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Application for WorkSafeNB Coverage
In New Brunswick, workers’ compensation is administered through a no-fault insurance system set up under the Workers’ Compensation Act. The system is designed to compensate injured workers and protect employers from being sued by workers who are injured on the job. A worker covered by workers’ compensation gives up the right to legal action against the employer in exchange for compensation and rehabilitation services provided by WorkSafeNB. The inability to sue relieves both employers and workers from the financial risks associated with workplace injuries and illnesses.
How Does Coverage Work?
More than 13,000 businesses in New Brunswick are covered by workers’ compensation insurance, a system that operates on the principle of collective liability for employers. Premiums paid by the entire employer population are pooled and then used to pay the present and future costs of claims, and all of WorkSafeNB’s prevention and administration functions.
WorkSafeNB offers a variety of different coverages outlined below:
Mandatory Coverage
Employers having three or more workers are required to register for coverage with WorkSafeNB. They may be full-time, part-time, casual workers or non-registered contractors, subcontractors or brokers. Exception: An employer in the fishing industry must register for mandatory coverage when 25 or more workers are employed.
Definition of a Worker
The Workers’ Compensation Act of New Brunswick states: "worker" means a person who has entered into or works under a contract of service or apprenticeship, written or oral, express or implied, whether by way of manual labour or otherwise, and includes:
a) a learner,
a.1) an emergency services worker within the meaning of any agreement made under the Emergency Measures Act between the Government of Canada and the Government of New Brunswick in which provision is made for compensation with respect to the injury or death of such workers,
b) a member of a municipal volunteer fire brigade, and
c) a person employed in a management capacity by the employer, including an executive officer of a corporation, where that executive officer is carried on the pay-roll.
Voluntary Coverage
When fewer than three workers are employed, voluntary coverage may be requested. Employers making such application must have at least one worker with a minimum of $3,000 in assessable earnings. Payment of the assessment must accompany the application. Exception: An employer with fewer than three workers working exclusively for one principal will not be granted voluntary coverage. The principal is responsible for all such subcontractors.
Personal Coverage
Once mandatory or voluntary coverage is established, personal coverage may be requested for (i) a non-salaried officer of a limited or incorporated company and (ii) a proprietor, partners and spouses of a proprietor or partner. The coverage requested may not be less than $12,000 or greater than the maximum annual assessable earnings (2016 - $61,800).
At any time during this online process, if you want to stop and save the information so that you can return later, click the "Continue Later" button at the bottom of the screen. Your information will be retained for 60 days.
WorkSafeNB requires the collection of your social insurance number for Personal Coverage purposes. To meet its retention requirements, Service New Brunswick will not keep social insurance numbers to be made available should you wish to continue this process later. If you choose to continue later, you will have to re-enter this information. For further information on how SNB protects your information, click on the Privacy and Security link at the bottom of this page.
Note: Using the back button on your browser may cause navigation problems and some information may need to be re-entered. Where available use the 'Previous' button.
For questions about WorkSafeNB’s Coverage, please contact the Assessment Services Department at 632-2820 or toll-free at 1 800 222-9775 or WorkSafeNB Information For Employers.

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