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PAY-AS-YOU-GO WORKERS COMP DESIGNED FOR YOUR BUSINESS

OCMI has programs designed with your business in mind. We offer Pay-as-you-go Workers Comp plans for all types of companies; you have space to grow without any long-term commitments.

ABOUT OUR PROGRAM

Discover the power of OCMI’s short-term coverage programs. No contracts mean you can obtain the coverage you need without long-term commitments. Our pay-as-you-go approach ensures flexibility and convenience, allowing you to hold coverage for specific durations as required. OCMI will never audit you and require you to have a certain number of employees. Take advantage of our program today!

Flexibility Redefined

Tailored for Every Company

Simple Requirements

What Is Pay-as-You-Go Workers’ Compensation?


Pay-as-you-go workers’ comp helps businesses by basing premium payments on actual payroll. This flexible payment system ensures that you only pay for the coverage you need, without tying up cash in large upfront payments. With this approach, your workers’ comp premium adjusts with your payroll, helping you avoid costly surprises at the end of your policy term.

 

Why Choose Pay-as-You-Go Over Traditional Workers’ Comp?


Traditional workers’ compensation insurance often requires a large down payment based on estimated payroll, which can strain your cash flow. With pay-as-you-go workers’ comp, you avoid that burden and only pay premiums based on actual payroll, spread out over the year. This helps you maintain healthy cash flow and eliminates the risk of paying too much due to overestimating payroll.

 

Advantages of Pay-as-You-Go Workers’ Comp

  • Lower Upfront Costs: Start your workers’ compensation coverage with a smaller down payment, freeing up your capital for other business needs.
  • Accurate Payments: Pay premiums based on actual payroll, ensuring your payments match your current workforce size. If you hire more employees, your premiums adjust accordingly.
  • Better Cash Flow: With no large upfront costs, you can keep more money in your business and handle expenses as they arise.

 

Does Pay-as-You-Go Workers’ Comp Prevent an Audit?


Even with pay-as-you-go workers’ comp, a premium audit may still be required. The audit ensures that your payroll and workers’ classifications were accurate throughout the policy period. It’s a standard process to confirm your final premium amount.

WHO NEEDS WORKERS COMP COVERAGE?

Secure Your Heights,
Shield Your Team

Roofers workers comp, the essential safety net for Florida roofing businesses.

Embrace Resilience

High-risk workers comp, promoting safety and protection for companies facing challenges.

Contractor's Fortification

General contractors workers comp, the ultimate security for construction businesses in Florida and beyond.

Brush Strokes of Safety

Painters workers comp, protecting painting companies with comprehensive coverage and peace of mind..

Building with Confidence

Carpenters workers comp, protecting carpentry companies with solid coverage and peace of mind.

Taking the Safe Route

Trucking & drivers workers comp, safeguarding transportation companies with reliable coverage and peace of mind.

Serving Success with Confidence

Restaurant workers comp, protecting culinary businesses with comprehensive coverage and peace of mind.

Secure Your Heights,
Shield Your Team

Roofers workers comp, the essential safety net for Florida roofing businesses.

Embrace Resilience

High-risk workers comp, promoting safety and protection for companies facing challenges.

Contractor's Fortification

General contractors workers comp, the ultimate security for construction businesses in Florida and beyond.

Brush Strokes of Safety

Painters workers comp, protecting painting companies with comprehensive coverage and peace of mind.

Building with Confidence

Carpenters workers comp, safeguarding carpentry companies with solid coverage and peace of mind.

Taking the Safe Route

Trucking & drivers workers comp, safeguarding transportation companies with reliable coverage and peace of mind.

Serving Success with Confidence

Restaurant workers comp, protecting culinary businesses with comprehensive coverage and peace of mind.

ENTER YOUR INDUSTRY BELOW AND SEE IF YOUR
RATES ARE PRE-APPROVED FOR COVERAGE

GETTING STARTED IS EASIER THAN YOU THINK!

Use our Comp Calculator to get your rates.

Our digital sign up gets you instantly approved. Get certificate today.

Protect youremployees by reporting them each week.

Last step is to autopay, set it, forget it, and you are done.

Find your rate!

Use our Comp Calculator to get your rate.​

Our digital sign up gets you instantly approved. Get certificate today.

Protect your employees by reporting them each week.

Last step is to autopay. Set it, forget it, and you are done.

Welcome to the new way of getting Workers Compensation

Let’s get started!