Owner/Operator Services

What Owner/Operator Services does

Owner/Operator Services, Inc. (OOSI) is a Plano, Texas-based corporation founded in 1994 to administer the Texas McDonald's Employee Injury Insurance Program, which has operated continuously since 1990. OOSI's sole function is to manage this single program — including loss control, claims management, premium drafting, and policyholder services — on behalf of Texas-based McDonald's owner-operators. The company owns Operators Reinsurance Company (ORC), a wholly owned captive insurance subsidiary domiciled in the Cayman Islands and managed by Artex Risk (Cayman), which is the entity that actually issues the employer's indemnity coverage on a cost-plus basis.

OOSI's product surface is narrow and operationally focused: an online portal (orc.oosi.com) for new policyholder applications and policy change requests, an OOSI claim form for initial injury reports, downloadable claim packets, supply ordering for compliance posters, a medical facility finder, and forms for minor employees. Underlying technology is a web-based policyholder and claims administration system; there is no proprietary AI, software product, or platform sold externally. Claims processing is outsourced to Sedgwick and prescription services to Optum, embedding OOSI in a multi-vendor service chain.

The business model is recurring subscription-style captive insurance plus managed services fees. Policyholders provide annual sales estimates; premiums are drafted monthly on the fifth of each month and, on a cost-plus basis, profits are used to temper market cycles for participants. OOSI is owned by The Policyholders' Trust (PHT), a business trust in which trustees act as fiduciaries and the ORC policyholders are beneficiaries, making the program effectively member-owned rather than equity-financed. Geographic scope is exclusively the State of Texas, and the customer base is exclusively McDonald's owner-operators within that state.

Name

Owner/Operator Services

Legal name

Owner/Operator Services, Inc.

Website

https://oosi.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

51–100 employees

Short description

Owner/Operator Services, Inc. (OOSI) administers the Employee Injury Insurance Program exclusively for Texas McDonald's franchise owner-operators through its wholly owned Cayman-domiciled captive insurer, Operators Reinsurance Company (ORC), on a cost-plus, member-owned basis since 1994.

Ownership category

akta.pro rank

Product category

Workers' Compensation Insurance (QSR franchise program administration)

NAICS

Other Insurance Funds (525190), Insurance Carriers (5241), Other Insurance Related Activities (52429)

SIC

Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Captive Insurance Advisory & Management (FSAEADAF)

akta.pro secondary industry

Managed Care Entity Administration for Medicaid (MCO/PHP/PIHP/PAHP) (HLAEAEAJ)

Keywords

• Workers compensation insurance
• Captive insurance services
• Franchise insurance program
• Claims management services
• Loss control services

Headquarters

HQ city

Plano

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Captive Insurance Premiums: Monthly premiums based on sales estimates provided by policyholders at the beginning of each year. Premiums are drafted on the 5th of each month. The program operates on a cost-plus basis, utilizing profits to temper market cycles and help policyholders control business costs.
2. Insurance Program Management: Administrative fees for managing the Employee Injury Insurance Program including Loss Control and Claims Management services for policyholders.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels2 records

Core offering

Owner/Operator Services, Inc. (OOSI) administers an Employee Injury Insurance Program built exclusively for Texas McDonald's franchisees, providing workers' compensation coverage, claims management, and loss control services. The program is underwritten through its captive reinsurance subsidiary, Operators Reinsurance Company (ORC), a Cayman Islands insurer, with premiums collected as monthly drafts based on each policyholder's sales estimates. OOSI supports policyholders via a web portal (orc.oosi.com) for claims, supply ordering, policy changes, and medical facility lookup.

Product overview

Owner/Operator Services, Inc. (OOSI) operates as a single unified insurance administration platform for the Texas McDonald's Employee Injury Insurance Program. The core offering is the Employee Injury Insurance Program, which encompasses claims management via the OOSI Claim Form (Initial Report of Injury), policyholder administration through the ORC (Operators Reinsurance Company) portal, loss control services, and premium drafting. OOSI provides policy management functionality through its online portal including store addition/deletion, insurance policy changes, and compliance filing support. The company also offers a medical facility finder service and various supply order forms for required workplace posters. The subsidiary ORC is an offshore captive insurance company domiciled in the Cayman Islands that provides the actual employer's indemnity insurance coverage.

Differentiator

Problem solved

Functional benefit

Products and services

• Employee Injury Insurance Program Specialty workers' compensation / employee injury insurance coverage sold exclusively to Texas McDonald's franchisee policyholders, including claims management and loss control services delivered via a web portal.
• Operators Reinsurance Company (ORC) captive reinsurance Captive reinsurance entity domiciled in the Cayman Islands that underwrites the Employee Injury Insurance Program, insulating premiums from commercial market volatility through a cost-plus structure.
• Policyholder web portal (orc.oosi.com) Secure online portal used by Texas McDonald's franchisee policyholders to access program services, including claims submission, claims status, supply orders, medical facility finder, and policy changes (add/delete store).

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and supporting.

• Artex Risk (Cayman)coreImplementation/ SI/ Consulting PartnerArtex Risk (Cayman) provides captive insurance management services for Operators Reinsurance Company (ORC), the offshore captive insurance entity. Located in Grand Cayman, Artex manages the regulatory and administrative requirements of the captive insurance structure.
• SedgwickcoreImplementation/ SI/ Consulting PartnerSedgwick handles claims administration for the OOSI Employee Injury Insurance Program. Policyholders report claims through OOSI and submit documentation to Sedgwick via email or fax for processing.
• OptumsupportingOthersOptum provides prescription services through the OPTUM Prescription First Fill Form, part of the claims workflow for employees seeking medical treatment under the insurance program.

Scale indicators2 records

Recent moves2 records

Expansion highlights3 records

Direct peers

• Strategic Risk Solutions (SRS): Independent captive insurance management company serving group captives and single-parent captives across multiple domiciles. Directly comparable business model of managing regulated insurance vehicles for niche member/owner groups.
• Sedgwick: Large third-party claims administrator; already serves as OOSI's claims administration partner for the Employee Injury Insurance Program. Closely comparable role in injury/workers' comp claims management.
• Artex Risk Solutions: One of the largest independent captive insurance management firms; already serves as OOSI's captive management partner for ORC in Cayman. Directly comparable as a captive formation, management, and regulatory services provider to similar group captives.
• Employers Holdings: Monoline workers' compensation insurer focused on small businesses, particularly in select states. Comparable mono-line workers' comp underwriting and policy administration model to OOSI's employee injury program.

Regional players

• Texas Mutual Insurance Company: Largest Texas-domiciled workers' compensation carrier, writing the same line of coverage as OOSI's program but as a traditional state-funded commercial carrier. Comparable product (TX workers' comp) in the same single geography.

Others

• Optum: Healthcare services subsidiary of UnitedHealth Group, already integrated into OOSI's claims workflow via the OPTUM Prescription First Fill Form. Adjacent ecosystem partner in the employee injury care pathway.

Emerging players

• Pie Insurance: Tech-enabled workers' compensation insurer targeting small businesses, including restaurant operators. Compares to OOSI on small-business workers' comp underwriting, though via a digitally native distribution model rather than a captive.
• NEXT Insurance: Digital SMB insurance provider offering workers' comp and other commercial lines online. Partial overlap with OOSI's small-business franchisee customer base, particularly in restaurant and service verticals.

Broad incumbents

• Aon Captive & Insurance Management: Aon's captive insurance management practice operates one of the largest global captive management platforms. Comparable function to OOSI's captive administration but across a far broader industry and geographic footprint.
• Marsh Captive Solutions: Captive insurance management arm of Marsh McLennan, offering formation, administration, and consulting across a global portfolio. Overlaps with OOSI's captive management role but at much greater scale and across industries.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/owner-operator-services-inc.

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Owner/Operator Services