Charlebois Associates outlines why individual WSIB Alternative policies are strongly recommended over group policies for owner-operators. The letter explains that group insurance arrangements can blur the line between independent owner-operators and employee drivers, potentially exposing carriers to WSIB audits, back premiums, EI, CPP, employer health tax, and group benefit liabilities. Individual policies help preserve independent [...]

Glenn Caldwell Vice President Corporate Development at NAL Insurance/Thank a Trucker September 29, 2025 Over the years, I’ve watched Ontario’s Workplace Safety and Insurance Board (WSIB) opt-out process for Owner‑Operators (OOs), Lease Operators (LOs), and fleets go through quite an evolution. What once required paper forms—like the old 1149A, 1157A, and later the 10687A—has [...]