A contractor not purchasing all of his General Liability and Workers' Compensation coverage from a broker may have more difficulty getting a bond. Some providers may raise his rate or even cancel coverage because of declining volume of premium. You have reduced his buying power. Insurance agents throughout Florida will suffer a loss of premium income. These small businesses will suffer at the expense of one large insurer lucky enough to gain the OCIP contract.
Contractors view an OCIP as a negative.
Contractors take pride in their safety records. They gamble on low insurance claims and costs. The State of Florida is the beneficiary of this gamble. It is bound to raise costs and potentially create conflicts between owner and contractor. Governor Bush, as you can tell I do not like the OCIP concept.