How North Carolina Roofing Companies Can Cut Workers’ Comp Costs with a PEO
Learn how roofing contractors in NC can reduce workers’ comp premiums, improve safety, and stay compliant by partnering with a PEO.
Roofing Companies in North Carolina Face High Workers’ Comp Costs
If you run a roofing business in North Carolina, you already know: workers’ compensation premiums are sky-high. Roofing is one of the most dangerous industries, and insurance carriers pass that risk directly onto you in the form of inflated premiums.
For many small and mid-sized roofing contractors, these costs eat into profits and limit growth.
Why Are Workers’ Comp Premiums So High in Roofing?
Roofing has one of the highest accident rates in construction.
Small businesses don’t have the same buying power as large contractors.
One claim can cause your experience mod rating to skyrocket, driving premiums even higher.
This puts small roofing companies at a major disadvantage compared to larger competitors.
Workers’ Comp Costs in North Carolina Roofing
According to the National Council on Compensation Insurance (NCCI), roofing is consistently one of the highest-risk job classifications nationwide, with average premium rates several times higher than general construction.
For example, in North Carolina, roofing classifications can carry some of the highest manual rates per $100 of payroll, often 5–10x higher than lower-risk industries.
That means even a small roofing crew can face tens of thousands of dollars per year in premiums, regardless of claims history.
How a PEO Helps Roofing Contractors Save Money
A Professional Employer Organization (PEO) changes the game.
Pooled Risk = Lower Premiums: A PEO combines your employees with thousands of others, spreading the risk across industries and lowering overall premiums.
Compliance Support: PEOs provide OSHA safety training, HR compliance, and risk management to prevent costly claims.
Cash Flow Stability: Instead of big upfront premiums, PEOs often bill workers’ comp per payroll, smoothing out your cash flow.
The Bigger Picture: Beyond Workers’ Comp
Partnering with a PEO isn’t just about saving money on workers’ comp. Roofing companies also gain access to:
Affordable employee benefits (health, dental, vision).
Payroll automation with tax compliance.
HR expertise for hiring and onboarding.
Final Thoughts
If you’re a roofing contractor in North Carolina, you don’t have to accept sky-high workers’ comp costs as the “cost of doing business.” A PEO gives you enterprise-level resources at a fraction of the price — while protecting your business, your employees, and your bottom line.
Ready to cut costs and protect your roofing business? Contact us TODAY for a free PEO consultation. 👇
