Disability Insurance for Truckers
Disability Insurance for Truckers
Comprehensive accident and disability protection designed specifically for the trucking industry — covering you 24 hours a day, not just on the job.
When WSIB Isn't Enough
For owner-operators and independent truckers, WSIB coverage isn't always available — or enough. BreMac's Special Risk (WSIB Alternative) plan fills that gap with comprehensive accident and disability protection designed specifically for the trucking industry.
Unlike WSIB, you're covered 24 hours a day — protected at work, at home, and everywhere in between.
WSIB Alternative — Plan Includes
Weekly Income Benefits
Paid from Day 1 of injury — no waiting period for accident-related income loss.
24/7 Coverage
Protected at work, at home, and everywhere in between — not just on the job.
104 or 260 Weeks
Own Occupation definition for up to 5 years of income replacement benefit.
Accidental Death & Dismemberment
Up to $500,000 in AD&D coverage for you and your family's financial security.
Paralysis Benefits
Up to $1,000,000 in paralysis benefits for catastrophic injury protection.
Permanent & Total Disability
Benefit up to $500,000 for injuries that permanently prevent you from working.
Family & Education Benefits
Accidental Dental, Rehabilitation & Psychological Benefits included in the plan.
Home & Vehicle Alteration
Seat Belt, Repatriation & Funeral Benefits to support you and your family.
Enhanced Accident Medical
First Payer over your fleet auto policy — no gaps in your medical coverage.
Permanent & Total Disability — Exclusive Features
Severe injuries that leave you unable to work long-term deserve serious protection. PTD coverage pays a lump sum benefit after just 24 months of qualification, using a non-catastrophic definition.
Tax-Free Lump Sum
Up to $300,000 paid tax-free — a significant financial cushion when you need it most.
Covers Accidental Injuries
Triggered by accidental injuries that result in permanent and total disability.
Pays in Addition
Pays on top of other disability benefits — not instead of them.
24/7 Coverage at Low Cost
Around-the-clock protection at a low monthly cost designed for truckers.
Get the Coverage You Deserve
Don't leave your income and family unprotected. Contact BreMac today to learn more about our Special Risk and PTD plans built for Canadian truckers.
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