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Commercial Insurance
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Personal Insurance
Commercial Insurance
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Commercial Insurance
Getting started
Why does my business need Commercial Insurance?
How do I protect my business in the event of a disaster (e.g. fire or hurricane)?
Will Commercial Insurance help me if I get sued?
What is my claims contribution (deductible/co-pay/excess/etc.)?
In the event of a claim, what happens if the replacement values for my property are incorrect (too high, too low)?
Property Insurance
I run my business from my home. Do I need separate insurance or am I covered by my home insurance?
What falls under the definition of property?
What is covered by Commercial Property Insurance?
I have a laptop and cell phone that I use for business purposes. Can these be covered under this policy?
How do I know how much to insure my commercial building and assets for?
Do I qualify for a discount if I have installed fire and security alarm systems?
Contractors Insurance
What is the standard coverage under BF&M's Contractors' All Risk insurance policy?
Why is Contractors' All Risk Insurance necessary?
Who is covered by a Contractors' All Risk Insurance policy?
How can I customise my policy to my needs?
Do I need Contractors' All Risk insurance if I already have Property or Liability Coverage?
If the sub-contractors already have liability insurance, do I need to take out a Contractors' All Risk policy?
Liability Insurance
What commercial liability products does BF&M offer?
What happens if a member of the public or an employee is injured on my business premises?
Public Liability insurance vs. Professional Indemnity insurance: What's the difference?
If I submit a claim under my Public Liability Insurance policy, is a deductible/co-pay/excess applicable?
Will my policy automatically cover my new business locations or activities?
Travel Insurance
What happens if an employee is sick or hurt while traveling for business purposes?
How can I customise my policy to my business needs?
Does the policy cover expenses relate to lost luggage?
Are weather delays covered?
Motor Insurance
What is Commercial Motor Insurance?
What Commercial Motor Insurance options do you offer?
What is covered under my Commercial Motor Insurance policy?
What is third party Liability Insurance?
What happens if my business doesn’t have Motor Insurance?
I’m self-employed and use my personal car for business travel/deliveries. Do I need separate insurance?
Marine Insurance
What is Commercial Marine Insurance?
What Commercial Marine Insurance options do you offer?
Can I purchase Commercial Marine Insurance online through BF&M’s website?
What type of damage are my business vessels covered for?
Which vessels require a survey?
Workers Comp
What is Workers' Compensation and common law liability?
What types of accidents are covered by Workers' Compensation insurance?
What happens if my business doesn’t have Workers' Compensation Insurance?
What Workers' Compensation Insurance options does BF&M offer?
What businesses are legally required to have Workers' Compensation insurance in Bermuda?
Didn't find what you were looking for?
Call a BF&M representative for more information.
+1-441-295-5566