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Short-term Workers
Comp programs
for any company.

Pay as you go programs instantly approved even 
if you don’t have employees.

Welcome to the new way of getting workers compensation

Check out your rates before you buy. Use our comp-calculator.

So, how easy is it to get started today?...

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Simple, no hassle paperwork made for everyone.

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Generate your own certificate online in seconds.

Get instantly approved & covered

Generate your own certificate online in seconds.

Get a workers’ comp quick-quote in seconds

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OCMI Workers Comp is a business workers compensation program

provider finding the best affordable coverage for any business.

Select your industry of work below

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


205 Reviews


Quickness To Help

Their quickness to help me was amazing it is very easy to work with OCMI.

Celestin Pierre


A Life Saver

Simply put, OCMI has been a life saver for our company.

Eve Simmons


Easy To Work With

OCMI is very easy to work with. They make sure you make the correct coverage you need.

Jason Fisher

Short-term workers compensation for
contractors & construction businesses

How much does workers' comp cost for construction and contracting businesses?

The amount you pay for workers’ compensation is a specific rate based on every $100 of your business’s payroll. Your premium is determined by the type of work done by your employees (classification rate), your experience modification rate (claims history), and your payroll (per $100).

The formula is:
Classification rate x Experience modification rate x (Payroll / 100) = Premium

State laws set workers’ comp requirements for construction and contracting businesses Every state creates its own laws for workers’ compensation requirements. For instance, every construction business in Florida is required to carry workers’ compensation insurance for its employees – even part-time workers. Georgia businesses, on the other hand, only need to carry workers’ comp when they have three or more employees.
States often have stricter requirements for construction businesses than other types of businesses due to the industry’s increased risk of injury. Roofers in particular are usually required to buy workers’ comp, regardless of whether or not they have employees.
Even when independent contractors, sole proprietors, and partners don’t have to carry workers’ compensation insurance, they can choose to purchase coverage for the financial protection it offers.

Find workers' comp requirements in your state

Choose your state to learn about
workers’ compensation insurance
requirements for your small business.

Monopolistic state funds

In certain states, construction and contracting businesses must purchase workers’ compensation insurance through a monopolistic state fund. Those states are:
If you purchase workers’ comp through a monopolistic state fund, it may not include employer’s liability insurance. However, you can purchase it from a private insurer to fill this gap in coverage.

Lower workers’ comp costs with risk management

Construction professionals face high risks due to the physical nature of the work – not to mention the hazards of saws, ladders, and other essential equipment. If an employee suffers an injury, it can lead to a costly insurance claim – and a rise in your premiums.
Luckily, the owners of construction companies can mitigate risks by providing safety training and reducing hazards in the workplace. You can also make sure your workers are equipped with protective gear, such as gloves and goggles. This can lower your rate of workplace injuries, along with your insurance rates.

How much does workers' comp for construction businesses cost?

Man in construction vest and helmet calculating insurance costs.
Construction and contracting professionals pay a median of $275 per month for workers’ comp.
Insurance costs for construction and contracting professionals are based on a few factors, including:

Other policies for construction and contracting professionals to consider

Workers’ compensation insurance provides protection for your employees and to some extent your business, but it doesn’t cover property damage, client injury, or company vehicles. Construction and contracting business owners should also consider:

General liability insurance: This policy can cover expenses related to client injury and property damage, along with copyright infringement issues.

Commercial auto insurance: This policy covers vehicles owned by your construction or contracting business. It typically pays for accidents, vehicle theft, and vehicle damage.

Contractor’s tools and equipment insurance: This policy helps pay for repair or replacement of a contractor’s tools and equipment if they are lost, stolen, or damaged.

Professional liability insurance: This policy covers professional mistakes and oversights, such as a contractor missing a deadline for a project.

Builder’s risk insurance: Builder’s risk insurance can pay for damage done to a structure still under construction, such as fire or vandalism at a construction site.

Get free quotes and compare policies with O.C.M.I Workers Comp

Are you ready to safeguard your construction or contracting business with workers’ compensation or another type of insurance? Complete our easy online application today. Once you find the right policy, you can begin coverage in less than 24 hours.
Compare workers’ compensation quotes Save money by comparing insurance quotes from multiple carriers.

Or call us at (800) 718-7552

Have zero employees?
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