How to Start All Other Personal Services in Moncton
This page helps you plan and launch an All Other Personal Services business (NAICS 812990) in Moncton. You’ll find a practical, step-by-step overview of the eight requirements you’ll likely encounter, plus what permits, licenses, and registrations you’ll need to get up and running. We also outline typical startup costs and a realistic timeline so you can plan with confidence. You'll also see a clear checklist you can download, so nothing gets missed.
What you’ll learn here: a clear view of the eight requirements, where they come from (municipal, provincial, and federal), the typical permits and licenses you may need (such as a municipal business license and any occupancy permits), and the costs you can expect—from registration fees to insurance quotes and ongoing renewals. We map out a practical startup timeline—from name registration and zoning checks to insurance, banking, and opening. You’ll get tips to speed things up, avoid common delays, and keep paperwork organized, with templates for a simple plan and kickoff checklist.
Moncton’s growing, connected community makes it a solid fit for service-focused ventures. With a steady client base, supportive local resources, and a central Atlantic Canada location, you can launch efficiently and start serving clients quickly.
Requirements Overview
The most critical requirement for operating a business in Moncton is the Business Licence. This license is a legal must for any personal services business, and you cannot legally operate without it. If you proceed without it, you risk fines, orders to stop, or other penalties. Start by checking with the City of Moncton to determine the right licence for a personal services operation and plan to keep it current with renewals.
Next come the mandatory operational requirements that cover health, safety, and general permits. If you have employees, you’ll need New Brunswick WorkSafeNB employer coverage to protect workers. Maintain a clean, safe workspace and follow good hygiene practices appropriate for personal services. Depending on your exact activities, there may be additional local or provincial safety guidelines or inspections to meet, so verify what applies to your setup.
Then you’ll handle business registration and tax numbers. If you operate under a trade name, you’ll need New Brunswick Business Name (SNB) registration. If you’re forming a partnership or corporation, arrange the corresponding NB Corporation or Partnership registrations. You’ll also obtain a Business Number (BN) to interact with federal and provincial programs, and consider GST/HST registration if your sales exceed the threshold or you choose to register voluntarily. If you hire staff, you’ll also set up Payroll Deductions.
You’re off to a great start by outlining these basics. Take it step by step: secure the licence first, then register your business name or company, obtain the BN, and line up GST/HST and payroll if needed. If you’d like, I can tailor a simple, city-specific checklist for Moncton based on the exact services you’ll offer and whether you’ll have employees. You’ve got this—steady, practical progress will get you up and running smoothly.
Detailed Requirements
Here are the specific requirements for starting a all other personal services in Moncton:
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Business Licence RequiredGeneral business licence required to operate a business in City of Moncton. Apply to City of Moncton 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 Moncton Business Licensing for specific requirements. Home-based businesses may have different requirements. Annual renewal required.
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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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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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