When an insured carrier allows their Owner Operators to opt out of WSIB coverage, The Guarantee looks for best practice controls in place to help protect the insured-,” says John Farquhar, Transportation Risk Solutions Specialists at The Guarantee. These best practice controls must include a good solid alternative workplace coverage that is mandated for all Owner Operators. The WSIB alternative must be administered by the insured carrier either with the owner operator paying into the program and the provider monitoring compliance with reports back to the insured, or the insured paying for the program on behalf of the Owner Operator. These controls are put in place to minimize the risks associated with opting out of WSIB.” For more information on this partnership, please visit

For the full press release please visit

The Guarantee Company

Phone: 1-800-268-6617

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“A sound risk management program for any fleet with Owner-Operators will have a comprehensive WSIB alternative program in place, preferably administered by the company itself. Without one, you’re leaving your automobile insurance policy exposed to an increased risk of Accident Benefit claims”

Brandon Clark,  Transportation Practice Leader

Dalton Timmis Insurance

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“Too many fleet owners leave it up to their O/O’s to select their own WSIB alternative plans leaving their own policy exposed. Selecting the NAL Solution insures that the O/O’s have the right coverage at special fleet pricing removing all the gaps”

Donny Cunha, Account Executive 

Jones DesLauriers Insruance Management Inc.

Phone: 1-877-232-9996



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NAL has been providing our clients with excellent coverage and the ease of doing business is exceptional.  Their team are experts in the WSIB Alternative Coverage field and are able to relay very complicated information in a very easy to understand way.”

Russ Philpott,  Risk Placement Manager

Staebler Insurance

Phone: 1-519-743-5221

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“When our fleet clients have Owner Operators who have opted out of WSIB it’s important that they purchase Alternative Coverage to protect their fleet policy.  We always recommend purchasing the NAL WSIB Alternative Program.  Its comprehensive coverage at an affordable price and all managed through an easy to use online administrative system.”

Sukhdeep Kang,  President

Armour Insurance

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With nearly 100 years of experience, PBL Insurance Limited (PBL) is one of the Top Independent Insurance Brokers in Ontario providing our clients with a wealth of expertise, guidance and dedicated personal service.  Independently owned and uniquely Ontario based – with 11 offices spread throughout the province – PBL is committed to being a true business partner  to our clients. PBL is one of Canada’s Top 25 Insurance Brokerages by providing consultative long-term solutions, specialist expertise,  an entrepreneurial management style and personable, responsive service.  Your Risk. Our Focus.

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Hargraft Schofield LP has led the Canadian insurance industry since 1874. In fact, we were one of the first brokerages established in Ontario. Today, we are a progressive company providing financial protection and risk management services for highly specialized commercial clients and successful individuals. We manage customized insurance solutions for many industry leaders in a number of sectors, including finance, construction, manufacturing, transportation, education, and hospitality.

Hargraft Schofield LP

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Bryson Insurance Brokers

Since opening for business in 1980, we have expanded our geographic reach and range of insurance services substantially. Our founder Richard Bryson built a solid foundation that daughter and current President of Bryson Insurance, Tracy Makris continues to build on. Tracy explains, “We have carried on the culture and sound business ethics that built Bryson Insurance into Durham’s leading insurance brokerage firm. We assign a dedicated account manager to every client and have been fortunate to hire exceptionally skilled employees who are dedicated to their careers, and the Bryson team. She adds, “The long standing relationships between our staff and customers are a key feature that differentiates us from other insurance providers. Our mandate is to keep things personal at Bryson. It helped us get where we are today and it will be one of the core elements that will sustain our business into the future.”

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Burrowes Insurance Brokers

“Too often, Carriers allow their owner-operators to opt out of WSIB without having the resources to ensure that WSIB alternative coverage has been obtained and maintained, leaving their own policy exposed. NAL offers a comprehensive solution that is easy to manage and understand”

Mark Jones, Director of Ontario

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“As a second generation family owned and operated brokerage, with over 80 staff, Leibel Insurance Group has been servicing Alberta and Ontario for over 40 years.

Having products that suit all our clients’ needs and the knowledge and experience to get them the best coverage at the lowest possible price. It’s our mission to provide our clients with the best value and insurance protection.
Our team of Trucking & Transportation Specialist are always excited to work with NAL Insurance and deliver this great add on product for our customers.”

Steve Leibel, Managing Partner

Leibel Insurance Group

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*British Columbia (BC) – NAL Insurance is only Life Licensed in the province of BC and not all products are available in this province. Any general insurance products are only available directly through one of our licensed partnered agencies located in BC. If your located in BC, please call 1-800-265-1657 and we will forward you to one of our partnered agencies.

“We at Challenger continue to see the benefit of partnering with NAL to provide our Owner/Operators with an excellent product backed up by service and relationship.”

Geoff Topping • Vice President, Human Resources at Challenger Motor Freight

“NAL Insurance was introduced to Bison as part of an overall risk mitigation project. NAL coordinated the process of transferring our existing Owner Operators from Bison’s WSIB account to their own private WSIB Alternative program. Because of this, we were able to reduce our corporate risk profile, AND provide better coverage to our Owner Operators – a true Win-Win! I would highly recommend the services of the NAL team.”

Garth Pitzel, Director of Safety and Driver Development, Bison Transport

After a comprehensive review process of many other suppliers, we were very pleased with our decision to have selected NAL Insurance as our WSIB/CNESST Alternative provider for our Ontario/Quebec based O/O’s.    Although your pricing was higher than the other providers we believe that NAL program provides a lot more value for Seaboard/Harmac and our Owner Operators.

David MacDonald, VP of Operations & Business Development, Seaboard Transportation Group

The “user friendly” on-line interface with the NAL system created minimal burden to our staff and the process was completed in a very respectable time frame. Any claim is handled swiftly, directly, without complaint from our owner operators and that is of the utmost importance to our organization.

Dave Raynsford, Director of Safety and Compliance, Quik X Transportation

Our Products

We work with Owner Operator, Fleets and Insurance Companies to build products designed to protect Drivers and their Companies.  Trucking can be a high risk industry for injuries claims because Motor Vehicle Accidents.  Its important to make sure your Insurance Company understands your business so that you are protected in the event of an accidental injury. 

Our Service

We always try to put our clients first.  When it comes to sales, customer service or claims should always expect the best when working with NAL Insurance.  Our dedicated team is always available to provide you with a prompt response back if your have a question about your policy, payment or claim.  If you ever have a question, please don’t hesitate to call 1-800-265-1657 and ask us.

Our Solution

In order to offer you the best price we can, NAL is committed to using technology to cut our costs.  Currently, we offer both Owner Operators and Fleets the ability to manages their benefit program online from buying coverage, reviewing your policy documents, submitting claims information or viewing your claims status.  This gives our clients access to the information they need 24/7 in the palm of their hand.



Let us understand your company needs and we will build a program together to protect your business.