WORKERS COMP FOR ANY COMPANY OF ANY SIZE
We know you want to get back to work, so we simplify the process of getting you covered. OCMI offers instant approvals and Pay As-You-Go programs. In most cases, we provide certificates on the same day.
- Workers Comp
ABOUT OUR PROGRAM
At OCMI, we revolutionize workers' compensation programs to cater to your needs. Choose our pay-as-you-go plan for flexible coverage without contracts.. OCMI eliminates the hassle of audits, making the process seamless. Also, there are no employee requirements, meaning that businesses of any size can take advantage of our customized solutions.
Flexible Workers Comp
- No employees, no problem
- Short-term coverage
- No deposits, no audits, no hassle paperwork
Programs for Any Company
- Start-ups with no history
- High risk companies
- Construction, manufacturers, restaurants, & trucking
What do We Need?
- Answer 30 seconds of questions
- Decide what program fits your company needs
- Electronically sign & receive proof of coverage
- Types of Industries
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
- Steps to Start
GETTING STARTED IS EASIER THAN YOU THINK!
- Quote
Use our Comp Calculator to get your rate.
- Sign Up
Our digital sign up gets you instantly approved. Get certificate today.
- Enroll
Protect your employees by reporting them each week.
- Success
Last step is to autopay, set it, forget it, and you are done.
- Quote
Use our Comp Calculator to get your rate.
- Sign Up
Our digital sign up gets you instantly approved. Get certificate today.
- Enroll
Protect your employees by reporting them each week.
- Success
Last step is to autopay. Set it, forget it, and you are done.
- Reviews
WHAT PEOPLE
SAY ABOUT US?
Read testimonials from our clients on how our programs have helped them protect their employees and save money on insurance payouts.
MOBILE APP FOR
OUR CLIENTS
QUESTIONS?
WE HAVE ANSWERS
Explore our FAQ for extended answers to all of your questions regarding Workers Compensation in the state of Florida.
Yes, workers’ compensation insurance is required for most employers in Florida, with few exceptions.
In Florida, almost all employers with four or more employees, including full-time and part-time workers, are required to have workers’ compensation insurance. Construction industry employers must have coverage with at least one employee.
Workers’ compensation insurance provides coverage for medical expenses, rehabilitation costs, and a portion of lost wages for employees who suffer work-related injuries or illnesses.
If an employee is injured or becomes ill due to work-related factors, they should report the incident to their employer promptly. The employer must then initiate the claims process by notifying the workers’ compensation insurance carrier. The carrier will evaluate the claim and provide appropriate benefits if approved.
Yes, as an employer in Florida, you have the flexibility to select a private insurance company authorized to provide workers’ compensation coverage or opt for a self-insured program, subject to regulatory requirements.
Failure to carry the required workers’ compensation insurance in Florida can result in penalties, fines, stop-work orders, and potential legal liabilities for employers.
In addition, workers compensation does not cover injuries that occur outside of work, such as commuting to and from work or running errands for the company.
Furthermore, workers compensation does not cover injuries that are self-inflicted or caused by illegal activity.
Finally, workers compensation does not cover psychological injuries, such as stress or anxiety.
If you have any questions about what is covered by workers compensation, you should speak to your employer or an HR representative.
- Contact Us
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