In response to COVID-19, all BF&M offices are currently closed to walk-in customers.  We do, however, remain open for business online and by phone.
For customer service and all business enquiries, call +1 441 295 5566  ◦  For website support or to set up an online account, call +1 441 298 0301

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What happens if my business doesn’t have Workers' Compensation Insurance?

If your business does not have workers' compensation insurance, you may be fully liable in the event of an accident in your workplace. This would include covering all medical costs as well as salary replacement while the employee is recovering. You may also be vulnerable to a lawsuit if it is found that negligence in the workplace was a causing factor of the injury, in which you would also need to cover the full legal costs.

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