We're operating with your safety in mind. 
Business Hours: Monday – Friday, 8:00am to 5:00pm
We encourage you to reach us by phone or online.
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

What businesses are legally required to have Workers' Compensation insurance in Bermuda?

Legally, all businesses based in Bermuda (outside of the Naval Military, Air Forces, persons in the civil employment of the government and persons in the employment of the Government of the United States Forces) are liable in the event of a workplace accident as based on the Workers' Compensation Act of 1965. While no business is obligated to have workers compensation insurance, any business without coverage is open to legal repercussion if an employee is injured while at work.

In our opinion, every business should have workers compensation insurance as all business carry some risk of injury. Different businesses though will require varying degrees of coverage, based on the potential for accidents in the workplace. And because we offer customized plans to your needs, we work with you to ensure your business is appropriately covered.

More Property & Liability FAQs

Didn't find what you were looking for?

Call a BF&M representative for more information.