Workers’ compensation insurance rates in construction vary widely among occupations and jurisdictions. In general, those who work in high-risk occupations experience higher insurance rates. Between 2005 and 2007, falls from elevations among roofers cost about $107,000 each, followed closely by falls from elevations among carpenters ($97,000). Among other occupations, the average cost was $46,000 per fall from elevation.5 In 2011, the workers’compensation insurance rate per $100 of payroll for roofing was $48.83 in Montana compared to just $10.66 in Indiana, while the rate for insulation work ranged from $24.41 in Illinois to $4.60 in Hawaii (chart 53b).