New Brunswick Business Insurance in 2026
Commercial property, liability and professional coverage explained alongside WorkSafeNB employer-registration rules, contractor clearance and commercial auto regulation.
Seven New Brunswick business-insurance guides
Most employers need mandatory coverage once they reach three workers
WorkSafeNB says employers with three or more workers at any time during the year generally must register for mandatory workers' compensation coverage and must register within 15 days. Full-time, part-time, casual and certain non-registered contractors can count. The fishing industry has a separate 25-worker threshold.
WorkSafeNB Workers' Compensation Guide →Contractor clearance should be checked before settlement
WorkSafeNB provides clearance certificates to confirm an employer is in good standing. The principal can face workers' compensation assessment exposure for certain unregistered contractors, so clearance is a financial-control step, not just paperwork.
Contractor Clearance Guide →Home and tenant policies generally do not replace business insurance
FCNB specifically warns that ordinary home or tenant insurance generally does not pay claims related to a home-based business or business activity in the home. Business activity should be declared and appropriate commercial coverage arranged.
Home-Based Business Guide →Commercial property, public liability and E&O answer different questions
FCNB separates protection for business premises and inventory from third-party liability and professional mistakes. A useful insurance review maps each major loss scenario to the policy section intended to respond.
Commercial auto uses a separate regulatory class
New Brunswick's mandatory automobile coverage still applies to vehicles registered and driven in the province, while NBIB filing guidance recognizes commercial vehicle classes separately from private passenger vehicles. Do not apply a passenger-car rate approval to a commercial fleet.
Commercial Auto Guide →