With storm-force winds and heavy precipitation forecast for Thursday, 28th January,
we advise that you secure your property and take all necessary precautions.
We encourage all boat owners to check on their vessels.
Please note our online Marine Quote and Buy service is suspended at this time
Call us on 295 5566/Option 4 for assistance.
For customer service and all business inquiries, call +1 441 295 5566  ◦  For website support or to set up an online account, call +1 441 298 0301

The application process for a one-time Pension refund per the Covid-19 Pension Act Amendment is NOW OPEN.  Click here to apply

Back to FAQs

How can I customise my policy to my business needs?

BF&M's business travel insurance is separated into four sections which can be purchased as a whole or individually, allowing your to customise your plan as needed.

  • Personal accident
    • Covers accidental death and permanent injury as a result of an accident happening while you are on the trip
    • Weekly disablement benefit for adults who are temporarily unable to work
    • Exclusions: scuba diving, snow skiing, and other similar high-risk activities
  • Medical and emergency expenses
    • Covers any incidentals that are not covered by the traveller’s regular medical insurance (such as prescriptions)
    • Emergency expenses could include the additional cost of transportation and accommodation incurred as a result of death of or injury to the insured person, or anyone travelling with them
  • Cancellation and curtailment
    • Covers lost deposits and non-refundable fees for transportation and accommodation if the trip is cancelled or cut short because of:
      • Death, injury, illness, or quarantine of the insured person
      • Death, injury, illness of a close family member, a travelling companion, or a business associate
      • Jury duty or military duty
      • Hijacking of the plane
  • Personal property
    • Covers loss, theft or damage to personal effects worn, taken, sent, registered, or as luggage in advance or acquired (subject to $1,000 limit for any one article)
    • Covers loss of cash, travelers cheques, letters of credit, or travel tickets (limited to $150 any one person)

More Property & Liability FAQs

Didn't find what you were looking for?

Call a BF&M representative for more information.