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 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.

More Property & Liability FAQs

Didn't find what you were looking for?

Call a BF&M representative for more information.