roofers coverage calculator
Your pay, your loans, your work plan. See the gap in 30 seconds.
OpenIf you die on the job
What workers comp, work plans and Social Security pay, and what they don't.
OpenWhy it matters
In 2023, roofers had a fatal injury rate of 51.8 per 100,000 full time workers. The rate for all workers was 3.5. That is one of the highest rates of any job BLS tracks.
About 1 in 5 roofers is self employed. If that is you, there is no work plan. Life insurance you own can protect the people who count on you.
- About 20 percent of roofers are self employed, so many have no life insurance through an employer.
- OSHA says falls are among the most common causes of serious work injuries and deaths.
What an insurer may ask you
Have these ready. Being honest up front gets you a real price and avoids problems at claim time.
- How high you work and how steep the roofs are
- Residential or commercial work
- Do you own the business?
- Safety training
- Health, age, and tobacco use
Common questions
Can roofers get life insurance?
Yes. Your job may change your price, since insurers look at your job.
I run my own crew. Am I covered?
Only if you bought a policy. Self employed workers do not get a work plan.
Why does my job matter to an insurer?
Roofing has a high fatal injury rate. Insurers use your job, age, and health to set a price.
