Spreadsheet template
Roofing Workers Comp Quote Prep
Fill out payroll, work type, safety, loss, and subcontractor details before requesting workers comp quotes.
How to use this tool
This roofing workers compensation quote prep spreadsheet helps you organize payroll, class code, safety, loss, subcontractor, and contract details before you request coverage.
Who this is for
Roofing contractors preparing to request workers compensation quotes, renew a policy, or answer follow-up questions from an insurance company.
When to use it
Use it before sending payroll estimates, loss runs, subcontractor certificates, or contract insurance wording for a roofing workers compensation quote.
How to use it
Fill in the rows with your estimated annual payroll, employee roles, roofing work mix, height exposure, safety controls, prior losses, and contract requirements.
What you get
You get an XLSX or CSV worksheet with starter rows for payroll, owner status, roofing operations, fall protection, loss history, subcontractors, and certificate requirements.
Roofing Workers Comp Quote Prep
Fill out payroll, work type, safety, loss, and subcontractor details before requesting workers comp quotes.
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Spreadsheet template
Download quote prep spreadsheet
You get an XLSX or CSV worksheet with starter rows for payroll, owner status, roofing operations, fall protection, loss history, subcontractors, and certificate requirements.
Available as XLSX, CSV. The file uses the current field values.
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Spreadsheet preview
Updates as you type before download.
Spreadsheet preview
Updates as you type before download.
Review area
Business and state
Roofing detail to collect
Business: ________________; contact: ________________; primary state: ________________; policy start: ________________
Your entry
Enter legal name, contact, state, and target start date
Why it matters for workers comp
Workers comp requirements and purchase options vary by state, and insurers use state details when reviewing a roofing account.
Review area
Payroll by role
Roofing detail to collect
Separate annual payroll for roofers, supervisors, sales staff, clerical staff, yard employees, and drivers
Your entry
Enter payroll by role and state
Why it matters for workers comp
Workers comp premium is based on payroll assigned to classifications, and roofing class codes can differ by state.
Review area
Employee count
Roofing detail to collect
Number of full-time, part-time, seasonal, and temporary employees
Your entry
Enter counts by group
Why it matters for workers comp
State coverage rules often depend on employment status, and insurers review how many workers are exposed to roofing hazards.
Review area
Owner or officer status
Roofing detail to collect
Owner status selected: ________________
Your entry
Confirm inclusion or exclusion rules with your state and insurer
Why it matters for workers comp
Owner and officer inclusion rules vary, and some roofing contractors may still need coverage or proof even when owner-only.
Review area
Roofing work mix
Roofing detail to collect
Residential, commercial, repair, new construction, tear-off, flat roof, pitched roof, built-up roofing, hot tar, or torch-applied work
Your entry
Enter percentages or notes
Why it matters for workers comp
Insurers ask about the type of roofing work because fall exposure, materials, and hot work affect underwriting review.
Review area
Maximum height
Roofing detail to collect
Highest roof height expected during the policy term
Your entry
Enter stories or feet
Why it matters for workers comp
Roof height and ladder, scaffold, lift, and edge exposure are important roofing safety details.
Review area
Fall protection
Roofing detail to collect
Written fall-protection program, training records, personal fall arrest systems, guardrails, warning lines, ladders, scaffolds, lifts, and OSHA citation history
Your entry
List documents available
Why it matters for workers comp
Fall protection is a central roofing safety topic, and insurers may ask for safety controls and training records.
Review area
Prior losses
Roofing detail to collect
Workers compensation loss runs for the prior policy years and experience modification worksheet if available
Your entry
List years requested and documents received
Why it matters for workers comp
Prior claim history can affect experience rating and underwriter review for an established roofing contractor.
Review area
Current policy and audit
Roofing detail to collect
Current declarations, payroll audit, class codes used, and any audit dispute notes
Your entry
Enter document status
Why it matters for workers comp
Prior policy and audit documents help compare class codes, payroll estimates, and renewal assumptions.
Review area
Subcontractor spend
Roofing detail to collect
Estimated subcontractor cost by job type, plus workers compensation and general liability certificates from each subcontractor
Your entry
Enter spend and certificate status
Why it matters for workers comp
Insurers or state funds may ask for subcontractor certificates during audit, and uninsured subcontractors can create audit and contract issues.
Review area
Contract requirements
Roofing detail to collect
Certificate request details and exact contract insurance wording
Your entry
Paste the exact insurance wording from the contract
Why it matters for workers comp
Contracts may ask for workers compensation, employers liability limits, or waiver of subrogation wording.
Review area
Quote questions
Roofing detail to collect
Questions for the insurance company about class codes, owner treatment, waiver availability, payroll basis, loss runs, audit process, and certificate wording
Your entry
Enter open questions
Why it matters for workers comp
Clear questions help you compare workers compensation quote terms without assuming every insurer handles roofing the same way.
| Review area | Roofing detail to collect | Your entry | Why it matters for workers comp |
|---|---|---|---|
| Business and state | Business: ________________; contact: ________________; primary state: ________________; policy start: ________________ | Enter legal name, contact, state, and target start date | Workers comp requirements and purchase options vary by state, and insurers use state details when reviewing a roofing account. |
| Payroll by role | Separate annual payroll for roofers, supervisors, sales staff, clerical staff, yard employees, and drivers | Enter payroll by role and state | Workers comp premium is based on payroll assigned to classifications, and roofing class codes can differ by state. |
| Employee count | Number of full-time, part-time, seasonal, and temporary employees | Enter counts by group | State coverage rules often depend on employment status, and insurers review how many workers are exposed to roofing hazards. |
| Owner or officer status | Owner status selected: ________________ | Confirm inclusion or exclusion rules with your state and insurer | Owner and officer inclusion rules vary, and some roofing contractors may still need coverage or proof even when owner-only. |
| Roofing work mix | Residential, commercial, repair, new construction, tear-off, flat roof, pitched roof, built-up roofing, hot tar, or torch-applied work | Enter percentages or notes | Insurers ask about the type of roofing work because fall exposure, materials, and hot work affect underwriting review. |
| Maximum height | Highest roof height expected during the policy term | Enter stories or feet | Roof height and ladder, scaffold, lift, and edge exposure are important roofing safety details. |
| Fall protection | Written fall-protection program, training records, personal fall arrest systems, guardrails, warning lines, ladders, scaffolds, lifts, and OSHA citation history | List documents available | Fall protection is a central roofing safety topic, and insurers may ask for safety controls and training records. |
| Prior losses | Workers compensation loss runs for the prior policy years and experience modification worksheet if available | List years requested and documents received | Prior claim history can affect experience rating and underwriter review for an established roofing contractor. |
| Current policy and audit | Current declarations, payroll audit, class codes used, and any audit dispute notes | Enter document status | Prior policy and audit documents help compare class codes, payroll estimates, and renewal assumptions. |
| Subcontractor spend | Estimated subcontractor cost by job type, plus workers compensation and general liability certificates from each subcontractor | Enter spend and certificate status | Insurers or state funds may ask for subcontractor certificates during audit, and uninsured subcontractors can create audit and contract issues. |
| Contract requirements | Certificate request details and exact contract insurance wording | Paste the exact insurance wording from the contract | Contracts may ask for workers compensation, employers liability limits, or waiver of subrogation wording. |
| Quote questions | Questions for the insurance company about class codes, owner treatment, waiver availability, payroll basis, loss runs, audit process, and certificate wording | Enter open questions | Clear questions help you compare workers compensation quote terms without assuming every insurer handles roofing the same way. |
Preview of downloaded spreadsheet template
Updates as you type before download.
Preview of downloaded spreadsheet template
Updates as you type before download.
Next steps
- Gather payroll estimates by role and state before requesting workers compensation quotes.
- Ask for loss runs and an experience modification worksheet if your business has prior coverage.
- Collect subcontractor certificates before work starts and store them with the job file.
- Send contract insurance wording for review before promising waiver of subrogation or employers liability limits.
What this includes
Download formats
XLSX, CSV
Fields
Business name, Contact name, Primary state, Policy start date, Owner status, Certificate needed, Contract wording
Spreadsheet columns
Review area, Roofing detail to collect, Your entry, Why it matters for workers comp
Document sections
How to use this worksheet
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Reviewed byHuy Huynh, technology lead at TradesCoverage and licensed insurance brokerNPN 22071436Last reviewed May 2026
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