Falls are the story of roofing insurance — the leading cause of death in construction, the driver of roofing’s brutal workers comp rates, and the single factor underwriters weigh most when they price your account. Which means fall protection isn’t just compliance and conscience. It’s the most direct lever you have on what insurance costs your company.
Three ways. Your experience mod: fewer and smaller claims directly cut the multiplier applied to your comp premium, and on roofing payroll every point is real dollars. Your marketability: underwriters quote documented programs and decline shoeboxes — a real safety program is often the difference between three competing quotes and one take-it-or-leave-it. And dividends and credits: several comp markets return premium to safe accounts. The harness pays for itself even before it catches anyone.
If your program is thin, don’t wait for renewal to fix it. Free resources exist — OSHA consultation programs, carrier loss control services that come with your policy — and a documented program started this fall is a negotiating asset by spring. I’ve watched safety programs change quotes by five figures. The fall you prevent changes more than that.
Questions about your coverage? I’ve spent more than 46 years helping Kansas City area businesses and families get insurance right. As an independent agent with access to over 50 markets, I work for you — not an insurance company. Call or text Jay Stoetzer at 816-384-7738, or email jay@insure247.com for a no-pressure review.