SMALL ISLAND, big impact
Despite its size, Bermuda stands as a global leader in business and financial services.
sSpanning just 21 square miles, Bermuda stands as a dynamic hub for international business. Within the capital city of Hamilton — where pastel-hued buildings, ornate balconies, and palm-lined streets create a picturesque setting — billions of dollars move through the economy each day, driving global trade and financial activity.
The notion that such a small Atlantic jurisdiction could stand as one of the world’s premier insurance and reinsurance hubs, supporting over half a million jobs worldwide, seems almost incredulous. Yet, despite its
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The Bermuda dollar is on par with the U.S. dollar, further facilitating financial transactions.
diminutive physical scale, Bermuda wields a significant economic impact — one that is only increasing amid an evolving regulatory landscape and rapid globalisation.
Offering robust yet pragmatic regulation, capital efficiency, world-class talent, and leading markets for risk and insurance, highnet-worth services, climate risk solutions/ asset management, technology, or infrastructure, Bermuda appeals to companies and entrepreneurs looking to relocate to a jurisdiction whose quality of life matches its business opportunities.
Innovation and collaboration are key to Bermuda’s corporate success, and agile teamwork between Bermuda’s industry,
government, and regulators underscores Bermuda’s status as a top-tier international financial centre.
Cutting-Edge Infrastructure
As the oldest of the British Overseas Territories, Bermuda has consistently leveraged a combination of unique elements to streamline business operations.
For instance, English serves as the global lingua franca, a standard seen in many business hubs worldwide. The Bermuda dollar is on par with the U.S. dollar, further facilitating financial transactions. Positioned 650 miles off the U.S. East Coast, Bermuda strategically bridges North American and European markets, with direct daily flights to major cities. As a result, Bermuda emerges as a formidable player in the realm of international commerce, punching well above its weight.
As a blue-chip financial services jurisdiction, Bermuda remains committed to cooperation and compliance with global tax standards while remaining competitive and retaining its value proposition.
But that’s not the primary reason for Bermuda’s attraction to most global companies; rather, the island’s world-respected regulation, its compliance and global leadership with anti-money laundering and antiterrorism financing standards, its mature cluster of expertise, one-stop-shop appeal, and its speed to market are the key drivers.
Bermuda’s infrastructure is advanced, including excellent telecommunications and a fully electronic stock exchange. A full member of the World Federation of Exchanges (which held its first general assembly and annual meeting in Bermuda in 2023) and affiliate member of the International Organisation of Securities Commissions (IOSCO), the Bermuda Stock Exchange (BSX)
Bermuda Coders: From Island Innovation to Global Impact
This innovative initiative is equipping locals with the skills to shape the island’s future in technology and economic growth.
Courtesy of Bermuda Government –Economic Development Department
Launched in November 2024, the Bermuda Coders Initiative is reshaping the island’s digital landscape, empowering Bermudians with the programming skills needed to drive the island’s tech economy and strengthen its position as a global leader in technology regulation. This ambitious threeyear initiative brings together participants from various walks of life, exemplifying Bermuda’s collective commitment to innovation and collaboration. And best of all, the entire programme is free of charge to participants.
As part of a strategic partnership with the United Arab Emirates (UAE), Bermuda Coders builds on the UAE’s “One Million Coders” programme, which has successfully upskilled thousands of participants across the globe. By taking part in and completing the learning tracks, Bermudians will be joining 112,044 graduates worldwide. Bermuda Coders offers free access to four learning tracks for participants to choose from: Artificial Intelligence, Programming, Data Science, and App Development. Each course combines hands-on learning with tutoring and peer support, exemplifying the government’s
commitment to driving inclusive growth and opportunity for all Bermudians.
Inclusivity lies at the heart of the programme, with hundreds of Bermudians of all ages already embracing the exciting opportunity. From schools and community organisations to businesses and public service entities, participants across the island are making use of this accessible and transformative initiative.
Led by the Economic Development Department, Bermuda Coders is pivotal to the island’s strategy for economic diversification and workforce expansion, as outlined in the Economic Development Strategy 2023–2027.
“This initiative directly supports our economic development goals by creating a skilled workforce ready to meet the demands of a rapidly evolving tech landscape,” said Minister of Economy and Labour, the Hon. Jason Hayward, JP, MP. “By equipping Bermudians with cuttingedge skills, we are not only attracting global investment but also building a resilient and sustainable local economy.”
Acting Minister of Education, the Hon. Crystal Caesar, JP, MP, added, “By making technology not only accessible but also engaging, we aim to empower the next generation to shape its own future and contribute meaningfully to our nation’s prosperity.”
“As part of our ongoing efforts to enhance digital skills within the Public Service, we are pleased to support the Bermuda Coders programme,” said Cherie Whitter, head of the Public Service. “This programme is one of several training initiatives aimed at developing a more tech-savvy workforce, which will contribute to smarter services and better solutions for our community.”
For more information, go to www.bermudacoders.com today and join the movement!
is recognised for commercially sensible listing requirements. It represents a leading market for the listing of investment funds, debt- and insurance-related securities, and those of small to medium enterprise firms.
Bermuda’s Connectivity
Due to its strategic mid-Atlantic location and renowned reputation for security and growth, Bermuda enjoys key trade relationships with the United States, Canada, the United Kingdom, continental Europe, and Asia.
In addition, Bermuda is well trusted by the global financial community. In 2016, Bermuda became one of just two non–European Union jurisdictions to win full equivalency under Europe’s Solvency II Directive regulating commercial reinsurers. The decision by the European Parliament highlighted its faith in Bermuda’s ability to regulate to the highest standards.
Bermuda is also ranked as a “reciprocal jurisdiction,” a new designation introduced in 2019, in addition to being a “qualified jurisdiction,” on the other side of the Atlantic
by the U.S. National Association of Insurance Commissioners (NAIC).
Industries and Talent: A Diverse Spectrum
Bermuda is home to a wealth of worldclass talent. Within the two-square-mile City of Hamilton are leading accounting firms, along with auditors, financial advisers,
lawyers, IT specialists, actuaries, reinsurance underwriters, brokers, fund administrators, corporate secretaries, and a full gamut of support services. These quality financial intermediaries have a decades-long history of collaboration, which differentiates Bermuda from other business destinations.
Established in 1969, the world-respected Bermuda Monetary Authority (BMA)
Built to Last
Centuries-old island traditions have naturally embraced modern sustainability and climate-conscious design.
Courtesy of OBM International
The warmest year on record worldwide was 2024. Communities across the globe have suffered searing heat, flash floods, massive firestorms, volcanic activity, and earthquakes as the effects of global warming continue to manifest. As a result, communities are responding to these threats by creating sustainable, resilient developments and
environmentally sensitive infrastructure. While Bermuda has also taken note of these practices, many of the strategies being used overseas have been used in our natural pattern of development for over 400 years.
Despite excessive heat in many parts of the world last year, Bermuda experienced only a modest increase of 2 degrees Fahrenheit in our typical summer temperatures (average 85 degrees). Our yearly temperatures are guided by ocean currents, and as the Gulf Stream continues to circulate, Bermuda will likely remain a comfortable temperature.
With a typical monthly rainfall of four to five inches per month, Bermuda’s gardens and trees respond with verdant growth and sprawling canopies of rich green leaves and
To further protect against flooding, structures are rarely built within floodplains or other low-lying areas. Generations of seafaring Bermudians have taken note of the tide patterns, especially the “King Tides” — when the normal tidal flow is increased by 12 to 24 inches in height — and have positioned homes on the edge of hills rather than in lower areas.
Bermudians have long considered the terrible power of natural disasters in the construction of our buildings as well. Since 1712, when a major hurricane demolished all island structures not otherwise made of local Bermuda stone, buildings have been constructed using either natural limestone or, more recently, concrete block or masonry units, resulting in walls that are rugged, noncombustible, and insulative. The traditional roof angle used in Bermudian construction is also informed by nature, pitched at the proper angles to resist damage by hurricane winds.
Our structures will endure the current climate emergency and provide a safe, comfortable sanctuary for families for years to come.
brilliant-coloured flowers. This provides ample shade, further reducing temperatures while consuming carbon dioxide and adding precious oxygen into the atmosphere.
Though the island had its fill of rain in 2024, traditional Bermuda water tanks (cisterns) found in each home also regularly harvest this essential resource. Water tanks are a vital part of island resiliency, as they provide a steady source of potable and grey water, especially in the aftermath of a seasonal hurricane.
For over 87 years, the founders and generations of designers at OBMI have taken note of the lessons to be learned from our surrounding environment in order to create our own unique, contextual, and resilient architectural designs. The integration of architecture, interior design, and landscape architecture provides a fully integrated design approach that seeks to provide the best of modern sustainable practices whilst utilising the natural environmental benefits all around us. By blending OBMI design principles with the latest International Building Codes, our structures will endure the current climate emergency and provide a safe, comfortable sanctuary for families for years to come.
Start, Invest, and Stay in Bermuda
If you are interested in setting up shop here, Bermuda Business Development Agency’s (BDA) dedicated concierge staff is here to help connect you with everyone you need. Visit www.bda.bm/conciergebusiness-services for more information or e-mail info@bda.bm to start doing more business in Bermuda.
The BDA is also the primary point of contact for government’s Economic Investment Residential Certificate (EIRC). EIRC enables individuals, plus their spouse and children, to invest $2.5 million in Bermuda and receive immediate residency rights upon approval.
celebrated 55 years of service in 2024 and underpins Bermuda’s success as a top financial services centre. Responsible for overseeing all financial enterprises, as well as issuing the island’s currency, the BMA works closely with industry, government, and international regulatory bodies to keep its approach responsive and contemporary.
The BMA’s sophistication as a commercial insurance regulator speeds capital to market and take on global insurance risk. Responsive legislative updates also keep Bermuda at the forefront of corporate governance.
Bermuda’s international business sector counts an estimated 4,927 international business employees who contribute directly to all economic sectors. According to Bermuda’s latest National Economic Report, international business contributed the greatest amount to Bermuda’s economy, providing $1.172 billion in total output, or 29 percent of total GDP. The Department of Statistics estimates that in the first six months of 2023, the foreign exchange earnings of the international companies increased by $56 million to $1.24 billion, representing a growth of 10.6 percent.
Bermuda’s economic model also supports hundreds of thousands of jobs globally, including in the United States (our closest and largest trading partner), Canada, and the United Kingdom through trade, foreign direct investment, and portfolio investment capacity.
The biggest engine for Bermuda’s own economy is the insurance industry, which traces its roots back to the 1960s, when the world’s first captive (self-insurance) companies were established. Today, Bermuda is a captive market’s global leader, recognised for its maturity, strength, and endurance. Ensuring the risks of mostly Fortune 500 companies,
captives help corporations rein in costs and mitigate risk; they are also becoming increasingly popular tools for wealth preservation and succession planning for high-net-worth individuals and family offices.
The mid-1980s saw the establishment of global commercial insurers and reinsurers, followed in the 1990s and early 2000s by consecutive capital-rich waves of “big cats” — or property-catastrophe specialist firms. These followed high-severity events like Florida’s Hurricane Andrew and 9/11, providing critical capacity to the insurance marketplace and transforming Bermuda as a result.
Ranked alongside New York and London as a (re)insurance centre of excellence, Bermuda has the most important Property and Casualty (P&C) market and is the largest supplier of that type of reinsurance to the United States. Since 1997, Bermuda’s commercial (re)insurers have paid out over half a trillion dollars to policyholders and cedants in the U.S., European Union, and U.K. In addition
to being the self-styled world’s risk capital, Bermuda is also fast becoming the world’s climate risk solutions capital. Today, Bermuda represents over 35 percent of the global property and casualty reinsurance market. The island is a pivotal player in mitigating climate risk and building resilience for people, communities, and businesses all over the world, including in disaster-prone developing countries that often lack insurance coverage,
helping to close the global protection gap.
But insurance is not the only industry powering Bermuda’s economy. The domicile was one of the first international trust jurisdictions and today is a premier centre for trusts, wealth management, and private-client structures. It is also a major asset-management centre, with numerous funds, fund managers, and fund administration companies represented, especially Insurance Linked Securities (ILS).
Shipowners and ship-management companies also form a key sector, along with a full range of maritime services; and Bermuda’s registry for superyachts, tankers, cruise ships, and vessels of all types is renowned as a Class 1 member of the prestigious British Red Ensign Group. The island’s aircraft registry is similarly known since its establishment in 1931 for high safety standards and regulatory oversight.
Numerous new industries are also choosing Bermuda as a home jurisdiction, diver-
Useful Business Contacts
The Bank of N.T. Butterfield & Son Limited
Tel: 295-1111 www.butterfieldgroup.com
Bermuda Broadcasting Company Limited
Tel: 295-2828 www.bermudabroadcasting.com
Bermuda Business Development Agency (BDA) Tel: 292-0632 www.bda.bm
Bermuda Business Directory Tel: 295-4600 www.bermudadirectory.com
Bermuda Chamber of Commerce
Tel: 295-4201
Bermuda Executive Services
Tel: 296-5627 www.bermudaemployment.com
Bermuda Government Tel: 295-5151 www.gov.bm
Bermuda Government –Economic Development Department (EDD) Email: edd@gov.bm www.gov.bm/department/economic-development
Bermuda Hotel Association Tel: 295-2127 www.visitbermudanow.com
Bermuda Land Management Corporation (BLMC) Tel: 234-1709 www.blmc.bm
Bermuda Monetary Authority
Bermuda Stock Exchange Tel: 292-7212 www.bsx.com
Bermuda Tourism Authority Tel: 296-9200 1-800-237-6832 www.gotobermuda.com
Bermuda Yellow Pages Tel: 297-9355 www.bermudayp.com
BermudAir Tel: 543-9200 1-844-543-9200 www.flybermudair.com
Clarien Bank Tel: 296-6969 www.clarienbank.com
Coldwell Banker
Bermuda Realty Tel: 247-1802
Dining
BERMUDIAN
Embark
Electronic Services
Limited Tel: 236-3885 www.electronicservices.bm
HSBC Bank Bermuda Limited Tel: 295-4000 www.hsbc.bm
LF Wade International Airport Tel: 293-2470 www.bermudaairport.com
OBM International Tel: 278-3550 www.bermuda.obmi.com
The Property Group Ltd. Tel: 234-6900 www.property-group.com
Washington Properties (Bermuda) Limited Tel: 295-4186 Private
Beaches
sifying the island’s economy. Technology start-ups, including digital asset businesses, are attracted by the same advantages that have helped the more traditional industries of insurance and financial services flourish here for decades.
Helping attract new industry and support established sectors is the Bermuda Business Development Agency (BDA), a public-private unit established in 2013. The agency serves to safeguard and enhance Bermuda’s worldleading platform for doing business and acts as a business concierge, supporting existing companies and proactively targeting investment and connecting new prospects with industry, government, and regulatory bodies to make setting up in Bermuda a smooth process.
Bermuda’s Secure Environment
Bermuda’s economy remains robust, with the jurisdiction witnessing new investments and company incorporations across diverse sectors.
In addition, Bermuda’s legal system enjoys a trusted history. More than 400
years old, Bermuda’s court system can claim the distinctive legacy of having the oldest unbroken British roots outside the British Isles, a legacy grounded in English common law with recourse all the way as London’s Privy Council. More leading global law firms are setting up offices in the jurisdiction in recent years, joining established legal powerhouses.
Combined with its stability and convenient location, Bermuda’s continued relevance in an era of change can be attributed to the same fundamental principles that have underpinned its development as a blue-chip jurisdiction for the last 70 years.
What does that mean to the rest of the world? Bermuda represents a significant role in the rebuilding of cities and communities after the world’s worst disasters. Bermuda’s reinsurers, for example, paid nearly a third of insured losses from Hurricanes Katrina, Rita, and Wilma in 2004–2005; a quarter of Canada’s Fort McMurray, Alberta, wildfires losses in 2016; more than half of New Zealand’s 2010 earthquake liabilities; and a whopping 62 percent of the U.K.’s
largest peacetime fire and explosion — the Buncefield oil-terminal fires of 2005.
Bermuda paid a third of the estimated $100 billion losses from 2017 Hurricanes Harvey, Irma, and Maria, and more recently, as much as 25 percent of the industry losses related to Hurricane Ian in 2022. Bermuda insurers also make up a quarter of America’s medical liability insurance and reinsurance market. Bermuda (re)insurers also provide over 50 percent of reinsurance capacity of U.S. Monoline Mortgage Guaranty insurers, playing an increasing role in helping Americans achieve the dream of home ownership.
Also, in the past decade, the island’s track record as a catalyst for change in the industry has continued, with the rise of alternative risk financing via “cat” bonds, ILS, and other financial instruments merging insurance with capital markets: 2024 was a record year for cat bond and ILS issuance, hitting a new high of $17.7 billion. Today, Bermuda has the largest depository of ILS listings with more than 92 percent of global capacity.
Moving to Paradise
Against a stunning backdrop of pink-sand beaches, turquoise waters, and pastelcoloured buildings, Bermuda’s safe and sophisticated island lifestyle is perfect for families as well as corporate relocations.
Bermuda is an attractive and sophisticated island with a lifestyle to match. A welcoming culture, stunning natural beauty, first-rate schools, top-tier healthcare, sports, an enriching arts and cultural scene, and a UNESCO World Heritage Site all help to create one of the highest standards of living in the world.
Thus, the territory provides an enviable environment for those who live here, while its pro-business culture and gold-standard regulatory regime offer global businesses a world-leading platform for commercial growth and innovation.
For most people who relocate to Bermuda, it’s their employer that takes care of the work permit logistics. Non-Bermudians are required to have a government work permit to work on the island, and employers may apply for Standard Work Permits of one, two, three, four, or five years (with options for renewal). For more information, go to www.gov.bm/onlineservices/get-standard-work-permit. Once your work permit’s been secured, you can finally start settling into island life.
Bermuda: A Global Hub for Family Offices and Wealth Management
Courtesy of Bermuda Government –Economic Development Department
Bermuda has firmly established itself as a leading global jurisdiction for family offices, high-networth individuals, and international businesses. Renowned for its stability, innovation, and discretion, the island offers an unparalleled environment for managing and preserving generational wealth.
At the heart of this appeal lies the Bermuda Family Office Solutions Framework, specifically designed for ultra-high-net-worth families. This comprehensive framework ensures a seamless experience by combining streamlined onboarding, robust regulatory compliance, and innovative tax-neutral solutions. With these offerings, Bermuda provides the ideal foundation for these families to invest, live, and thrive within a secure and progressive legal structure.
Recent legislative advancements have further solidified Bermuda’s position as a global leader. Updates to trust and company policies — such as simplified compliance procedures and modernised trust administration processes — have effectively reduced administrative barriers while upholding the highest standards of compliance. These changes now allow families to focus on what truly matters: preserving their wealth and building lasting legacies for generations to come.
Looking to the future, Bermuda is setting benchmarks in sustainability and social responsibility through initiatives like its ESG-focused
financial framework. This innovative approach enables families to align their investment strategies with sustainability and social impact goals, catering to the values-driven priorities of the next generation of family office leaders. By expertly blending financial success with purposeful impact, Bermuda ensures its continued relevance even in a rapidly evolving world.
The Hon. Jason P. Hayward, JP, MP, Minister of Economy and Labour, highlighted Bermuda’s forward-thinking vision in this statement: “Bermuda continues to adapt to the evolving needs of global families. Our ability to anticipate emerging trends, from digital finance to ESG investing, ensures that we remain a trusted partner for family offices worldwide. With proven foresight and a track record of innovation, Bermuda offers an unparalleled environment for safeguarding and growing wealth, supported by strategic expertise for long-term success.”
Bermuda’s commitment to a secure, progressive, and innovative wealth management environment remains steadfast, making it a jurisdiction of choice across the globe that empowers families to protect and grow their legacies with confidence. Whether through cutting-edge financial solutions or sustainability initiatives, Bermuda continues to exemplify leadership in wealth preservation.
Learn more at www.bda.bm.
Ensuring Your Legacy Lives On.
With progressive policies and unparalleled expertise, Bermuda is the premier jurisdiction for family offices, delivering stability, innovation, and discretion.
Our tax-neutral solutions, efficient compliance processes, and ESG-focused initiatives create an optimal environment for managing and growing generational wealth.
Let’s empower your legacy together.
One major advantage of the EIRC is that it grants immediate residency rights, with no waiting period.
INSIDER’S GUIDE
With so much to explore, you’re sure to find just what you’re looking for in Bermuda.
Here are our top picks for doing business on the island.
BERMUDA GOVERNMENT — ECONOMIC DEVELOPMENT DEPARTMENT (EDD)
Sofi House, 3rd floor
48 Church St., Hamilton www.gov.bm/department/ economic-development
E-mail: edd@gov.bm
Instagram: @edd_bermuda
LinkedIn: The Economic Development Department
The Economic Development Department (EDD) of Bermuda works within the Ministry of Economy & Labour to foster sustainable economic growth, diversification, and innovation. By developing policies, facilitating investment, and leveraging Bermuda’s unique value as a test market for new industries, the EDD attracts global businesses while empowering local e-entrepreneurs. The EDD’s efforts are aligned with the Bermuda Economic Development Strategy 2023–2027, focusing on talent development, legislative innovation, and business partnerships to position Bermuda as a competitive global hub.
BERMUDA LAND MANAGEMENT CORPORATION (BLMC)
Clocktower Shopping Mall, Upper level Tel: 234-1709
www.blmc.bm
Bermuda Land Management Corporation (BLMC) was established to assist in the commercial and residential development of Bermuda’s Southside & West End. Encompassing Dockyard, Bermuda’s premier cruise ship port, and a diverse mix of residential, commercial, and industrial properties, BLMC fosters a vibrant “live, work, play” community. Focused on sustainability and innovation, BLMC creates opportunities for local and international investors, developers, and entrepreneurs, ensuring continued development while preserving Bermuda’s rich heritage.
BERMUDA MONETARY AUTHORITY
BMA House
43 Victoria St., Hamilton
Tel: 295-5278
www.bma.bm
The Bermuda Monetary Authority (Authority or BMA) regulates Bermuda’s financial services industry. Established by statute in 1969, the BMA has significantly evolved over the decades to address the changing needs of the financial services sector, both locally and globally. The BMA employs a comprehensive macroprudential regulatory approach, which has proven effective in enhancing financial stability within the sector. This approach is supported by the Authority’s commitment to maintaining Bermuda’s overall framework, designed to foster a secure and stable economic environment while ensuring that the island remains an attractive jurisdiction for both local and international business. The BMA’s responsibilities include issuing Bermuda’s national currency, managing exchange control transactions, and assisting other agencies in detecting and preventing financial crime. Additionally, the Authority advises the Government of Bermuda on banking and various financial and monetary matters. To maintain oversight, the BMA develops risk-based financial regulations that govern Bermuda’s banks, trust companies, investment busi -
nesses, investment funds, fund administrators, money service businesses, corporate service providers, and insurance companies.
BERMUDAIR
5 Reid St., Hamilton
Tel: 543-9200 / 844-543-9200 (toll-free from Canada and U.S.)
www.flybermudair.com
BermudAir has transformed travel to Bermuda, offering a premium experience that begins the moment you step onboard. With direct flights from 10 North American cities, BermudAir’s aircraft deliver comfort, style, and islandinspired hospitality. The airline prioritises convenience, luxury, and personalised service. From family-friendly promotions to flexible Flight Passes for frequent travellers, BermudAir is committed to making Bermuda more accessible — proving that the journey can be as remarkable as the destination.
OBM INTERNATIONAL
Woodbourne Hall
1 Gorham Rd., Hamilton Tel: 278-3550
www.bermuda.obmi.com
OBMI is a global master planning, architecture, interiors, and landscape design firm established in Bermuda in 1936. Their approach is inclusive, innovative, and transparent. OBMI believes
that building relationships with its clients is the foundation of a successful project. Its robust portfolio embraces a selection of exquisite residential designs, large-scale commercial and civic projects, boutique-style resorts, and a variety of retail and restaurant transformations. With over 85 years of expertise in Bermuda and around the world, OBMI is recognised as an industry leader in design excellence.
OLEANDER CYCLES AND BERMUDA
RENTAL
CAR LTD.
6 Valley Rd., Paget Tel: 236-2453
www.oleandercycles.bm
www.oleanderebikes.com
www.bermudarentalcar.com
Bermuda’s No. 1 scooter livery offering quality one- and two-seater scooters, electric pedal bikes, and fun, easy-to-manoeuvre two-seater cars at competitive rates. The new addition to their fleet, the Tazzari Mini Max EV compact car, means you can now travel around Bermuda in style and comfort. You will receive five-star service and a safety demonstration with their friendly staff. Oleander’s reputation is the best in Bermuda and has been earned since opening in 1964. They have locations at each end of the island in Dockyard and St. George’s plus two in the centre of the island, including Hamilton and Paget. Free delivery or transportation via their courtesy vans to and from your accommodations is available no matter where you are on the island. They are open seven days a week.
SMATT’S CYCLE LIVERY
LTD.
Hamilton Princess & Beach Club
74 Pitts Bay Rd., Pembroke Tel: 295-1180
www.smattscyclelivery.com
Smatt’s Cycle Livery is a mainstay of the rental cycle business in Bermuda. Originally a small mom-and-pop shop, the family business was one of the first cycle liveries on the island. They are well known for their friendly and helpful staff. For that reason, they enjoy many repeat customers who visit the island every year. Navigate Bermuda’s highways, byways, and hidden lanes on your scooter and discover Bermuda’s bestkept secrets. There are endless possibilities in Bermuda, and the best way to experience them all is on two wheels. The seat of a Smatt’s cycle is the best way to see the island — guaranteed!
WASHINGTON PROPERTIES (BERMUDA) LIMITED
Church and Reid Streets, Hamilton Tel: 295-4186
www.washingtonproperties.bm
The perfect location from which to conduct business can be found in the “Heart of Hamilton.” Washington Properties, located between Church and Reid Streets, has offices available that range in size from 200 square feet to 15,000 square feet. Washington House, the newest member of Washington Properties, built in 2010, offers concierge service and secure access to the building. The offices accommodate local and international businesses, while the retail outlets offer a variety of products and services to both residents and visitors. Since they are within easy walking distance to financial and legal services, transportation, parking, restaurants, and shopping, it is hard to find a better location.
WILLOWBANK RESORT & CONFERENCE CENTRE
126 Somerset Rd., Sandys Tel: 234-1616
www.willowbankresort.com
A hidden gem in the western end of the island, whose history dates to the early 20th century, boasts a 21st-century, 3,000-square-foot conference centre for meetings, events, retreats, and weddings. Away from the hustle and bustle of the city, Willowbank provides complete packages from accommodations, meeting spaces, audiovisual, and telecommunications to creative food and beverage offerings. The old Bermuda charm and spectacular ocean views make Willowbank Resort & Conference Centre the perfect setting for lasting memories.
Important Contacts
ASSOCIATIONS AND CLUBS
Bermuda Amateur Swimming Association
Tel: 292-1713
Bermuda Bowling Club
Tel: 236-5290
Bermuda Bridge Club Tel: 541-0551
Bermuda Cricket Board of Control
Tel: 292-8958
The Bermuda Dive Association Tel: 238-2332
Bermuda Equestrian Federation
Tel: 234-0485
Bermuda Folk Club
Tel: 291-2070
Bermuda Football Association
Tel: 295-2199
Bermuda Golf Association
Tel: 295-9972
Bermuda Hockey Federation bhf.bm
Bermuda Karate Institute Tel: 292-2157
Bermuda Lawn Tennis Association
Tel: 296-0834
Bermuda Musical and Dramatic Society
Tel: 292-0848
Bermuda Physically Handicapped Association
Tel: 293-8148
Bermuda Rugby Football Union www.brfu.bm
Bermuda Sailing Association Tel: 295-7935
Bermuda School of Music
Tel: 296-5100
Bermuda Society of Arts
Tel: 292-3824
Bermuda Squash Racquets Association
Tel: 292-6881
Bermuda Sub Aqua Club
Tel: 291-5640
Bermuda Track and Field Association
Tel: 296-0951
Bermuda Triathlon Association
Tel: 533-3156
Big Brothers and Sisters of Bermuda
Tel: 232-2802
Gilbert and Sullivan Society
Tel: 735-1547
In Motion School of Dance
Tel: 292-7651
Jackson School of Performing Arts
Tel: 292-5815
Lions Club/Hamilton Tel: 535-2222
National Tennis Stadium Tel: 292-0105
Royal Bermuda Yacht Club Tel: 295-2214
Royal Hamilton Amateur Dinghy Club Tel: 236-2250
Walking Club of Bermuda www.walkingclubofbermuda.com
CONSULATES
U.S. Consulate General Karen Grissette Tel: 295-1342
Portuguese Consulate Andrea Moniz Tel: 704-6338
HONORARY CONSULS
Austria: Katarina Hoskins Tel: 494-4019
Belgium: Phillippe Dutranoit Tel: 232-3902
Canada: Heather Conyers Tel: 292-2917
Denmark: Bent Poulsen Tel: 295-4806
Finland: John Riihiluoma Tel: 295-2244
France: Nicole Haziza Tel: 777-5557
Germany: Jens Alers Tel: 295-0614
Ireland: John R. Kane Tel: 295-6574
Italy: Giocchino Di Meglio Tel: 295-5391
Jamaica: Winston Laylor Tel: 295-5264
Luxembourg: Curt Engelhorn Tel: 295-1082
Mexico: Rod Attride-Stirling Tel: 296-8314
Netherlands: Maria Peterich Tel: 236-4578
Norway: C.N.A. Butterfield III Tel: 295-5519
Spain: A.C.J. Dean Tel: 295-3062
Sweden: Jens Juul Tel: 293-7242
Switzerland: Fabian Schonenberg Tel: 295-5588
COURIERS
DHL Worldwide Express 1 Midsea Lane, Pembroke Tel: 294-4848 www.dhl.com
FedEx
3 Mills Creek Rd.,Pembroke Tel: 295-3854 www.fedex.com
Mailboxes Unlimited 48 Par-la-Ville Rd., Hamilton Tel: 292-6563 www.mailboxesunlimited.com
UPS/International Bonded Couriers
Dallas Building 10 Park Rd., Hamilton Tel: 295-2467/296-9479 www.ups.com/www.zipx.com
DRY CLEANERS
Just Shirts Dry Cleaners 20 Bermudiana Rd., Hamilton Tel: 292-3063
EVENT PLANNERS
Destination Wedding Bermuda Tel: 236-8252 www.destinationweddingbermuda.com
FLORISTS Demco Tel: 234-7777/293-3626 www.demco.bm
GOVERNMENT INSTITUTIONS Airport Operations www.bermudaairport.com
Attorney General www.bermudalaws.bm
Bermuda Aquarium, Museum & Zoo www.bzs.bm
Bermuda Business Development Agency www.bda.bm
Bermuda College www.college.bm
Bermuda Economic Development Corporation www.bedc.bm
Bermuda Hospitals Board www.bermudahospitals.bm
Bermuda Land Management Corporation www.blmc.bm
Bermuda Monetary Authority www.bma.bm
Bermuda National Library www.bnl.bm
Bermuda Philatelic Bureau www.philatelic.bermudapost.bm
Bermuda Post Office www.bermudapost.bm
Bermuda Tourism Authority www.gotobermuda.com
Bermuda Transport Control Department www.tcd.gov.bm
BermudaNIC (registrations) www.bermudanic.bm
Central Policy Unit www.gov.bm
Commission for Unity and Racial Equality www.communityandculture.bm
Economic Development Department www.gov.bm/department/ economic-developmentdepartment
Land Valuation Department www.landvaluation.bm
Registrar of Companies www.roc.gov.bm
Social Insurance Department www.socialinsurance.gov.bm
Tax Commissioner www.gov.bm/department/officetax-commissioner
GROCERY, RETAIL, AND RESTAURANT DELIVERIES
Crown Point Grocery Services Tel: 621-7829 www.crownpointbda.com
Pronto Retail & Grocery Delivery www.pronto.bm
Sargasso Restaurant Delivery www.sargassosea.app
GROCERY STORES
The English Market Washington Mall 18 Church St., Hamilton Tel: 249-3000
Harrington Hundred’s 99 South Shore Rd., Smith’s Tel: 293-1635
Lindo’s Family Food 126 Middle Rd., Warwick Tel: 236-1344
The Market Place Supermarket Islandwide Tel: 295-6006
Miles Market
96 Pitts Bay Rd., Pembroke Tel: 295-1234
Pronto City Market
10 Park Rd., Hamilton Tel: 621-1111
HEALTHCARE
Atlantic Caregiving
Tel: 292-9690 www.atlanticcaregiving.com
B.M.S.G. Health Express
Urgent Care
Tel: 292-0022 www.bermudamedical.com
The Family Practice Group
Tel: 236-0001 www.fpgroup.bm
Hamilton Medical Center (walk-in clinic for blood tests and TCD physicals) Tel: 400-8378/495-5745 www.hmc.bm
King Edward VII Memorial Hospital Tel: 236-2345 www.bermudahospitals.bm
Wee Care Pediatrics Tel: 296-3032 www.bermudaweecare.com
Optician: Atlantic Vision Care Tel: 295-7300 www.atlanticvisioncare.bm
Dentist: Coral Dental
Tel: 295-8040 www.coraldental.bm
LEISURE
Bermuda Aquarium, Museum & Zoo
Tel: 293-2727 www.bzs.bm
Bermuda Arts Centre at Dockyard Tel: 534-2809 www.artbermuda.com
Bermuda National Gallery Tel: 295-9428 www.bng.bm
Bermuda National Trust Tel: 236-6483 www.bnt.bm
Bermuda Society of Arts Tel: 292-3824 www.bsoa.bm
Bermuda Tourism Authority Tel: 296-9200 www.gotobermuda.com
Bermuda Underwater Exploration Institute Tel: 292-7219 www.buei.org
Masterworks Museum of Bermuda Art Tel: 299-4000 www.masterworksbermuda.org
The Media Lounge Cinema Tel: 707-0734 www.medialoungecafe.com
National Museum of Bermuda Tel: 234-1333 www.nmb.bm
Speciality Cinema
Tel: 292-2135 www.specialitycinema.bm
Visit Bermuda Tel: 295-2127 www.visitbermudanow.com
NEWS
Bermuda Broadcasting Company Limited www.bermudabroadcasting.com
Bermuda Weather www.weather.bm
Bermynet www.bermynet.com
Bernews www.bernews.com
eMoo www.emoo.bm
The Royal Gazette www.royalgazette.com
OFFICE SUPPLIES
P-Tech
Tel: 295-5496 www.ptech.bm
PET STORES
Pic-A-Pet Tel: 292-4554
PHOTOGRAPHERS
Amanda Temple Photography Tel: 504-2339 www.amandatemple.com
Gavin Howarth Photography Ltd. Tel: 532-3234 www.gavinhowarth.com
Meredith Andrews Photography Tel: 505-3686 www.meredithandrewsphotography.com
POST OFFICES
Bermuda Mail Processing Centre 2 Kindley Field Rd., St. George’s Tel: 293-1767
General Post Office 56 Church St., Hamilton Tel: 297-7893
PRIVATE SCHOOLS
Bermuda High School for Girls, The Tel: 295-6153 www.bhs.bm
Bermuda Institute Tel: 238-1566 www.bermudainstitute.com
Bermuda Montessori School Tel: 292-7209
Mount Saint Agnes Tel: 292-4134 www.msa.bm
Saltus Grammar School Tel: 292-6177 www.saltus.bm
Somersfield Academy Tel: 236-9797 www.somersfield.bm
Warwick Academy Tel: 236-1917 www.warwick.bm
TRANSPORTATION
Bermuda Breeze Buses Tel: 292-3851 www.gov.bm/bus
Bermuda Rental Car Ltd. Tel: 236-2453 www.bermudarentalcar.com
BTA Dispatching Tel: 295-4506
Elbow Beach Cycles Tel: 296-2300 www.elbowbeachcycles.bm
Oleander Cycles Tel: 236-2453 www.oleandercycles.bm
Pedego Electric Bikes Tel: 533-8687 www.pedegoelectricbikes.com
Ride.bm App Tel: 295-4141/824-7000 www.ride.bm
Sea Express Ferry Tel: 295-4506 www.marineandports.bm
ShoreLink App Download app via Google Play or Apple App Store.
Smatt’s Cycle Livery Ltd. Tel: 295-1180 www.smattscyclelivery.com
Whip Rideshare E-Scooters Islandwide www.grabawhip.com
VETERINARIAN
Endsmeet Animal Hospital Tel: 236-3292 www.endsmeet.bm
VISITOR information
The following are practical tips and useful information you will need whilst enjoying our island paradise. All information is subject to change, so we recommend calling to verify rates, schedules, and more.
AIRLINES
Air Canada
American Airlines
BermudAir
British Airways
888-247-2262
800-744-0006 / 293-1420
844-543-9200 / 543-9200
800-247-9297
Delta Airlines 800-221-1212 / 293-1024
JetBlue Airlines
United Airlines
WestJet
800-884-9616
800-864-8331
800-204-0020
AIRPORT U.S. PRECLEARANCE:
Bermuda offers U.S. border preclearance, allowing passengers to be screened by U.S. Customs and Border Protection (CBP) before departure, eliminating the need for additional formalities upon arrival in the U.S. To speed up your U.S. entry process, download the free Mobile Passport Control (MPC) app and fill out your form in advance. For more information on MPC, visit www.cbp.gov/travel/uscitizens/mobile-passport-control.
BABY EQUIPMENT
For equipment and toys needed for babies and children, Little Longtails is a local company that rents everything from car seats, cribs, and water toys from favourite and trusted brands (707-7658; www.littlelongtails.com).
BANKING
Banks are usually open 9 a.m. to 4:30 p.m., Monday through Friday. There are many ATMs islandwide that dispense Bermuda dollars.
BUSINESS HOURS
Generally, shops, businesses, and professional offices open Monday to Saturday from 9 a.m. to 5 p.m. Clocktower Shopping Mall in Royal Naval Dockyard is open seven days a week, except Christmas Day and Good Friday. For more information on hours of operation, please visit www.dockyard.bm. Many grocery stores and pharmacies throughout the island are also open on Sundays with shortened hours.
COMMUNICATION
CALLING CARDS:
You can buy pre-paid calling cards from LiveNet (400-5983; www.livenet.bm), which can also be recharged with more funds via the LiveNet website. Both Digicel Bermuda (5005000; www.digicelgroup.com/bm/en.html),
One Communications (700-7000; www.onecomm.bm), and Paradise Mobile (900-9000; www.paradisemobile.bm) offer pay-as-you-go mobile and data plans.
INTERNET:
Bermuda has several internet service providers offering Wi-Fi connections, including Digicel Bermuda (500-5000; www.digicelgroup.com/bm/en.html), One Communications (700-7000; www.onecomm.bm) and TeleBermuda International (601-9000; www.telebermuda.com).
The Bermuda Visitor Service Centres in Hamilton, Dockyard, and St. George’s offer free Wi-Fi. Just sign up through the Bermuda Wi-Fi network when prompted through the Wi-Fi on your phone. Also in Hamilton, free Wi-Fi is available at the Bermuda National Library on Queen Street and Washington Mall on Church Street. There is also free Wi-Fi available throughout the terminal at the LF Wade International Airport.
TELEPHONE SERVICES:
• Call to Bermuda: Country code 1, area code 441
• Call to U.S. and Canada from Bermuda: 1 + area code + phone number
• Call to the U.K. from Bermuda: 011/44/city code/phone number
• Call to other countries from Bermuda: 011/country code/city code/phone number
• Call to international operator: 00
CURRENCY AND CREDIT CARDS
The Bermuda dollar is divided into 100 cents and is equal in value to the U.S. dollar; both are legal tender on the island. Bermuda introduced new bank notes in 2009 with distinctly Bermudian designs, featuring wildlife on one side and local landmarks on the other. The Bermuda Monetary Authority has released new polymer $2 and $5 banknotes as the first to showcase King Charles III’s effigy following the passing of Queen Elizabeth II. The exchange of other foreign currencies is done in banks. Credit cards are widely accepted in stores, restaurants, and hotels.
Visa and MasterCard may be used for cash advances at local banks. In addition, HSBC Bank Bermuda Limited and The Bank of N.T. Butterfield & Son Limited provide ATMs islandwide for MasterCard, Cirrus, and Plus cash advances; but most only dispense Bermuda dollars. However, HSBC offers U.S. cash at their branch locations.
CUSTOMS AND DUTY
U.S. residents who have been out of the country for 48 hours or more may take home items valued up to $800 once every 31 days without incurring duty. Adults may include 200 cigarettes, 100 cigars, and one litre of alcohol within their exemption, plus a second litre if produced by a Caribbean Basin country. Original paintings, drawings, and sculptures are duty-free but must be declared. For information regarding Cuban cigars and products, visit www.cbp.gov.
U.K. residents 17 or older may take home duty-free 18 litres of table wine and 4 litres of spirits or liqueurs (over 22 percent alcohol), or 9 litres of fortified or sparkling wine or other liqueurs, plus 200 cigarettes or 100 cigarillos, or 50 cigars or 250g of tobacco, plus other goods worth up to £390. Visit www.hmrc.gov.uk.
Canadian residents who have been out of their country for 48 hours or more can claim up to CAN$800 worth of goods without paying duty if they carry the goods with them. For more information, visit www.cbsa-asfc.gc.ca.
DELIVERIES TO YOUR DOOR
Grocery, retail, and restaurant deliveries to your vacation property are available through Crown Point grocery services (621-7829; www.crownpointbda.com), Pronto retail and grocery delivery (www.pronto.bm), and Sargasso restaurant delivery (www.sargassosea.app).
DRINKING AGE
The legal drinking age is 18.
ELECTRICITY
Electrical service is the same as in the U.S. and Canada: 110 volts, 60 cycles AC.
IMPORTANT NUMBERS
Alcoholics Anonymous: 297-0965
Ambulance: 911
Animal Emergencies (SPCA): 236-7333
B.M.S.G. Health Express Urgent Care: 292-0022
Bermuda Diabetes Association: 297-8427
Bermuda Maritime Operations Centre: 297-1010
Bermuda Red Cross: 236-8253
Bermuda Tourism Authority: 296-9200
Directory Assistance: 411
Emergency 24-hour counselling: 239-1111
Fire Service: 911
King Edward VII Memorial Hospital
(emergency): 239-1301
King Edward VII Memorial Hospital
(general): 236-2345
Lamb Foggo Urgent Care Centre: 298-7700
Open Airways: 238-3261
Physically Handicapped Association: 293-8148
Police: 911
Police/Central: 295-0011
Police/Somerset: 234-1010
Police/Southside: 293-2222
Weather forecast: 977
Women’s Resource Centre: 295-3882
LIFEGUARDS
Lifeguards are stationed at the following beaches daily from 10 a.m. to 6 p.m.:
• Clearwater Beach, Turtle Bay, and John Smith’s Bay: May 24 to Labour Day
• Horseshoe Bay: May 1 to October 31
MOVIE THEATRES
Watch a movie at Speciality Cinema & Grill, 12 Queen Street, Hamilton (292-2135, 2952751; www.specialitycinema.bm) or The Media Lounge Cinema (707-0734; www. medialoungecafe.com) at The Cooperage Building in Royal Naval Dockyard. Both are the perfect place to take a break and enjoy the air-conditioned, small, and intimate cinemas showing the latest box-office hits.
PHOTOGRAPHY
Bermuda boasts a treasure trove of talented photographers that can capture beautiful images for you during your visit. Some specialise in wedding photography. Here are a few to consider:
• Charles Anderson; www.charlesandersonphotography.com
• Amanda Temple Photography; www.amandatemple.com
• Gavin Howarth Photography; www.gavinhowarth.com
• Meredith Andrews; www.meredithandrewsphotography.com
• Moongate Productions; www.moongateproductions.com
POPULATION
The population of Bermuda in 2024 was 64,636, according to the Health in the Americas.
POST OFFICE
The General Post Office is located at 56 Church Street, Hamilton, and is open Monday to Friday, 8 a.m. to 5 p.m., with last customer received at 4.30 p.m. (297-7893). Local letters are 50 cents, and local greeting cards are 40 cents. Air mail to the United States, the Caribbean, or Canada is $1.15; $1.35 to Great Britain; $1.35 to Europe; and $1.55 to Asia, Australia, or New Zealand.
PUBLIC HOLIDAYS 2025/26
Bermuda Day Friday, May 23
National Heroes’ Day Monday, June 16
Emancipation Day Thursday, July 31
Mary Prince Day
Labour Day
Remembrance Day
Christmas Day
Boxing Day
New Year’s Day
Friday, August 1
Monday, September 1
Tuesday, November 11
Thursday, December 25
Friday, December 26
Thursday, January 1, 2026
Good Friday Friday, April 3, 2026
RADIO STATIONS
Bermuda Broadcasting Company Limited (295-2828; www.bermudabroadcasting.com); Ocean 89 – Top 40; Power 95 – R&B; Inspire 105 – Country/Christian
SMOKING
Smoking in public places, including restaurants and bars, is banned in Bermuda. Offenders face a $1,000 fine.
TAXES AND GRATUITIES
There is no sales tax. At most restaurants, a 17 to 20 percent tip will be added to your bill. At hotels, a 7.25 percent hotel-occupancy tax, a 4.5 percent tourism guest fee, and a 10 percent service charge are added to your bill. Some larger hotels may add an additional daily resort fee to your bill.
TRANSPORTATION
BUSES: With 11 bus routes and 14 bus zones of about two miles each, buses are frequent and plentiful; and they service the entire island. They’re easy to spot, as they’re painted Bermuda pink with blue stripes. Most buses leave from the Central Terminal on Washington Street, next to City Hall in Hamilton. Bus stops are identified by either a solid blue or pink pole. Blue poles signify routes outbound from the City of Hamilton; pink ones mark routes inbound to the City of Hamilton. Note: Exact cash is accepted. For up-to-date routes, visit www.gov.bm/bus or call 292-3851.
FERRIES: A unique and reliable way to travel around Bermuda is on the Sea Express ferry system. Four public ferry routes offer a picturesque alternative for travel around the island. All ferries depart from the Hamilton Ferry Terminal on Front Street. Note: Cash is not accepted on the ferries. For up-to-date schedules, visit www.marineandports.bm or call 295-4506.
• The Blue Route stops at Royal Naval Dockyard in Sandys Parish on the west end of the island.
• The Orange Route only operates in the summer, and it stops at Royal Naval Dockyard before continuing to the Town of St. George.
• The Pink Route makes several stops in Warwick and Paget parishes.
• The Green Route stops at Watford Bridge and Cavello Bay, both in Sandys, and Rockaway in Southampton.
BUS AND FERRY FARES: Cash fares (on buses only) are $3.50 for up to three zones, $5 for up to 14 zones. It is cheaper to use tokens, tickets, or a pass on either the bus or ferry. You can buy a book of 15 tickets for $25 for three zones and $37.50 for 14 zones. Alternatively, tokens are $2.75 for up to three zones and $4.50 for up to 14 zones. Children under 5 years of age ride free, and ages 5 to 16 for $2.75. An unlimited one-day pass is $19; two-day, $31.50; three-day, $44; four-day, $48.50; and one-week, $62. An unlimited one-day pass for children is $9.50; two-day, $16; three-day, $22; four-day, $24.50; and one-week, $31. All fares, tokens, tickets, and passes are the same for buses
VISIT BERMUDA APP
BUS & FERRY SHORELINK APP: The ShoreLink App is a new and accessible way to purchase fares for both buses and ferries whenever and wherever you choose. With the app, you can easily manage your fare purchases and validate your tickets right from your smartphone. Download the free app from the Google Play Store or the Apple App Store where you can create an account or continue as a guest to purchase fares.
SCOOTERS: Rentals are available by the day or the week. Prices vary, but daily rates range from $55 to $65 for a single-seat scooter. Double-seat scooters are slightly higher. It is mandatory for both drivers and passengers to wear helmets, which are included with the rental. A $35 nonrefundable insurance waiver is also required. You must be 18 or older to rent a motor scooter or a moped, and most rental agencies will require that you demonstrate the ability to operate the vehicle properly following an instructional session on safety and handling. Contact Oleander Cycles (236-2453), Smatt’s Cycle Livery Ltd. (2951180), Elbow Beach Cycles Ltd., and Scooter Mart Rentals (236-2300).
ELECTRIC CARS: Visitors can now explore the island by renting two-seated electric vehicles from Bermuda Rental Car Ltd. (236-2453; www.bermudarentalcar.com), from Current Vehicles Bermuda (296-8949; currentvehicles.com), or from Rugged Rentals (705-7368; www.ruggedrentalsbda.com). These electric cars can travel up to about 50 miles on a single charge, and recharging stations are found throughout the island. Visitors must be 25 years old and hold a valid car driver’s licence to rent and drive a vehicle.
ELECTRIC BIKES, TWO-WHEEL E-SCOOTERS, AND PEDAL
BICYCLES: You can also rent pedal bikes from a variety of island outfitters, which are ideal for exploring the island. You can bring your pedal or electric bike or twowheel e-scooter aboard a ferry. Rental rates for pedal bikes range from about $30 to $40 a day, with $15 insurance waiver required. If
2025/26 and ferries. For more information on fares, visit www.gov.bm/public-transportation-fares or call 292-3851. For more information on ferries, visit www.rccbermuda.bm/ferries_about.aspx or call the Hamilton terminal at 295-4506.
you need a little bit more help pedalling, try a hybrid electric bike or rideshare e-scooter.
Pedego Electric Bikes (533-8687; www.pedegoelectricbikes.com/dealers/bermuda), located in St. George’s, offers electric bikes for rental starting from $50 for a halfday. Tours are also available to explore sites around the East End of the island. Oleander Cycles rents electric bikes, and they have locations islandwide (236-2453; www.oleanderebikes.com). Whip Rideshare E-Scooters (www.grabawhip.com) have pickup locations islandwide, and you can explore the City of Hamilton, Dockyard, South Shore Beaches or St. George’s on your own time. Whips can be left anywhere around the island and not at a designated location. Unlimited-use subscription packages are available for three days, and weekly options starting at $55.
generally open 7 a.m. to 7 p.m. daily, with one 24-hour station in the City of Hamilton. Electric charging stations are available at some hotels, and specific stations are available through the rental provider. There are also two public charging stations: one by Penno’s Wharf and the other at Clearwater Beach in St. George’s.
For all rentals, you must obey Bermuda’s speed limit of 22 mph (35 km/hr) and remember to drive on the left side of the road. For scooters and mopeds, gas stations are Scan the QR codes for up to date ferry and bus schedules and information
Tel: 292-3851 | www.gov.bm/bus
Tel: 295-4506 | www.marineandports.bm
PARKING: Electric cars must adhere to the same parking rules as regular-sized cars in marked bays. In St. George’s and Dockyard, there is free street parking. In the City of Hamilton, parking is paid for by the hour and is available for street parking and within short-term and long-term car parks between the hours of 8 a.m. and 6 p.m. from Monday to Saturday. EasyPark meters can be purchased from the Corporation of Hamilton at City Hall and other retailers in the city, and there is also an app (www.easypark.bm). Pay stations at the car parks accept credit or debit cards or exact coins and cash. For more information about parking in the city, visit www.cityofhamilton.bm/city_services/parking.php.
TAXIS AND MINIBUS SERVICES: Taxis can usually be found outside Bermuda’s larger hotels, near the airport, or on the streets of Hamilton, the Town of St. George, or in Royal Naval Dockyard. All taxis are metered at government-set rates, and exact change is required. Current taxi fares are as follows, based on travel between 6 a.m. and 10 p.m.:
• For a one- to four-passenger taxi: $9.20 USD for the first mile, $3.75 USD for each additional mile
• For a five- to seven-passenger taxi: $11.55
USD for the first mile, $4.25 USD for each additional mile
Fares are 25 percent higher for one- to four-passenger taxis, and 50 percent higher for five- to seven-passenger taxis, between 10 p.m. and 6 a.m., all day on Sunday and on public holidays. Taxi businesses include Bermuda Island Taxi (295-4141), BIU Taxi Co-op Transportation (292-4476), BTA Transport Taxis (296-2121), CEO Transport Limited (234-4366 or 1-855-859-6454), Quality Transport (337-2578 or 1-877-406-3189), and the Hitch taxi booking app (www.hitch.bm).
RIDE.BM APP: Download the mobile app for reliable taxi transportation across Bermuda. Available via The Google Play Store and the Apple App Store, Ride.bm offers a variety of transportation services including airport transfers, pre-booked tours, executive and corporate transportation, cruise ship pickup and drop-off, beach excursions, weddings and more. With real-time tracking and fair rates, the user-friendly app allows you to earn rewards and prearrange rides for a safe and easy transport option.
Bermuda’s taxi drivers are great guides, too. No one knows the best destinations better than they do. Taxi drivers displaying tour guide flags are qualified tour guides. The sightseeing rate is $60 USD per hour for a one- to four-passenger taxi or $85 USD per hour for a five- to seven-passenger taxi.
Titan Tours services include airport transfers, weddings, corporate, and sightseeing tours (234-1096; www.titantoursbermuda.com).
VISITOR SERVICES CENTRES
Hamilton: 8 Front St., 261-2872
Royal Naval Dockyard: 2 Dockyard Terrace, 296-9400
Town of St. George: 25 York St., 297-0556
WHEELCHAIR SERVICES
Wheelchair-accessible ferries: Hamilton Ferry Terminal, Dockyard, Rockaway, and St. George’s ferry stops only. Wheelchairaccessible minibus: Access Bermuda Disabled Transit (295-9106).
By Coldwell Banker Bermuda Realty
YOUR DREAM home awaits
Whether you’re seeking a luxury oceanfront property or a charming island retreat, Bermuda’s real estate market offers a slice of paradise for every lifestyle.
wWith its pink-sand beaches, crystalclear waters, and a captivating mix of British, American, and Caribbean influences, Bermuda is an idyllic location for a vacation home. More than just a world-class travel destination, the island offers overseas buyers a unique opportunity to own a piece of paradise. Let’s explore the key features and advantages that make purchasing a vacation home in Bermuda an irresistible prospect.
Stunning Island Scenery
For those seeking a tranquil escape, Bermuda’s landscapes are spectacular, and owning a vacation home here means waking up to awe-inspiring scenery each day. From the pink sands of Horseshoe Bay Beach to
crystal-clear waters and lush gardens, the island is a delightful feast for the senses.
Picture stunning sunsets over the Atlantic from your porch or a private tropical oasis just steps from the shore — no matter your ideal view, owning here lets you immerse yourself in nature’s grandeur.
Prime Waterfront Living
For those seeking the pinnacle of luxury and relaxation, Bermuda’s real estate market offers exclusive waterfront options, ranging from beachfront villas and cosy cottages overlooking tranquil bays to residences with private docks for your boat. Such beautiful properties provide an unmatched sense of serenity and put you in perfect proximity to Bermuda’s crystal-clear waters.
FROM TOP: PHOTO COURTESY OF THE PROPERTY GROUP, GAVIN HOWARTH
Residency in Bermuda
The Economic Investment Residential Certificate (EIRC) offers an exclusive opportunity for investors to gain long-term residency in Bermuda.
Courtesy of Coldwell Banker Bermuda Realty
For those seeking residency in Bermuda, the Economic Investment Residential Certificate (EIRC) grants an indefinite stay, allowing individuals to live, work, and travel freely in and out of the island. To qualify, an applicant must invest at least $2.5 million in one or more approved categories, such as residential or commercial real estate, Bermuda-based businesses (including those listed on the Bermuda Stock Exchange), philanthropic ventures that benefit Bermudians, or the development of new local enterprises.
EIRC holders are required to reside in Bermuda for a minimum of 90 days each calendar year. At the end of that period, they must verify their compliance and residency requirements. One major advantage of the EIRC is that it grants immediate residency rights, with no waiting period before a recipient can enjoy the benefits of living and working on the island.
For those choosing to invest in a Bermuda-based business, the EIRC also offers an automatic approval of a work permit tied to that specific enterprise. This combination of flexible
residency and streamlined work authorization makes the EIRC an attractive option for entrepreneurs, executives, and retirees seeking a secure longterm home in one of the world’s most beautiful and well-connected jurisdictions.
Given Bermuda’s nuanced property laws and unique real estate market, we highly recommend partnering with experienced local agents or
attorneys to ensure a smooth and compliant transaction. From identifying suitable investments to navigating complex legal requirements, professional guidance can help you make the most of Bermuda’s exceptional opportunities for both residency and investment.
Contact Coldwell Banker Bermuda Realty for expert advice. E-mail bhapgood@brcl.bm or call 247-1810.
One major advantage of the EIRC is that it grants immediate residency rights, with no waiting period.
Exclusive Clubs & Amenities
Many developments across Bermuda offer private membership clubs and amenities — think beachfront access, golf courses, spa facilities, and concierge services. Owning a vacation home in one of these communities allows you to enjoy a luxurious, worry-free lifestyle, where everything you need is right at your fingertips.
Vibrant Island Heritage
Beyond its natural allure, Bermuda is made up of a fascinating cultural tapestry. Its history is evident in its striking architecture, many museums, and variety of UNESCO World Heritage Sites, including St. George’s, the oldest continuously inhabited English settlement in the Americas. Owning a home here allows you to experience the island’s unique blend of British and Caribbean traditions in an intimate way, ranging from local festivals to lively community events.
Endless Tropical Climate
Bermuda’s subtropical climate makes it a compelling year-round destination. By owning a vacation home, you can escape harsh winters and enjoy consistently mild temperatures
year-round. Whether you’re sunbathing on the beach in the summer or exploring golf courses and nature trails during the cooler months, the island’s weather always remains comfortably inviting.
Live, Work, and Play
Here’s what you need to know for a seamless transition to island living.
Words by Alisa Bernardo
Bermuda’s undeniable charm has drawn people from across the globe for generations. The ever-witty Mark Twain once remarked, “You can go to heaven if you want to. I’d rather stay in Bermuda.”
While much has changed since his time, the island’s captivating appeal remains the same. Covering just 21 square miles, Bermuda is a breathtaking destination that over 63,000 residents proudly call home. If you’re considering joining them, these key insights will help smooth your move.
Entry Requirements
If you’re not a Bermudian but wish to live on the island, securing employment is the first step. Once you land a job, your employer must apply for a government-approved work permit, which can last anywhere from one to five years. If you have a spouse or children, they can relocate with you as dependents; but this doesn’t automatically grant them the right to work.
An alternative option for those looking to stay beyond the standard three-month tourist period is the “Work from Bermuda” Certificate. This special one-year permit allows
remote workers to operate from Bermuda whilst remaining employed by an overseas company.
Finding a Place to Live
With the necessary approvals in hand, you’ll want to find your slice of paradise — fondly referred to by locals as “the rock.” Because of Bermuda’s limited space and exclusivity, rental prices can be higher than what you might expect. Whether you’re looking for a cosy apartment or a spacious home, real estate agencies can assist in securing a rental or guiding you through the island’s property investment regulations.
Transportation
Many newcomers are surprised to learn that each household in Bermuda is allowed only one car. However, owning multiple scooters is permitted, and they are the primary mode of transportation for many locals. The island also boasts an efficient public transit system, including Sea Express ferries and Bermuda Breeze buses. If you plan to drive, obtaining a Bermudian driver’s licence is relatively straightforward. The process involves three steps. First, you must submit a Driver’s Licence Application, which requires a medical exam to ensure you’re fit to drive,
along with proof of your work permit and residence. Next, you’ll need to pass a written test on Bermuda’s traffic regulations — study guides are available for purchase at the Transport Control Department. Once you clear this hurdle, you can acquire a learner’s permit.
After gaining experience on the island’s left-hand driving system, you can schedule a road test with an instructor. A passing score grants you a
licence valid for up to 10 years, depending on your age.
Cost of Living
Bermuda’s cost of living is relatively high, primarily due to its remote Atlantic location. Nearly everything, from furniture to clothing and even many food products, is imported, which drives up prices. Instead of shipping large household items, you might find it more cost-effective to purchase secondhand goods
locally. Keep in mind that all imported items are subject to customs duties.
To manage grocery expenses, consider buying in bulk or supporting local farmers and fishermen, who offer fresh, island-grown produce and seafood.
Academic Options
For families with children, Bermuda offers a variety of schooling choices, both public and private. Each institution
Embracing the Island Lifestyle
follows a distinct academic framework, ensuring students can continue along a familiar educational path. For instance, Mount Saint Agnes Academy adheres to Alberta, Canada’s curriculum, while Saltus Grammar School provides Advanced Placement courses for secondary students. Most other schools align with the U.K. National Curriculum, including I/GCSE and the International Baccalaureate programmes.
Life in Bermuda is refreshingly relaxed, and you’ll quickly adapt to its easygoing pace. You’ll find yourself pausing to admire the island’s stunning scenery and exchanging warm greetings with friendly strangers. Casual conversations with fellow passengers on the bus or in line at the grocery store are common, reflecting the island’s strong sense of community.
No move to Bermuda would be complete without indulging in its culinary specialities. Be sure to try a classic fried fish sandwich served on raisin bread, a bowl of rich fish chowder, or a traditional Sunday codfish breakfast. Pair these with one of Bermuda’s signature cocktails, like a Dark ’n Stormy or a Rum Swizzle, for the full island experience.
If you’re not a Bermudian but wish to live on the island, securing employment is the first step.
Exquisite Island Flavours
Bermuda’s dining scene features international influences, fresh seafood, and global cuisine prepared by top chefs. With your own property on the island, you’re never far from memorable meals, whether it’s a romantic dinner overlooking the ocean or a casual lunch on the beach. Local food festivals spotlight Bermudian flavours, further enhancing your island experience.
Adventures on Land & Sea
For those who love the outdoors, Bermuda is a wide-open playground. Enjoy snorkel-
ling amid vibrant coral reefs, sailing on clear turquoise waters, or golfing on world-class courses to your heart’s content. Surrounded by breathtaking scenery, you can indulge in your favourite pastimes against a stunning island backdrop.
Accessibility & Connectivity
Bermuda’s strategic North Atlantic location places it just a short flight from major East Coast U.S. cities like New York, Boston, and Miami. Frequent flight connections make it convenient for overseas buyers to visit whenever they wish.
DID YOU KNOW?
Working with professionals well versed in Bermuda’s laws is crucial to help you avoid unforeseen costs, delays, and disappointments.
Property Purchase Regulations
Residential real estate in Bermuda is split between properties reserved for Bermudians, PRCs (people holding a Permanent Resident’s Certificate), and Belongers (people with close ties to the island) versus those available to international buyers. Since regulations for overseas purchasers can be complex, working with professionals well versed in Bermuda’s laws is crucial to help you avoid unforeseen costs, delays, and disappointments.
Currently, leasehold condominiums are not open to overseas buyers unless the purchaser has a Residential Certificate or the condominium is in a governmentapproved resort development. Buying a leasehold condominium outside of such developments requires a minimum $2.5 million investment to begin the Economic Investment Residential Certificate (EIRC) process. After EIRC approval, an application for a Residential Certificate can be made, which allows for the purchase of a leasehold condominium outside a government-approved resort, subject to the island’s ARV (Annual Rental Value) threshold policy.
Licence fees vary by property type. The current licence application fee is $1,706
(refundable upon approval), with rates set at 12.5% for a residential home, 8% for a condominium, 6.5% for a property in a hotel development, and 6% for PRC purchasers.
To smoothly navigate international purchasing rules and secure your dream property, we highly recommend consulting an experienced real estate agent.
Prices & Inventory
Due to Bermuda’s immigration rules, options for international buyers are limited, with approximately 27 houses currently available for sale to international buyers starting around $3 million. In St. George’s, two- and three-bedroom Residences at The St. Regis Bermuda Resort begin at just under $2 million, with the option to include the unit in a hotel rental management program.
Several fractional-ownership opportunities occasionally have resales:
• Newstead Belmont Hills Golf Resort & Spa (starting from $55,000)
• The Reefs Resort & Club (starting from $250,000)
• Tucker’s Point Club Golf Villas (starting from $200,000)
In the City of Hamilton, a new executive development at 33 Church Street offers one-bedroom units starting from $855,000, two-bedroom units starting from $1,085,000, and three-bedroom units starting from $4,125,000. Another residential enclave, Azura/Nautilus, combines boutique hotel amenities with privately owned residences. One-bedroom residences are available starting from $1,395,000, as well as threebedrooms starting from $3,250,000. Owners must place at least one locked-off bedroom in the hotel rental program for half the year over the span of five years.
Additional developments are currently in the pipeline, including a new block of apartments at The St. Regis Resort Residences, a new waterfront development at Rosewood Bermuda, and future condo buildings as part of Fairmont Southampton. Stay connected with your real estate agent for the latest updates.
The Property Group Ltd
The Property Group was the proud sole agent for the first four phases of the Tucker’s Point Golf, Beach and Tennis Resort, as well as the Hidden Cove Development. Our agents have represented many of the island’s most beaitifully appointed homes.
We look forward to helping you make owning a property in Bermuda a reality. Contact our office to start working with one of our agents today. Managing Director:
MAPS
NOT SURE WHERE TO START? THE INDISPENSABLE MAPS OF BERMUDA GUIDE WILL HELP YOU NAVIGATE FROM EAST TO WEST AND EVERYTHING IN BETWEEN.
INSIDER’S GUIDE
With so much to explore in Bermuda, you may just want to make this a permanent vacation. Here are our top picks for island real estate.
COLDWELL BANKER BERMUDA REALTY
11 Par La Ville Rd., Hamilton Tel: 247-1802
www.coldwellbankerbermuda.com
E-mail: mail@brcl.bm
Coldwell Banker Bermuda Realty, part of the Coldwell Banker Global Network, has been
Bermuda’s leading real estate firm since 1953. As the island’s largest provider, they offer a complete range of services — from luxury residential and commercial real estate to property management and more. They’re guided by performance, trust, integrity, and longevity. They pair global expertise with local insight, ensuring your property dreams become reality.
COLDWELL BANKER BERMUDA VACATION HOMES
11 Par La Ville Rd., Hamilton Tel: 292-1793
www.vacationhomesbermuda.com
E-mail: bermudarentals@brcl.bm
As Bermuda’s leading vacation rental provider, skip the usual hotel for a true Bermudian home from their unique portfolio. Whether you crave a beachfront retreat, a historic cottage, or a golf-course villa, they have the perfect place for you. Experience the real Bermuda — from its stunning beaches and warm hospitality to its vibrant culture and rich heritage. Reserve your dream island getaway and immerse yourself in an authentic Bermudian adventure!
THE PROPERTY GROUP LTD.
Nautilus House 82 South Rd., Warwick Tel: 234-6900
www.property-group.com
The Property Group Ltd. is the finest of Bermuda’s real estate companies. They represent the most desirable properties available in every sector of the residential market for sale or rent on the island. Call their office or e-mail them for more information. After hours, please contact Sallyann Smith at 535-4521 or sallyann@tpg.bm or Brittany Archer at 505-1466 or brittany@tpg.bm.
WASHINGTON PROPERTIES (BERMUDA) LIMITED
Church and Reid Streets, Hamilton Tel: 295-4186
www.washingtonproperties.bm
The perfect location from which to conduct business can be found in the “Heart of Hamilton.” Washington Properties, located between Church and Reid Streets, has offices available that range in size from 200 square feet to 15,000 square feet. Washington House, the newest member of Washington Properties, built in 2010, offers concierge service and secure access to the building. The offices accommodate local and international businesses, while the retail outlets offer a variety of products and services to both residents and visitors. Since they are within easy walking distance to financial and legal services, transportation, parking, restaurants, and shopping, it is hard to find a better location.
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