BF&M is comprised of several companies with a heritage dating back over 100 years. They sell various life, property and casualty insurance products as well as offer pension administrative services. 

Via various subsidiaries, BF&M Limited has operations in 15 jurisdictions-Bermuda, Barbados, Cayman Islands, Bahamas, Anguilla, Antigua, British Virgin Islands, Dominica, Grenada, St. Kitts, St. Lucia, St. Maarten, St. Vincent, Turks & Caicos and US Virgin Islands. They also have an Information Technology office in Halifax, Canada. 

Lines of Business:
Property & Liability  Business Property and Liability Insurance - BF&M provides essential protection to ensure you get your business back in operation with minimal delays. Coverage is provided for: 
• Buildings 
• Stock and property held in trust 
• Computer equipment 
• General business contents, fixtures, fittings, plant and machinery 
• Specific property, such as tenant's improvements or specialist equipment for your business 
• Perils covered include fire and lightning; windstorm, hurricane and tornados; burglary; flood; explosion, and many other covers 

Construction All Risk Insurance - BF&M is an ideal partner to ensure any size construction project is properly protected. Coverage includes: 
• Accidental loss, damage or destruction to the contract works 
• Legal liability to third parties 
• Joint protection for the Contractor and the Developer/Owner 
• Perils covered include fire and lightning; windstorm, hurricane and tornado; burglary; flood; explosion, etc. 

Business Interruption Insurance - Loss or damage to your business property can be highly disruptive to your daily operation, leading to loss of income and potential extra expenses. BF&Ms Business Interruption coverage pays for the reduction in your gross profit as a direct result of the loss and will pay costs incurred for efforts to get your business back in operation. 
  
Employee Benefits  Group Health Insurance - BF&M's Health Insurance Plans provide unique health coverage and a wide variety of options to give employees freedom of choice while controlling costs. Companies can also work with BF&M to develop an employee based wellness program tailored to your needs. 
  
Pension Plans - BF&M offers businesses a wide variety of pension option and professional investment advice to help employees achieve a financially secure future. 
  
Workers'Compensation  Workers' Compensation - In Bermuda, all employees are eligible to receive compensation for an occupational accident.