This article uses affiliate links, which means if you purchase products through these links, we may earn a commission. Click here to see our T&C. For licensing please click here.

The insurance industry has always existed on a fine line in people's opinions. For the most part, people have viewed companies to only cater to a particular class of people while not paying attention to others. However, with progress being made in this space, workers' compensation program provider O.C.M.I. is looking to change this. They are showing a new side of the insurance world by providing insurance for blue-collar services.

O.C.M.I.
O.C.M.I. O.C.M.I.

Since the beginning, O.C.M.I. has aimed to provide blue-collar companies with exclusive compensation programs. All their in-house CRM and underwriting programs are proprietary, giving carriers instant clarity on a per-account basis.​​O.C.M.I. ensures this so approvals on all their programs are instant.

O.C.M.I. has committed to aiding businesses purchase workers' compensation insurance. The goal of O.C.M.I. is to provide workers insurance as fast as possible so they can continue their work. O.C.M.I.'s team says that they've seen insurance companies operating in the blue-collar space tend to make it hard for insurance claims to get approved.

Talking further about their business model, O.C.M.I. states that they are now entering market segments that none of their competitors do because providing quick and efficient insurance claims isn't easy. They have built PEOs and carriers that help them operate in all parts of the market. Carriers and PEOs don't allow anyone else to underwrite an account in the blue-collar industry.

O.C.M.I.'s accounts offer no deposits, audits, or cancellation fees. These features make it even easier for most blue-collar companies and individuals to enroll. O.C.M.I. also offers a pay-as-you-go service when it comes to auditing, whereas traditional practices tend to go for end-of-year audits. This means, with O.C.M.I., You pay for whatever you use, no more, no less. The payment process is further simplified with O.C.M.I. because it reports to the employee's payroll, so there's never any confusion about overcharging.

The road to getting into this space in the insurance industry hasn't been easy for O.C.M.I. The team talks about how they've built their own CRM, Janice. It crawls the internet looking to gather any information immediately. This tool helps minimize the time taken for clients to get approved, which is one of the core values O.C.M.I. has believed in since its inception. According to the company, they've moved away from all the heavy paperwork that takes up time and space, eventually slowing down the approval process.

Using their technologies, O.C.M.I. has been able to identify what most carriers are looking for. They've also been able to understand what their clients need and how carriers can improve upon that.

When talking about wisdom, O.C.M.I. mentions how they've always remained pro-change, and it helps keep them up-to-date in the modern world, unlike most other PEO brokerages. They also explain why this is the reason they're into automation. In the coming years, O.C.M.I. plans to lead the PEO brokerage industry and expand the work they're doing.