BF&M Limited provides various insurance products in Bermuda and the Caribbean. The company operates through six segments: Health, Life, Annuity and Pension, Property and Casualty, Real Estate, Barbados Operations, Cayman Islands and Other Caribbean Operations, and Corporate and Other. The company provides group and individual health and accident, life, disability, and annuity insurance, as well as pension products. It offers insurance coverage for personal and commercial fire, windstorm, burglary, public liability, marine, special types, personal automobile, personal auto-cycle.