Independent coverage built for the highest-risk trade in construction. Compare 50+ carriers for accident, disability, and health plans designed around real days on a real roof.
Roofers face risk profiles that no off-the-shelf agent quote ever accounts for. These are the figures we use to build the right stack of coverage for you.
Pick your situation. We'll show you the products that actually pay when a roofer needs them — and skip the ones that look good on a brochure but pay slowly on a real fall claim.
Subsidy-eligible plans based on your Schedule C net income. Most self-employed roofers qualify for substantial cost reductions.
Cash benefit paid directly to you for falls, fractures, lacerations, ER visits — starts within 24 hours.
Replaces 60–70% of income when an on- or off-the-job injury keeps you off the roof.
Falls are not the only thing the data flags. Here are the three occupational risks we weigh when we build a roofer's coverage stack — and what the right policy looks like for each.
Roofers face the highest fall fatality rate of any construction trade. Workers' comp covers job-site falls, but only partially — and not at all for off-the-job falls. The right stack: a strong accident policy plus disability replacement.
Heat stroke ER visits spike between June and September, and roofer melanoma rates run roughly 1.5× the national average. Health plans with reasonable urgent care copays plus annual dermatology screenings change the math entirely.
Hot tar, asphalt fumes, isocyanate-based adhesives, and asbestos in older tear-offs all carry lung risk. Plans with strong respiratory specialist networks and prescription benefits matter more for roofers than for the average client.
We've built coverage for crews of one and crews of fifty. Here's how we think about your situation.
One truck, mostly residential work, no W-2 employees. You need affordable subsidized health coverage plus accident protection that pays cash when you can't climb. ACA marketplace plans plus standalone accident is almost always the right stack.
Three to ten employees, mixing residential and small commercial. You're at the point where group health makes more sense than reimbursing individual plans — and your crew is asking about benefits. We compare SHOP, level-funded, and direct-carrier options.
Eleven or more employees, commercial-heavy. Your benefits are a recruiting tool now. You need carrier networks crews actually use, real respiratory and ortho coverage, and a plan that doesn't burn your margin in renewal season.
Most roofers we work with are quoted, walked through options, and enrolled in under a week. Some are protected on tomorrow's job.
Three minutes. Crew size, what trades you do, where you operate. No SSN, no medical underwriting.
Your advisor compares 50+ carriers and assembles options: health, accident, disability, dental, vision — only what makes sense for a roofer.
Direct chat with a licensed advisor. We explain what each plan pays on a real fall claim, not what the brochure claims.
Accident and supplemental coverage can start within 24 hours. Group and major medical follow plan rules and Special Enrollment timing.
We're independent. We don't get paid more by one carrier than another. Here's how we typically place roofers and roofing companies across the four largest national carriers.
Best for: Roofers in rural states where BCBS dominates provider networks for ortho and trauma centers.
Best for: Roofing companies with crews across multiple states — strong PPO portability and decent specialty Rx coverage.
Best for: Roofers who want wellness/biometric programs and competitive group dental + vision bundling.
Best for: Mid-sized roofing companies needing flexible level-funded designs and broad national networks.
We also quote regional carriers (Kaiser, Highmark, Humana, Molina, Oscar, Ambetter and others) when the math is better for your zip code and crew size.
"I came off the roof wrong on a tear-off in May. Three weeks before I could climb again. The disability check showed up before my truck payment was due. That's the difference between scary and survivable."
"My old health plan was costing my four-man crew a fortune and nobody was using it. OpenMedAssist switched us to a group plan with real urgent care coverage and bolted on accident insurance for every guy. Better coverage, less paperwork."
"I'm self-employed, one truck, mostly residential reroofs. Every other agent tried to sell me a Cadillac plan I couldn't afford. My OpenMedAssist advisor actually listened, found me a subsidy I didn't know I qualified for, and added accident coverage for the price of a tank of gas."
A few quick questions. A licensed OpenMedAssist advisor or one of our marketing partners will reach out with plan options built for crews working above the ground.
We'll tailor your options based on who needs coverage.
Real questions we get from solo roofers and roofing companies every week.
BLS data ranks roofers above any other construction trade for fall-related deaths. We break down which policy types pay out fast on fall injuries — and which ones leave gaps you'd never notice until you needed them.
Read ArticleWhether you run a 3-person residential crew or a 20-person commercial outfit, the group health math changes by headcount. Here's how to pick between SHOP, level-funded, and direct carrier plans without overspending.
Read ArticleRoofers use urgent care, dermatology, and ER services on a different schedule than the rest of the workforce. Picking a plan that lines up with peak summer risk can save thousands — and a lot of recovery time.
Read Article