O.C.M.I. Workers Comp is an insurance company offering exclusive workers’ compensation programs for blue-collar companies. Their in-house CRM and underwriting programs are proprietary and one-of-a-kind. They provide carriers instant clarity on a per-account basis, thus providing instant approvals on all their programs. 

O.C.M.I. strives and is committed to helping businesses acquire workers’ compensation insurance fast and efficiently so they can continue to operate seamlessly. The insurance company stands out from the rest for specializing in blue-collar companies, which have a tough time getting approved. Due to the years of experience and relationships the company has built with professional employer organizations (PEOs) and carriers, they have access to diverse markets that their competitors do not.

 “We have access to specific carriers that only approve these clients. These carriers and PEOs won’t allow anyone to underwrite an account in the blue-collar industry. That’s why 95% of brokers that do what we do, don’t have this kind of success that we have,” Oscar Montenegro, the company’s Chief Vision Officer and CEO, explains.

The company’s programs offer a no deposit, no audit, and cancellation fee system.

It’s a pay-as-you-go system, and similar to your light bill, you only pay for what you use when you report your payroll. Oscar affirmed, “We never under or overcharge the client. In traditional markets, you give an estimate, and they charge you monthly based on an estimate. And at the end of the year, they come and check your books. It costs you money and time, and they find flaws and ways to charge you more based on what they find in your books.” 

In the beginning, O.C.M.I. Workers Comp’s process wasn’t that easy or simple. To enhance their operations, they built their CRM called Janice, which crawls through the internet and immediately gathers any information required, like a client’s tax ID, violations, proof of coverage, and what carrier they had. According to the CEO, this technology can minimize the process and length it takes for their clients to get approved. The company has been able to understand what carriers are looking for and what the client needs that the carriers will use to approve them. Similarly, they have gotten away from all the heavy paperwork and delays. Now people don’t have to print anything out. Their automated system allows clients to fill things out and send them in.

 Since 2007, O.C.M.I. has continued to excel and engineer better and faster ways of gathering data online and eliminating paperwork as much as possible. In contrast, most companies avoid change and stay in the dinosaur age—however, O.C.M.I. Workers Comp’s specialty is being able to understand each client one at a time. In insurance, you have to understand what each trade involves. For instance, you must know about construction, acknowledge what carpenters do, what working above a two-story building is, what roofers do, etc. Through O.C.M.I.’s history in construction, they have acquired partnerships and allowed their clients to get workers’ compensation through the programs on offer. “That’s our specialty,” Oscar proudly declares. 

While O.C.M.I. Workers Comp looks forward to becoming a leading PEO brokerage in the country, the team aspires to be a fully integrative HR, workers comp, and payroll platform for any company of any size.