ANNOUNCEMENT: BF&M and Argus announce plans to combine
To read more about how we’re planning to move forward together, click here.

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 and Island Heritage 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.
Map of BF&M Operational Region  
Superior coverage and customer service, and long-lasting relationships are BF&M hallmarks. Our financial track record and market-leading, independent AM 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, and Halifax, Canada.
BF&M offers residential and commercial property, casualty, motor, marine and travel insurance products, as well as health and life plans, pension administration and investment services. With an A (Excellent) rating from AM Best and well over 100 years in business, BF&M has a track record of strong financial performance and outstanding customer service.
This is the cornerstone of our success.


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 AM 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)

Our purpose

We provide trusted insurance, retirement and benefit solutions for our customers, bringing them peace of mind. We do our part to help our communities thrive.

Our mission

We lead our markets in Bermuda and the Caribbean through efficient, seamless service. We satisfy all stakeholders by keeping our promise to pay. We act transparently, with compassion and respect. We recognise our customer’s business needs to be earned.

Building stronger communities

Charitable giving is core to our culture. We care immensely about the well-being and success of the communities in which we operate.

Learn more about our charitable giving

Working today, to protect tomorrow

At BF&M, we are at the start of our ESG journey. We’re committed to being a sustainable, socially and environmentally conscious operation.

Read more about our efforts in our latest Annual Report