Workers Comp for
any industry of
if you don’t have employees.
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OCMI Workers Comp is a business workers compensation program
provider finding the best affordable coverage for any business.
Flexible Programs for any industry
Every business has unique workers compensation needs.
That’s why O.C.M.I. is here to help.
Flexible Workers Comp
Programs for any company
What do we need?
Use our Comp-Calculator to see your rate
Don’t take our word for it.
Read our reviews.
OCMI always feels the importance of client’s feedback so we can continue in bettering our services.
Google 4.7 Stars
Quickness To Help
Their quickness to help me was amazing it is very easy to work with OCMI.
A Life Saver
Simply put, OCMI has been a life saver for our company.
Easy To Work With
OCMI is very easy to work with. They make sure you make the correct coverage you need.
Have workers compensation questions?
Workers’ compensation insurance requirements and coverages
Is workers’ compensation insurance required by law?
Each state sets its own regulations for workers’ comp. Most states require it as soon as you hire your first employee. Texas and South Dakota are the only states where it’s optional for employers to purchase workers’ comp.
In addition to differences across states, the construction industry often has separate rules from other industries. Visit our workers’ compensation state laws page to learn about the requirements in your state.
What does workers’ compensation insurance cover?
Workers’ compensation insurance helps pay for medical expenses and partial lost wages resulting from a work-related injury or illness. In the event of a fatality, it also pays death benefits.
Read more about workers’ compensation coverage.
Do sole proprietors and independent contractors need workers’ compensation insurance?
Workers’ compensation insurance is typically not required for sole proprietors and independent contractors, outside of hazardous professions such as roofing. However, in certain situations someone who is self-employed or an independent contractor might want to purchase a policy.
If you’re injured on the job, your health insurance provider might deny a claim, so it’s worth buying this coverage to protect against unexpected medical costs. Clients might also require you to carry it.
Read more about workers’ comp insurance for sole proprietors and independent contractors.
Why does worker classification matter?
The cost of workers’ compensation depends in part on the type of work done by your employees. That means you must make sure your employees are classified correctly to avoid lawsuits and penalties. Each employee must be assigned a workers’ compensation class code that accurately reflects their work environment and level of risk.
How quickly can I get workers’ compensation coverage with OCMI Workers Comp?
Our online application for workers’ compensation insurance takes just a few minutes to complete. It requires basic information about your business, including where it’s located, the number of employees, and your estimated annual payroll.
In most cases, we’ll deliver quotes from top-rated insurance programs as soon as you finish the application. Look them over and pick the program that works best for you. A representative is available to assist you throughout the process.
Once you purchase the program, you can access your account and obtain a certificate of insurance, which is a formal proof-of-insurance document.
What industries does OCMI offer workers’ compensation insurance to?
OCMI Workers Comp specializes in small business insurance for numerous industries. Our insurance program specialists have helped more than 35,000 businesses, including:
Building design professionals
Cleaning service businesses
Construction and contracting businesses
Finance and accounting professionals
Food and beverage businesses
Information technology businesses
Media and advertising companies
Photographers and videographers
Real estate professionals
What should I do when an employee is injured at work?
When an employee is injured at work, your first responsibility is ensuring the safety of your workers. Your immediate response should be to assist the injured, get workers to a safe area, and contact emergency medical services if anything more than basic first-aid is needed. When the situation is under control, talk to witnesses and take notes to document what happened.
How do I file a workers’ compensation insurance claim?
When you or one of your employees is injured, you must:
*Give the employee the appropriate paperwork and guidance
*File the claim with the insurer
*Comply with state law for reporting work injuries
To make a workers’ compensation claim, the employee must report the injury within a certain time frame, which varies depending on your state. The employer should provide the employee with appropriate paperwork, including a claims form, and submit it to the insurance carrier.
In some states, incidents must be reported to the state workers’ comp board. The employee may also need to seek medical treatment from a doctor approved by the board. Your agent can guide you through the process and provide answers to any additional questions.
Workers’ compensation vs. general liability insurance
Workers’ compensation and general liability insurance can both pay for medical expenses related to injuries at your business. However, general liability does not cover employee injuries. To extend this protection to your employees, you will need to purchase workers’ comp insurance, which covers the costs associated with employee injuries or illnesses. Depending on which state your business is located in, you may be legally required to purchase workers’ comp coverage.