Roofing - All Kinds & Drivers
Texas Workers' Compensation Class Code 5551 • TDI / NCCI • Effective 2025-07-01
Current Rate
$5.50
per $100 of payroll
TDI / NCCI 2025-07-01
What is Class Code 5551?
Class code 5551 covers roofing contractors and their employees who install, repair, or replace roofs of all types including shingles, tile, metal, flat roofing, and modified bitumen. This is one of the highest-rated class codes due to the elevated fall risk associated with roofing work.
Who is Covered Under This Code?
Roofing contractors, roofers, roofing laborers, roofing supervisors, and anyone who physically works on roofs. Drivers who transport materials are also included.
Tips to Reduce Your Premium
- Maintain a strong safety program to reduce your experience modification factor (EMR)
- Separate clerical employees under code 8810 to reduce overall premium
- Ensure all subcontractors carry their own workers comp to avoid additional premium
- Consider a pay-as-you-go policy to improve cash flow
Rate Comparison by State
Frequently Asked Questions
What is workers comp class code 5551?
Class code 5551 covers roofing contractors and their employees who install, repair, or replace roofs of all types including shingles, tile, metal, flat roofing, and modified bitumen. This is one of the highest-rated class codes due to the elevated fall risk associated with roofing work.
What is the workers comp rate for class code 5551 in Texas?
The current workers' compensation rate for class code 5551 in Texas is $5.50 per $100 of payroll, as set by TDI / NCCI effective 2025-07-01. Your actual premium will also depend on your experience modification factor (EMR) and the carrier you choose.
Who is covered under class code 5551?
Roofing contractors, roofers, roofing laborers, roofing supervisors, and anyone who physically works on roofs. Drivers who transport materials are also included.
How can I reduce my workers comp premium for class code 5551 in Texas?
Maintain a strong safety program to reduce your experience modification factor (EMR) Separate clerical employees under code 8810 to reduce overall premium Ensure all subcontractors carry their own workers comp to avoid additional premium Consider a pay-as-you-go policy to improve cash flow
Do I need workers comp insurance for employees classified under code 5551 in Texas?
Yes. Texas requires most employers to carry workers' compensation insurance for their employees. Class code 5551 employees must be covered. Penalties for non-compliance in Texas can be severe, including stop-work orders and fines. Contact Bright Coast Insurance at (239) 228-8029 for a fast, competitive quote.
Rates shown are advisory loss costs or assigned risk rates as of the effective date listed. Your actual workers' compensation premium will depend on your specific payroll, experience modification factor (EMR), carrier selection, and other underwriting factors. Contact Bright Coast Insurance for an accurate quote tailored to your business.
Premium Estimator
Enter your annual payroll to estimate your base premium for code 5551 in TX.
Quick Facts
- Class Code
- 5551
- State
- Texas
- Rate per $100
- $5.50
- Rating Org
- TDI / NCCI
- Effective
- 2025-07-01
Related Class Codes
Need a Quote for Code 5551?
We specialize in workers' comp for TX businesses. Get a competitive quote today.
Get a Free Quote(239) 228-8029