Launch Your Tile and Terrazzo Contractor Business in Moncton
This page is your practical starter guide to launching a tile and terrazzo contractor business in Moncton, aligned with NAICS 238340. It walks you through the 8 essential startup requirements you’ll tackle to operate legally and confidently—from business registration and naming to insurance, bonding, and the right equipment. You’ll also get a straightforward look at permits, licensing steps, and what it takes to stay compliant as you grow.
You’ll learn a clear requirements overview (the 8 steps), the permits and approvals likely needed (municipal building permits, trades registration, occupational permits), plus how much it typically costs to start (licensing, insurance, bonding, tools, vehicles, and marketing) and a realistic timeline from setup to your first project. We map out timelines and key milestones so you can plan without guessing.
Moncton is a smart fit for tile and terrazzo work, with a growing mix of residential renovations and commercial fit-outs. The city’s supportive business climate, strong trades network, and easy access to Atlantic Canada help you build a reliable client base while expanding your services across the region.
Requirements Overview
The most critical requirement for operating a tile and terrazzo contracting business in Moncton is a Business Licence. This is a non‑negotiable, city-level license you must have before you start any work in Moncton. Without it, you can’t legally operate, bid on jobs, or run crews in the city. Think of the licence as the essential permission slip that unlocks everything else you’ll do as a contractor.
Mandatory Operational Requirements: Health, Safety and Permits. If you have employees, New Brunswick WorkSafeNB Employer Coverage is required to protect your team and keep you compliant with provincial safety rules. You’ll also want to maintain proper safety practices, training, and records on every job site. In addition, you should stay on top of any local permits or inspections that may apply to the specific projects you take on, beyond the general business licence.
Business Registration & Tax. You’ll need a Canada Revenue Agency Business Number (BN) for tax and payroll activities, and you’ll likely register the New Brunswick business name (SNB) unless you operate under your personal name. If you form a partnership or NB corporation, you’ll complete the corresponding registration for that entity. For GST/HST, register with the CRA if your taxable revenues meet or exceed the threshold (or voluntarily if you prefer). If you hire employees, you’ll also handle Payroll Deductions registration.
Next steps and encouragement: start with obtaining your Moncton Business Licence, then set up your BN with the CRA, register your NB business name, and decide your business structure (sole proprietor, partnership, or NB corporation). Review GST/HST and payroll needs, and arrange WorkSafeNB coverage as soon as you plan to hire. If you’d like, I can map out a quick checklist with links to the exact forms and local offices to make this even easier. You’ve got this—taking these steps will set you up for compliant, steady growth.
Detailed Requirements
Here are the specific requirements for starting a tile and terrazzo contractors 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%)
Funding & Grants
Available funding programs that may apply to your tile and terrazzo contractors:
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The ATTC provides qualifying Ontario employers with a refundable tax credit equal to 25% of eligible expenditures (30% for small businesses) incurred during the first 36 months of a qualifying apprenticeship, up to a maximum of $5,000 per qualifying apprentice per year. The credit applies only to apprenticeship programs that …
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The Labour Mobility Deduction (LMD), enacted via Bill C-241, provides tradespeople and indentured apprentices in construction with a personal income tax deduction of up to $4,000 per year for eligible temporary relocation expenses. The worker must temporarily relocate more than 150 km from their ordinary residence within Canada for at …
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$50M two-year initiative (2024–2026) delivered by Canada's regional development agencies. Provides repayable contributions to businesses and non-repayable to non-profits and governments, covering up to 50% of eligible costs. Projects from $200K to $5M. Applicants must have been in business at least 2 years.
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A $595 million program (Budget 2021) plus $90 million additional (Budget 2024, for housing trades). Since its launch in 2022, the program has funded 11,459 employers to create 17,208 apprenticeship placements. Provides $5,000 per first-year apprentice hired in one of 39 eligible Red Seal designated trades. An additional $5,000 is …
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