How to Make Your Roofing Insurance More Affordable

How to Make Your Roofing Insurance More Affordable

by Marie King

How to make roofing insurance more affordable

Affordable Roofing Insurance

A big piece of your roofing insurance consists of workers’ compensation coverage. What drives the cost of that part of your roofing insurance is the number of injuries your roofers tally up over a period of time. Those statistics are calculated into a complex national average called Experience Modification Rate (EMR). Like a credit rating, EMR drives the cost of your workers’ compensation upping the price of your roofing insurance.

What is an EMR

The EMR is a mathematical standard used by roofing insurance companies to determine risk based on current claims and injuries and future projections.These calculations are utilized to decide the premiums on roofing insurance in workers’ compensation claims.

The actual figure is 1.0, and it is devised by the National Council of Compensation Insurance (NCCI). NCCI compares companies within the same industry for worker risks, injuries, losses, payroll and a collection of other factors.Through these complex calculations, NCCI comes up with a number for each company based on an average of 1.0. Companies with 1.0 or lower have good ratings while businesses above 1.0 are rated less well. The ones above 1.0 pay higher premiums on their roofing insurance through workers’ compensation claims.

Affordable Premiums

You want to have affordable roofing insurance premiums. Getting the 1.0 or below rating needed to get this desirable roofing insurance premium isn’t easy, but it’s doable. It’s speaks to reducing the injuries of your roofers and thereby lowering the claims against your roofing insurance.

How do You Lower Your EMR?

You lower your EMR with the help of a health and safety plan (HASP). A HASP contains procedures, policies and training for both supervisors and workers on ways to avoid injuries and unsafe conditions. HASP also trains workers on safety procedures and proper methods to carry out tasks. Most Hasp’s include a number of components. Here are some of them.


  • Should participate in a comprehensive OSHA-approved training program.
  • Should do a pre-installation site inspection to identify equipment and material needs and safety concerns.
  • A safety coordinator should be appointed to make sure daily safety requirements are being met.
  • Safety coordinators should order additional equipment and add procedures to heighten worker and site safety.


  • Train your workers in OSHA safety regulations.
  • Train roofers in proper use of fall protection and personal protective equipment.
  • Train personnel in how to install materials correctly and utilize equipment safely.
  • Walk the site with workers and point out any potential hazards or safety risks.
  • Employ a buddy system, so each worker is looking out for another.
  • Instruct workers on manual lifting procedures and ladder and hoist safety.
  • Have the safety coordinator give training at the jobsite weekly on safety issues.


Have general operating policies and procedures and make sure your employees know what they are.

  • Have drug and alcohol policies and procedures.
  • Have a hazard communication policy.
  • Have disciplinary measures for safety violations.
  • Have first-aid procedures in place.
  • Have reporting procedures for accidents, incidents or near misses available.

Lowering your EMR can make your roofing insurance more affordable, specifically the premiums on your workers compensation. Put a health and security plan (HASP) in place as soon as you can, so you will be able to enjoy the savings on your more affordable roofing insurance.