New Resident 2026

2026 The Bermuda Relocation Guide

STARTING YOUR LIFE IN BERMUDA Making Bermuda home

Pass me on for a greener Bermuda

Advice on Housing | Healthcare Cost of Living | Getting Around ⬤ Maps | Island Etiquette | Schools ⬤ Pets | And much more

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FROM THE PUBLISHER

WELCOME

We’re glad you’re here

This publication has been compiled to assist people who are weighing up the pros and cons of accepting a job in Bermuda as well as those who have just arrived here and need a crash course in how the island works. Whichever category you fall into, we suspect you have some concerns — and perhaps even a few fears. If so, relax!

Bermuda is warm, welcoming and one of the least stressful places in which to live and work.

It is sophisticated, with far more amenities than would be found in many similar sized communities in North America or Europe. It is also clean, efficiently run, comparatively crime free, and you are unlikely to encounter a better range of sporting and recreational activities in any other place on earth. In most

Contents New Resident 2026

From the Governor...........................................7 About the US Consul.....................................9 Vital Statistics.....................................................10 Island Essentials..............................................11 Prices.........................................................................15 Money Matters..................................................16 Immigration........................................................20 4

respects, life in Bermuda has much in common with that of an affluent town elsewhere but with distinct and appealing differences due to its geographical, cultural and social make-up. And Bermuda has its odd quirks, too. Some, like the two days a year when the island closes down for a cricket match and a party, you will love. Others, such as the 35 kph speed limit, you will learn to appreciate. Workwise, the island moves at the same pace as London and New York. Otherwise it would not have become one of the world’s most important offshore financial centers. There is one major difference though. You’ll have one of the shortest and most beautiful commutes in the world.

While most of us here have to work hard, we also know how to enjoy ourselves. You will find that Remote Working............................................ 22 Talking Points.....................................................23 Economy 101..................................................... 26 Meet New Residents.................................. 28 Island Etiquette............................................... 30 Hamilton Map....................................................32 Home Help...........................................................34 Real Estate............................................................37 Healthcare...........................................................40 School Report................................................... 44 Pets.............................................................................52 Transport............................................................... 56

Bermudians are happy to embrace you in their social circles. They are generally well educated, welltravelled and very entertaining company.

Although it is true that “ex-pats” are a recurring political issue, the debate is rarely about individuals, but rather about the general immigration policy. To set your mind at rest, the current Government appreciates that we need talent and skills from overseas; but balances this against the need to ensure Bermudians have a fair chance in the job market. Hardly unreasonable is it?

You’ll find most in the local community genuinely understand that ‘guest workers’ are very much a part of what keeps our economy moving forward.

Bermudians are proud of the success they have achieved on this obscure outcrop in the Atlantic.

However, they also appreciate that without help from overseas, we would not be where we are today – or where we want to be tomorrow.

Boating.................................................................... 58 Dining Guide......................................................60 Director of Marketing: Lissa Fisher Publisher: Ian Coles Art Director: Tim Parker Contributing Writer: Annabel Cooper Published by Bermuda Media PO Box HM 2032, Hamilton HM HX, Bermuda.

Tel: 441-292-7279.

Email: hello@bm.bm www.bermudamedia.bm New Resident 2026

YOUR HEALTH OUR PRIORITY EIGHT CONVENIENT LOCATIONS The Phoenix Centre 3 Reid Street, Hamilton HM 11 Tel: 295-0698 Fax: 295-2636

Collector’s Hill Apothecary 2 South Road, Smith’s FL 08 Tel: 279-5512 Fax: 236-9054

Woodbourne Chemist 1 Gorham Road, Pembroke HM 08 Tel: 295-1073 Fax: 292-0230

Paget Pharmacy Rural Hill Plaza, 130 South Road, Paget PG 06 Tel: 279-5510 Fax: 236-9057

Clarendon Pharmacy 31 Victoria Street, Hamilton HM 10 Tel: 295-9137 Fax: 292-2265

Warwick Pharmacy 49 Middle Road, Warwick WK 05 Tel: 279-5556 Fax: 236-8625

King Street Pharmacy 38 King Street, Hamilton HM 11 Tel: 279-5101 Fax: 279-5102

Dockyard Pharmacy Royal Naval Dockyard Sandys MA 01 Tel: 279-5515 Fax: 279-5528

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9/22/25 11:16 AM

FROM THE GOVERNOR

The Governor’s Perspective His Excellency Andrew Murdoch, Governor of Bermuda, shares his perspective on what new residents may discover when engaging with the island’s commercial and cultural life.

I

n Bermuda’s constitutional framework, the Governor is appointed by His Majesty the King, on the advice of the UK government, and holds defined responsibilities in areas such as external affairs, defence, internal security, policing, and the protection of constitutional integrity. While Bermuda is selfgoverning in most domestic matters, the Governor safeguards the island’s international obligations and the rule of law, acting as the Crown’s representative.

This role is often misunderstood by newcomers, particularly those familiar with the United States. Unlike a U.S. state governor, who is elected and exercises broad executive authority, Bermuda’s Governor is not elected and does not set local policy. Instead, he remains above partisan politics, working in close partnership with Bermuda’s elected government to support stability, good governance, and international confidence.

Since January 2025, Andrew Murdoch has served as Governor and Commander-in-Chief. His career combines military, legal, and diplomatic experience. After more than 20 years in the Royal Navy, he qualified as a barrister and later joined the UK’s Foreign, Commonwealth & Development Office. Most recently, he served as Legal Director and Director of Ocean Policy, working on international law, climate change, and multilateral frameworks. He has been awarded the CMG for his service.

What might surprise new residents about Bermuda?

Governor Murdoch encourages New Resident 2026

formal than many expect: jackets and ties for men and smart attire for women are standard, even in summer.

That formality is balanced with colour and local flair. Traditional Bermuda shorts for men — worn with a jacket, tie, long socks, and shoes — are common in warmer months and worn with pride. As Governor Murdoch notes, his own collection of pink ties has grown since arriving on the island.

What should professionals know about working in a close-knit community?

newcomers to explore Bermuda’s history, which reveals a long tradition of innovation and adaptability in response to geopolitical and economic change. That legacy has shaped an entrepreneurial culture and a confidence in doing things differently. Despite its small size — just 21 square miles — Bermuda consistently “punches above its weight,” identifying growth opportunities well suited to an offshore jurisdiction while also rethinking established industries.

Bermuda’s population is diverse, resulting in global personal and business connections that may not be immediately apparent. New residents should also be prepared for seasonal climate variation, with hot, humid summers and cooler, damp winters. And while Bermuda’s beauty is widely shared online, the vibrancy of the ocean and landscape is something best experienced in person — a defining influence on the island’s people and identity.

How can newcomers make a strong first impression?

Bermudians are warm and welcoming, and courtesy matters.

Greeting others with a friendly “good morning” is customary, even among strangers. Business dress is more

Despite its small scale, Bermuda is deeply connected to the global economy. Many international specialists live and work on the island, drawn by both professional opportunity and quality of life.

However, the close-knit nature of the community means that personal and professional networks overlap more than in large cities. People often hold multiple roles, and casual conversations can travel quickly.

Newcomers should assume a high degree of interconnectedness and exercise discretion. Bermudians are rightly proud of their country, and off-hand criticism from new residents may cause offence.

How does the Bermuda–UK relationship support business?

Bermuda’s business community maintains strong links with the UK, particularly in insurance and financial services. The island’s regulatory authorities are internationally respected, providing assurance around governance and standards.

The legal system is familiar to UK practitioners, with the Privy Council serving as Bermuda’s highest court of appeal.

Cultural ties are equally strong, with many Bermudians studying or working in the UK and daily direct flights to London. Regular governmental engagement, including participation in Overseas Territory leaders’ meetings hosted by the UK Foreign Secretary, reinforces a close and constructive relationship.

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From the U.S. Consul General

Our special relationship with the US Former US Consul General to Bermuda Karen Grissette lived in Bermuda from 2021 to 2024.

Here are her reflections on island life.

B

ermudians are so welcoming and friendly, and our family transitioned very easily to life here. There are certainly cultural differences, but Bermudians are very well acquainted with America.

There are hardly any Bermudians that have never travelled to the U.S., and there are more U.S. connections and a deeper understanding of the United States than any other place I’ve lived—and I’ve lived in a lot of different places. So that may make the island an easy place for Americans to adjust to.

However, Bermuda is also uniquely Bermudian with its own culture and its own unique attributes.

One of the things newcomers will quickly come to realise is that you encounter the same people in several different places and settings—at your children’s school, in line at the coffee shop, at a tennis class—and this can help develop close friendships and business relationships. I saw someone on the beach with whom I had recently had a meeting, so we just continued our conversation there on the beach.

Everybody is connected in one way or another to everybody else, so it’s kind of like one big family. I love that about Bermuda.

At the U.S. Consulate, customer service is the first priority. We have very quick turnaround time for information. We respond very promptly to all enquiries made through our dedicated email address, hamiltonconsulate@state.gov.

For Americans, we’re here for emergency situations, which unfortunately are sometimes sad events, such as a sudden death, an arrest, or destitution, and then of course routine services such as passport renewals, reports of birth abroad, notarising a power of attorney or a legal document, things like that. For non-Americans, most issues relate to travel, that means either visiting visas or immigrant New Resident 2026

US Consul General Karen Grissette welcomes Lt. Justin Nease of US Coast Guard Cutter Lawrence Lawson

visas.

We estimate there to be about 8,000 Americans resident on the island, among a total population of 64,000, which is a significant percentage. We encourage and ask U.S. citizens to register with us here at the Consulate at https://step. state.gov. One of the many benefits of registering is that we can send official messages directly to you.

Part of my mission is to deepen the strong economic ties between the United States and Bermuda.

There are a number of investment and business opportunities here, and I work with my colleagues in the U.S. Commercial Service to highlight those opportunities for U.S.

companies and U.S. investors.

It goes without saying that the international business sector on the island is of global significance and the U.S. insurance companies based in Bermuda are very important for us. We meet regularly with the companies and various industry and trade groups to discuss concerns; share information with the appropriate entities in London, Washington D.C., and beyond; and help wherever we can.

More information on the US Consulate in Bermuda is available at: https://bm.usconsulate.gov Facebook (@usconshamilton) Twitter (@usconshamilton) Instagram (@usconsulatehamilton) 9

FACTS & FIGURES

Bermuda’s vital statistics GEOGRAPHY Land area 20.5 sq. miles Length 21 miles Greatest width 2 miles Highest point 259 feet Islands in archipelago 138 Farmland: 735 acres Capital: Hamilton Climate: sub-tropical, frost free Nearest mainland: Cape Hatteras, North Carolina, US. 651 miles

POPULATION Total Total Foreign-born United Kingdom United States Caribbean Asian Countries Canada Azores/Portugal African Countries Other European Countries Other Gender ratio Female Male

63,356 19,332 4,088 3,598 2,755 2,563 2,140 1,643 627 1,231 687 52% 48%

HATCHES, MATCHES & DISPATCHES Births Deaths Marriages Divorce

436 622 310 85

Until recently, the only form of gambling allowed in Bermuda was at Crown and Anchor stalls at major cricket matches. However, in 2014, legislation was passed which allows for the development of casino gaming in hotels. Where and when the first casino will open is still uncertain.

EDUCATION Private school enrollment 3,541 Public school enrollment 3,861 Bermuda College enrollment 1,022

Customs Duty Land tax Company Tax Other

EMPLOYMENT

GOVERNMENT EXPENDITURE

Total occupied jobs 32,866 Work Permits in private sector 9,418 Work permits in public sector 408

Total: $1,202,821 million Grants & contributions 28% Wages & salaries 34% Debt service 11% Capital expenditure 7% Other operating expenditure 20% Government deficit: $440 million

GOVERNMENT REVENUE Total $1,158,866 million Payroll tax

45%

20% 8% 6% 21%

TRADE Total imports Total exports Imports by country USA Canada UK & Europe Caribbean All others Rate of inflation

$1,180 million $23.3 million 71% 8% 11% 2% 14% 8%

TRANSPORT Registered Road Vehicles: 49,997 Reported Accidents: 1,106 Road Casualties: 647 Road Fatalities: 13 Gibbs Hill Lighthouse stands 362 feet above sea level — the highest point on the island. Built in 1844, it is one of the few in the world made of cast iron.

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Source: Bermuda Digest of Statistics, 2024 by Government of Bermuda New Resident 2026

Democracy, Bermuda-Style Bermuda remains a British colony but is self-governing in almost all significant respects, with a Parliamentary system modeled after that of the UK. Although we are nominally under the responsibility of a Governor who is appointed by the King, the House of Assembly is where the big decisions are made.

The house has 36 elected members representing all areas of the island. At the moment the majority belong to the Progressive Labour Party (PLP), who won a snap election in October 2020. The PLP has 30 seats with the opposition One Bermuda Alliance (OBA) now represented with 6.

The October 2020 election was also contested by the Free Democratic Movement, led by

Bermuda has its own very colourful currency

MONEY

MATTERS The Premier, David Burt, JP, MP

The Governor, His Excellency Andrew Murdoch

ISLAND ESSENTIALS

former PLP leader Marc Bean. Its 5% of the popular vote was not enough to secure any parliamentary seats.

The Premier is chosen by the majority party from its elected members to lead the Government and therefore the country.

As ‘guest work’, one is not entitled to vote or stand for election.

Members of the House of Assembly pose for an official photograph

The island has its own currency, the Bermuda dollar, which is ‘pegged’ to the US dollar — one Bermuda dollar equals one US dollar. American money is accepted everywhere. Nearly all ATM’s dispense Bermuda dollars but there are a few that provide US dollars – including several in the departure lounge at the airport. Major credit and debit cards are accepted island-wide.

Unlike some of the islands to our south, we don’t have hundreds of banks registered here. There are only a few, with names probably unfamiliar to you (with the notable exception of HSBC). All of them offer the range of services you might expect, such as loans, investment services and online banking. With money laundering of major concern worldwide, don’t be surprised if you’re asked for a great deal of personal information when opening an account.

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ISLAND ESSENTIALS

Capital Gains Of all the world’s capital cities, Hamilton must rank among the smallest and the most prosperous. It’s also an unusually pleasant city with a tasteful blend of traditional and contemporary architecture and hardly a window that doesn’t overlook blue sea or luxuriant greenery.

But Hamilton is far from the toy town that it seems at first sight. Behind the attractively unassuming facades that line the main streets beats the heart of big-time international business. Hamilton is one of the world’s leading insurance centers, ranking behind only London and New York, and is the undisputed number one in captive insurance.

One of the things you’ll like about our capital is that everything is within walking distance. It’s so easy to get around that there’s no other office more than 10 minutes walk from your own, and within a 5-minute walk there’s every chance of more than 10 restaurants or take-outs from which to choose for lunch.

You and the Law You won’t find the Bermudian justice system much different from most other sophisticated countries. It is based on English common law.

Firearms and ammunitions and indeed all weaponry are completely unwelcome and carry heavy penalties.

The Police wouldn’t want Importing even a small amount of any illegal drug for your to meet you on own use is a serious imprisonable offense. Drink-driving business penalties are also very firm.

And be warned, working outside the bounds of your work-permit could lead to big trouble, both for you and your employer.

Our wild side

Despite the island’s tiny dimensions, there are still some significant stretches of open space here, and lots of (non-threatening) wildlife inhabiting it. The island is sprinkled with small, but interesting national parks and nature reserves.

There are also miles of South Shore beachfront that are mercifully clear of development. They are public and therefore free to roam and swim.

The railway trail is another treat.

It stretches from St. George’s to Somerset, cutting through parts of the island you would otherwise never see. Great for walking, jogging or cycling.

Offshore, our abundant reefs Bermuda is an ecological and wrecks make a paradise treasure island for divers.

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GETTING OFF THE ROCK Bermuda is a small place with limited diversions, which is why Bermudians are so well travelled.

They’re always taking short trips to ‘get off the rock’. With careful planning of your budget, you can too, because despite our relative isolation, we’re remarkably well connected by air to the US, Canada, and the UK. We’re enjoy regular (mostly daily) non-stop flights right up and down the East Coast, to Miami, Atlanta, Charlotte, Philadelphia, Washington, New Jersey, New York, Boston and Toronto.

British Airways has a dedicated service between Bermuda and Heathrow, London. For an up to date listing of all flights to and from Bermuda visit www. bermudaairport.com/flights/.

ENGLISH WITH A TWIST… Of course we do speak English, but with an attractively different accent that may be a little confusing at first.

One particular feature is the transposing of the letters w and v – as in “Velcome to our island” and “gold is a waluable commodity” – which can be traced back to old English.

Ask any Bermudian you meet to explain the intricacies of islandspeak and you’re in for a hilarious conversation.

ISLAND ESSENTIALS

Over the Volcano

Our weather is mostly marvelous

Particularly Pleasant Weather Although it is close to the US northeast, Bermuda’s climate is semitropical, kept warm and humid by the Gulf Stream. It is hottest in the months of July, August and September when temperatures are usually in the 80s with equally high humidity counts.

Summer is considered to begin officially in May – a public holiday observed on the last Friday of May signifies the first day of ocean swimming for Bermudians – and end in November. But temperatures from November to May can vary enormously, from the pleasant mid-70s to the all-time low of 41, recorded in 1955. January, February and March can be rainy and cool, although once again in this temperate climate, it is unusual to experience more than a few days of unpleasant weather at a time.

US Preclearance When you landed at L.F. Wade International Airport, you experienced our new passenger terminal, opened in December 2020.

It was built north of the old terminal, which had been constructed in the 1950’s, with several subsequent additions and renovations.

New Resident 2026

The new terminal cost around $250 million and has been designed in such a way that it can easily accommodate the addition of extra aircraft gates at either end of the terminal.

A partnership between the governments of Bermuda and Canada underpins the project.

It is generally referred to as “the island”, but Bermuda is in fact a chain of about 150 islands, many of which are really just rocky outcrops.

The land area, all 22 square miles of it, represents the summit of an undersea mountain. Although the highest point in Bermuda is a mere 259 feet above sea level, the ocean plunges to 15,000 feet within a few miles of land.

Do not be alarmed that the mountain we mentioned was volcanic – it is extinct. And you will also be happy to learn that although we do get the occasional hurricane, Bermuda is spared other natural disasters of any magnitude.

One benefit Bermuda residents enjoy is having US Customs and Immigration preclearance. Only about a dozen locations around the world have this US preclearance programme, which enables you to ‘preclear’ here if you’re travelling to the US, so wherever you land, onward travel is seamless. No further US customs, immigration or security checks required, unlike passengers arriving in the US from almost all other countries.

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2 Lover’s Lane Paget Bermuda 2 2 Lover’s Lover’s Lane Lane Paget Paget Bermuda 2 Lover’s Lane Paget Bermuda Bermuda Tel: 232-2453 info@scootermart.bm www.scootermart.bm Tel: 232-2453 info@scootermart.bm Tel: 232-2453 info@scootermart.bm www.scootermart.bm Tel: 232-2453 info@scootermart.bm www.scootermart.bm www.scootermart.bm

PRICES

We went shopping on your behalf to provide a rough idea of what you might expect to pay for life’s necessities. You will discover that, for most items, Bermuda isn’t inexpensive. But, unlike other out-of-the-way islands, our shops stock just about everything you could possibly want, and the quality is generally good

HOUSEHOLD Window cleaner (12oz, Windex) ........................................................................ $5.50 Mildew remover (32oz, Tilex) ..$9.30 Lavatory bowl cleaner (24oz, Pinesol) ......................................$5.15 Dishwashing liquid (10oz, Dawn)...........................................$7.35 Laundry detergent (46oz, Tide liquid) ...........................$16.35 Lavatory paper (4 rolls) ................$6.85 Tissues (Kleenex).............................. $4.10 Paper towel (large single roll)...$4.71 Cat food (156g can, Friskies) ..... $1.75 Dog food (625g can, Pedigree) $3.10

PHARMACY Toothbrush (Oral B) .........................$8.40 Toothpaste (Colgate, 6oz) ......... $9.45 Soap (three-pack, Dial) ................ $4.10 Shampoo (Pantene, 12oz)............$9.75 Shaving foam (Gillette, 11oz) .... $5.85

MOPEDS & MOTORCYCLES Basic 125cc ........................................ $2,595 High-performance ...................... $8,000 Electric scooter from ................. $2,995 Annual licence fee ...........$62 to $149

ELECTRONICS MacBook Air 15”................................$2,159 iPad Air....................................................... $849 Dell Latitude 5340..........................$1,675 iPhone 16...............................................$1,439

APPLIANCES (TYPICAL PRICES) Washer/dryer (each)....................... $995 Electric cooker .................................$1,425 Gas cooker...........................................$1,255 Refrigerator......................................... $1,575 Dishwasher ........................................ $1,450 Television (LG 55” flat screen) .$1,155

CLOTHING Bermuda shorts ...........................$60–98

Razors (Gillette five-pack) .......$18.45

Long socks .........................................$12.95

Deodorant (Degree gel) ...............$7.85

Blazer ..........................................$250–$395

CARS

Shirt (men’s) .............................. $30–$125 Leather loafers (Sebago) .......$149.95

Small electric.................................$21,000

Tights (Hanes ultra sheer) ................ $8

Large electric .............................. $50,000

Work dress ...............................$125–$275

Sub-compact ................................ $18,450 Family Crossover ....................... $40,000 Luxury convertible ................... $90,000 Insurance ......................$500 to $2,000 Gasoline ................................ $8.86 gallon Annual licence fee (based on size of car)........................................$304 to $1,678 New Resident 2026

Cocktail dress ........................$175­–$350 Sweaters (cotton or wool) $50–$200

DRY CLEANING Trousers .......................................................$24 Suit ...................................................................$47 Dress ..............................................................$35 Blouse ...........................................................$25

FOOD Milk (1⁄2 gallon) .............................. $6.50 Bread (sliced wholewheat loaf) ..................................................................... $7.50 Butter (1lb) .......................................$10.35 Cheddar cheese (1lb) .............. $8.99 Brie (8oz) .............................................$9.95 Parmigiano Regiano (per lb) ................................................................. $30.50 Bermuda eggs (1 doz, lge) .....$8.19 Tea bags (25 Twinings)...............$6.25 Bacon (1lb, Oscar Meyer) .....$10.50 Coffee (11oz ground Maxwell House) .......................... $10.75 Decaffeinated (8oz instant) .$13.75 Orange juice (52oz, Tropicana premium) ........................................... $8.50 Tenderloin steak (1lb) ............. $38.99 Fish (1lb, salmon).........................$19.99 Chicken (per lb) Thighs ...............................................$3.90 Breast, boneless, skinless. $8.95 Hamburger meat (1lb, extra lean sirloin) ................................................... $6.29 Peas (1lb, Pictsweet frozen) .. $7.25 Corn Flakes (12oz) ........................ $7.50 Potatoes (5lb) ................................... $7.25 Onions (1lb) ....................................... $2.89 Lettuce (romaine) ........................ $6.99 Cabbage (1lb) ...................................$2.99 Broccoli crowns (1lb) ..................$5.99 Asparagus (1lb) ...............................$7.99 Tomatoes (1lb, vine ripened).$5.99 Mushrooms (1lb) ........................... $6.99 Grapes (1lb) ....................................... $6.99 Apples (3lb, Golden Delicious).............. $9.50 Bananas (1lb) ....................................$3.35 Ice cream (1⁄2 gallon, Turkey Hill) .................................................................... $9.50

DRINK Beer (6 cans, Heineken).........$15.40 Table wine...................................$13–$35 Chivas Regal 12, 1 litre ..................................................................$68.75 Absolut vodka, litre ..................$39.25 Coke (6 pack cans) ..................... $9.69 Mineral water (1.5 litre Spa).....$2.65 Gosling’s Black Seal rum, litre ..................................................................$34.50

SWEET TREATS Cadbury’s Dairy Milk (49g) .....$2.99 Hershey’s chocolate (41g) ....$2.25 15

MONEY MATTERS

Affording The Bermuda Lifestyle It’s certainly a lovely place, but even with a good job Bermuda can seem expensive. Here’s a guide to help you budget.

L

iving on an island in the middle of the Atlantic Ocean means things inevitably will be more expensive than you might be used to. But the lifestyle you’ll enjoy here, more than makes up for the high prices.

It is a great place to bring up small children but there is a price to pay for kids.

You have the choice here of putting him or her through the free Government education system, from which many Bermudians and others have gone on to great careers. But the truth is that, given the choice, most parents here would opt for private education. Private school fees for the 2025-2026 academic year are from $21,000 to $26,000.

Add another $2,000 to $4,000 for uniform, books, after-school care and other school-related expenses.

There are lots of daycare, nurseries and pre-schools. Costs vary between $800 and $1,400 month. There are also free public nurseries that are worth investigating.

Bermuda's home rental market is currently experiencing high demand and limited housing stock, resulting in a sharp rise in rental prices. Over

Did you know ?

Bermuda Waterworks provides a public water supply via an underground pipeline network system. It is distributed from Devonshire going west to Sandys. visit www.bwl.bm.

PURE WATER & PURE ICE vending machine IS OPEN 24 HOURS

HOURS OF OPERATION

MONDAY - FRIDAY: 8 a.m. – 5 p.m.

(OFFICE, RETAIL SHOP & DRIVE THRU)

SATURDAY: 9 a.m. – 1 p.m.

(DRIVE THRU ONLY)

32 Parsons Lane, Devonshire tel: 299-PURE e-mail: purewater@bwl.bm web: www.bwl.bm A DIVISION OF BERMUDA WATERWORKS LIMITED

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the past couple of years, rental rates have surged, with quality properties being snapped up quickly. The shortage is especially notable for apartments. For example, a onebedroom apartment in the City of Hamilton may cost around $5,000 per month — less if you’re open to commuting from either end of the island. Luxury houses, on the other hand, can easily rent for upwards of $15,000 a month. Despite these challenges, don’t lose hope. Local real estate agents are highly knowledgeable, and with some persistence — searching online, networking at your new workplace, or seeking advice from locals — you’re likely to find a home that fits your needs and budget.

Grocery prices can be a bit of a shock at first. See our shopping list on page 15 for a clearer picture of particular items. Per month, you may need up to $600 per person to cover individual and household needs, so $2,400 a month for a family of four.

As for utilities, that same family might pay $600 a month on electricity in the winter and double that in the summer if they use airconditioning.

A modest used car that will get you around safely and reliably for three years could be as little as $15,000 while fuel, maintenance, insurance and fees might amount to $200 a month.

New Resident 2026

BANKING

Total Family Support HSBC Premier members and their families experience what other banks don’t provide: a global network of unique partnerships, privileges, and benefits that add value to every part of your life.

Y

ou don’t live an ordinary life, so why settle for an ordinary bank? HSBC Premier offers both local and global benefits designed for clients like you. Open a Premier account today with one of the world’s leading international banks.

HSBC Premier is the perfect choice for clients who value priority service, flexibility, and 24/7 worldwide support. Premier clients enjoy reduced fees and preferential rates on a variety of products and services, including foreign exchange and loans, as well as access to a wide range of global benefits for themselves and their families.

These benefits include emergency cash of up to $10,000 in local currency at HSBC Premier Centres and HSBC branches worldwide.

With HSBC Premier, it’s easy to manage your home and overseas accounts together. Using HSBC Global View, you can see all your eligible accounts from different countries in one place. With Global Transfers, you can instantly move money across borders between your eligible personal accounts, with no wire fees.

Get tailored advice from someone who knows you. A dedicated Premier Relationship Manager will take the time to understand your needs and provide personalised financial planning services.

Your family is Premier too. Your exclusive Premier benefits and privileges can be extended to your spouse and children (up to age 28), including rewards, offers, and partnership benefits.

If you’re making a big move to Bermuda, there’s already a lot to organise — your banking shouldn’t add to the stress. We’re here to help you set up everyday accounts, as well as any credit or lending you New Resident 2026

every dollar spent, allowing you to earn rewards faster.

The HSBC Premier Visa Platinum debit card offers additional benefits, including Visa Concierge, the Visa Luxury Hotel Collection, and price and purchase protection.

All HSBC debit and credit card users receive automatic access to Home & Away discounts, with Premier customers enjoying exclusive privileges. Discounts are available across six lifestyle categories: travel, shopping, dining, wellbeing, education, and experiences.

may need. You can apply before you leave (from over 30 destinations) or arrange everything once you arrive on the island.

Learn more at www.hsbc.bm/ international-banking Premier Card Benefits Premier customers are offered Bermuda’s only annual fee-free credit cards: the HSBC Premier Bermudacard for local use and the HSBC Premier Mastercard for worldwide use. Cardholders earn 1.5x reward points on local, overseas, and online spending.

Ditch the restrictions of typical airline reward cards and experience HSBC’s newly enhanced travel rewards site. Use your reward points to book any airline or hotel, anytime, with no blackout dates.

The HSBC Premier Mastercard Black offers complimentary access to over 1,000 airport lounges worldwide, free Wi-Fi access, discounts on hotel bookings and accommodations, and no international transaction fees. It also earns double reward points (2x) on

Premier Wealth and Investment Solutions Growing your wealth and achieving future goals takes more than hard work — it takes planning. HSBC provides a dedicated Relationship Manager who can help customise a financial plan for you and your family, drawing on HSBC’s global network of investment expertise.

You may also wish to explore HSBC’s savings calculators, including Grow Your Wealth, Education Planning, and Retirement Planning, to see how you can take practical steps toward your goals.

These tools are easy to use and understand, no matter where you are on your investment journey.

For more experienced investors, HSBC also offers a full range of investment funds and access to Investor Resources.

For more information on how you and your family can experience the ultimate in Premier banking, contact 299-5252 or visit www.hsbc.bm/ premier.

Issued by HSBC Bank Bermuda Limited, 37 Front Street, Hamilton, Bermuda.

Licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority.

17

Create a BELCO Customer Portal Profile At BELCO, we have the tools you need to monitor and control your energy consumption to help reduce your bill. By creating a profile on our customer portal, you will gain 24/7 access to your account details and the following helpful tools: • View your Smart Meter consumption data • View and pay your bills online • Review your transaction and payment history • Analyse and download the data on your electricity usage • Add multiple accounts to your online profile • Report and view power outages Registration requires your account number and meter number, which can both be found on your bill.

belco.bm | 295.5111

ENERGY

Getting Connected: Electricity in Bermuda Your guide to powering up with BELCO

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f you're new to this beautiful island, you’ll need to register for an account at BELCO (Bermuda Electric Light Company Limited) — Bermuda’s dedicated electricity provider that has been powering Bermuda since 1904. BELCO is proud to serve approximately 36,000 homes and businesses across the island.

Getting started with your electricity service is straightforward.

When you arrive, you'll need to set up your account by providing your rental or property address, proof of residence, valid identification and contact information. You can do this by calling BELCO’s friendly customer care team at 295- 5111, visiting BELCO’s headquarters at 27 Serpentine Road in Pembroke or starting the process online at belco. bm.

Once you’ve set up your BELCO account, creating an online profile will be your gateway to hassle-free New Resident 2026

energy management. With your first BELCO bill in hand — which will contain your account and meter numbers — you can sign up for an online account. BELCO’s online portal gives you 24/7 access to view your Smart Meter consumption data, download and analyse your electricity usage, pay bills, track payment history, report power outages and even manage multiple accounts if needed.

Everyone has different preferences when it comes to billing, which is why BELCO provides multiple billing options. You can choose traditional monthly printed bills delivered to your address or post office box or opt for BELCO’s paperless ebilling system. Going digital is quick and environmentally friendly — either opt for ebilling when you sign up for an account, visit belco.bm/belcopaperlessbilling or send an email to info@belco.bm to make the switch.

BELCO’s website is more

than just a utility portal — it's your comprehensive resource for understanding energy in Bermuda. Here, you'll find practical energy efficiency tips tailored to Bermuda’s unique climate, detailed explanations of electricity rates, a breakdown of bill components and insights into BELCO’s sustainability commitments. BELCO believes in transparency and wants to help you understand not just your bill, but how energy works in your new home.

BELCO is committed to making your transition to island life as smooth as possible. Whether you need to connect your service, understand your billing or get tips on energy efficiency, our team is here to help. You can reach us through our website at belco.bm, by phone at 295-5111 or by visiting our headquarters in Pembroke.

Welcome to Bermuda, and welcome to BELCO! 19

IMMIGRATION

Getting the balance right Bermuda continues to maintain the delicate balance between encouraging new residents who can create new jobs and ensuring Bermudians have fair employment opportunities.

W

ith sub-tropical temperatures, beautiful pink beaches and one of the highest standards of living in the world, it is no surprise that Bermuda needs immigration controls to ensure that it is not overrun by people looking for the good life.

Still, immigration tends to be one of the least understood areas of moving to Bermuda – and the one which may lead to frustration.

The basic means of controlling immigration is a work permit. If you come to Bermuda with the intention of working and you are neither a Bermudian nor a spouse of a Bermudian, you must have a work permit.

To qualify for a work permit, you must have an employer who has carried out the necessary due diligence and advertising to satisfy the Department of Immigration that there is no qualified Bermudian available to do your job. And you must fill out a number of forms and get the necessary documentation.

Certain other restrictions can also apply. There are limits on the number of children you can bring to the Island due to concerns about overburdening local schools and 20

your ability to support them.

All work permit holders must sign a declaration that they have no right to remain in Bermuda, or to gain residency rights, once their work permit has expired, regardless of how long they have been on the island. Only marrying a Bermudian, qualifying for rights under other legislation such as the “Job Makers Act” and certain other processes will override that declaration.

The standard work permit is for one year, but there are also two-, three- and five-year work permits.

The work permit is not held by you, but by your employer, and there are restrictions on what you can do under the work permit. For example, you generally will not be able to work in a second job and you usually will not be able to change jobs until you have been in Bermuda for two years.

Many people who are intending to work in Bermuda have a spouse or partner. This can be complicated. You might be an insurance executive or actuary but if your spouse is a retail store manager or a nuclear physicist, finding a job in Bermuda may be more difficult. Sometimes the jobs will simply not exist or they may be closed to non-Bermudians because

it is believed there are enough Bermudians available to carry out the role. As a rule of thumb, the spouse would be wise to seek employment before coming to Bermuda. Once here, the spouse must get a letter from Immigration giving permission to seek employment before looking for work. In any event, if the spouse wishes to come to work in Bermuda, this must be stated in the work permit application. Individual permits are also required for children.

If your spouse, partner or children do not intend to work, they must still be included in the application form and you need to show you earn enough to support them financially.

Anyone coming to Bermuda also needs to be aware that certain jobs are “closed” or “restricted”. Closed categories, which include jobs like general labourer, office receptionist and taxi drivers, cannot be held by non-Bermudians unless they have a Bermudian spouse.

Some other jobs, where there is a lack of qualified Bermudians, are easier to get with an in principle application. These run the gamut from actuaries to nurses to butchers.

There are a number of measures in place aimed at encouraging businesses to come to Bermuda or New Resident 2026

IMMIGRATION to stay in Bermuda. For example, a new business coming to Bermuda can get permission not to advertise the jobs of up to six senior staff members before getting work permits for them, and these jobs would not have to be advertised for two years. Non-Bermudian owned companies operating locally – known as section 114b companies – can also get some concessions on work permit requirements.

A second policy enables a company to be granted a global work permit, by which a senior employee of a global company can come to Bermuda without the need to advertise the work permit. The only condition is that the employee should not be filling an existing position in the Bermuda office.

An Entrepreneur’s work permit has also been created to enable people to live and work on the Island for up to a year while developing their business plans and raising capital for new international companies.

“Job Makers” legislation enables executives who are responsible for at least ten jobs held by Bermudians to be eligible for permanent residence.

For companies in the financial technology (fintech) space, new companies can get automatic work permits for up to five nonBermudian employees provided they apply for them within six months of the first permit being granted. There are similar processes for new companies that are not in the fintech space.

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At EVM we are all about the future and where we see Bermuda 5...10...20 years from now and it’s bright! In fact, we believe it’s electric!

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777.1557

Fees: Three-month short-term work permit......................................................$705 One-year standard work permit...................................................$1,105 Three-year standard work permit.................................................. $3,795 Five-year standard work permit..................................................$6,510 One-year global work permit.................................................. $1,955 Three-year global work permit.................................................. $4,740 Five-year global work permit..................................................$7,460 New Resident 2026

21

BEAUTY

How to find your new hairstylist (when you’re REALLY fussy)

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acking and unpacking or finding a new home may not be your main concern about moving to

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Bermuda. For many, it’s trying to find the best person to style your hair.

Because it’s often the case that if you

don’t feel good about your hair, you don’t feel good, period.

Worry no more. The experts at Headway Salon and Day Spa will keep you looking good and feeling great.

Friendly and inviting, Headway is right in the center of the city — just a few minutes walk from all of Hamilton’s major offices.

Headway is for ladies, gentlemen and children.

Its stylists can ensure your existing style is maintained to perfection, or suggest something new for your island lifestyle.

The day spa offers a world of relaxation, rejuvenation and beauty — massage, facials, manicures and pedicures. As well as waxing, tinting, brow tattooing, spray tan and other expert treatments.

A visit to Headway is the perfect way to feel good about your move to Bermuda. www.headway.bm

New Resident 2026

BRIEFING

Elbow Beach looks set for renewal, with demolition planned for 2026 and groundbreaking on new construction in 2027

Talking Points: What’s Shaping Bermuda Today F or newcomers, Bermuda is often seen as a tranquil, efficient place — and it is. Yet beneath the pink-sand beauty and polished reputation, the island wrestles with challenges and opportunities familiar to any modern nation. From new tax policy to infrastructure woes, political shifts to climate resilience, these are the topics that might come up around the water cooler or in everyday conversation. Here’s a quick briefing on what’s being talked about on the Rock.

Corporate Income Tax Bermuda introduced a corporate income tax in the 2025/26 fiscal year, marking one of the most significant shifts in its economic policy in decades. The measure is expected to generate $187.5 million in its first year, rising to around $600 million annually by 2026/27.

The move aligns Bermuda with international tax reform initiatives, particularly those led by the OECD, New Resident 2026

which aim to implement a global minimum tax to curb profit shifting and tax base erosion.

To oversee the new system, a Corporate Income Tax Agency has been established, alongside a bipartisan Tax Reform Commission (TRC) tasked with recommending how the new revenues should be used.

The TRC proposed four key areas of focus: fiscal stability, cost of living and doing business, community development and equity, and economic growth and job creation.

Among its ten recommendations were the creation of a $100 million stability fund, reductions in payroll tax, $200 million a year for debt reduction, utility tax relief, and a lowincome healthcare subsidy.

The 2025 General Election In a surprise January announcement, Premier David Burt called a General Election, catching many off guard — most had expected a pre-election

Budget in February.

When votes were counted on February 18, the ruling Progressive Labour Party (PLP) won 25 seats, down five, while the opposition One Bermuda Alliance (OBA) gained five, finishing with 11 seats in the 36-member House of Assembly.

It was the PLP’s third consecutive victory, continuing its dominance — the party has governed for 23 of the past 27 years, with the OBA’s sole win coming in 2012.

The election fielded a record 110 candidates, including 36 each from the PLP and OBA, 10 from the Free Democratic Movement, one from the Emperial Group, and a remarkable 27 independents.

Despite that breadth of choice, voter turnout was low, at just under 55 per cent. The PLP retained power but secured fewer total votes than the opposition parties combined.

In the aftermath, OBA leader Jarion Richardson stepped down and was replaced by MP Robert King. Premier 23

BRIEFING King Edward VII Memorial Hospital — at the centre of Bermuda’s ongoing healthcare reform aimed at expanding access and controlling costs.

it has been purchased by the Loren Group, which plans demolition in 2026 and groundbreaking for a new resort in 2027.

Cost of Living

Burt, meanwhile, has announced that the 2025 election will be his last; he intends to step down as PLP leader at the party’s delegates’ conference in October 2026.

Causeway, is indeed a temporary military bridge. Nearby, the Swing Bridge no longer swings — it’s worn out. Fortunately, replacement plans are well advanced, with construction expected to cost around $20 million.

No topic resonates more deeply with locals than the cost of living. With nearly all goods imported, Bermuda remains a price-taker.

Housing costs top the list of concerns, followed by electricity and groceries. Despite an estimated 6,000-person emigration in recent years, the housing shortage has worsened as average household size declines.

In response, government has appointed a Minister for Housing and convened a Cost-of-Living Summit to explore solutions. One initiative involved converting the Bermudiana Beach development — originally planned as a hotel — into long-term rental units aimed at international business workers.

Rents range from $3,800–$4,600 per month for studios to $6,500– $7,600 for three-bedroom units, a move intended to ease market pressure for Bermudians by redirecting demand.

Infrastructure Few topics stir conversation like Bermuda’s infrastructure, which is visibly ageing in places. Despite the tireless efforts of the Department of Public Works, potholes continue to reappear almost as fast as they are filled — particularly after heavy rains.

Road conditions have been further affected by Belco’s ongoing project to place power cables underground.

Many of these trenches remain only partially resurfaced, leaving uneven roads in their wake.

Government has promised increased investment, but at $1 million per mile, resurfacing Bermuda’s 100 miles of roadway is no small expense. Motorcyclists, in particular, feel every bump.

Bridges, too, are showing their age.

The temporary-looking Longbird Bridge, linking the airport to the 24

Hotels and Tourism Investment While infrastructure struggles, tourism development offers brighter news. Bermuda has seen a renaissance in hotel investment: the St. Regis Bermuda Resort, The Loren, and Azura have all opened in recent years.

The Hamilton Princess & Beach Club continues to impress, not only as a luxury property but as a cultural showcase, featuring works by Picasso and Banksy — its guided art tour is highly recommended.

The long-shuttered Southampton Princess is being revived by Gencom, with a planned $560 million renovation. Given the hotel once accounted for nearly a quarter of all air arrivals, its reopening will be a major boost for tourism and jobs.

Nearby, Elbow Beach also looks set for renewal: after years of vacancy, New Resident 2026

BRIEFING Climate Change Bermuda’s exposure to climate change is real and growing.

Rising sea levels and increasingly powerful hurricanes are key threats.

A 2024 governmentcommissioned report, Bermuda and Climate Change, identified 2,130 buildings at risk — about six per cent of the total — with 326 in critical danger. Vulnerable sites include key infrastructure such as the Belco power plant.

A 2021 MIT study found that major hurricanes (Categories 3–5) in the Atlantic have become more frequent and intense over the past century, a trend linked to warming ocean temperatures.

Social Ills For all its affluence, Bermuda faces familiar social challenges. Gun crime, homelessness, and road fatalities remain persistent issues.

Police estimate up to 11 gangs operate on the island, with around 200 active members. Since 2020, gang violence has been linked to nearly 50 murders, most tied to turf disputes, though innocent

Six More Issues on Bermuda’s Radar • Economic momentum: Bermuda’s international business sector continues to dominate GDP, but new tech, fintech, and climate-risk initiatives are diversifying the economy.

• Labour market: The island’s unemployment rate remains low, but skilled labour shortages persist in construction, IT, and healthcare — driving discussions about immigration and work-permit reform.

• Education reform: The Government is phasing out middle schools and transitioning to a two-tier primary/secondary system — a major structural change that’s generating local debate.

• Healthcare overhaul: A long-discussed restructuring of the island’s healthcare financing system is underway, aimed at expanding access and controlling costs — one of Bermuda’s biggest domestic policy challenges.

• Environment & energy: Belco is working toward a 2035 renewableenergy target, including solar and offshore wind studies, part of a national drive to reduce fossil-fuel dependency.

• Population growth: With an aging population and outward migration, the Government is exploring ways to attract new residents — including international entrepreneurs and remote workers — to sustain economic growth. victims have also been caught in the crossfire. More than 40 cases remain unsolved.

Homelessness, while often hidden, affects an estimated 1,000 people — many couch-surfing, living in tents, or in unsuitable housing. Rising rents make

recovery difficult.

Road safety is another concern: tailgating, speeding, and drinking and driving remain too common.

Over the past decade, Bermuda has averaged 11 road deaths per year, according to the Bermuda Digest of Statistics 2023.

Bermuda’s fossil fuel–reliant BELCO has set a 2035 renewable target — yet electricity costs remain a current concern

New Resident 2026

25

ECONOMY

Bermuda Economy 101: A Quick Guide What, no income tax?

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s you settle into island life, you might be pleasantly surprised to learn that Bermuda doesn't impose a direct income tax. Unlike many countries where a portion of your earnings is deducted, Bermuda's government funds its operations through alternative revenue streams. Here’s how this system works.

on property value, making up around 8% of government income.

This includes both residential and commercial properties.

Other Fees and Taxes: Various other sources, such as company fees, fees for your Work Permit, licenses, and stamp duties, collectively contribute the remaining 28% of revenue.

4

Government Revenue Sources

Reliance on Imports

Without income tax, Bermuda relies on several key revenue sources: Customs Duties: Taxes on imported goods are a significant revenue stream, accounting for approximately 20% of government income. Given that Bermuda imports nearly all its goods—from food to fuel—customs duties play a crucial role.

Payroll Taxes: Employers are required to pay taxes based on their employees' wages, contributing about 44% to government revenue. This system indirectly affects employees, as employers may adjust wages or employment structures to accommodate tax expenses.

Property Taxes: Owners of real estate pay taxes based

Bermuda's small landmass and limited natural resources mean that almost everything consumed on the island is imported. This dependency makes customs duties a vital component of government revenue but also exposes the economy to global market fluctuations, affecting local prices and the cost of living.

3

The government allocates its revenue across several key areas: • Healthcare: Funding public health services and facilities to ensure residents have access to medical care.

• Education: Supporting public schools, educational programs, and related infrastructure.

• Public Services: Maintaining

Revenue

Expenditure

services such as law enforcement, fire departments, waste management, and transportation.

• Social Programs: Providing assistance and services to support the well-being of residents, including social insurance and welfare programs.

Balancing expenditures with available revenue is an ongoing challenge for the government as it works to meet public needs without exceeding its financial limits. For instance, the deteriorating state of roads, bridges, and other infrastructure highlights the lack of sufficient investment in these critical assets.

National Debt

1

2

Other 28%

Customs Duties 20% Property Taxes 8% 26

Payroll Taxes 44%

Government Spending

Healthcare $200 million 20%

Other 53%

Education $140 million 14% Debt Service $130 13%

Over time, Bermuda's government spending has exceeded its revenue, leading to borrowing and the accumulation of national debt. As of recent reports, Bermuda's national debt stands at approximately $3.35 billion. This debt requires annual interest payments of $130 million, which constitutes 12% of Government expenditure, a significant portion of the budget. Managing and reducing this debt is crucial to ensure longterm economic stability.

Key Economic Sectors Several industries are pivotal to Bermuda's economy: • International Business: Bermuda is a global hub for insurance and reinsurance companies, contributing significantly to GDP and employment.

• Tourism: Attracting visitors, tourism supports local businesses and employment, though it has faced challenges in recent years.

75% of visitors come from the USA, 10% from Canada, 10% from the UK. • Construction: Driven by both residential and commercial projects, the construction industry plays a vital role in economic development.

• Retail: While essential, the retail sector has experienced a decline, influenced by global competition and changing consumer behaviors such as online shopping.

New Resident 2026

BERMUDA THROUGH THEIR EYES

Building a Career, Finding a Home When Laura Taylor first set foot on Bermuda’s shores in October 2000, the sight of crystal-clear waters glinting blue and green stopped her in her tracks.

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ore than two decades later, that view still has the power to take her breath away. Yet it is not just the beauty of the island that has held her here; it is the people, the business climate, and the sense of community that have made Bermuda her home.

Ms Taylor is President of Nephila Holdings Ltd., one of the world’s largest insurance-linked securities (ILS) managers. She joined the firm in 2004, shortly after it spun out as an independent investment company with just $500 million in assets under management.

Today, Nephila sits at the heart of Bermuda’s globally respected ILS and catastrophe reinsurance market — an industry that has transformed the island into a hub for innovation and financial resilience.

For Ms Taylor, Bermuda’s role in that evolution is no accident.

“One of the first things I worked on was creating the first ‘evergreen transformer vehicle,” she recalls.

This pioneering structure allowed the transfer of catastrophe risk from reinsurance markets to the capital markets, secured by collateral instead of a traditional credit rating.

“It had never been done before.

It’s a great example of Bermuda’s entrepreneurial culture and the Bermuda Monetary Authority’s willingness to embrace innovation while ensuring regulatory oversight.” Without that foundation, she believes, the ILS market would not be what it is today.

Bermuda’s advantages as a business jurisdiction go far beyond technical expertise. Ms Taylor highlights the island’s strong infrastructure, stable government, New Resident 2026

and history of innovation as key reasons global firms choose to establish themselves here. “The speed of doing business is part of what attracted companies over the past 20 to 30 years,” she explains. “Industry groups also play a vital role, working closely with government to keep Bermuda competitive in an increasingly globalised marketplace.”

Proximity to the United States, Canada, and the UK adds a geographic edge.

This combination makes Bermuda attractive not just for businesses, but also for the people who work within them. Ms Taylor is quick to point out the island’s unique sense of community. “It’s a place where you can work and live among people from all over the world, all within 20 square miles,” she says. The diversity of backgrounds enriches both the workplace and daily life, while the culture of volunteering provides countless ways to give back.

For families, the appeal is even stronger. Short commutes and

year-round sunshine mean busy professionals can still make it to school events or be home for bedtime. “You can have an exciting, challenging career,” Ms Taylor notes, “but still keep family life at the centre.”

That balance of opportunity and quality of life has made Bermuda a rewarding home for her own family.

“It has been a wonderful place to raise a family while building a career and being part of a strong community,” she says.

Beyond the reinsurance sector, Bermuda offers an array of local and international businesses, a thriving charitable sector, and a cultural scene that ranges from fine dining to water sports.

“There’s always something new to do,” she adds, “but it’s the warmth and welcome of the people that make it feel like home.”

Of course, no jurisdiction can afford to rest on its laurels.

Ms Taylor is candid about the challenges Bermuda faces in a world of intense competition. Other financial centres are vying for the same business, often at lower costs and with fewer regulatory hurdles.

“We shouldn’t take the status quo for granted,” she warns. “The future success of the island depends on government, businesses, and industry groups working together to solve problems and enable growth.”

Still, her optimism is unmistakable. Ms Taylor’s professional life has been intertwined with Bermuda’s rise as a global financial leader, and her personal story is one of deep connection to the island’s community and culture.

Asked whether Bermuda is a good place to work, rest, and play, she doesn’t hesitate: “Yes. Absolutely.”

For Ms Taylor, the answer to why we are here is simple. Bermuda offers the rare chance to build a world-class career while living in a place that feels like home. It is that combination — professional opportunity and personal fulfilment — that has kept her here for 25 years and counting.

27

BERMUDA THROUGH THEIR EYES

Finding Home on the Rock After overcoming the lifestyle adjustments and bureaucracy, the Dominis are happy to call Bermuda their home

W

hen Luciano Domini and his then girlfriend, Jessica, moved to Bermuda in September 2023 with their Miniature Schnauzer, Enzo, it was quite an adjustment. Not just because the British couple were uprooting their Derby-based life, but also because Jessica was going to have to work for her UK-based recruitment company remotely.

One big advantage they had, however, was the fact that chartered accountant Luciano had lived in Bermuda before and knew what to expect. His first stint was from 2016 to 2019, but family reasons took him back home after his first work permit expired.

A new opportunity, as an insurance manager for Strategic Risk Solutions, then tempted him back across the Atlantic — but what did Jessica think?

“The lifestyle appealed to me,” she says. “I had lived outside of the UK before. I lived in Dubai for four years, so I was familiar with the expat life.”

Despite the lifestyle appeal, they both admit it was still a “reasonably difficult” decision to make — partly because of how much more expensive Bermuda is, but also because when they moved here, they weren’t married, which added an extra layer of bureaucracy to their work permit process.

“You have to do an affidavit if you’re not married and you have to prove that you’ve been living together for two years and the substance of your relationship,” explains Luciano. But, he adds, it “wasn’t too bad”, and he received helpful advice from others who had been through the process.

For Jessica, however, this meant “giving up a lot of my independence.

The dynamics changed in our relationship and I did become more

28

dependent on [Luciano] for various things.”

Fast forward two years, though, and she is now a senior recruitment consultant and business development manager at Acumen.

The couple have got married and are happily living near Elbow Beach in Paget. Luciano has even

embraced Bermuda shorts.

“I have a couple of pairs from TABS — bright green and bright blue,” he admits. “I think it’s great that you can go to work at a corporate job in your shorts. You learn to embrace it.” He has also embraced the traditional island bike commute. “There’s a lot of traffic in the morning coming from Paget, so it’s easier. It’s also nice in the spring and summer months being on the bike. It’s very freeing.”

New Resident 2026

BERMUDA THROUGH THEIR EYES

As part of her job, Jessica has to get to know candidates and understand why they might consider a move to Bermuda. She draws on her own experience to give realistic but helpful advice.

“I would always encourage the move because it is a great place. There are some amazing opportunities here and it’s a good lifestyle,” she explains. “But I also think it’s really important to be realistic about what challenges you may face. The cost of living, for one. The logistics. I always try to encourage people to bring as much stuff as they can with them.”

New Resident 2026

Another well-documented challenge is finding somewhere to live, and it took Luciano and Jessica longer than anticipated.

“We didn’t actually find anywhere suitable until we were on island, and I think that helped because we were here in person,” says Luciano.

They also faced the added challenge of finding somewhere suitable for Enzo. “There’s not many pet-friendly places, so that was a big issue for us.”

For Jessica, helping people relocate without secured housing can be stressful, but she advises using temporary accommodation

initially and having “a little bit of faith that things will work out — which they did for us.”

Jessica says she really liked the sense of community when she first arrived and found everyone to be “very welcoming”. She threw herself into island life, volunteering at the Bermuda Aquarium and Zoo (BAMZ), helping clean the sea turtles, attending yoga classes with Salt Yoga, and joining the International Women’s Club of Bermuda (IWC).

“They do a lot of great things for women who are new to the island,” she explains. “They do a lot in the daytime, so if you’re not working, that’s fabulous. The group of women are really nice and they organise happy hours, whale watching tours, sip-and-paints and cooking classes.”

Despite the long working hours that come with a career in accounting, Luciano enjoys the balance Bermuda offers.

“At the end of the day, you still have time to be social,” he says. “On a Friday, people usually get together for a few drinks or social activities.

We also have quite a lot of wellness events at work.”

Together, they love the outdoors and being active. They both play a lot of pickleball and have recently started golf lessons at Turtle Hill.

“If you’re going to do it somewhere, do it in Bermuda,” Luciano laughs.

Their favourite beaches include Cooper’s Island, Pompano and The Loren, where they have a club membership. They also spend time walking Enzo on Elbow Beach and Warwick Long Bay in winter, and Riddell’s Bay, the Botanical Gardens and the Railway Trail year-round.

They even got engaged on the Railway Trail near Flatts Village.

“It was on the one-year mark after we moved to Bermuda that Luciano proposed,” smiles Jessica. “We did our legal wedding here and then had a symbolic ceremony in the UK so all our family and friends could attend. It was really nice for us to get married here. I think Bermuda has become a big part of our lifestyle.”

“We’re settled now,” says Luciano.

“Our plans are to stay here.”

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ISLAND ETIQUETTE

Courtesies & Manners This candid guide may save you from embarrassment and a surprise or two

DO try to appreciate that, while Bermudians are generally welcoming folk who understand they need help to run the island’s sophisticated economy, they get somewhat ticklish when they suspect someone is being brought in to change the proverbial lightbulb (even if the truth is more complicated), or suspect that your job could easily be done by a Bermudian. Be straightforward, low-key and ready to laugh at your own expense and you’ll have no problem.

DON’T burst a blood vessel if that package that you’re used to getting from Amazon overnight, takes four or five days to reach you in Bermuda. Some things just take a little longer living on an island.

DO be prepared for some ‘gossipy’ dinner table talk here. A local politician’s insignificant blunder is likely to get half an hour of animated banter, while the latest 30

global disaster is dismissed with a distracted “Sad…”

DON’T gossip about one local to another. Invariably, the subject turns out to be your interlocutor’s cousin/ neighbour/ex-spouse — you get the idea. The key concept to remember: everyone you meet is probably related and slated to talk soon.

DO be patient if you make a social arrangement with a Bermudian and he or she shows up 20 minutes late. It’s a kind of custom here — infuriating to outsiders until they wise up to ‘Bermuda time’. You should, of course, always show up to business meetings on time.

DO expect waiters or shop assistants to provide friendly and helpful service. But don’t expect them to over-indulge you with formal respect. Things are a little more relaxed here.

DO say “Good Morning”, “Good

Afternoon” or whatever is appropriate when you greet a Bermudian. Failure to do so will severely impede your chances of ever getting anything to eat, purchasing products, or making a cab move in a forward direction. In short, being nice is a necessity here.

Sorry.

DON’T be shocked to hear the mild-mannered local banker or lawyer you know as, say, Fred Smith, being referred to by colleagues as perhaps “Big Meat” or “Flea” or even “Sledgehammer.” Nicknames are a Bermudian thing; just look in the Obituaries column of the Royal Gazette each day to see some wonderful examples.

DO plan to eat out before 10pm unless you want fry-shaped solidified grease from some late, late take-out. Bermudians generally eat around 7:30pm to 8:30pm and there’s precious few eating establishments open late.

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GROCERY SHOPPING

The Rhythm of Island Groceries:

How Bermuda’s Shelves Move with the Sea From shipping schedules to shifting weather, grocery shopping in Bermuda follows a unique island rhythm — one shaped by the tides, the trade winds, and a community that knows how to adapt.

I

magine walking into your local grocery store, list in hand, and realizing that the selection has its own rhythm. In Bermuda, shipping schedules and weather subtly shape what’s on the shelves from day to day — a quiet reminder of how connected we are to the world beyond our shores. For someone new to the island, it can be surprising at first. But this is part of the rhythm of island life: a rhythm shaped not by highways or trucks, but by tides and trade winds.

Every week, Bermuda’s grocery shelves tell a story that begins hundreds of miles away. Picture the scene: at the end of the week, the container ship MV Oleander slips out of port in New Jersey on Friday, arriving in Bermuda on Monday with its hull filled with pallets of fresh produce. That same Monday, the Bermuda Islander follows, arriving on Thursday with a second wave of fresh goods. This dependable cadence helps keep the island’s kitchens stocked. A third ship, the Somers Isle, arrives from Jacksonville, Florida every other Tuesday, carrying everything from pantry staples to specialty items.

Over time, you start to recognize this rhythm. Tuesday mornings bring vibrant fruits and greens, and

New Resident 2026

as the week unfolds, the shelves remain familiar and well supplied.

By Thursday, the aisles buzz again with another round of fresh arrivals.

Planning your shopping around the boats becomes second nature — timing your visit just right to pick up what you need for the week ahead.

It’s one of those practical island habits that quietly becomes part of daily life.

Then there are the weeks when nature has other plans. Stormy weather or rough seas can affect shipping schedules long before a vessel ever reaches Bermuda.

When that happens, island life teaches flexibility — swapping

ingredients, trying something new, and trusting that the next boat will bring what’s needed. What may feel inconvenient at first often becomes an opportunity to experiment, adapt, and discover new favourites.

In those moments, the beauty of the system becomes clear.

Local farmers step up, bakeries become even more essential, and the community leans into what’s available. Living in Bermuda means being part of a living system — one that depends on the sea, the weather, and one another.

At Lindo’s, we’ve learned to move with that rhythm. For decades, our buyers have tracked the boats week after week, balancing imported goods with the very best of what’s grown and made locally. Every effort is made to ensure that each visit to Lindo’s offers freshness, choice, and quality — no matter what the seas are doing.

So next time you plan your weekly shop, shop with the rhythm of the island. Visit Lindo’s, explore what’s fresh, local, and newly arrived, and experience firsthand why generations of Bermudians trust us with their table. Lindo’s — Why go any place else?

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HAMILTON BUSINESS MAP 1

2

AIRCARE American Consulate AXA XL BELCO Bermuda Cancer and Health Centre Bermuda Chamber of Commerce Bermuda Media Bermuda Monetary Authority (BMA)

3 4 33 10 3 31 12 19 27

Bermuda Stock Exchange Bermuda Tourism Authority Bermuda Waterworks BHS Bus Terminal Café 4 Chubb EVM

2 23 32 5 26 18 9 25

Ferry Terminal Gov’t Information Services Gov’t Offices including Immigration Harbourfront Restaurant Headway Hair & Body H.M. Customs HSBC Head Office In Motion School of Dance

13 30 29 34 22 35 21 40

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Opposition Leader Phoenix Stores Post Office Premier & Cabinet Office Royal Bermuda Yacht Club ScooterMart Saltus Grammar School

La Trattoria Library Little Venice Restaurant L’Oriental Restaurant L’Oriental Express Marine Locker Marshall’s Maintenance Mount Saint Agnes Academy (MSA)

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17 27 30

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PROPERTY

Home Help

Moving house combined with moving to another country can be stressful. Here’s a few tips to ease the pain

R

enting a home when you first come to live in Bermuda is not only wise, it is also the only option for most new residents. Many houses here have separate rental units, which can range from studio apartments to garden cottages.

Condominiums come in all shapes and sizes, and there is always a wide range of executive homes available at any given time.

The best way to start looking for a rental property—and you should see quite a few before making your final choice—is with the help of a local real estate agent. It is also well worth searching online. Alternatively you or your future employer could hire a relocation service. This is almost a necessity if you’re trying to secure housing before arriving on the island.

Some employers may pay for you to stay at a hotel or guesthouse for a few weeks, to give you time to look for accommodation.

Your housing needs will be dictated by your family requirements as well 34

as your interests and work schedule.

If, for example, you have the kind of job which requires shift work or the need to be called in at odd hours, you will want to live relatively near to your place of employment.

If you have children, schools will be a consideration in your choice of location. Places at government primary and middle schools are allocated on the basis of zoning, which you may want to bear in mind when selecting your new home.

Rental units in the central parishes of Devonshire, Paget, Warwick, Pembroke and Smith’s tend to be pricier. However, as you will quickly learn, nowhere in Bermuda is very far from anywhere else and Hamilton can be reached by road from either end of the island in not much more than 30 minutes. There’s also a good ferry service for commuters from the west end. There is lower demand in east and west ends of the island, which means you will find lower

rents, or get more square foot for the dollar.

The best time of year to look for housing is in the late summer, as students prepare to leave Bermuda for college and seasonal tourist workers leave the island.

Monthly rental for a studio apartment starts at no less than $1,000. One-bedroom apartments are priced from just under $2,000 to $3,000, with those in the City of Hamilton commanding the highest rent. For a two-bedroom apartment or condominium you’re looking at $3,000 to $4,000 a month. Twobedroom units are the most broadly in demand and are therefore the hardest to find. Waterviews, rural settings, proximity to golf courses and other desirable features such as a swimming pool and tennis court, can push the price to the top of the range, with some wellappointed units going for more than $7,000.

For an executive three or four bedroom family home with nanny quarters, a pool and ocean views, the sky is the limit. Properties in this range usually start at $10,000 and it would not be unusual to see a luxury property at the very top end of the market being advertised for $20,000 a month.

New Resident 2026

PROPERTY The most sought-after properties are stand-alone cottages either on the water or with water views. They are also the most expensive per square foot. If you have your heart set on something like this, consider renting a lesser property to give you time to search for your ‘dream home’, and until something becomes available.

When it comes to the ‘added extras’ for your rental home, be careful to check the lease carefully.

The maintenance of the garden or pool is not always included in the rent, so be sure to ask. Similarly, establish whether you or the landlord will be responsible for the payment of annual property taxes. As a general rule, if the lease is for less than three years, the landlord pays.

If you are renting a condominium, establish whether you will be responsible for the condo association maintenance fees. Generally speaking, the landlord takes care of the exterior of the property and the tenant the interior.

Renting furnished accommodation

+1 441 292 5209

12 Harvey Road, Paget

is often the simplest solution. But if you do choose to bring your furniture with you, remember that you will pay import duty to land it in Bermuda. Most unfurnished properties include major appliances.

There is also a vibrant secondhand market for furniture and household furnishings, in which you may choose to participate as a buyer at the start of your stay in Bermuda or as a seller at the end.

The majority of properties are leased on a monthly basis with rent payable one month in advance,

and with usually a month deposit at the start of the lease against breakages. Such a deposit is not always repayable. You may also be responsible for repainting the walls and ceiling of your rental property before you vacate. Be sure to ask.

Finally, two important points. You need a work permit before a formal lease can be signed. And only one car per household is allowed in Bermuda. So if you plan to buy a car, make sure your rental unit has what is known as an ‘assessment number’ for that property.

www.furniturewalk.com

Furnishing Bermuda with Style, Comfort & Local Heart.

More than just a retailer, Furniture Walk is a local partner in home creation— offering exclusive products like Tempur-Pedic mattresses, customisable furniture lines, and a seamless, stress-free shopping experience from consultation to delivery.

+1 441 292-5212

New Resident 2026

7 Front Street Park Place

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PEST CONTROL

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M ENT S I N C

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2

Inspect.

Protect. Resolve.

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E AG

IV E P E S T M

using a proven, systematic approach designed for long-term results.

It starts with identification. Our experienced technicians inspect your property to determine exactly

YRS

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A

t Bermuda Pest Control, we know effective pest management takes more than a quick spray. For over 70 years, we’ve protected Bermuda homes

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How Bermuda Pest Control Delivers Long-Term Protection

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Beyond the Spray

which pests are present and where they’re hiding — because what works for ants won’t work for termites.

Next comes monitoring. We assess infestation levels, locate entry points, and identify conditions that may be attracting pests, allowing us to see the full picture before treatment begins.

We then apply targeted treatment, customized to your home. From ants and cockroaches to rodents and termites, we use advanced materials and industry-leading methods to eliminate pests at the source.

Flexible service plans are available to suit your needs.

Finally, we evaluate and prevent.

We confirm effectiveness and put preventative measures in place to stop future infestations. Our termite fumigation services are backed by a comprehensive 7-year warranty.

Contact Bermuda Pest Control today for a complimentary inspection and see why Bermudians have trusted us for more than seven decades.

For over 70 years, Bermuda Pest Control has delivered effective pest management solutions to residential and commercial clients across the island. We inspect your property, protect your space with customized treatments, and resolve pest problems at their source to keep your home or business pest-free year-round.

Want to learn more? Give us a call today!

(441) 232-7378 (PEST)

BERMUDA PEST CONTROL

info@pestcontrol.bm | pestcontrol.bm

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New Resident 2026

PROPERTY

Your Piece Of The Rock

H

undreds of people from all over the world have bought homes in Bermuda — some because they chose to retire here, some due to work commitments on the Island, still more for vacation purposes and others for any combination of the above.

Over the decades, property has grown steadily in value while remaining secure due to Bermuda’s history of political and social stability.

There are opportunities for people from abroad to buy grand local houses from about $4 million up to $25 million. There are also some condominiums available to overseas buyers, and these range from roughly $1 million to upwards of $3 million.

Buying here involves a bit of red tape but nothing too onerous. And there is a one-off Government fee for foreign acquisition of a local property of 8% for houses and 6% for condos.

The purpose is an honourable one — to negate the risk of international speculation in the local property market. These figures are likely to rise in the near future, so now is the time to buy.

If a year-round home is more than you need, there are several first-class fractional ownership properties to contemplate.

Whichever option you eventually choose, the current buyer’s market will make the apparently hefty initial investment seem positively shrewd in a few years time.

However, it is the lifestyle rather than the investment opportunity that motivates most buyers of luxury Bermuda homes. And that — the Bermudian way of life — is truly priceless.

New Resident 2026

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Air of Relaxation Your home is your sanctuary. The place where relaxation is the priority.

It should be designed specifically for your comfort.

At AIRCARE, we offer a range of indoor air quality and climate control products and services that are tailored specifically for your comfort and aesthetic. Our systems deliver high-efficiency, whisper quiet operation, and exceptional quality you can trust. Additionally, our maintenance services have been proven to extend the life cycle of your equipment and reduce energy consumption.

Keep the air in your home fresh, clean, controlled and tailored just for you.

To learn more, visit aircare.bm

At AIRCARE, excellence is everyday.

aircare.bm | info@aircare.bm | 292.7342

A/C & AIR QUALITY

Breathe Better at Home Why efficient HVAC systems and clean indoor air matter more than ever

W

hile a home may be defined by its walls, roof, doors, windows, and furnishings, it is the air inside that plays the greatest role in comfort, health, and overall wellbeing.

Heating, Ventilation, and Air Conditioning (HVAC) systems have always been an important consideration for homeowners, but since the COVID-19 pandemic, indoor air quality has become more important than ever.

Older, inefficient HVAC systems can significantly increase energy costs. According to the U.S. Department of Energy, installing energy-efficient units can reduce energy use by up to 50%. Before purchasing an HVAC system, homeowners should consider the following energy-efficiency ratings: • Seasonal Energy Efficiency Ratio (SEER): Measures the cooling output of an air conditioner over a typical season, divided by the energy it uses.

• Heating Seasonal Performance Factor (HSPF): Measures the total heat delivered by a system New Resident 2026

compared to the electricity required to produce it.

• Energy Efficiency Ratio (EER): Compares cooling capacity to power usage under fixed operating conditions, including temperature and humidity.

In all cases, the higher the rating, the greater the efficiency. AIRCARE provides clear energy-efficiency information for every system it supports, helping customers make informed decisions.

Indoor air quality is another critical concern. Viruses, bacteria, mould, allergens, and other pollutants can become airborne and linger indoors. The Environmental Protection Agency reports that indoor air pollution can be up to 100 times higher than outdoor levels.

AIRCARE offers a range of proven, energy-efficient air purification products and services designed to significantly reduce harmful pollutants in the home, along with advanced HVAC systems from leading global manufacturers such as Daikin and Midea.

Regular, professional preventative maintenance is also essential.

Scheduled servicing helps reduce operating costs, maintain efficiency, and prevent unexpected breakdowns. AIRCARE’s proactive approach addresses potential issues early, saving homeowners time, money, and unnecessary stress.

To maximise efficiency, AIRCARE works closely with clients to assess their specific needs. This measured approach includes energy audits, tailored recommendations, integrated system design, installation, testing, and energy management and automation solutions. Once a system is in place, AIRCARE technicians provide ongoing monitoring, custom controls, alerts, and detailed energy-usage reports to demonstrate cost savings and improved indoor comfort.

For more information on improving heating and cooling efficiency, enhancing indoor air quality, and lowering energy costs, visit www.aircare.bm or call 2927342 to arrange a consultation.

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Welcome to Bermuda Your Trusted Partner in Early Detection and Cancer Care.

As you begin life on the island, it’s reassuring to know that evidencebased cancer screening, prevention, and support are close to home.

At Bermuda Cancer and Health Centre, our focus is simple: helping you reduce your cancer risk and ensuring early detection through accessible, high-quality services.

Access for All

Through our Equal Access Fund, funded by community donations, no one is denied screening, diagnostics, or treatment due to financial need.

46 Point Finger Road, Paget Tel: 236-1001 | www.cancer.bm

Prevention & Early Detection • Breast Cancer Screening & Diagnostics Advanced 3D mammography with timely follow-up.

• Cancer Genetic Testing & Counselling Understand hereditary risk and take proactive steps.

• Cancer Prevention Programmes Community education designed to empower healthier choices.

Support on Your Cancer Journey • Cancer Navigation Personalised guidance through screening and diagnostic pathways to make next steps clear.

• On-Island Oncology Services Radiation therapy, specialised oncology nursing and support delivered with clinical alliance at Dana-Farber Brigham Cancer Center.

HEALTH CARE

Cancer Care in Bermuda E A Guide for New and Soon-to-Be Residents

arly detection is one of the most powerful tools in the fight against cancer, and this remains true whether you have lived in Bermuda for years or are newly arrived. If you are moving to the island, understanding how to access screening and specialist care can help you settle in with confidence and stay healthy.

Bermuda Cancer and Health Centre (BCHC), one of Bermuda’s oldest non-profit organisations, has led cancer prevention and early detection efforts for decades.

We were the first to offer local mammography and continue to expand our services. Our breast imaging programme is accredited by the Canadian Association of Radiologists (CAR), reflecting our commitment to care that meets and exceeds international standards.

BCHC also operates Bermuda’s only radiation therapy unit, accredited by the American College of Radiation Oncology (ACRO). Through our radiation alliance with Dana-Farber Brigham Cancer Center, patients receive world-class treatment protocols without the need to leave the island.

New Resident 2026

BCHC is also home to a fulltime, on-site radiologist dedicated exclusively to breast health. Working closely with physicians and patients, our radiologist provides clear explanations of breast changes, direct communication of results, personalised guidance, and reduced wait times. This approach minimises delays and offers reassurance as patients navigate their healthcare in a new environment.

Beyond clinical excellence, BCHC offers practical support specifically designed for newcomers. Our Cancer Navigation Service helps individuals understand a cancer diagnosis, access appropriate specialists, and coordinate care across healthcare teams. We also offer Reduce Your Risk presentations, which share simple daily habits that can lower lifetime cancer risk and provide practical tools for healthy living in Bermuda.

As a registered charity, BCHC subsidises screening, imaging, and radiation therapy through community donations. Our Equal Access Fund ensures that anyone in Bermuda — regardless of insurance status — can access essential

services without delay or copayment. For newcomers navigating new insurance coverage or waiting periods, this support provides invaluable peace of mind.

Getting started with BCHC is straightforward. Once you have established care with a general practitioner, they can refer you for comprehensive breast imaging services, including screening and diagnostic mammograms, breast ultrasounds, image-guided biopsies, and bone density exams. For individuals with a family history of breast, ovarian, prostate, or other hereditary cancers, BCHC also offers genetic testing and counselling — a programme that has been available at the Centre for more than 20 years.

Our certified team helps patients understand their risk, explore preventive strategies, and determine the most appropriate screening pathway.

New to Bermuda? BCHC is here to support you at every stage of your health journey. Visit chc.bm to learn more about our screening programmes, prevention services, and how we can help you stay healthy in your new home.

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HEALTH CARE

In Perfect Health New residents to Bermuda typically have two primary concerns: “What is the quality of health care on the island and what does it cost?”

T

he good news is that the standard of health care here is high. All doctors and dentists must become board certified before they can practice.

We only have one hospital, the King Edward Memorial Hospital (KEMH). A new state-of-the art wing opened here in 2014 at a cost of $247 million. This wing has most of the features and services you would expect in a first-world hospital.

You can sleep easily knowing that your medical needs can be very well taken care of on the island. Most medical conditions and emergencies are treated here, but patients requiring highly specialised treatment, such as heart surgery, are flown to top hospitals in the United States and Canada.

Formal overseas partners include some of the very best hospitals in

Dental care is of a very high standard

the United States such as Johns Hopkins in Baltimore, and, in the Boston area, the Lahey Clinic, Massachusetts General Hospital, Dana Farber Institute, Brigham

& Women’s Hospital, and the Spaulding Rehabilitation Hospital.

In order to receive specialised treatment at any overseas hospital, a patient has to be referred by his

Most medical conditions and emergencies are covered at the KEMH 42

New Resident 2026

HEALTH CARE

King Edward Memorial Hospital (KEMH)

or her doctor. Hopefully, you will never have to be flown overseas for treatment, but if you do, you will be in the care of some of the top medical practitioners in North America.

What you will find, however, New Resident 2026

is that health care in Bermuda is one of the most expensive in the world. A Bermuda Health Council report shows that among OECD (Organisation for Economic Cooperation and Development) countries, only the United States

has a higher cost per capita for health insurance than Bermuda.

Even though Bermuda is a British Overseas Dependent Territory, it has no equivalent to the United Kingdom’s National Health Service.

Instead, every employee must have health insurance. Employers usually pay 50% of the employee’s health insurance, but some pay more as part of the benefits package.

It would be difficult to put a cost on how much a single employee could expect to pay, as health insurance plans vary from company to company. But a new employee could expect the cost to be around $1,500 or more per month. However, this is typically (but not always) shared 50/50 with your employer. If you have a spouse and/or children, they can be added to your health plan, at additional cost of course.

Health plans often include medical, dental, and optical.

You are not free to shop around for your health insurance — you have to enroll with the plan offered by your company. But you are allowed to choose which general practitioner (GP) to see for your health concerns.

The health insurance companies are a good resource in helping choose the right doctor for you.

A doctor’s visit can run anywhere from $100 to $200, depending upon the physician. If your plan does not cover the total cost of a doctor’s visit, and you are being cost-conscious, the insurer can help you choose one with a lower cost.

It is perfectly acceptable to “shop around” to find one that is affordable.

New employees can ask their company’s human resource director what their policy does and does not cover or to contact your insurer for that information.

Prescriptions are another add-on cost. Many plans cover up to 80% of the expense for prescriptions, but you can expect to pay something when you see the pharmacist.

Opticians and optometrists operate privately, and there are resident eye surgeons on the island.

Dental care is of a high standard— from orthodontic treatment to routine maintenance and cleaning.

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SCHOOL REPORT

The Saltus Journey: Prepared to Meet the World.

S

ince 1888, Saltus Grammar School has set the standard for rigorous, world-class private education in Bermuda.

From Junior Kindergarten through to graduation, our academic journey is intentionally structured to challenge, inspire, and empower every learner. As a fully coeducational school for students aged 4–18, we offer a seamless and cohesive educational experience across two stunning campuses.

Saltus is recognized for its dedication to academic excellence and innovation. As an accredited member of the Canadian Accredited Independent Schools (CAIS) and the New England Association of Schools and Colleges (NEASC), and as a certified British Columbia (BC) Offshore School, we uphold standards that are benchmarked against the best in the world. Our commitment to rigorous, researchbased teaching practices ensures that students are consistently challenged and supported at every

stage of their development.

From our youngest learners to our graduating seniors, students are at the centre of everything we do. We are adaptable, innovative, and responsive in our approach to teaching and learning. With educators drawn from Bermuda and around the world, our students benefit daily from their expertise, experience, and passion.

Our values of belonging, respect, integrity, courage, and empathy are woven into daily learning and guide students as they take on increasingly complex academic challenges. Beginning with our Reggio-inspired early years program and extending through the comprehensive academic and cocurricular pathways of our Secondary School, the Saltus experience equips students with the discipline, curiosity, and character to excel.

BC Certified, Future-Ready Saltus proudly delivers the internationally respected and

academically challenging BC Curriculum, one of the world’s most highly regarded education frameworks. Its structured progression, emphasis on foundational skills, and development of core competencies ensure that our students are exceptionally well prepared for university, career, and life. Each year, graduates who earn British Columbia’s Dogwood Diploma gain admission to leading universities around the globe.

Our blend of academic rigour and personalized learning ensures that every student is known, challenged, and supported. This balanced approach helps students build the confidence, adaptability, and analytical skills they need to navigate life beyond our doors.

For nearly 50 years, Saltus has also led the way in Bermuda by offering Advanced Placement (AP) courses. These university-level options allow students to engage with material at the highest level, extend their learning, and further distinguish themselves while completing their BC graduation program.

Equipped with enduring skills, strong values, and a global mindset, Saltus students graduate ready to thrive, prepared not only for their next step, but for a lifetime of achievement anywhere.

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441.295.6153 I www.bhs.bm

Igniting The Flame Within BHS is Bermuda's only school dedicated to the education of girls aged 4-18. For over 130 years, BHS has been an educational leader, empowering all girls to step confidently into the future by offering academic excellence enriched by innovation and taught in a supportive, collaborative community.

SCHOOL REPORT

Staying On The Leading Edge At BHS

B

HS is a powerhouse in education. As early as EYP, our girls embrace the Early Years International Primary Curriculum, infused with a play approach to learning. They transition to the International Primary Curriculum starting in Year 1, taking advantage of speciality offerings unique to BHS, including library, drama, and dance, among others. As they transition into the upper Primary Years, the girls gain broader access to computer-based learning, extra-curricular activities and competitive sports through interschool events. We have found this approach to be the best for creating the environment in which girls learn best.

Upon reaching Secondary, students remain on the English National curriculum, preparing them for I/ GCSE’s and an all-encompassing STEAM approach to learning. This style of learning is enhanced by our Innovation Centre, a state-of-theart hub for cultivating the inquisitive learner.

As they advance to the co-ed Senior Years Programme, students New Resident 2026

have the option of pursuing two internationally recognised study pathways: the A Level curriculum, solely offered at BHS, or the International Baccalaureate curriculum. Our students have had great success in both curricula, consistently achieving above the national standard. Further, BHS is proud to have produced 10 Rhode Scholars in the last 25 years.

To enhance our robust curriculum across all departments, we offer students an opportunity to apply their learning. As Bermuda’s only Round Square School, we feel it is essential

to students’ overall development that they have the opportunity to participate in international travel throughout their time at BHS. This is inclusive of exchanges, service trips, conferences and more. We ensure that these opportunities are available to all, and no student will ever feel discouraged from participating due to financial restrictions.

The collaborative learning environment remains strong on campus through various activities and events throughout the year.

Following our successful turn as co-hosts of the IISPSC’s in 2024, we hosted our inaugural AI Summit in November 2025, highlighting the appropriate use of technology in the ever-changing world. We anticipate AI to continue to be a robust tool, and therefore value the importance of teaching our students, faculty, and the broader community how to use it appropriately and effectively in an educational setting. Both events support our mission to cultivate a dynamic and inclusive learning environment that fosters intellectual curiosity, community consciousness and resilient independence.

Developing well-adjusted and well-rounded human beings holds an equal footing with the academic programme. Alongside our teaching staff, the PSHE curriculum, and our She Speaks series, our team of counsellors offer our students personalised support, putting their mental health at the forefront of their educational journey. This holistic learning environment produces students who step into the community as bold, joyful, confident young people.

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The Montessori IB Continuum At Somersfield, learning is designed as a continuous journey that begins with the curiosity and independence nurtured in our Montessori classrooms and grows into the critical thinking, global awareness, and personal leadership developed through the International Baccalaureate. This infographic highlights how both programmes share a student-centred philosophy, encouraging exploration, inquiry, and real-world action at every stage. From the early years through adolescence, students build confidence, discover their strengths, and learn to view themselves as capable contributors to their community and the wider world.

Montessori

IB

3 - 8 years old

Children explore and lead their learning in developmentally appropriate classrooms.

Teachers guide and assist children in finding their own strengths and capabilities.

9- 18 years old

I NQ U IR Y & E X PLOR A TION

STU DENT C ENTR ED

Consciously seeks to promote a global perspective.

G LOB AL FOCU S Multi-age classrooms allow students the opportunity to model learning and act as mentors for younger students.

LEA DERSH IP DEVELOPMENT

Student questions become the foundation of their inquiry, and drive their excitement to learn.

Teachers empower students with knowledge, leading the student to uncover and discover learning themselves.

Focuses on internationalmindedness. Students see themselves as connected to the global community.

Students are empowered to take action through projects that apply to the real world.

Learn more at mysomersfield.com

SCHOOL REPORT

Building Tomorrow’s Socially Conscious Independent Thinkers

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stablished in 1991 under the guidance of the Montessori Trust, Somersfield Academy has undergone transformative growth, becoming a beacon of educational innovation and progressive thinking. The core philosophy at Somersfield goes beyond traditional academics, aiming to build a generation of students who are not just welleducated but socially aware, compassionate, and independent in thought.

Its commitment to providing a holistic education extends beyond the confines of conventional learning. With an inclusive approach, Somersfield caters to students aged 3 to 18, organised into Montessori, Primary, and Secondary divisions.

The Montessori levels, designed for ages 3 to 9, boast an intimate 12:1 student-to-teacher ratio, contributing to an environment conducive to personalised learning and independent thinking.

Somersfield Academy is an internationally accredited school with 552 students and 98 staff.

It is validated with the Canadian Accredited Independent Schools authority and the International Baccalaureate (IB) Organisation, with a strong association with the American Montessori Society. Its community of over 40 nationalities emphasises its dedication to diversity, equity, and the cultivation of independent thought.

Central to Somersfield Academy's mission is the development of socially conscious individuals. It embraces this responsibility by instilling a global perspective in its students. The inclusion of the New Resident 2026

Middle Years Programme (MYP) within the IB framework exemplifies this commitment. The MYP serves as a bridge, emphasising interdisciplinary studies and critical thinking skills, preparing students not just academically but socially for the challenges of the future.

Somersfield Academy's IB and Montessori complementary continuum is recognised in over 200 countries, which positions it as a global hub for education, creating independent thinkers who are not just aware of global issues but

equipped to address them.

Somersfield Academy employs a rolling admission policy, welcoming new students throughout the academic year. This approach ensures that families, both local and expatriate, can join a dynamic community committed to nurturing socially conscious individuals who think independently and contribute meaningfully to society. For more information, interested parties can contact admissions@somersfield. bm or to see us in action, visit us on Instagram @somersfieldacademy.

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SCHOOL REPORT

Warwick Academy: A Gateway to World-Class International Education

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t Warwick Academy, students are prepared for life in a global community without boundaries. Our post-16 curriculum brings together three internationally recognised qualifications: the International Baccalaureate (IB) Diploma Programme, the IB Careerrelated Programme, and the BTEC Level 3 Subsidiary Diploma.

Together, these pathways represent the gold standard in international education, opening doors to leading universities and career opportunities worldwide.

The IB Diploma Programme challenges students to think critically, conduct in-depth research, and engage with the world around them. Its rigorous academic framework, combined with a strong

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emphasis on creativity, service, and inquiry, has earned the IB global recognition as a benchmark of excellence among top universities.

For students seeking a blend of academic study and careerfocused learning, the IB Careerrelated Programme offers the ideal balance. By combining IB courses with practical, real-world skills, this pathway equips students with both academic credentials and professional readiness — a powerful combination in today’s competitive job market.

Complementing these options, the BTEC Level 3 Subsidiary Diploma provides hands-on, vocational learning recognised internationally by employers and higher education institutions.

Students gain industry-relevant experience while earning qualifications that carry real weight.

These pathways ensure that every Warwick Academy student benefits from an education that is flexible, future-focused, and globally respected. Our results speak for themselves: in 2025, 94% of graduates achieved a place at their first-choice university.

Beyond post-16 study, Warwick Academy offers internationally recognised stepping stones throughout a student’s journey.

IGCSE qualifications benchmark academic standards worldwide, fostering discipline, subject mastery, and critical thinking. In our Primary School, the International Early Years Curriculum and International Primary Curriculum place Warwick Academy at the forefront of international education, combining global standards with high-quality teaching and strong local relevance.

Choose a local and international future. Choose the gold standard.

Choose Warwick Academy.

New Resident 2026

SCHOOL REPORT

MSA is where your family belongs

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hildren tend to thrive academically, socially, and emotionally when they feel they belong. They become more confident, build friendships, and engage more fully in learning.

As a new resident, your child’s need for belonging is even clearer.

The right school can help your entire family establish meaningful connections in Bermuda.

Mount Saint Agnes Academy (MSA) has built a legacy of connection through its “MSA Family” of current students, their families, generations of alumni, and staff.

“Our MSA family is at the core of everything we do,” said MSA Principal, Anna Faria-Machado.

“Your whole family becomes part of our family. In addition to strong academics and faithbased values, we pride ourselves on effective communication and collaboration with our students’ families.”

Learn about how MSA fosters belonging at msa.bm.

New Resident 2026

Find Your Community at MSA From Early Years through Grade 12, students find their place in a welcoming environment where individuality is celebrated and lasting connections are built.

See the difference at msa.bm

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Dr. Jennifer Fullerton ~ Director

Their extended family PROVIDING LOVING CARE SINCE 1960 Full Service Hospital & Mobile Care Reception 236-3292 Emergency Pager 694-0703 168 Middle Road, Devonshire www.Endsmeet.bm

PETS

Bringing your pet to Bermuda

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ravelling to Bermuda with your canine or feline companion requires a bit of planning, but the process is straightforward if you start early enough.

Bermuda is proud to maintain its rabies-free status. As such, the import regulations for companion animals are designed to protect this status, and obtaining an import permit from the Bermuda Government's Department of Environment and Natural Resources is mandatory.

Microchipping Your pet must be implanted with a microchip that can be read by any standard microchip reader. This is typically done at a young age but can be performed by your vet at any time. An ID chip is a prerequisite for entry.

Rabies Vaccination Requirements If you are arriving directly from the United Kingdom, Australia, New Zealand, or Jamaica, your pet can enter without a rabies vaccination.

New Resident 2026

However, for those travelling from the United States, Canada, or other countries where rabies is present, your pet must have received rabies vaccinations.

To qualify for entry into Bermuda, your pet must have had two rabies vaccinations, with a minimum sixmonth interval between them. The most recent vaccination must have been administered at least 30 days before arrival. If your pet has never been vaccinated for rabies, you will need at least seven months to meet these requirements. If your pet has been receiving annual rabies vaccinations, confirm with your vet that there has been no lapse in coverage and that two vaccinations have been administered.

Veterinary Health Certificate Once your pet meets the rabies requirements, your local vet can address the other entry criteria during a single visit.

You will need a veterinary health certificate issued within 10 days of your arrival in Bermuda. This

certificate must state that your pet is free from communicable diseases and external parasites. It should also include your pet’s name, date of birth, breed, description, and microchip number, along with your name and address. Additionally, your vet must apply a tick preventative to your pet and specify the medication used on the certificate.

Submitting Your Application With your rabies vaccination records, health certificate, and a completed import application form (available on the Bermuda Department of Environment website), you can email the documents to the Department of Environment and Natural Resources.

They will issue the import permit via email, typically within 24 to 48 hours.

For more information and to download the required forms, visit the Bermuda Government Ministry of the Environment website at www. gov.bm/online-services/importdog-or-cat.

For local veterinary services, visit www.endsmeet.bm or call 236-3292.

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PETS

Bermuda's newest 'old' animal care facility

E a pawfect pet paradise…

We’ve been serving Bermuda’s pet population since 1971.

We provide preventative medicine, routine and advanced surgeries, and 24-hour emergency services in a compassionate and competent manner.

We would love for you to come and join our family at Ettrick and experience our service including: • Fully equipped modern hospital with a wide, spacious, inviting reception • • Bermuda’s most experienced nurse and veterinarian team • • Mobile home service available • • Experience in relocating pets to/from most international locations • • Boarding facilities for dogs and cats •

Join our family Monday – Saturday 8am –Road, 6pm Bermuda Ettrick Animal Hospital, 75 Middle 24 hour emergency service operating 365 days a year | 441-236-0007 F Ettrick Animal Hospital | I @ettrickhospital | info@ettrick.bm

ettrick.bm

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ttrick Animal Hospital was founded in 1974 as a family-run practice and has retained that family feeling despite continual updates to its equipment and facilities — including a multimillion-dollar renovation and expansion project completed in 2021.

The “new” Ettrick is now a 7,000+ sq. ft. modern hospital and boarding facility, thoughtfully designed with your pet in mind.

The design and engineering incorporate the latest recommendations for comfort, safety, health, and efficiency. This animal-centric approach creates a calmer, less stressful environment for both pets and their owners.

While a modern veterinary facility is important, it is the staff who truly make a hospital successful. Ettrick is proud to have the most experienced team of veterinarians and nurses on the island, providing full-service care 24 hours a day.

All Ettrick veterinarians are equipped to handle both routine and emergency needs. After hours, an on-call vet answers the phone, ensuring immediate access to medical expertise. This allows pet owners to receive guidance right away and determine whether an emergency visit, surgery, or hospitalisation is required.

Ettrick also has extensive experience in the relocation of animals to and from the island, regularly assisting owners with the paperwork and requirements needed for travel.

A warm welcome awaits at Ettrick Animal Hospital. Meet the team and explore Ettrick’s full range of services at www.ettrick. bm

PETS

Sago Palm

Pets Beware Watch out for these critters and plants to keep your pet safe

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e don’t have snakes or coyotes in Bermuda, but that doesn’t mean we don’t have critters that could harm your pet.

You are allowed to walk your dog on a leash on public beaches in the winter months; if you do, watch out for Portuguese Man-O-War, a jellyfish-like ocean creature that floats on the surface of the water and often washes ashore. The long tentacles pack a mighty sting and pose a serious threat to people and pets. If stung, adults often have to make a hospital visit, and your pet may require immediate attention from a vet.

Another small animal to look out for is the Bermuda toad. These can grow quite large and are toxic to dogs. Don’t let your dog pick up a toad with its mouth. Plus, certain toads also secrete a deadly toxin through their skin, so just licking or touching a toad could require emergency attention. Symptoms may include severe drooling, head shaking, pawing at the mouth or eyes, diarrhea, difficulty breathing, and, in severe cases, seizures and collapse.

Not quite so dangerous, but still to be avoided, are lizards, tree frogs, and snails. Sometimes pets can get Liver Fluke from chasing or eating these small creatures. The severity of symptoms depends on the severity of infection.

We have very few flying insects in Bermuda, but mosquitoes can be a problem in the summer months.

If your dog is bitten, it may lead to

heartworm. We suggest you consult with your veterinarian on the best mosquito repellents and heartworm treatments for your pet.

Dogs are sometimes tempted to chew on or eat plants. Be especially vigilante that your pet doesn’t chew on Sago palms, which have toxic properties. Severe liver damage and death can occur. Also, you’ll see Oleander hedges along the roadside and in gardens throughout the island.

They may look pretty, but Oleander is poisonous to many species, including cats and dogs. There have even been cases on the Island where cows have died from ingesting Oleander.

Finally, our tropical, humid climate can cause ear infections in floppyeared dogs and those with excessive hair growth in the ear. Get your groomer to trim hair in the outerear canal or ask your veterinarian for the proper technique to do this yourself. Also ask your vet for recommendations on keeping your dog’s ears dry and on how often you should clean them.

Portuguese Man-O-War New Resident 2026

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TRANSPORTATION

The effortless way to get on the road on a scooter or motorcycle

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cooter Mart provides a hassle-free, one-stop shop service to buy a bike, get it licensed and insured, and to obtain your Bermuda driver’s license Many new residents wonder about the best way to get around the island — bus, taxi, car, bike or ferry. Quite quickly, they conclude that a scooter or motorbike is the most cost effective and convenient way to travel — which is why you see so many of them on our roads.

Getting on Bermuda's roads may at first seem daunting for newcomers, but Scooter Mart

A brand new bike will cost less than 10% of the cost of a car simplifies the process from start to finish. Its comprehensive services transform the hassle of acquiring and licensing a scooter and obtaining your local driver’s license, into a seamless experience. Scooter Mart is your dedicated guide through the intricacies of paperwork, tests, and appointments—it’s like having your own personal concierge for your transport needs.

Why a bike?

A brand new bike will cost less than 10% of the cost of a car; license fees are from $99 to $158 depending on the size of the bike, compared with $304 to $1,678 for a car; insurance is less expensive; and of course, you’ll spend far less on gas. There’s plenty of free bike parking everywhere in Hamilton, whereas it can cost up to $20 a day to park a car. And to license a car, there’s the added complication of needing a house ‘assessment’ number, because only one car per household is allowed in Bermuda, and your landlord may 56

A scooter or motorbike is the most cost effective and convenient way to travel

or may not be able to provide you with an appropriate assessment number, which is how the policy of restricting car ownership is controlled.

For a couple and families who do choose a car, they often find that they need two vehicles. And without the possibility of being able to own two cars, a bike becomes the only other option.

Get on the road now You will need a Bermuda driver’s license to ride a private bike on the island — international driver’s licenses are not accepted in Bermuda. However, there is some good news. Scooter Mart will rent a bike to you for as little as $13 a day, based on a 28 day rental, provide a helmet, road safety instructions, riding practice and advice free of charge, and get you on the road on your first day on the island. All you need is ID, be over 18 years of age and have a driver’s license from

another country. Having a rental scooter immediately will change your life and make it possible to get around to all those errands and appointments you must deal with as you settle in to island life. What’s more, when the time comes to purchase your own bike, Scooter Mart will provide you with a credit of 15% of the cost of your rental bike towards a new bike — and that’s unlimited, whether you rent a bike for a day, a week, a month or more.

Choosing the perfect bike Now you have temporary transportation, you can take your time in choosing the right motorcycle or scooter to purchase.

Visit www.scootermart.bm, stop by Scooter Mart showrooms on Church Street in the centre of Hamilton or on Lover’s Lane in Paget. Browse through the inventory, see what you feel comfortable on. Sit on the wide range you’ll find, kick the tires,

EASY STEPS TO GET ON THE ROAD Renting a bike at Scooter Mart or Elbow Beach Cycles gets you on the road on day 1 • ⚫Choose your new bike at Scooter Mart and put down a $500 deposit • Scooter Mart will set up appointments to obtain your driver’s license Step 1: Brief medical exam Step 2: Quick computer-based test at TCD Step 3: Practical riding test at TCD • Ride off on your new bike from Scooter Mart New Resident 2026

TRANSPORTATION and take some for a test drive. You may need something small and light, or a larger, more spacious bike. Something sporty and cool, or something practical. Scooter Mart offers financing and can also help provide all the necessary accessories — helmet, rain suit, remote locks, anti-theft devices, a top box for storage — literally everything you need, with package discounts available.

Bike parking in Hamilton is free.

It can cost up to $20 to park a car Select your bike, and put down a $500 deposit, and then be assured that your bike is reserved just for you and will be waiting for you once you have your Bermuda driver’s license. Important note: You don’t need to have obtained your Bermuda driver’s license to reserve your scooter. It is recommended that you reserve the bike and colour you want as early as possible as inventory can often be unpredictable on this small island.

Easy steps to obtain your license Now that you have chosen your bike, Scooter Mart will guide you and be with you every step of the way to help you obtain your Bermuda driver’s license.

STEP 1: Brief medical examination. Firstly, you’ll need to take a very short medical at any local doctor’s office. Several doctor’s offices, such as Hamilton Medical Centre (www.hmc.bm) offer this as a walk-in service.

Alternatively, Scooter Mart will make an appointment for you somewhere close to your workplace.

STEP 2: Quick computer-based multiple-choice test at TCD. Next, you’ll take your (1) medical certificate, (2) passport, and (3) work permit copy, to TCD (Transport Control Department) www.etcd.gov. bm where you’ll be asked to take a quick computerNew Resident 2026

Bike parking in Hamilton is free. It can cost up to $20 to park a car

based multiple choice test.

TCD do take “walk-ins” for this test, but it’s usually a good idea to call ahead and schedule an appointment. The test only takes 10-15 minutes, and could be done in your lunchtime. Again, Scooter Mart will make that appointment on your behalf. Once you’ve passed this test, TCD will take your photograph and issue you with a learner’s permit.

STEP 3: Practical riding test at TCD. Now you’re able to schedule the final step of the process, the practical riding test, to prove that you’re proficient in riding a motorcycle. The friendly Scooter Mart team is always happy to help provide some clarity on the test, safe riding tips and explain what Renting a bike gets you on the road on day 1

the test examiners will be looking for. If you would prefer to have one or two riding lessons prior to the test, Scooter Mart can recommend some professional instructors to help you practice and gain confidence before your test.

Unfortunately, you cannot take the practical test on a rental scooter, nor can you ride another bike to TCD (because you don’t have a driver’s license yet). The good news is that Scooter Mart will deliver a bike to TCD (for free!) on which you can take this test.

Scooter Mart will even bring a helmet for you to wear.

That’s it!

Once you’ve passed this test, you’re done! TCD will now issue you with your Bermuda driver’s license which will be valid for 10 years.

Now you’re ready to take delivery of your brandnew bike from Scooter Mart. Scooter Mart is an agent for all the local insurance firms and can arrange all other matters for you in-house. With Scooter Mart’s Best Price Guarantee policy, you can shop with ease knowing you’re getting the best deal available in Bermuda.

And you’re off! Go explore and immerse yourself in this beautiful island paradise the Bermudian way — on a scooter.

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240 Dorado

29 Sun Top

2 Mills Creek Lane (441) 295-9950

www.marinelocker.com

salesmanager@marinelocker.com

d service years of truste

“Over 40 years of trusted service, style and precision.

Call or email us for a personal test on our world class boats.

Bermuda is better on the water, let us help you get there.”

BOATING

Unchartered Experiences Await

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here isn’t much, watersportswise, that you can’t do in Bermuda — except ice fishing.

The waters are remarkably clear and warm, and the winds are among the most favourable in the world for sailing. It’s no coincidence that Bermuda was chosen to host the 35th America’s Cup in 2017, placing the island firmly on the global sailing map.

That event transformed Bermuda’s international profile.

During the month-long racing, more than 30,000 spectators arrived from around the world, alongside dozens of superyachts carrying owners and guests who converged on the island to experience the spectacle firsthand. The legacy of the America’s Cup lives on today — not only in memories, but in improved marinas, enhanced boating infrastructure, and a renewed global reputation for excellence on the water.

Today, Bermuda is also one of the select international venues for the SailGP global sailing league, where the world’s top sailors race wingsailed foiling catamarans at speeds exceeding 50 mph. These headline events reinforce what locals already know: Bermuda is, quite simply, a boater’s paradise.

New Resident 2026

For residents, boating quickly becomes a way of life. With so many options for enjoying the water, there’s little reason to spend weekends on dry land. Whether it’s a relaxed cocktail cruise at sunset, anchoring for a day of swimming and sunbathing, or something more energetic — fishing, water skiing, wake surfing, wakeboarding, or tubing — boating brings families and friends together and creates lasting memories.

Although Bermuda’s land mass spans only a few square miles, its surrounding waters offer a sense of freedom and space that feels almost limitless. Cruising the coastline provides an entirely different perspective on island life and allows you to see Bermuda in a way that simply isn’t possible from shore.

For those considering boat ownership, a little planning goes a long way. Start by deciding how you plan to use your boat — for family leisure, fishing, watersports, or sailing — then consider size, style, and budget. Working with an established local dealer, such as Marine Locker (www.marinelocker. com), can make the process far smoother. While no boat is entirely trouble-free, buying locally provides

reassurance through warranties, service support, and expert advice tailored to Bermuda’s conditions.

Joining a boat club is another great way to immerse yourself in the island’s boating community.

Clubs such as the Royal Bermuda Yacht Club, Royal Hamilton Amateur Dinghy Club, Spanish Point Boat Club, St. George’s Dinghy and Sports Club, and Sandys Boat Club offer regular sailing events and welcome both sailors and motor boaters.

Keen anglers may also wish to join the Bermuda Anglers Club (www. bermudaanglersclub.com), which brings together members of all ages, with a particular focus on junior anglers and families.

Boat ownership does come with responsibilities. The Bermuda Government’s Department of Marine and Ports oversees commercial and recreational boat traffic and mooring regulations, and the Royal Bermuda Regiment Coast Guard is charged with maritime safety, law enforcement, and search-andrescue operations in Bermuda’s waters. Owners should also plan carefully for hurricane season, which runs from June 1st to November 30th, seeking guidance from insurers, dealers, or boat clubs to ensure vessels are properly secured or hauled when necessary.

Finally, when enjoying Bermuda’s waters, it’s vital to protect the environment that makes boating here so special. Never throw anything overboard, especially plastics or fishing line, which can seriously harm marine life. Reduce plastic use where possible, recycle, and dispose of waste ashore.

Bermuda’s coral reefs are a national treasure and an essential part of a fragile ecosystem — easily damaged by anchors, hulls, and propellers — so care and awareness on the water are essential.

Boating in Bermuda is more than a pastime. It’s an invitation to explore, connect, and experience the island from an entirely new perspective.

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DINING BERMUDA LEAD ER S

OF

I N N OVAT I O N

I N

D I N I N G

ACHILLES

AURORA

BLÛ BAR & GRILL

441-297-1717 www.achilles.bm

441-232-8686 www.aurora.bm

441-232-2323 www.blu.bm

FOURWAYS

HARBOURFRONT

LA TRATTORIA

441-236-6517 www.fourways.bm

441-295-4207 www.harbourfront.bm

441-295-1877 www.latrattoria.bm

LITTLE VENICE

L’ORIENTAL

SUL VERDE

441-295-3503 www.littlevenice.bm

441-296-4477 www.loriental.bm

441-298-6983 www.bermuda@rosewoodhotels.com

WHY DINE ANYWHERE ELSE? 441-295-8279

|

W W W. D I N I N G B E R M U DA . C O M

DINING

Eating Out

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rom English pub classics to French gourmet cuisine — and almost everything in between — Bermuda offers an outstanding dining scene that rewards curiosity and repeat visits. Whether you’re eating out for a special occasion or a casual midweek meal, the island’s restaurants deliver quality, creativity, and warm hospitality. And when it comes to drinking well, many of Bermuda’s best establishments boast excellent wine lists and expertly crafted cocktails to match their menus.

Local seafood plays a starring role on menus across the island.

While Bermuda lobster remains a seasonal favourite (available only in months with an “R”), diners will also regularly find rockfish, tuna, and wahoo prepared in ways that reflect both local tradition and international influence. And no introduction to Bermudian dining would be complete without mentioning the island’s famous fish sandwich — a muchloved staple, fiercely debated and enjoyed by locals and visitors alike.

Beyond the sea, many restaurants proudly source ingredients from local farmers whenever possible, showcasing fresh Bermudian vegetables, fruits, herbs, and seasonal produce. This commitment to local sourcing not only supports the island’s agricultural community, but also ensures vibrant flavours and freshness on the plate.

Whether you’re rediscovering a longtime favourite or trying somewhere new, eating out in Bermuda is about more than just the meal — it’s about supporting local businesses, celebrating local ingredients, and enjoying the shared pleasure of good food done well. $ less than $40 $$ $40 to $50 $$$ $50 to $60 $$$$ $60 to $80 $$$$$ $90 plus

IN HAMILTON Café 4. Windsor Place, 18 Queen Street, Hamilton. 295-8444. $.

New Resident 2026

www.cafe4.bm. Stylish and sophisticated take out of organic, local, fresh dishes. Offers homemade bread, healthy soups and a make-your-own pasta bar with Keto diet options. Best of Bermuda’s winner of Best Salad Bar for a number of years. Enjoy the indoor/ outdoor dining facility.

Harbourfront. At the BUEI, 40 Crow Lane, Pembroke. 295-4207. $$$$. www.harbourfront.bm. Reservations recommended. Smart casual.

Offers a varied menu featuring a selection of the freshest fish and seafood in addition to outstanding meats, fusion dishes created by management and award-winning sushi. Enjoy perfect harbour views and the beautifully renovated Coral Lounge.

La Trattoria. 23 Washington Lane, Hamilton. 295-1877. $$. www.latrattoria.bm. One of Bermuda’s longest standing restaurants and a favourite of locals and visitors alike. Perfectly placed in the heart of Hamilton, makes it the ideal restaurant for a romantic dinner for two or a gathering with friends. This festive trattoria has the island’s first and authentic woodburning pizza oven as a centrepiece and is recognized as best in Bermuda for their hearty Italian food, and warm, kid-friendly environment, all at an extraordinary value.

Little Venice. 32 Bermudiana

Road, Hamilton. 295-3503. www. littlevenice. bm. $$$. Reservations recommended. Smart casual.

Bermuda’s first and most famous Italian restaurant, celebrating over fifty years of fabulous service, fine food and meticulously prepared classic and contemporary regional

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DINING Italian specialties. Enjoy fabulous wine and tasty bites with the incrowd at the adjacent Wine Bar. L’Oriental. 32 Bermudiana Road, Hamilton (above Little Venice).

296-4477. www.loriental.bm. $$.

Reservations recommended.

Smart casual. The only place to get the best Oriental Fusion cuisine, featuring a welcoming Sushi Bar and Bermuda’s only Teppanyaki table.

Seating available inside under the exquisite Pagoda or outside under the stars.

L’Oriental Express. We’ve got you covered! L’Oriental Express is in the heartbeat of the urban community, on the corner of Church Street and Par-La-Ville Road. 296-7475. $.

Offering everything from soup and sushi, to wraps and sandwiches, to amazing salads and daily hot food specials. We have a pasta Bar plus specialty coffees, teas and smoothies – the selection is unbeatable.

OUT OF TOWN Achilles. 33 Sea Venture Landing, St. Georges. 297-1717 www.achilles.bm $$$ This modern tavern on the sea located close to the historic town of St. Georges serves authentic dishes from the “MediterrAsian” worlds.

The stunning location is opposite Fort St Catherine’s, overlooking the picturesque Achilles Bay. The restaurant has outstanding sea

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views with a menu showcasing classic preparations focused on simplicity, high quality ingredients, colours and spices from two continents.

Aurora. 27 Harbour Road, Paget (at Newstead hotel) T 441-2328686. www. aurora.bm $$$ Winner of ‘Best Seafood Restaurant in Bermuda’ 3 times, Aurora’s seasonal menu features fresh local seafood and produce from Bermuda’s best fishermen and farmers. We are committed to sourcing sustainable ingredients from local suppliers, ocean to table.

Bella Vista Bar & Grill. Port Royal Golf Course, Southampton, 2320100. $$ Join us for lunch, dinner, and drinks and find out for yourself why Bella Vista Bar & Grill is the #1 ranked among all of Bermuda’s West End restaurants.

Blû Bar & Grill. 25 Belmont Hills Drive, Warwick. 232-2323. www. blu.bm. $$$$. Reservations recommended. Smart casual. Bold American cuisine with generous Italian and Asian influences that will satisfy any palette. Overlooks picturesque Hamilton Harbour and the Great Sound.

Bone Fish Bar & Grill. 2 Dockyard Terrace, Dockyard. 234-5151. $$ Reasonable-priced menu filled with seafood, top-grade meat (the only smoker in the west end) homemade pastas, great wine list, draft beer,

and desserts to die for. Open for lunch and dinner 7 days a week.

11:30am to 10:30pm.

Café Amici. Clock Tower Mall, Dockyard, 234-5009, $$ Italian family-style restaurant in the heart of historic Dockyard offering a friendly, intimate atmosphere and simple, uncomplicated and affordable Italian cuisine. Open 7 days a week..

Fourways Inn. 1 Middle Road, Paget.

236-6517. www.fourways.bm. $$$$.

Reservations recommended. Smart.

The Grande Dame of Bermuda’s restaurants, famous for its celebrity guest list, renowned menus, signature dishes and Bermuda’s most lavish Sunday brunch. Live piano music in the evenings and the most extensive wine cellar on the island.

Sul Verde. Rosewood Bermuda, Hamilton Parish. 298-6983. www.rosewoodhotels.com. $$$.

Reservations recommended. Sul Verde brings the spirit of Southern Italy to the fairways, celebrating the simple, authentic flavors of Campania in a convivial setting.

Delectable cheeses, pasta, bread, and sausages are prepared in-house using the finest ingredients. Next door, the Bar at Sul Verde offers a selection of fine Italian wines, as well as refreshing classics from an Aperol spritz to the signature Negronina, a riff on the classic negroni.

New Resident 2026