I want to start this article by making sure readers understand that I am not an insurance consultant, lawyer or any other type of expert on the insurance industry. My comments and information are based on 30 years of consulting and interaction with contractors. You must contact your local program agent and advisors if you have questions about workers' compensation issues, as each and every state has different requirements. This article is not meant to provide advice but rather to provide insight and urge you to obtain a better understanding of the situation in your area. Always consult your local professionals if you have questions about your company's obligations.
For roofers, workers' compensation rates are particularly high and a really touchy subject. In some areas, it is difficult for roofers to obtain coverage, and, since rates are so high, many contractors try to cheat the system. In today's litigious work environment, such avoidance is extremely foolish.