NAL Insurance is the leading provider of WSIB Alternative Solutions to O/O fleets in Canada insuring more than 380 Fleets. We offer comprehensive, individual policies (which help O/O's maintain their independent status) at special fleet rates. All claims are pooled with our 18,000 + O/O's which helps stabilize rates for everyone in the pool. The majority of fleets in Ontario have allowed their O/O's to opt-out of WSIB It’s important to understand that there is a process that needs to be followed in order to reduce your liability as a Fleet, remain compliant, and avoid hefty fines from WSIB.Who Can Opt-Out?O/O’s that own their own vehicle and pay the majority of expenses have the ability to opt-out. An 10687A (WSIB Independent Status Document) must be completed and signed by all O/O’s and the Fleet and forwarded on to WSIB for consideration. Be sure to provide a copy of the vehicle ownership, articles of incorporation (if applicable), and a copy of their business registration (if applicable) to avoid delays. If you have allowed your O/O’s to opt-out of WSIB, we strongly recommend that you require your O/O’s to purchase a comprehensive alternative to WSIB to help reduce your liability and control costs. Offering this solution through settlement deduction will ensure your O/O’s not only purchase coverage, but in addition because you are paying the premium on their behalf (and charging them back), you can ensure coverage has also been maintained. We also recommend that you select a provider that can instantly provide you status updates, claims history, and payouts for MVA type claims. WSIB Alternative Evaluation. Most accident disability policies look very similar on the surface and can be very confusing unless you know what to look for. If you'd like us to evaluate your current program(s)/process and provide our written recommendation outlining any potential gaps, please contact me at gcaldwell@nalinsurance.com