NCCI Code 5551 — Roofing
5551
NCCI Code
$18.85
Per $100 Payroll
What Code 5551 Covers
Code 5551 is one of the most expensive workers comp classifications at $18.85 per $100 of payroll. Roofing is inherently dangerous — falls are the #1 cause of construction fatalities. Any employee who sets foot on a roof typically gets coded here. The high rate makes it critical to ensure non-roofing employees (sales, office, warehouse) are properly split out.
Common Misclassification Issues
Sales staff, estimators, and office managers coded under 5551. A single office employee miscoded under roofing can cost $5,000+ per year in unnecessary premium.
How This Affects Your Premium
At $18.85 per $100 of payroll, an employee earning $50,000/year classified under code 5551 adds approximately $9,425 to your annual premium. If that employee should actually be in a lower-rate code like 8810 (clerical at $0.16/$100), you'd save approximately $9,345 per employee per year.
Multiply that by every misclassified employee, and the overpayment adds up fast.
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Check My Premium \u2192Rates shown are approximate national averages. Actual rates vary by state, insurer, and experience modifier.