofing is a high‑hazard trade; an inaccurate code can lead to under‑priced policies that may be voided after a claim, or over‑priced policies that waste budget.

Factors influencing the specific code

While 5732 is the standard code, variations exist depending on the scope of work:

• Installation of metal or specialty roofing may be listed under a sub‑code such as 5732‑001.
• Roofing work performed by a general contractor on a construction site may fall under a broader construction code like 5400‑001.
• Employees who only perform ancillary tasks (e.g., office support) are classified under a low‑risk code such as 8810.

How to verify and update your code

Employers should review their policy documents, consult the state workers compensation board, or contact their insurance carrier to confirm the correct classification. If the business expands to include other trades, request a code review to avoid gaps in coverage.

Impact on premiums and safety programs

Higher‑risk codes like 5732 typically carry higher rates, prompting insurers to encourage safety initiatives. Implementing fall protection, proper training, and equipment inspections can qualify for premium discounts, often reflected as a reduced experience modification factor (EMR).

Table: Common roofing‑related class codes and typical premium multipliers