Why Individual WSIB Alternative Policies Matter for Owner-Operators

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 status while reducing long-term risk for carriers and owner-operators.