Business & Real Estate Guide by Visit Bermuda

From left: Photo courtesy of TABS Bermuda / Nhuri Bashir, Bermuda Tourism Authority /

Restaurant, The Loren at Pink Beach

Meredith Andrews

powerhouse

Unassuming in size, Bermuda commands a formidable presence in the realm of business and financial services.

COURTESY OF BERMUDA BUSINESS DEVELOPMENT AGENCY GLOBAL

Photo courtesy of TABS Bermuda / Gavin Howarth

iIn its mere 21 square miles, Bermuda emerges as a thriving centre for international business opportunities. Amid the pastel buildings, adorned balconies, and palmlined sidewalks of Hamilton, the capital city, billions of dollars are transacted daily, fuelling global commerce.

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 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, high-net-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 whilst 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.

Bottom photo by Meredith Andrews

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) is recognised for commercially sensible listing requirements. It represents a leading market for the listing of investment funds, debt- and insurancerelated 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–

Despite its diminutive physical scale, Bermuda wields a significant economic impact.

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 world-class 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) is celebrating 55 years of service 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 4,624 international

Continued on page 10

BY VANESSA MOLINA SANTAMARIA

YOUR GATEWAY TO ISLAND PARADISE

EMBARK ON A JOURNEY WITH BERMUDAIR AND INDULGE IN COMFORT AND EXCEPTIONAL CUSTOMER SERVICE WHILST GETTING TO YOUR DESTINATION IN STYLE.

WITH ITS TURQUOISE WATERS, pink-sand beaches, renowned golf courses, exquisite dining, upscale shopping, and rich cultural heritage, Bermuda stands out as a premier vacation destination. Moreover, it proves to be an ideal hub for conducting business across diverse industries, including insurance, technology, infrastructure, and asset management.

Regardless of what brings you to the island, there’s a new Bermudian airline that can get you there. Founded in 2023, BermudAir is a Bermudian airline operating from LF Wade International Airport that is dedicated to giving passengers an elevated experience whilst they fly directly to the island from five select U.S. destinations.

“BermudAir is dedicated to providing exceptional service to its passengers,” says Adam Scott, founder and CEO of BermudAir. “From the moment passengers step on board, the attentive cabin crew ensures a personalised and comfortable journey. Meticulous attention to detail and a commitment to passenger satisfaction are at the core of BermudAir’s service in both our economy cabin and business cabin.”

Travellers flying to Bermuda can choose from five convenient American destinations to begin their Bermuda

adventure: Boston (BOS), Westchester County, New York (HPN), Baltimore (BWI), Orlando (MCO), and Fort Lauderdale (FLL). Each airport offers convenient direct routes to and from Bermuda with flight times around two hours. The flights are frequent and conveniently timed, making them perfect for vacationers and business travellers going to and from Bermuda.

Beyond convenient locations and timing, it’s the experience on board that really sets BermudAir apart. BermudAir’s fleet is made up of Embraer E175 aircraft, which are well known for exceptional performance and passenger comfort. “The E175 offers a perfect blend of sophistication and functionality, providing a superior travel experience to passengers,” says Scott. “With its state-of-the-art amenities and spacious seating, the fleet exemplifies the commitment to excellence that defines BermudAir.”

BermudAir also goes far beyond the typical soda and bag of peanuts for their passengers’ culinary experiences. They partner with local companies to showcase the vibrant flavours of Bermuda on board, including local food and beverages such as Bermuda’s iconic Rum Swizzle. It all adds up to a top-notch flight experience on your way to and from this beautiful island destination.

To learn more about BermudAir, visit www.flybermudair.com.

Photo courtesy of BermudAir

BUILT FOR RESILIENCE

FROM LIMESTONE STRUCTURES TO NATURAL COOLING, BERMUDA’S UNIQUE APPROACH TO BUILDING HELPS PROVIDE A SAFE AND COMFORTABLE QUALITY OF LIFE.

IN 2023, the world experienced its hottest year on record, highlighting the impacts of global warming through extreme weather events and natural disasters. Communities suffered searing heat, flash floods, rapidly expanding firestorms, and

several natural disasters from volcanic activity and earthquakes. People are finally beginning to respond to the effects of global warming by creating sustainable, resilient developments and environmentally sensitive infrastructure. Bermuda has adopted resilience strategies used abroad for over 400 years.

Bermuda’s summer temperatures rose 2 degrees Fahrenheit last year (average 85 degrees). Ocean currents control our mild annual air temperatures, so as the Gulf Stream continues to circulate, Bermuda should be a very comfortable place to be. Sea temperatures and winds have been designed to provide a pleasant environment for hundreds of years, circulating fresh air through our homes and neighbourhoods.

Last year, the island had plenty of rain, but each home’s water tanks (cisterns)

 Understanding nature’s cycle is a good place to start when buying or building a property.

regularly harvest this essential resource for potable and sanitary uses. The island’s resilience depends on water tanks, especially after a seasonal hurricane, whilst utilities are still recovering. With 4 to 5 inches of rainfall per month, island gardens and trees grow lush canopies of rich green leaves and bright flowers. Trees absorb carbon and add oxygen whilst shading and lowering air temperatures.

The island is relatively steeply undulating, so it is unusual to find infrastructure in flood plains or other low-lying areas.

Generations of seafaring Bermudians have taken note of the time and tides, especially the “King Tides,” when the normal tidal flow is increased by 12 to 24 inches in height. By positioning our homes on the edge of hills, the dwellings are protected from increasing tidal immersion in lower areas.

Understanding nature’s cycle is a good place to start when buying or building a property. Building structure resilience is also crucial for success. Since 1712, when a major hurricane destroyed all island constructions not made of Bermuda stone, buildings have been built using natural limestone or, more recently, concrete block or masonry units. These tough, noncombustible walls insulate the structure. The unique Bermuda roof, sloped at the optimal angles to withstand hurricane gusts, is also formed by nature.

The founders and generations of OBMI designers have used environmental lessons to develop unique, contextual, and resilient architecture solutions for over 87 years. The merging of architecture, interior design, and landscape architecture creates a completely integrated design approach that uses modern sustainable methods and the natural world around us. We find that applying the best tactics required by current International Building Codes into contextual Bermuda design characteristics’ legacy or resilient designs is best. OBMI-designed timeless houses and structures will withstand the climate emergency and provide a safe and comfortable family retreat for years.

Photo courtesy of OBM 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 $1.78 billion in total output, or 28.1 percent of total GDP. The Department of Statistics estimates that in the first three quarters of 2022, international business accounted for over 90 percent of foreign exchange earnings, providing $1,973.4 million in foreign currency receipts (excluding financial services). This combined figure grew by $224 million, or 12.8 percent, when compared with 2021.

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-

GOOD TO KNOW

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/

Continued from page 5

client structures. It is also a major assetmanagement 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, diversifying 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

concierge-business-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.

USEFUL BUSINESS CONTACTS

Bank of N.T. Butterfield & Son Limited, The

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

www.bermudachamber.bm

Bermuda Commercial Bank Limited

Tel: 295-5678

www.bcb.bm

Bermuda Executive Services

Tel: 296-5627

www.bermudaemployment.com

Bermuda Government

Tel: 295-5151

www.gov.bm

Bermuda Government

Economic Development Department

Tel: 444-2253

www.gov.bm

Bermuda Hotel Association

Tel: 295-2127

www.visitbermudanow.com

Bermuda Monetary Authority

Tel: 295-5278

www.bma.bm

Bermuda Philatelic Bureau

Tel: 297-7865

https://philatelic.bermudapost.bm

Bermuda Post Office

Tel: 297-7865

www.bermudapost.bm

Bermuda Stock Exchange

Tel: 292-7212

www.bsx.com

Bermuda Tourism Authority

Tel: 296-9200

1-800-BERMUDA (237-6832) www.gotobermuda.com

Bermuda

Yellow Pages

Tel: 297-9355

www.bermudayp.com

BermudAir

Tel: 543-9200

844-543-9200

www.flybermudair.com

Clarien Bank

Tel: 296-6969

www.clarienbank.com

Coldwell Banker

Bermuda Realty

Tel: 292-1793

www.coldwellbankerbermuda.com

Corporate Concierge

Bermuda Ltd.

Tel: 296-8575

www.corporateconcierge.bm

Electronic Services

Limited

Tel: 236-3885

www.electronicservices.bm

Gateway Systems Limited

Tel: 292-0341

www.gateway.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

Property Group Ltd., The

Tel: 234-6900

www.property-group.com

Washington Properties (Bermuda) Limited

Tel: 295-4186

www.washingtonproperties.bm

West End Development Corporation (WEDCO)

Tel: 234-1709

www.wedco.bm

Willowbank Resort & Conference Centre

Tel: 234-1616

www.willowbankresort.com

Our

Bermuda’s safe and sophisticated island lifestyle is perfect for families as well as corporate relocations.

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 bluechip 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: 2023 was a record year for cat bond and ILS issuance, hitting a new high of $16 billion. Today, Bermuda has the largest depository of ILS listings with more than 90 percent of global capacity.

Moving to Paradise

Against a stunning backdrop of pink-sand beaches, turquoise waters, and pastel-coloured 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, whilst its pro-business culture and gold-standard regulatory regime offer global businesses a

 Bermuda’s economic model also supports hundreds of thousands of jobs globally.

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/online-services/getstandard-work-permit. Once your work permit’s been secured, you can finally start settling into island life.

NAVIGATING THE FUTURE OF FINANCE

BERMUDA IS A FINTECH EPICENTRE FOR BUSINESS LEADERS.

AT THE CROSSROADS of tradition and innovation, Bermuda is a pivotal force in the digital assets sector.

With clear legislative and regulatory frameworks, long-standing economic stability, and increasing connections between its existing insurance, international business, and fintech sectors, Bermuda is an ideal location for launching start-ups, establishing partnerships, testing new products, and scaling operations on the global stage.

A thoughtful, well-defined strategy guides Bermuda’s approach to digital assets, fintech, and insuretech. As seen by the increasing number of licensed digital asset businesses and insurers engaging with fintech, the island’s unique blend of forward-thinking legislation, regulatory understanding, and a nurturing environment for technology and consumer protection positions it as an exemplary model for fintech innovation and investment.

At the forefront of Bermuda’s fintech revolution is its proactive stance on navigating the ever-evolving digital asset landscape. The Digital Asset Business Act 2018 sets the gold standard for licensing, providing fintech companies with a clear path to becoming regulated. The Virtual Currency Business Act and the Digital Asset Custody Code of Practice further ensure Bermuda is a secure and reputable place for digital finance ventures, striking the right balance between fostering innovation and ensuring fair regulation.

The Bermuda Monetary Authority (BMA), the island’s stalwart regulator, enables this business-friendly environment. Indeed, the BMA is pivotal in facilitating market access, keeping open communication lines, and allowing

companies to navigate the regulatory landscape. The BMA also offers an insurance regulatory sandbox and an innovation hub, providing a controlled environment for testing novel technologies and business models. For those considering setting up in Bermuda, the ease of connecting and engaging directly with the BMA for regulatory clarity is a clear advantage.

Economically, Bermuda stands on solid ground, with the Bermuda dollar’s long-standing peg to the U.S. dollar providing financial stability and easy integration for companies. The island has been internationally lauded for its efforts against money laundering and terrorist financing, earning high marks from global bodies for compliance.

Bermuda also stands out for its globally leading insurance and reinsurance industries, which make it the risk capital of the world and are increasingly intertwined with its fintech sector. The island’s competitive tax structure and a reservoir of highly skilled professionals, particularly in finance and professional services, add to its allure.

Beyond business, Bermuda offers an enviable lifestyle with a safe, familyfriendly environment that is perfect for those considering relocation. Boasting crystal-clear waters, a consistently year-round pleasant climate, and a vibrant international community, the island stands out as an ideal destination for global business leaders and travellers.

Bermuda is more than a hub of financial innovation. It’s an open invitation for businesses and entrepreneurs to join in and contribute to a thriving future in fintech.

Small Pebble, Big Ripple.

At only 21 sq. miles, Bermuda is a forward-thinking FinTech jurisdiction with a world-class reputation for progressive legislation, robust regulation, and as a centre for innovation.

Home to an ever-expanding ecosystem, we’re leveraging our expertise to become the driving force in Fintech.

Let’s drive change together.

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)

129 Front St., Hamilton

Tel: 444-2253

www.gov.bm

Facebook:

@EcomonicDevelopmentDepartment

Instagram: @edd_bermuda

LinkedIn: The Economic Development Department

The EDD facilitates the exploration of innovative trends and the development of appropriate policies in support of Bermuda’s economic development and diversification goals. It also promotes Bermuda as the optimal jurisdiction across industries. In addition to housing the Office of Fintech, the EDD provides a wide range of services including concierge and engagement as well as education and training. It is also responsible for the Alien Land Licensing and the Incentives for Job Makers processes.

BERMUDA MONETARY AUTHORITY

BMA House

43 Victoria St., Hamilton

Tel: 295-5278

www.bma.bm

The Bermuda Monetary Authority (BMA) regulates Bermuda’s financial services industry. Established by statute in 1969, the BMA has evolved significantly over almost five decades to meet the changing needs of the financial services sector on a local and global scale. The comprehensive macroprudential regulatory approach has become an integral part of its toolkit in reducing the risk of instability in the financial services sector. Coupled with this approach is the BMA’s support of Bermuda’s overall framework in order

to create a secure and stable financial environment in Bermuda whilst ensuring that the island remains an attractive jurisdiction for conducting local and international business. Additional responsibilities for the BMA include issuing Bermuda’s national currency, managing exchange control transactions, assisting other agencies with the detection and prevention of financial crime, and advising the government on banking and other financial and monetary matters. The BMA develops risk-based financial regulations that it applies to the supervision of Bermuda’s banks, trust companies, investment businesses, investment funds, fund administrators, money service businesses, corporate

service providers, and insurance companies.

BERMUDA PHILATELIC BUREAU

Bermuda Post Office

56 Church St., Hamilton

Tel: 297-7865

https://philatelic.

bermudapost.bm

The Bermuda Philatelic Bureau is located within the Bermuda Post Office in the City of Hamilton. The Bermuda Philatelic Bureau's primary function has been to provide sufficient stamps for general postage use. They have always strived to produce stamps that are appealing and interesting to philatelic collectors and stamp enthusiasts. As part of their 2024 proposed stamp issues, there are Bermuda Fruits stamps (April 4), Mary

Photo courtesy of TABS Bermuda / Nhuri Bashir

Prince stamps (July 17), Alternative Christmas Trees stamps (September 19), and their Presentation Packs slated for November.

BERMUDAIR

5 Reid St., Hamilton

Tel: 543-9200 / 844-543-9200 (toll-free from Canada and U.S.)

www.flybermudair.com

BermudAir is Bermuda’s boutique airline, committed to redefining the travel experience. Operating convenient year-round flights between Bermuda and Baltimore, Boston, Fort Lauderdale, Orlando, and Westchester County/ NY, BermudAir enhances connectivity to the U.S. East Coast and South Florida. With a dedication to exceptional service, and curated onboard offerings showcasing the island’s renowned hospitality and varied locally available food and beverages, BermudAir provides an unparalleled travel experience. For more information and to book flights, download the BermudAir app or visit www.flybermudair.com.

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 oneand two-seater scooters, electric pedal bikes, and fun, easy-to-manoeuvre twoseater 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 from 200 square feet to 15,000 square feet. Washington House, the newest member of Washington Properties, built in 2010, offers concierge service and security 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. Within easy walking distance to financial and legal services, transportation, parking, restaurants, and shopping, it is hard to find a better location.

WEST END DEVELOPMENT CORPORATION (WEDCO)

Clocktower Shopping Mall, Upper Level

Tel: 234-1709

www.wedco.bm

West End Development Corporation (WEDCO) was

established in 1982 to assist in the commercial and residential development of the West End. With over 220 acres of land spanning across five islands — in addition to Bermuda’s premier cruise ship port and a heavy lineup of well-established commercial businesses across a range of industries, including semi-industrial, retail, hospitality, and service — WEDCO continues to develop the land it has been entrusted with, keeping sustainability and future growth in mind whilst creating a plethora of investment opportunities for local and overseas developers, entrepreneurs, and/or venture capitalists. As Royal Naval Dockyard continues its transformation into Bermuda’s new commercial hub, WEDCO continues to reshape the entire West End, creating a vibrant “live, work, play” community.

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, audio visual, 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 & 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 Development Company www.bldc.bm

Bermuda Monetary Authority www.bma.bm

Bermuda National Library www.bnl.bm

Bermuda Philatelic Bureau https://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 & DINING DELIVERIES

Crown Point

Grocery Services

Tel: 621-7829

www.crownpointbda.com

Pronto Grocery & Retail Delivery

Tel: 542-4350

www.pronto.bm

Sargasso Dining Delivery

Tel: 542-4350

www.sargassosea.app

GROCERY STORES

Harrington Hundred’s

99 South Shore Rd., Smith’s

Tel: 293-1635

Lindo’s Family Food

126 Middle Rd., Warwick

Tel: 236-1344

Market Place

Supermarket, The Islandwide

Tel: 295-6006

Miles Market

96 Pitts Bay Rd., Pembroke

Tel: 295-1234

HEALTHCARE

Atlantic Caregiving

Tel: 292-9690

www.atlanticcaregiving.com

B.M.S.G. Health Express

Urgent Care

Tel: 292-0022

www.bermudamedical.com

Family Practice Group, The 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

Media Lounge Cinema, The 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

Royal Gazette, The 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

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

Perot Post Office 11 Queen St., Hamilton Tel: 292-9052

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

Sea Express Ferry

Tel: 295-4506

www.marineandports.bm

Smatt’s Cycle Livery Ltd.

Tel: 295-1180/238-7800

www.smattscyclelivery.com

VETERINARIAN

Endsmeet Animal Hospital Tel: 236-3292

www.endsmeet.bm

save the date

Discover the vibrant spirit of Bermuda through its lively events and festivals. From sporting competitions and cultural celebrations to beloved holiday festivities, there’s something for everyone to enjoy. Explore the calendar below for a glimpse into the major annual events and festivals that take place throughout the year.

Non-Mariners Raft Up, Aug 4

Vegan Fest, Aug 25

Bermuda Sandcastle Competition, Aug 31

MAY

Bermuda Sail Grand Prix (Sail GP)

May 4–5

Town of St. George Peppercorn Ceremony

May 8

BHA and Visit Bermuda Adrian Hassell Memorial Scholarship Golf Tournament

May 10

Dive Week

May 12–18

Harbour Nights

Wednesdays, May 15 to Aug 28, 7 to 10 p.m.

Bermuda Day

May 24

Bermuda Day Half-Marathon Derby

May 24

Celebrity Chef Series, May to August

JUNE

Annapolis to Bermuda Ocean Race

June 7–10

Carnival in Bermuda

June 12–17

Newport to Bermuda Race

June 21–23

JULY

Bermuda Billfish Blast, July 3–7

Bermuda Triple Crown Billfish Championship

July 13–17

Sea Horse Anglers Club Billfish Tournament

July 19–23

Eastern Counties Cup Association (ECCA)

Annual Classic

July 20, Aug 17, Sept 7

AUGUST

Bermuda Cup Match Cricket Classic

Aug 1–2

Bermuda Pride

SEPTEMBER

Labor Day 5K Race, Sept 2

St. George’s Seafood Festival

OCTOBER

Bermuda Celebrity Golf Invitational Oct 4–8

Round the Sound Swim, Oct 13

Royal Naval Dockyard Fall Festival Oct 19

Bermuda Gold Cup, Oct 29–Nov 3

Bermuda Art Month

Bermuda International Gombey Festival

Bermuda Swizzle Fest

Oktoberfest 2024

Taste of Bermuda

NOVEMBER

Bermuda World Rugby Classic Nov 1–9

Butterfield Bermuda Championship PGA Tour, Nov 11–17

DECEMBER

Bermuda National Trust Christmas Walk-about, Dec 6

Royal Naval Dockyard Holiday Festival Dec 8

Goodwill Bermuda Golf Tournament Dec 8–11

New Year’s Eve Celebration, Town of St. George, Dec 31

North American Rally to the Caribbean (NARC)

Bermuda Christmas Boat Parade

JANUARY

Chubb Bermuda Triangle Challenge

Jan 17–19

Bermuda Restaurant Weeks January to February

FEBRUARY

Bermuda Spa Month

MARCH

Bermuda Triple Challenge

Wine Festival

Zoom around the Sound

APRIL

Good Friday Kite Flying Apr 18

Bermuda Agricultural Exhibition

Convex End to End

USATF Bermuda Grand Prix 2024

Important:

Photos courtesy of Bermuda Tourism Authority (2)

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 .................................... 888-247-2262

American Airlines 800-744-0006 / 293-1420

BermudAir 844-543-9200 / 543-9200

British Airways ............................ 800-247-9297

Delta Airlines 800-221-1212 / 293-1024

JetBlue Airlines 800-884-9616

United Airlines ............................ 800-864-8331

WestJet 800-204-0020

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 (500-5000; www.digicelgroup.com/bm/en.html) and One Communications (700-7000; www.onecomm.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) and One Communications (700-7000; www.onecomm.bm).

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 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. Visa, MasterCard, and American Express cards are accepted mostly everywhere on the island.

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), Hook delivery service (519-9696; www.hook.bm), and Pronto grocery and retail delivery and Sargasso food delivery (542-4350; www.pronto.bm, 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

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: July and August

• Horseshoe Bay: May 1 to November 30

MOVIE THEATRES

Watch a movie at Speciality Cinema & Grill, 12 Queen Street, Hamilton (292-2135, 295-2751; 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

• Howarth Photography Ltd.; www.gavinhowarth.com

• Meredith Andrews; www.meredithandrewsphotography.com

• Moongate Productions; www.moongateproductions.com

POPULATION

The 2023 population of Bermuda is approximately 64,069. (Source: www.gov.bm)

POST OFFICE

....................................... 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

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 2024/25

Bermuda Day ............................. Friday, May 24

National Heroes’ Day Monday, June 17

Emancipation Day Thursday, August 1

Mary Prince Day (formerly Somers’ Day)

Friday, August 2

Labour Day Monday, September 2

Remembrance Day ....... Monday, November 11

Christmas Day

Boxing Day

New Year’s Day

December 25

Thursday, December 26

Wednesday, January 1, 2025

Good Friday ............................................................................. Friday, April 18, 2025

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.

Photo courtesy of TABS Bermuda / Queendom Heights

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 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.

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 $32 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. (295-1180), 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 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 aboard a ferry. Rental rates range from about $30 to $40 a day, with $15 insurance waiver required. If you need a little bit more help pedalling, try a hybrid electric bike.

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 half-day. 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).

Two rideshare apps are also available. Download the Pink app for both Apple and Android phones (232-2453; www.pink.bm) and find the nearest Pink e-bike zone and start a bike and unlock a helmet from your phone. Prices start at $0.25 a minute with a $4 unlocking fee. The Whip app (777-2539; www.grabawhip.com) allows you to unlock an electric push scooter. Rates start at $0.75 a minute and a $3 unlocking charge. Whips can be left anywhere around the island and not at a designated location.

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 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.

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 midnight:

• For a one- to four-passenger taxi: $7.90 USD for the first mile, $2.75 USD for each additional mile

• For a five- to seven-passenger taxi: $9.95 USD for the first mile, $3.50 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 midnight 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).

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 $50 USD per hour for a one- to four-passenger taxi or $70 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:

10 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).

Photo courtesy of TABS Bermuda / Queendom Heights

Photo courtesy of The Property Group Ltd.

PARADISE

Explore the natural beauty, high standard of living, and vibrant culture that make Bermuda the ultimate destination for homebuyers.

Meredith Andrews

w

With its pink-sand beaches, turquoise waters, and charming blend of British, American, and Caribbean influences, Bermuda is an idyllic haven for those seeking a vacation home in paradise. Beyond being a premier tourist destination, Bermuda offers overseas buyers a unique opportunity to own a slice of this island haven. Here, we will delve into the features, benefits, and perks that make purchasing a vacation home in Bermuda a dream come true for those seeking an escape to tranquillity.

Breathtaking Natural Beauty

Bermuda’s natural beauty is unparalleled, and owning a vacation home here means waking up to breathtaking scenery every day. From the iconic Horseshoe Bay with its pink sands to the lush gardens and crystal-clear waters, Bermuda’s landscapes are a feast for the senses. Imagine having a front-row seat to stunning sunsets over the Atlantic Ocean or a private oasis surrounded by tropical foliage; owning a vacation home in Bermuda is an invitation to immerse yourself in nature’s beauty.

Bermuda’s natural beauty is unparalleled, and owning a vacation home here means waking up to breathtaking scenery every day.

Exclusive Waterfront Properties

Bermuda’s real estate market boasts exclusive waterfront properties for those desiring the epitome of luxury and relaxation. Whether it’s a beachfront villa, a charming cottage overlooking a tranquil bay, or a residence with a private dock for your boat, the options are diverse. These exclusive waterfront properties provide a sense of serenity and offer unparalleled access to the island’s aquatic wonders, creating a seamless connection between your vacation home and the azure waters surrounding it.

Year-Round Tropical Climate

Bermuda enjoys a subtropical climate, making it an ideal year-round destination. Owning a vacation home in Bermuda means escaping the extremes of winter and revelling in consistently mild temperatures. The island’s pleasant climate allows for outdoor activities throughout the year, from lounging on the beach in the summer to exploring nature trails and golf courses during the cooler months.

Rich Cultural Experiences

Beyond its natural beauty, Bermuda offers a rich cultural tapestry. Its architecture, museums, and UNESCO World Heritage Site reflect the island’s history. The Town of St. George, the oldest continuously inhabited English settlement in the Americas, provides a glimpse into Bermuda’s colonial past. Owning a vacation home in Bermuda allows you to immerse yourself in the island’s unique blend of British and Caribbean influences, experiencing vibrant local traditions and events that enrich your cultural journey.

Continued on page 30

Photo courtesy of Newstead Belmont Hills Golf Resort & Spa

Photo courtesy of The Property Group Ltd.

BY ALISA BERNARDO

MAKING BERMUDA HOME

HERE ARE SOME ESSENTIAL TIPS TO ENSURE A SMOOTH RELOCATION TO BERMUDA.

BERMUDA’S MAGNETIC CHARM

continues to captivate individuals from around the world. Mark Twain, known for his eloquent observations, famously quipped, “You can go to heaven if you want to. I’d rather stay in Bermuda.” While the island has evolved since Twain’s time, its enchanting allure remains unchanged. Spanning a mere 21 square miles, Bermuda is an ethereal paradise that more than 63,000 fortunate souls call home. If you’re considering joining their ranks, here are some essential insights to guide your transition.

REQUIREMENTS FOR ENTRY

Before becoming a resident of Bermuda as a non-Bermudian, you first need to secure work. If you successfully apply for a job, your employer will need to obtain a work permit approved by the government, which can range from one to five years. If you have a spouse or children, they can join you in Bermuda as your “dependents” if they are eligible; but this does not permit them to work in Bermuda.

Another way to stay in Bermuda longer than the permitted vacation period of three months is by applying for the “Work from Bermuda” 1-year Certificate. This

enables digital nomads to work remotely from Bermuda for registered companies operating overseas.

WHERE TO STAY

Once you receive the approved paperwork to live in Bermuda, you will be eager to rent your share of the “rock,” as locals affectionately call the island. Due to Bermuda’s quaint size and exclusivity, rental prices may be higher than what you’re used to. Depending on the property size you’re looking for, several real estate agencies can help you find your dream home or understand current investment laws if you are looking to buy.

GETTING AROUND

Many new residents are unaware that only one car is permitted per household in Bermuda. However, you can own multiple scooters, which is the preferred method of transport for most islanders. Bermuda also has a robust public transportation system with Sea Express ferries and Bermuda Breeze buses.

For those looking to own and operate a vehicle, obtaining a driver’s licence in Bermuda is simple and consists of three main steps. First, you need to complete

a Driver’s Licence Application, which includes a visit to your doctor to confirm you are fit to operate a vehicle and a copy of your work permit and rental lease to show proof of residency. Then you will be required to take a written exam on the rules of Bermuda’s roads. A handbook to help you study beforehand can be purchased at the Transport Control Department. Once you successfully pass the exam, you can purchase a learner’s permit for your preferred vehicle. From there, you should familiarise yourself with Bermuda’s roads by booking lessons with a local driving instructor, the details of which can be obtained by calling the Transport Control Department. Once you are comfortable and confident driving on the left-hand side of the road, your instructor can schedule a driving test for you. A passing grade on your driving test will grant you a licence valid for up to 10 years, depending on your age.

COST OF LIVING

Bermuda’s cost of living is higher, largely due to its isolated location in the Atlantic Ocean. Everything from clothing to furniture and most food items is imported, driving up prices. Instead of shipping in your previous items like furniture, you may find it more

Meredith Andrews

Expect to be greeted by unfamiliar faces in the streets and to strike up a friendly conversation with the stranger sitting next to you on the bus.

economical to purchase them from secondhand stores after you arrive. Be mindful when importing goods that you must pay customs duty. When it comes to grocery shopping, try to support local farms and fishermen or buy from bulk stores.

EDUCATION OPTIONS

Bermuda offers a range of educational options, including both public and private schools, for families with children. Each school follows a unique curriculum, providing opportunities for students to pursue pathways similar to those they may have experienced before. For example, Mount Saint Agnes Academy offers the Alberta, Canada, provincial curriculum; and Saltus Grammar School offers a variety of Advanced Placement courses for high school–aged students. Most other schools on island follow the U.K. National Curriculum including I/GSCE and the International Baccalaureate.

ISLAND LIFESTYLE

In Bermuda, you will embrace a slower pace of life and often find yourself stopping to appreciate the island’s beauty and its people. Expect to be greeted by unfamiliar faces in the streets and to strike up a friendly conversation with the stranger sitting next to you on the bus. This camaraderie is a hallmark of Bermuda’s culture and customs.

Be sure to sample Bermuda’s culinary delights. Local favourites include fried fish sandwiches served on raisin bread, flavourful fish chowder, and traditional codfish breakfasts — all pair nicely with one of the island’s celebrated libations, a Dark ’n Stormy or a Rum Swizzle.

Meredith Andrews (3)

NOT SURE WHERE TO START?

THE INDISPENSABLE MAPS OF BERMUDA GUIDE WILL HELP YOU NAVIGATE FROM EAST TO WEST AND EVERYTHING INBETWEEN

Continued from page 26

Gourmet Dining and Culinary Delights

Bermuda’s culinary scene is a fusion of international influences, offering diverse dining options. From seafood fresh off the boat to global cuisine prepared by world-class chefs, the island caters to every palate. Owning a home in Bermuda means having easy access to gourmet dining experiences, whether a romantic dinner overlooking the ocean or a casual beachside lunch. The island’s food festivals and events celebrate local flavours, adding a gastronomic dimension to your Bermuda retreat.

Recreational Activities and Watersports

For those who love outdoor activities, Bermuda is a playground of possibilities. Snorkelling in vibrant coral reefs, sailing in the sound, and playing golf on world-class courses are just a few recreational options. Indulge in your favourite pastimes surrounded by the island’s natural beauty.

 Owning a home in Bermuda means having easy access to gourmet dining experiences.

Exclusive Membership Clubs and Amenities

Many vacation home developments in Bermuda offer residents exclusive membership clubs and amenities. These include private beach access, golf courses, spa facilities, and concierge services. Owning a vacation home in a community with such amenities ensures a luxurious and stress-free lifestyle where your every need is catered to.

Accessibility and Connectivity

Bermuda’s strategic location in the north Atlantic Ocean, just a short flight from major cities on the East Coast of the United States, makes it easily accessible for overseas buyers. Regular flights connect Bermuda to major hubs like New York, Boston, and Miami, providing convenience for those who wish to visit Bermuda regularly.

Photo courtesy of Blû Bar & Grill

Property Purchase Regulations

Residential real estate in Bermuda falls into two main categories: properties exclusively available to Bermudians, PRCs, and Belongers and those accessible to international buyers. Navigating the regulations for overseas purchasers can be intricate, making collaborating with experienced professionals well versed in guiding international buyers through Bermuda’s regulatory landscape imperative. This ensures the avoidance of unforeseen costs, delays, and disappointments.

Currently, leasehold condominiums are only open to overseas buyers if they possess a Residential Certificate or the condominium is situated in a government-approved resort residential development. Purchasing a leasehold condominium outside such a development requires a minimum investment of $2.5 million to initiate the Economic Investment Residential Certificate (EIRC) process. Upon EIRC approval, an application for a Residential

Many vacation home developments in Bermuda offer residents exclusive membership clubs and amenities. These include private beach access, golf courses, spa facilities, and concierge services.

Certificate can be made, allowing the purchase of a leasehold condominium outside a government-mandated resort residential development, subject to the ARV threshold policy.

The cost of a License to Acquire varies based on the property type. The current license application fee is $1,706, refundable upon approval, with rates set at 12.5

percent for a residential home, 8 percent for a condominium, 6.5 percent for a property within a hotel development, and 6 percent for PRC purchasers.

Starting Prices and Inventory

Due to immigration restrictions, the availability of properties for overseas purchasers in Bermuda is limited, with approximately 20 houses currently listed for sale, starting at around $4 million.

In the East, at St. Regis Residences in St. George’s, two- and three-bedroom condo/hotel residences start just under $2 million, with the option to include the residence in the voluntary hotel rental management program.

There are three fractional ownership options with occasional re-sales: Newstead Belmont Hills Golf Resort & Spa, starting at $55,000; The Reefs Resort & Club, starting at $172,000; and Tucker’s Point Club Golf Villas, starting at $180,000.

For whole ownership with a maximum occupancy of 90 days a year, the Bermudiana Beach Resort offers the following starting

Depending on the property size you’re looking for, several real estate agencies can help you find your dream home.

prices: studio at $412,500; one bedroom at $433,500; two bedrooms at $614,000; and three bedrooms at $825,000.

In the City of Hamilton, a new executive development at 33 Church Street features three-bedroom units starting at $4,125,000.

A new residential enclave and boutique hotel, Nautilus, consists of privately owned residences on a licensed hotel’s grounds. Owners must commit to the Hotel’s Rental Program for at least one lockedoff bedroom for at least 50 percent of the calendar year for five years. The price of the remaining units starts at $2,895,000.

While other developments are in progress, details are pending finalisation. Stay in touch with your real estate agents for updates on inventory and supply.

Photos courtesy of The St. Regis Bermuda Resort (2)

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 VACATION HOMES

11 Par La Ville

Tel: 292-1793

Hamilton

www.vacationhomesbermuda.com

Why not make precious family memories in Bermuda by sharing a comfortable vacation home with your nearest and dearest? Even with a multigenerational group, who may wish to take their own different paths, think how great it is to rise in the morning and share breakfast listening to the island birds whilst planning your day to either swim, tour, eat at fabulous restaurants, or simply lie by the pool.

Then gather once more in the evening, light the barbecue, or even hire a private chef; enjoy the ambience of eating outside in the balmy Bermuda nights. Share your experiences, all under one roof.

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 security 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.