Vital Shield Risk Advisory logoVital ShieldRisk Advisory

Alberta · Ontario · British Columbia

Income protection for truckers and owner-operators

If the truck stops, your income can stop too.

Whether you drive for an employer or operate your own truck, an injury can affect earnings and create pressure around fixed commitments. We review your actual work and existing benefits before comparing options.

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Where your plan can be exposed

  • Owner-operators may have no employer sick pay or group plan.
  • Financing, household bills and operating costs do not pause automatically.
  • Driving duties and occupation class can affect underwriting and policy terms.

A clear, three-step review

  1. 01

    Separate personal expenses from business operating costs and identify existing coverage.

  2. 02

    Review the duties you actually perform, waiting periods and claim definitions.

  3. 03

    Compare available options across Canadian carriers and explain the limitations.

Coverage areas to explore

Income & Living Benefits

Critical illness, disability, hospitalization and life protection built around the income your household or business depends on.

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Group Benefits & Business Protection

Group benefits, HSA/WSA, overhead protection and ownership continuity for solo corporations, employers, startups and established businesses.

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Newcomer & Everyday Coverage

Plain-language guidance on travel, health and dental coverage, including options for newcomers and people without a complete workplace plan.

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Questions and answers

Do truck drivers have access to income protection?

Options depend on the insurer, your duties, income and application. Each carrier assesses occupations differently and approval is not guaranteed.

Is business overhead coverage the same as disability insurance?

No. Business overhead coverage addresses specified eligible business expenses under its contract; personal disability coverage addresses eligible income benefits.

Next step

See where your protection and planning gaps may be

Coverage is subject to underwriting, policy terms and carrier approval. General information only, not financial, tax or legal advice.

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General information only; not tax, legal or investment advice.