Commercial Auto Insurance in New Brunswick
Vehicles registered and driven in New Brunswick require the province's mandatory automobile coverage. The New Brunswick Insurance Board filing framework separately recognizes commercial vehicle classes, so a business should not assume a personal-passenger rating rule or premium applies to a commercial vehicle or fleet.
What to know
Confirm the current contract, regulator guidance and WorkSafeNB status before applying this point to a specific business.
Confirm the current contract, regulator guidance and WorkSafeNB status before applying this point to a specific business.
Confirm the current contract, regulator guidance and WorkSafeNB status before applying this point to a specific business.
Confirm the current contract, regulator guidance and WorkSafeNB status before applying this point to a specific business.
Business use should be declared
Delivery, service calls, hauling, passenger transport and employee driving can materially change the insured exposure. The vehicle should be classified according to its actual use.
Do not reuse private-passenger rate approvals
NBIB publishes and reviews filings by vehicle class. A private-passenger approval should not be presented as evidence of the rate change for a commercial vehicle or fleet.
Non-owned vehicles can matter too
A business can face auto liability even when employees use personal or rented vehicles for work. Ask whether non-owned automobile exposure needs separate protection.
Verify the current New Brunswick requirement
Workers' compensation rules, insurance licensing and commercial policy wording can change. Use the primary source below before making a business decision.
New Brunswick Insurance Board — Filing guidance →