In light of the stay-at-home order from the Bermuda Government, BF&M’s Bermuda offices are closed to walk-in customers until further notice.

Please note that physical dropbox collections are also discontinued until further notice.

We remain open for business online and by phone.

  • For customer service and for all business enquiries, call +1 441 295 5566.
  • For website support or to set up an online account, call +1 441 298 0301.

Back to FAQs

If the sub-contractors already have liability insurance, do I need to take out a Contractors' All Risk policy?

You should check with the sub-contractor to determine what their policy covers.

Their limits of liability may not only be lower than what you would or should normally have, but they may also be restricted to cover them alone, excluding all other parties. In order to ensure that there are no gaps in coverage, and that your business (as contractor) or property (as property owner) is fully protected, it is important to have your own liability insurance.

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