Do I Need Insurance for DoorDash in New Brunswick?
Yes. Keep your own valid auto insurance and disclose paid DoorDash delivery to the insurer. Confirm the actual policy’s delivery terms, car-damage cover and injury coordination. The passenger-TNC policy does not establish DoorDash coverage, and WorkSafeNB status and any compensation election require their own review.
Before You Deliver in New Brunswick
Keep Your Own Policy and Disclose Paid Delivery
Yes. A DoorDash courier driving a car in New Brunswick needs their own valid automobile insurance and an insurer’s answer about paid food-delivery use. FCNB describes mandatory third-party liability, direct-compensation property damage, accident benefits and uninsured/unidentified automobile protection. The ordinary minimum liability limit is $200,000; a minimum is not a recommendation that this amount is sufficient for every operation. DoorDash’s Canadian agreement independently requires the courier to maintain the required insurance. Before the first shift, tell the insurer or agent which vehicle and drivers will deliver, every app involved, expected distances, operating territory and whether the vehicle is owned, borrowed or rented. Obtain the applicable policy and any endorsement confirming the insurer’s response. An app accepting an insurance card does not resolve permitted use, an exclusion or an inaccurate application. 1,2,3,28
The Written Material-change Condition Matters
Section 230 of the Insurance Act includes a statutory condition requiring prompt written notification of a material change in risk known to the named insured. Section 229 separately addresses prejudicial vehicle particulars, knowing misrepresentation or failure to disclose required application facts, contract breaches and false claims, with specific rules about application statements. Starting paid delivery is a reason to disclose the actual use and seek a contract-specific answer, rather than silently continue under a description of personal driving. This guide does not decide that every change is legally material or that any error automatically defeats every possible benefit. Keep the application, your written disclosure and the insurer’s response together. If an agent gives verbal reassurance, ask for the vehicle, delivery activity, applicable coverage and effective date to be confirmed in writing. 2,3
A Delivery Phrase Must Be Read in Its Own Clause
The standard owner’s policy linked by FCNB is explicitly a sample effective on and after December 18, 2018. Its general excluded-use provision lists activities including rental to another and carrying paying passengers unless an endorsement gives permission. Separately, particular Section B and general other-automobile provisions restrict commercial-delivery use of the other automobile described there. Those provisions should not be quoted as a blanket delivery exclusion applying to every owned, described vehicle. The opposite shortcut is equally unreliable: absence of a blanket phrase from that sample does not establish that your issued policy, application, rating classification and endorsements permit your work. Ask the insurer to identify the actual clause and its scope. This is especially important when someone says that all personal policies exclude delivery, or that delivery is automatically covered because it is not passenger rideshare. 3,2
Collect the Policy Wording as Well as the Pink Card
New Brunswick registration guidance requires insurance information for the particular vehicle being registered. The Registrar’s February 2023 approval also permits electronic pink cards with the customer’s consent; paper remains available on request, and the notice warns about device access and travel outside the province. These are proof-of-insurance arrangements, not amendments authorizing paid delivery. Keep a usable card and the full insurance documents available. The regulator’s September 2026 forms guideline explains that standard approved forms may be used and nonstandard owner-policy endorsements require approval, with their added or removed coverage and exclusions identified. It does not identify a universally available DoorDash endorsement. Ask for the actual form name, insurer, wording, coverage dates and delivery permission, rather than relying on a generic product label or a screenshot of proof. 5,6,4,3
DoorDash’s Canadian Contract and Insurance Summary
Keep the Required Insurance and Renewal Evidence Current
The Canada-English agreement’s body is marked Last Updated July 17, 2026. Section 10.1 requires current insurance of the amounts and types legally required for the contracted services, at the courier’s expense, and treats failure to maintain satisfactory cover as a material breach and potential termination ground. It expressly leaves workers’ compensation to section 10.3. Section 10.2 requires certificates on request, updated certificates when cover is purchased, renewed or changed, and at least thirty days’ written notice before cancellation of a required policy. Compare this posted agreement with the version you accepted and later addenda. Keep the vehicle policy and app evidence current before the next shift. DoorDash’s Canadian auto summary independently says you must maintain primary auto insurance; an excess program does not replace it. The workplace provisions need their own provincial reading below. 28,29
Canadian Excess Liability Has Important Conditions
DoorDash’s international section, expressly including Canada, describes excess third-party auto liability during the defined Delivery Service period. It says consideration of cover requires that the Dasher be liable for another party’s injury or damage during that period and that a claim first be made under the Dasher’s own auto policy with a coverage-denial letter received. Treat this as the company’s published account of its Canadian excess program, subject to the actual policy. It does not establish first-dollar coverage for every claim, a particular provincial or territorial dollar limit, protection while merely waiting for an order, or payment for all activities with the app open. Preserve the order and app-status records needed to identify the period. Ask DoorDash or the insurer for the current applicable wording, insurer, limit, covered vehicles and reporting procedure. An excess-policy description does not replace the primary insurance and disclosure duties in the contractor agreement. 29,28
DoorDash’s Liability Summary Does Not Insure Repairs to Your Car
The Canadian section expressly says damage to the Dasher’s own vehicle is the driver’s responsibility and should be addressed with the auto insurer. Its third-party liability description concerns injuries and damage owed to someone else. The Canadian occupational accident program is also injury protection, not vehicle-damage insurance. If you cause a collision while delivering and your car needs repairs, neither summary establishes a platform-funded collision benefit for that car. Ask your insurer about permitted delivery use under the physical-damage protection available for delivery use in your province or territory. Also ask about the deductible, valuation and loss-of-use protection before relying on the car for income. A document showing substantial liability coverage may still leave you with an uninsured repair bill. This distinction applies even when an accident involves a customer’s order: the presence of goods in the car does not turn liability to other people into protection for your own vehicle. 29,30
Report App-Related Incidents Promptly and Cooperate
Section 10.4 of the posted agreement asks for notice to DoorDash or its carrier of an occurrence, dispute, incident or accident while logged in, or immediately before or after logging in or out, within forty-eight hours where practicable. It also requires cooperation with the insurer’s investigation of the event and surrounding moments. This contractual notice sits alongside your own insurer’s reporting requirements. Report accurately and promptly rather than waiting to find out who is ultimately responsible. Keep the incident time, order identifier, accepted and completed status, other active apps, vehicle details, photographs and the correspondence you receive. Do not manufacture a denial letter or describe a delivery as personal use to fit a hoped-for policy. A support ticket establishes that you contacted support; it is not itself a coverage decision or a waiver of the applicable insurance conditions. 28,29
Read the Canadian Workplace Provisions by Province
Section 10.3 says DoorDash maintains workers’ compensation insurance in Canada where, when and to the extent required by law. The Canada-specific section 24.1(b) expressly says DoorDash registers and pays premiums for contractors performing services in Manitoba, British Columbia or Saskatchewan and that those contractors are eligible to claim from the applicable provincial board. This is the company’s account of its arrangements, not a decision accepting a particular injury or resolving every statutory status question. For those provinces, ask how the registered coverage applies to your actual work. Elsewhere, do not infer either automatic enrolment or absence of a legal obligation from the three-province list. Use the local board’s rules and determination for your relationship and activity. 28
Passenger Rules and Other Cars
The Provincial Passenger-TNC Policy Is Not DoorDash Evidence
FCNB’s February 2021 notice approved N.B.P.F. No. 9 for transportation networks connecting drivers with paying passengers. It describes waiting for a passenger request, travelling to collect a passenger and carrying the passenger. The notice also discusses municipal insurance minimums, conditional Section C physical-damage coverage and N.B.E.F. No. 1-45 restricted passenger-TNC permission. Those details are useful because they show precisely why a passenger policy cannot be treated as a DoorDash food-delivery policy. A restaurant order is not a passenger request. Approval of a standard form is not proof that DoorDash purchased it, and the passenger periods do not establish DoorDash’s delivery periods or limits. Use the Canadian DoorDash contract and applicable fleet documents for the platform question, alongside the driver’s actual New Brunswick owner’s policy. 7,8,29
Disclose Passenger Work and Other Apps Separately
FCNB’s passenger guide tells a prospective TNC driver to discuss the activity with their insurer and obtain the platform’s insurance information; that information does not replace the driver’s own pink card. If you deliver food and also carry paying passengers, request an answer for both activities. Delivery permission alone does not amend the sample owner-policy passenger exclusion. Keep separate app-status and accepted-trip records when switching apps, because the delivery summary and passenger framework use different conditions. A policy obtained for one platform or a particular activity is not evidence that every other app, passenger trip or street-hailed ride is covered. This New Brunswick DoorDash article does not establish a local Uber or Lyft fleet arrangement, passenger licence or municipal requirement. Those operations require their own sourced review. 8,7,3,29
Borrowed and Rented Cars Need Their Own Answer
Borrowing a family car while yours is being repaired raises a different question from delivering in the vehicle actually described in your policy. The sample has distinct temporary-substitute and other-automobile definitions, ownership and regular-use restrictions, and commercial-delivery wording in particular other-automobile provisions. Do not assume a familiar phrase such as drive-other-car protection covers paid delivery in every borrowed vehicle. Obtain the owner’s consent and the applicable insurers’ written answers for that vehicle and activity. For a rental, review the rental agreement and any purchased or credit-card protection for business delivery and prohibited uses; this research has not examined a particular rental contract. The sample’s exclusion for renting your vehicle to another is also different from the question of a courier renting a vehicle to drive. Neither issue is resolved by selecting New Brunswick in a checker. 3,28
Car Damage, Liability and Delivered Goods
Direct Compensation Has Location and Insurer Conditions
Insurance Act section 254.1 provides the direct-compensation property-damage route when its conditions are met. The damage must arise from the use or operation of one or more other automobiles in New Brunswick, the damaged automobile must have the specified insurance, and at least one other involved automobile must have insurance from a New Brunswick-licensed insurer or an insurer that filed the required undertaking. Recovery from the insured’s own insurer depends on fault and the applicable contract. The regulator’s actual blank undertaking shows how a foreign-issued policy can be brought within that arrangement; the blank form is not proof that a particular insurer signed it. Preserve the other vehicle’s insurance information. A single-car collision, an incident outside New Brunswick and a collision with no qualifying other insured automobile cannot simply be assumed to satisfy this particular route. 2,3,10
Pickup and Parking-lot Collisions Still Need Fault Evidence
The Fault Determination Regulation supplies rules rather than letting a driver’s delivery purpose determine fault. Its general provisions distinguish prescribed rules from situations requiring ordinary law; its parking-lot and reversing provisions can be relevant at a restaurant pickup or customer stop. Keep photographs of the lanes, parking spaces, signs, vehicle positions and the sequence of movements. The driver who says they were only stopping briefly to collect an order has not established the other driver’s responsibility. This guide has not interpreted the regulation’s diagrams or assigned a percentage to an actual collision. Ask the insurer which textual rule it applied and how it understood the evidence. Section 254.1 also provides a route to challenge fault or a proposed settlement through an action against the insurer, subject to the applicable procedure and time limits. 9,2,3
Collision, Comprehensive and Loss of Use Remain Separate
FCNB distinguishes mandatory liability and direct compensation from collision/upset and comprehensive protection. Your liability limit does not promise repairs to your own car after an at-fault collision, and direct compensation does not cover every loss scenario. Check the actual Section C choices, deductible, insured delivery use and vehicle valuation. If the car is financed or leased, establish what the financing agreement separately requires; this article has not reviewed that private agreement. Ask about replacement transportation or loss of use while the car is repaired and whether any replacement vehicle may be used for paid delivery. A rental payment benefit is not permission from the rental company or insurer to dash in that vehicle. DoorDash’s own-car disclaimer makes this practical: an unavailable car can mean both a repair bill and interrupted earnings, which require different coverages. 1,3,29
Orders and Personal Belongings Have Different Wording
The sample’s Section A liability exclusions address specified property carried in or on the automobile and property in the insured’s care, custody or control. Section A.1’s direct-compensation wording also qualifies contents by excluding contents carried for reward from its stated promise. Paid delivery goods should therefore not be assumed covered merely because an auto policy covers damage to the car. A spilled order, damaged groceries, a stolen personal phone and liability for another road user’s vehicle are distinct losses. FCNB also cautions that ordinary auto protection generally does not cover personal possessions stolen from the vehicle. Ask which contract, if any, addresses goods entrusted to you and any business equipment. The reviewed public DoorDash auto summary does not establish a general cargo or business-property policy for a New Brunswick courier. 3,1,29
Injury Benefits and DoorDash’s Private Program
Read the Workers’ Compensation Qualification in Section B
FCNB describes accident benefits as the vehicle policy’s injury protections, including medical and rehabilitation, funeral/death and income benefits, subject to the operative policy. The retained sample’s Section B contains an important exclusion: it addresses a person entitled to workers’ compensation benefits who has not exercised the option to recover damages under that law. That qualification matters in a work-related motor collision. Do not treat accident benefits, WorkSafeNB and DoorDash’s private program as three interchangeable payments to add together, or tell a courier to choose a route without reviewing status and election consequences. The sample is not the reader’s issued policy, and its historical dollar schedule is not used here as a universal current benefit quote. Notify the applicable organizations and obtain their explanation of the actual wording, statutory rights and other-insurance coordination. 3,1,11,17
DoorDash Describes a Canadian Program Starting March 2026
DoorDash’s Canadian occupational-accident page describes a free automatic program beginning March 1, 2026 for eligible Dashers where it operates, with an exception where provincial workers’ compensation arrangements apply, naming British Columbia, Saskatchewan and Manitoba as examples. New Brunswick is not named among those examples, but the description does not decide an individual’s WorkSafeNB status or displace applicable law. The company describes injury protection while online and available, while completing deliveries and briefly after logging off. That injury-period description is broader than the public Canadian auto-liability summary’s defined Delivery Service period; it is not evidence of auto liability or vehicle repair protection while waiting. Obtain the actual applicable group policy through the identified Onsi interface and confirm eligibility, the incident date and the activity. The authenticated policy was not available in this public-source review. 30,29,11
Published Private Benefit Figures Are Conditional Summaries
The Canadian occupational page describes income replacement at 85% of average weekly earnings, with a stated $500 weekly maximum and $125 minimum for little or no earnings history, up to one year and a seven-day waiting period. It also describes up to $100,000 for uncovered medical expenses after a $50 deductible. These are company-reported summary terms, not a personalized entitlement or proof that all accidents receive those amounts. The same page expressly makes the program secondary to motor insurance, subject to eligibility and the group policy, and says the insurer or administrator decides claims. It excludes property damage. Ask how other benefits, actual earnings evidence, waiting periods and exclusions apply before depending on it for living costs. The occupational FAQ at an en-ca address contains U.S.-only language; its URL locale does not authorize importing a U.S. benefit schedule into New Brunswick. 30,31,3
WorkSafeNB Status and Coverage Start Date
The Platform’s Contractor Label Does Not Settle Status
WorkSafeNB applies the Workers’ Compensation Act and its registration rules to the real relationship. A platform contract describing an independent contractor does not by itself decide who is a worker, whether a principal has responsibilities or whether optional personal coverage is appropriate. Regulation 82-79 generally excludes an industry unless at least three workers are usually employed at the same time throughout its operations in the year; WorkSafeNB’s policy explains predictable employment patterns and counts relevant part-time, casual and nonregistered contracted work. Its separate fishing exception is not an ordinary food-delivery rule. Ask WorkSafeNB to assess your actual operation, principal relationships, hired workers and corporate role. This article does not claim that every New Brunswick Dasher is automatically registered, that all are excluded, or that a named platform has a particular active account. 11,12,13,14,28
Hiring Others and Working for One Principal Change the Questions
Where mandatory registration applies, WorkSafeNB’s registration policy requires registration within fifteen days of workers starting employment and addresses retroactive assessments and claim-cost consequences for failure to register. A solo courier should not translate that into a universal fifteen-day grace period with automatic personal protection. The account guidance distinguishes eligible voluntary coverage from a small contractor working exclusively for one principal, where it describes the principal’s responsibility. Personal-coverage eligibility for a self-employed individual also refers to two or more work contracts. Merely having two apps installed does not prove the necessary contracts, employment classification or accepted account. Give WorkSafeNB the actual agreements and work pattern. If you hire a substitute or operate through a company, obtain an updated status and registration answer rather than assuming your original individual arrangement covers everyone. 13,14,11,12
An Application Alone Does Not Start Optional Coverage
The registration policy says optional voluntary or personal protection becomes effective when WorkSafeNB receives full payment and approves the application. The actual 2026 personal-coverage form specifies the later of the approval date and requested start date, and says employer mandatory/voluntary eligibility must first be met. These are substantive conditions: submitting a form, requesting yesterday’s date or planning to pay later does not establish coverage for a prior injury. The form also says incorrect or incomplete applications will be returned without coverage taking effect. Obtain the approval, payment confirmation, insured person, operation and effective period in writing. Its annual renewal arrangements should be checked when your status or wages change. This is New Brunswick’s reviewed process; the checker does not substitute another province’s next-day commencement rule. 13,15,14
An Open App Is Evidence, Not a Work-injury Decision
WorkSafeNB’s Conditions for Entitlement policy examines time, place and activity, with the statutory presumptions and the evidence considered together. Travel required for the job, an assigned pickup, a customer drop-off and a personal errand raise different questions. Preserve the order record, timing, route, messages, the reason for a stop and any personal deviation. A collision on the way to a delivery and a fall while carrying the order may require different evidence from an injury during unrelated shopping after you log off. Being online is relevant information, but it does not alone satisfy the employment tests or establish DoorDash’s private-program eligibility. Medical evidence must also connect the injury and resulting limitations. Let WorkSafeNB decide the actual work connection under its policy rather than treating the platform’s insurance-period label as a statutory determination. 16,11,30
Income Evidence and the Compensation Election
The Courier Labour Percentage Is Not the Benefit Rate
WorkSafeNB’s Average Earnings policy, effective June 6, 2025, seeks an earnings period representative of the worker’s regular pattern. For covered workers earning through contracts, it describes gross contract value multiplied by the appropriate labour percentage, and its table includes a 40% courier-service entry. That entry is an input into the relevant contractor earnings determination, not a promise that every Dasher receives 40% of app receipts or loses 60% of a claim. WorkSafeNB selects the appropriate labour type and verifies the contract value. Joint contracts, wages paid to someone else and the individual’s share can matter. Keep tax records, app statements and evidence of expenses and other work. A screenshot of gross deposits does not establish the statutory average-net-earnings calculation, work incapacity or resulting weekly compensation. 18,19,11
Purchased Personal Coverage Does Not Guarantee That Income
The actual 2026 personal-coverage form lists a $12,000 annual minimum and $85,800 maximum, and says earnings loss uses the lesser of purchased coverage and actual earnings. The Average Earnings policy separately addresses actual earnings or net business income, effective coverage and the covered period. Buying the maximum therefore does not manufacture a matching income history. Assessable Earnings policy is principally about employer premiums and reporting, including the labour portion of contracts and specified allowances; an assessment figure is not itself the final benefit calculation. If you also have another job, disclose it: the average-earnings policy has concurrent-employment rules requiring covered accident employment and disability from the other work. Supply verifiable records for each source and ask which earnings WorkSafeNB accepted. Annual purchased limits must be rechecked for later coverage years. 15,18,19
A Motor Collision Can Create an Election With Consequences
Workers’ Compensation Act sections 10 and 11 establish the relevant third-party-action framework, including a motor-vehicle exception to specified immunity rules. WorkSafeNB’s Third Party Actions policy explains that a qualifying worker must elect between pursuing a legal action and claiming compensation with the right to sue transferred to WorkSafeNB. Section 10(3) ordinarily requires notice of that election within three months of the accident, subject to a longer period allowed by the Commission. The choice can affect benefits and recovery rights; it is not the same as choosing which insurer’s website is easier to use. Before accepting money, signing a settlement or making an election, obtain advice about the actual statutory and insurance consequences. Section 10(2) can treat collecting money from the potential defendant before suit as having brought an action. The checker does not make this election. 11,17,3
Coordinate Recoveries Instead of Assuming Duplicate Benefits
The Third Party Actions policy describes different consequences after an election. Choosing a lawsuit generally forfeits compensation entitlement, with a conditional difference-payment mechanism requiring WorkSafeNB’s prior written approval and the statutory conditions. Choosing compensation transfers the right to sue; WorkSafeNB may pursue recovery and account for claim costs and excess proceeds. Its decision not to sue can return the right subject to reimbursement and disclosure conditions while eligible benefits continue. These details defeat a simple statement that a courier can collect a complete private settlement and full compensation independently. They also explain why the owner-policy workers’ compensation exclusion and option-to-recover-damages wording need coordinated review. Report the same incident and other recoveries consistently to the applicable auto insurer, WorkSafeNB and private administrator. Injury coordination does not itself repair the car or establish coverage for the delivered goods. 17,11,3,30
Claims, Reviews and What the Checker Can Establish
Report the Incident Through Each Applicable Route
Seek appropriate care and preserve the incident evidence, then promptly notify the auto insurer and any applicable work-injury or platform administrator. WorkSafeNB’s worker-facing process distinguishes the worker’s application, employer information and health-care evidence; an employer’s report is not a substitute for ensuring the worker’s claim is filed. Its actual five-page application requests incident, work and earnings information and authorizations. DoorDash’s Canadian contract separately asks for incident notice within forty-eight hours where practicable, and the Canadian occupational page identifies Onsi for that private claim. Explain the same activities, timing and other claims accurately in each route. A support acknowledgement or submitted form does not mean benefits were approved. Ask for the claim reference, missing documents and written decision for each different coverage, including car damage and income loss. 21,22,20,28,30
Initial Filing, Employer Reporting and Election Are Different Clocks
Under Act section 16, the ordinary compensation application is due within one year after the accident; in a death case the stated period is six months after the accident. The Commission may extend that period if the delay is justified. The reporting policy separately requires the worker’s notice to the employer as soon as practicable and before voluntarily leaving that employment, with prejudice relevant to late notice. Employer compensation reporting generally has a three-working-day requirement for the specified medical-aid or earnings-loss accidents, while listed serious events require immediate occupational-health-and-safety reporting. None of these periods is the three-month third-party election or the later review deadline. File promptly and request advice or an extension where needed. This guide does not calculate a personal deadline from incomplete facts or imply that late claims are automatically accepted. 11,20,22,17
Ordinary Decision Review Generally Requires a Request Within 90 Days
The current Decision Review Office policy, effective May 26, 2026, calls for a written request generally within ninety days after the relevant decision, order or ruling. It identifies a fourteen-day exception for the specified administrative penalty and permits a request explaining why an extension should be granted; an extension is not automatic. Identify the actual decision, disputed issue, reasons and supporting facts. Both the current policy and the public DRO guide explain that the review step must ordinarily occur before an appeal to the Workers’ Compensation Appeals Tribunal. The governing Act’s section 19.11 supplies the legal framework. A service complaint, repeated letter or newly supplied medical record may not have the same procedural status as a reviewable decision. Keep the decision and its dates rather than assuming any contact restarts the review period. 23,24,25
The Ordinary WCAT Year Starts With Provided Written Reasons
For the ordinary compensation-review appeal described here, Act sections 21(1.1) and 21(1.3) measure the one-year period from the date the Commission provides the written reasons under section 19.11(6) to the person who requested review, subject to the Tribunal’s extension power on application. The actual WCAT notice requires receipt, not merely preparation, of an appeal within its stated period following written notification. The brochure’s shorthand of one year from the DRO decision date should be read with that more precise statutory trigger. Preserve the reasons and evidence of when they were provided, complete the grounds and attach the decision. Special statutory routes have different deadlines, and a further court appeal has its own requirements. This article neither files an appeal nor establishes that every decision has a full year remaining. 25,26,24,23
An Insurance Complaint Is Separate From a WorkSafeNB Appeal
For an auto insurer dispute, ask for the coverage decision, exact policy provisions and internal complaint route. FCNB’s complaint guidance directs an insurance customer through the company’s internal process before the relevant regulatory complaint. That route is different from WorkSafeNB’s DRO and WCAT. An insurer’s fault allocation or proposed direct-compensation settlement also has the specific statutory challenge route in Insurance Act section 254.1, and the owner-policy statutory conditions contain claim and action requirements. Do not assume that emailing a regulator, asking a broker to intervene or pursuing a platform support ticket suspends a limitation period. Preserve written positions and seek advice on the particular dispute and deadline. This guide does not treat a regulator’s receipt of a conduct complaint as an order that the insurer pay the claim. 27,2,3,23
Use the Checker to Identify Documents and Questions
For an ordinary owned New Brunswick delivery car, the checker draws the reviewed disclosure, policy-scope, damage and work-injury distinctions from this guide. It does not quote a premium, issue an endorsement, establish a platform fleet limit, approve WorkSafeNB status or select a third-party election. The reviewed local sources do not supply the Manitoba or British Columbia delivery-day allowance, so entering days or kilometres does not generate one for New Brunswick. Those inputs remain useful facts for the insurer’s application. Borrowed or rented vehicles, bikes, passenger work, commercial operations and cross-border work require their own documents and decisions. WorkSafeNB’s account guidance also addresses temporary work outside the province, which cannot be resolved merely by selecting where an accident happened. Take the resulting questions to the insurer or administrator with the actual vehicle, agreements and records. 3,14,2,28
Official platform rules, government legislation, regulators and insurer-issued documents support this checklist. Your actual policy, endorsements and operating location control. Platform service availability and local licensing are not confirmed by this guide.
Spot publishes this research and works in the insurance market. Source review is AI-assisted; no independent insurance-professional review is claimed. Editorial policy. Suggest a correction.
Sources
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