Ontario owner operators can opt out of WSIB and access real income protection — designed specifically for truckers, at a fraction of the cost.
Why owner operators switch
As an independent owner operator, WSIB was built for employees — not entrepreneurs. Here's why a WSIB alternative puts more money in your pocket.
Ontario law allows owner operators to opt out of WSIB. When you do, you can redirect those premiums into coverage that actually pays — faster, smarter, and built for the road you're on.
Coverage built for truckers
Five products. One goal: complete protection for Ontario owner operators — on the road and off.
If you can't drive, your income shouldn't stop either.
As an owner operator, you don't get sick days. If an accident takes you off the road, the bills keep coming — fuel, insurance, loan payments, living expenses.
Income Replacement Coverage pays you up to $6,000/month tax-free while you're unable to work. It also includes an accidental death & dismemberment benefit and accident medical reimbursement for chiro, physio, prescription drugs, and more.
With flexible benefit levels and a straightforward claims process, this is the foundation of every serious owner operator protection plan.
Cross-border protection for drivers who never stop moving.
If you're running cross-border loads into the U.S., your provincial health coverage doesn't follow you. A single medical emergency south of the border can cost tens of thousands of dollars out of pocket.
Travel Medical Emergency Coverage steps in the moment you cross, covering emergency hospital care, physician services, and medical evacuation — so a health scare doesn't become a financial crisis.
Essential coverage for any owner operator doing transborder freight.
A serious diagnosis shouldn't derail your entire operation.
A heart attack, stroke, or cancer diagnosis can sideline you for months — or permanently. While you're focused on recovery, your business and your family still need financial support.
Critical Illness Coverage pays out a lump-sum benefit upon diagnosis of a covered condition, giving you the flexibility to cover treatment costs, business expenses, or time off the road — however you need it most.
This is financial protection for life's hardest moments, built for the self-employed.
Don't get hit twice — once in the accident, once in the wallet.
In Ontario and other no-fault provinces, you can end up paying your deductible even when the accident wasn't your fault. Deductible Buydown covers that hit — and goes further.
If your truck is down from an accident or mechanical breakdown, you receive $1,000 per week while waiting for repairs, plus towing coverage up to $2,000. It's completely customizable around your primary deductible and covers at-fault and no-fault accidents. Fleets of 10+ units receive preferred group pricing.
Two decades of experience in deductible protection means you're covered by people who understand exactly how claims work in this industry.
The benefits package you never got as an employee — finally yours.
Being self-employed means no employer benefits. Prescriptions, dental work, vision care, and paramedical services all come out of your pocket — unless you have a plan.
Optional Health & Dental Benefits give owner operators access to the same kind of group-style coverage that employees take for granted, at rates that make sense for independent operators.
Bundle with your income replacement coverage for a complete protection package that covers you from the road to the doctor's office.
Talk to a licensed advisor
No hold queues, no call centres. Our licensed advisor will walk you through your options and get you covered fast.
Licensed Insurance Salesperson · Ontario
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