Both companies offer PEO workers comp for Florida contractors. Here is the full side-by-side comparison of OCMI Workers Comp vs Comp Ninjas — pricing, COI speed, industries covered, and bilingual service.
Every feature that matters when choosing workers comp for a hard-to-place Florida contractor.
| Feature | Comp Ninjas | OCMI Workers Comp |
|---|---|---|
Business Model | Workers comp specialist — PEO and standalone options | PEO + traditional carrier mix |
Hard-to-Place Industries | Yes | Limited |
Same-Day Certificate of Insurance (COI) | Yes | Limited |
Pay-As-You-Go Billing | Yes | Limited |
No Large Deposit Required | Yes | Limited |
Transparent Published Pricing | $875 flat setup fee — published | Not published |
No Annual Audit Surprise | Yes | Limited |
Bilingual Service (English + Spanish) | Yes | No |
Online Quote Without Phone Call | Yes | No |
Roofing & High-Hazard Construction | Yes | Limited |
Towing & Trucking | Yes | Limited |
Agriculture & Farm Labor | Yes | No |
Staffing Agencies | Yes | Limited |
Owner-Only / 1-Employee Coverage | Yes | Yes |
Broker / Agent Referral Program | Yes | No |
Class Code Library (NCCI) | 135+ FL class code pages + NY + CA | No |
Florida Coverage | Yes | Yes |
California Coverage | Yes | No |
New York Coverage | Yes | No |
JUA / Assigned Risk Escape | Yes | Limited |
OCMI Workers Comp has been serving Florida contractors for years and has established relationships in the Florida workers comp market. They understand the Florida JUA problem and have helped contractors exit the assigned risk pool. Their blog covers general insurance education topics including deductibles, umbrella policies, and workers comp basics.
For contractors who prefer to work with a Florida-based company that focuses exclusively on the Florida market, OCMI is a legitimate option to consider.
Comp Ninjas was built specifically for the gaps that companies like OCMI don't fully address: bilingual service for Hispanic contractors, multi-state coverage (FL + CA + NY), published transparent pricing, and an online quote calculator that gives you a rate estimate without requiring a phone call first.
For hard-to-place trades — roofing (5551), towing, trucking, agriculture, home health, and staffing — Comp Ninjas' PEO group policy structure provides coverage where individual carrier placements often fail.
OCMI Workers Comp offers certificates, but timelines depend on underwriting. Comp Ninjas issues your COI the same business day enrollment is complete — because we control the group PEO policy, not a third-party carrier. When your GC is waiting on your certificate to start a job, same-day matters.
OCMI Workers Comp does not publish their pricing on their website. Comp Ninjas charges a flat $875 enrollment fee — no hidden charges, no percentage-of-premium markups. You know exactly what you are paying before you sign anything.
OCMI Workers Comp is English-only. Comp Ninjas has a fully bilingual English/Spanish website, Spanish blog content, and a Spanish-speaking service team. For the large Hispanic contractor population in South Florida, this is not optional — it is essential.
OCMI Workers Comp focuses on Florida. Comp Ninjas covers Florida, California (WCIRB-rated), and New York (NYCIRB-rated). If your crews work across state lines or you have a second location, Comp Ninjas handles all three states under one enrollment.