Launch Your All Other Personal Services Business in Fredericton
This page guides aspiring entrepreneurs through starting an All Other Personal Services business (NAICS 812990) in Fredericton. Get a clear, step-by-step overview of what you’ll need, from registrations to permits, startup costs, and a realistic timeline. It’s designed to be practical and encouraging, helping you move from idea to launch with confidence.
Eight essential requirements stand in the way of your first client—here’s what to expect. You’ll likely need business registration, a provincial/territorial license if required for your service, appropriate insurance, zoning or home-based operation checks, basic health and safety practices, tax IDs, signage rules, and any industry-specific permits. We also cover typical startup costs, expected timelines for approvals, and tips to speed up applications.
Fredericton is a welcoming hub for service businesses, with affordable living costs, local networking, and practical support from city partners and mentors. Starting here gives you a friendly market, easy access to clients, and a streamlined process designed for small ventures.
Requirements Overview
The most critical requirement for operating a personal services business in Fredericton is the Business Number (BN) Registration. This is a federal government registration you need to legally bill clients, file taxes, and handle payroll if you hire staff. You cannot operate without it; it is non-negotiable and serves as the foundation for every other registration and obligation.
Next, there are mandatory operational requirements that keep you compliant and safe. A valid Fredericton business licence is required to operate your shop or service legally in the city. If you have employees, you must have New Brunswick WorkSafeNB Employer Coverage to protect workers in case of injuries. These health, safety, and permit steps should be in place before you start serving clients and before you expand or hire.
On the registration and tax side, you’ll want to sort out your business name and corporate structure as needed. The New Brunswick Business Name Registration (SNB) is required if you’re trading under a name other than your own. Depending on your setup, you may also need Partnership Registration or NB Corporation Registration. In addition, GST/HST Registration and Payroll Deductions Registration are important if your revenue crosses thresholds or you have employees. These numbers work together with your BN to keep accounting and taxes organized.
Next steps: gather documents, decide your business structure, and file the BN, SNB (if using a trade name), the necessary partnerships or corporate registrations, and the appropriate tax registrations. Then apply for your municipal licence and WorkSafeNB coverage. If you’re unsure, consider a quick chat with a local accountant or business advisor to map out the exact steps and timelines. You’re off to a strong start—take the first step today and keep the momentum going.
Detailed Requirements
Here are the specific requirements for starting a all other personal services in Fredericton:
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Business Number (BN) Registration RequiredA 9-digit Business Number is required for most businesses operating in Canada. It is used to interact with the Canada Revenue Agency and other federal programs. Required for GST/HST, payroll, corporation income tax, and import/export accounts. Register FREE online through Business Registration Online (BRO) at canada.ca. Takes 15-30 minutes. As of November 3, 2025, online registration is MANDATORY for new BNs - phone registration no longer available. You'll need: business name, address, owner SIN, business type, and start date. BN (9-digit number) issued INSTANTLY online. Available 21 hours/day, 7 days/week (closed 3-6am ET for maintenance).
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Business Licence RequiredGeneral business licence required to operate a business in City of Fredericton. Apply to City of Fredericton for Business Licence: 1. Determine business category 2. Complete business licence application 3. Submit required documents (ID, lease, zoning confirmation) 4. Pay application and annual fees 5. Await approval and receive licence Contact City of Fredericton Business Licensing for specific requirements. Home-based businesses may have different requirements. Annual renewal required.
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New Brunswick Business Name Registration (SNB) RequiredBusinesses in New Brunswick must register their business name with Service New Brunswick if operating under a name other than the owner's legal name. This applies to sole proprietorships, partnerships, and trade names. Registration provides legal recognition and is required for business operations and licensing. Registration can be completed online through SNB Online. Business name registrations for sole proprietorships and partnerships must be renewed every 5 years. To register a business name in New Brunswick: 1. Conduct name search ($13.80) 2. Complete registration through SNB Online 3. Pay $112 registration fee (includes Royal Gazette) 4. Receive certificate of business name 5. Renew every 5 years ($62) 6. Report any changes as required
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Partnership Registration ConditionalRequired for partnerships. Registration of partnerships. Register through Province of New Brunswick Corporate Registry or business services: 1. Conduct name search if applicable 2. Complete registration application 3. Submit required documents 4. Pay registration fees Contact Province of New Brunswick government services for specific requirements and fees. Annual reporting may be required.
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NB Corporation Registration ConditionalRequired if incorporating in New Brunswick. Incorporation under NB law. Register through Province of New Brunswick Corporate Registry or business services: 1. Conduct name search if applicable 2. Complete registration application 3. Submit required documents 4. Pay registration fees Contact Province of New Brunswick government services for specific requirements and fees. Annual reporting may be required.
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GST/HST Registration ConditionalRequired if annual taxable revenue exceeds $30,000 (small supplier threshold). Taxi/ride-share drivers must register regardless of revenue. Businesses with gross revenues over $30,000 in any single quarter or over four consecutive quarters must register for, collect, and remit GST/HST. Small suppliers (under $30,000) may register voluntarily. Register FREE online through Business Registration Online (BRO) when your revenue exceeds $30,000 in any 4 consecutive quarters (small supplier threshold). Takes 15-30 minutes. You MUST register within 29 days of exceeding threshold and start charging GST/HST immediately on the sale that made you exceed it. Need your BN (or get one simultaneously). As of Nov 3, 2025, online registration is mandatory. Voluntary registration available anytime for input tax credits.
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Payroll Deductions Registration ConditionalRequired if you pay salaries, wages, or other remuneration to employees. Must register before first pay period. Required if you have employees. You must withhold Canada Pension Plan (CPP), Employment Insurance (EI), and income tax from employee wages and remit to CRA. Register FREE online through Business Registration Online (BRO) when you hire your first employee. Takes 15-20 minutes. You'll need your Business Number (BN) or can get one simultaneously. Payroll account (RP) added to your BN instantly. Register BEFORE your first pay date. Required to deduct CPP, EI, and income tax from employee wages. For 2025: CPP rate 5.95%, EI employee rate $1.66/$100 insurable earnings.
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New Brunswick WorkSafeNB Employer Coverage ConditionalRequired if you have employees in New Brunswick. Employers in New Brunswick must register with WorkSafeNB (Workplace Health, Safety and Compensation Commission) and maintain coverage for workers. WorkSafeNB provides insurance coverage for workplace injuries and occupational diseases. Most employers are required to register, with limited exceptions. Registration must occur within 10 days of commencing business operations or hiring the first worker. Employers pay assessments based on their classification unit rate and assessable payroll. To register with WorkSafeNB: 1. Determine if you're in a mandatory industry with 3+ workers 2. Register with WorkSafeNB online or by phone 3. Report assessable payroll annually 4. Pay premiums based on industry rate ($1.18/100 avg 2024) 5. Maintain coverage and report workplace injuries 6. Experience rating affects rate (+80% to -40%)
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