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Company overview

BF&M Limited (“BF&M”, “BF&M Group” or “the Company”) is a publicly traded holding company, listed on the Bermuda Stock Exchange. Headquartered in Bermuda, we conduct business through the BF&M, Island Heritage, and Insurance Corporation of Barbados trading names. We have a proud legacy, having started our business in Bermuda in 1903. Throughout our Group of companies, we take great pride in helping communities protect what matters most. Operating in Bermuda and the Caribbean region, we provide insurance and investment solutions to individuals and businesses of all sizes.

Superior coverage and customer service, and long-lasting relationships are BF&M hallmarks. Our financial track record and market-leading, independent A.M. Best financial strength ratings make BF&M the premier insurance provider across the 15 jurisdictions where we do business. Our offices are located in Bermuda, Cayman, Barbados, Bahamas and Halifax, Canada.

BF&M's offerings include residential and commercial property, casualty and group and individual health and life plans. In addition, the Company offers pension administration and investment advisory services. By providing a broad range of the insurance and investment products and services required by residents and businesses in the jurisdictions where we conduct business, as well as financial strength, we strive to bring peace of mind to our clients.

This is the cornerstone of our success.


Our mission

To strengthen and further develop our position as the leading insurer in the jurisdictions where we do business, through a professional, innovative and caring approach to meeting all of the insurance needs of the communities we serve.

Through the excellence of our service, we intend to satisfy the aspirations of our staff, the needs of our policyholders, and the requirements of our shareholders.


Financial strength

BF&M's financial strength ratings are the strongest for any insurance group offering domestic insurance in Bermuda and the Caribbean. The BF&M Group have the following A.M. Best ratings:


BF&M General Insurance Company Limited: A (Excellent)


BF&M Life Insurance Company Limited: A (Excellent)


Island Heritage Insurance Company Ltd.: A (Excellent)


Insurance Corporation of Barbados Limited: A- (Excellent)


In the community

Charitable giving has always been a pillar of BF&M culture.

We have a responsibility to make a difference in our communities and champion causes large and small. We promote a culture of giving and, as a result, our employees themselves are advocates for community causes, giving their time and resources.

We give our time, talents, and funds to support the communities where we have significant presence.

The BF&M Breast Cancer Awareness Walk in Bermuda, the Save our Youth Foundation in Cayman, and the Barbados Cancer Society are just three of many worthwhile events and organizations making a difference in our communities that we are proud to support.