The North-East Roofing Contractors Association reports that energy costs are the No. 1 concern for small and medium-size business owners. The NERCA sites a survey conducted by PNC Financial Services Group, which says that energy now replaces health insurance as a top business concern. PNC also found that almost half of the businesses surveyed plan to pass higher energy costs to customers. Of those raising their prices, more than two-thirds will hike prices by 3 percent or more.