Trucker562 Truck and Health Insurance Products

An interruption due to an accident can result in missed payments on rent, mortgage, or having to cash in savings to cover lost income. NAL’s WSIB/WCB Alternative programs insure that you are protected in the event of an unexpected injury.

Exclusive Features

  • 24/7 Coverage
  • Up to 5 Year Own Occupation
  • Up to $4,000/month income replacement
  • Designed specifically for Owner Operator truck drivers
  • First payor to the carriers auto policy (written in the policy)
  • Covers both your income & fixed business expenses
  • Unlimited number of soft tissue claims
  • In-House claims adjudication – Results in fast claims turnaround
  • Direct Deposit Claims  Payments – Benefits automatically deposited into your bank account

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Accidental Death and Dismemberment is coverage for very severe injuries that you will hopefully never have to use.  In the event of your Accidental Death once your claim is approved, your beneficiary or estate will be paid a lump sum amount.

Exclusive Features

  • Tax Free Benefit up to $300,000 – $500,0000 Coverage
  • Covers Accidental Death
  • Covers Dismemberment and Loss of Use
  • Lump Sum Benefit
  • 24/7 Coverage
  • Low monthly price
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Permanent and Total Disability is coverage for very severe injuries that leave you disabled for a long period of time.  To qualify for Permanent and Total Disability you need to be unable to perform two out of the six activities of daily living such as bathing, dressing, transferring, feeding, toileting and maintaining continence.

Exclusive Features

  • Tax Free Benefit up to $300,000 – $500,0000 Coverage
  • Covers Accidental Injuries
  • Pays in addition to other disability benefits
  • Lump Sum Benefit
  • 24/7 Coverage
  • Low monthly price
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Accident Medical Expense coverage provides reimbursement of expenses that would not normally be covered by your provincial health care plan.  Once you receive a bill for one of the covered medical expenses you simply submit a copy of your bill with your claim forms for reimbursement up to the policy limits.

Exclusive Features

  • Up to $110,000
  • Expense Reimbursement
  • Covers Physiotherapy, Chiropractors, Prescription Drugs and more…
  • Pays in addition to disability benefits
  • 24/7 Coverage
  • Low monthly price
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With the rising costs of medical expenses in the United States and abroad, it’s crucial that when you are traveling Out of Province to have sufficient Travel Medical coverage. Depending on the severity of the injury or illness, hospital bills can range from $1,000 to over $500,000 (based on actual claims)! The NAL Travel Medical solution provides coverage while you are outside of Canada (or your province of residence) while travelling on business or pleasure.

Exclusive Features

  • $5,000,000 Coverage
  • No deductible
  • Direct Claims Settlement
  • Unlimited number of trips per year
  • Up to 15, 30, 60 days per trip available
  • Single or Family Coverage
  • Coverage for business and pleasure
  • Low monthly price
  • Covers Stable Pre-Existing Conditions


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An accident can happen at anytime & anywhere.  You may even find yourself stuck with a deductible payment when the accident is not your fault in Ontario and other no-fault jurisdictions. NAL has been providing valuable Deductible Buydown protection for two decades. As one of the first providers of this type of protection, NAL has the experience to ensure that you have the right protection at the right price.

Exclusive Features

  • Lump sum payment
  • Streamlined claims processing
  • Tax-free benefits
  • ‘Infill’ coverage for claims lower than the deductible
  • Coverage for at fault and no-fault accidents and third party liability
  • Preferred pricing depending on experience and driving record
  • Coverage Options – $10,000 – $2,000 or $5,000 – $1,000
  • Customized options for groups larger than 10 units
Choice3-562 Truck and Health Insurance Products

Unexpected downtime can be a very expensive time for an Owner Operator.  The average cost of downtime for a trucker is approximately $92.41/hour including time off work, expenses and opportunity cost of capital.  At NAL we offer Accident Downtime coverage with the highest downtime benefits and lowest price in the industry.

Exclusive Features

  • Tax-free benefits
  • Covers downtime due to traffic accidents after a 5 Day elimination period
  • Lowest price in the industry
  • Lump sum payments for write-offs & stolen vehicles
  • Maximum downtime payment is $11,900
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In the event of a total loss due to an accident, fire or theft, there maybe a difference between the amount you owe to the finance company and the actual value of your vehicle.  This is where GAP coverage comes in, it will cover your losses up to $50,000 and up to $50,000 for injuries to the driver of the vehicle.

Exclusive Features

  • Pays your monthly truck payment
  • Covers payments up to $5,000/month
  • Covers for injuries and critical illnesses
  • A maximum term of 12 months of benefits
  • 30 Day Elimination Period


Our Products

We work with Owner Operators, Fleets and Insurance Companies to build products designed to protect Drivers and their Companies.  Trucking can be a high risk industry for injury claims because of 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 you should always expect the best when working with NAL Insurance.  Our dedicated team is always available to provide you with a prompt response if you 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 limit our costs.  Currently, we offer both Owner Operators and Fleets the ability to manage their benefit program online; from buying coverage, reviewing policy documents, submitting claims information or viewing a claims status.  This gives our clients access to the information they need 24/7.



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