---
title: Life Insurance for Roofers | Coverfolk
url: https://coverfolk.com/jobs/roofers
updated: 2026-10-08
---

# Life insurance for roofers

Roofers work on steep slopes, high up, in heat and cold. They lift bundles of shingles that can weigh 60 pounds or more.

[Find my coverage gap](/jobs/roofers/calculator)

Updated October 8, 20264 sources[Fact checked](/editorial-standards)

**166,900**About 166,900 roofer jobs (2025)[Source: BLS OOH: Roofers](https://www.bls.gov/ooh/construction-and-extraction/roofers.htm)

**51.8**fatal injuries per 100,000 workers in 2023, vs 3.5 for all jobs[Source: BLS CFOI: Civilian occupations with high fatal work injury rates, 2023](https://www.bls.gov/charts/census-of-fatal-occupational-injuries/civilian-occupations-with-high-fatal-work-injury-rates.htm)

**14.8x**the average risk at work, based on the BLS rates

[### roofers coverage calculator

Your pay, your loans, your work plan. See the gap in 30 seconds.

Open](/jobs/roofers/calculator) [### If you die on the job

What workers comp, work plans and Social Security pay, and what they don't.

Open](/jobs/roofers/on-the-job-death)

## Why 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.

## Coverage people in this job pick

[**Term life: The most coverage for the least money, for 10 to 30 years.**](/coverage/term-life)[**Mortgage protection: Life insurance sized to your home loan, so the house stays paid.**](/coverage/mortgage-protection)[**Final expense: Small whole life plans that pay for a funeral and last bills.**](/coverage/final-expense)[**Does my job change what I pay for life insurance?**](/answers/does-my-job-affect-life-insurance)[**Is the life insurance from my job enough?**](/answers/work-life-insurance-enough)[**How much life insurance do I need?**](/answers/how-much-life-insurance-do-i-need)

## Sources

1. [BLS OOH: Roofers](https://www.bls.gov/ooh/construction-and-extraction/roofers.htm)
2. [BLS CFOI: Civilian occupations with high fatal work injury rates, 2023](https://www.bls.gov/charts/census-of-fatal-occupational-injuries/civilian-occupations-with-high-fatal-work-injury-rates.htm)
3. [OSHA: Fall Protection](https://www.osha.gov/fall-protection)
4. [Texas Department of Insurance: Do you need life insurance?](https://www.tdi.texas.gov/tips/life-insurance.html)

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