Is workers compensation required for trucking companies?
Quick Answer:
In Ontario, most trucking companies with employees must carry workers compensation coverage through WSIB. Owner-operators may be exempt but can opt in.
Workers Compensation for Ontario Trucking Companies
Understanding your WSIB obligations is essential for trucking business compliance.
Who Must Register with WSIB?
- Trucking companies with employees (Schedule 1)
- Dispatched workers and drivers
- Leased operators in some cases
Who May Be Exempt?
- Independent owner-operators (sole proprietors)
- Partners in a partnership
- Executive officers of corporations (can apply for exemption)
WSIB Premium Rates
Trucking industry rates are based on classification:
- General trucking: Approximately $3–$5 per $100 of payroll
- Rates vary by specific operation type
- Experience rating can adjust rates up or down
Coverage for Owner-Operators
If you're an independent owner-operator, you can:
- Register voluntarily with WSIB (optional personal coverage)
- Purchase Occupational Accident Insurance instead
- Remain without coverage (risky if injured)
Motor Carrier Requirements
Many motor carriers require proof of:
- WSIB clearance certificate, OR
- Occupational Accident Insurance policy
Getting a Clearance Certificate
To work with larger carriers and shippers, you'll need a WSIB clearance certificate showing your account is in good standing.
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