What types of personal insurance does Freisenbruch offer in Bermuda?
Freisenbruch provides a wide range of personal insurance solutions tailored for Bermuda residents:
HomeCover: Comprehensive protection for residential property structures, contents, and vacation rental properties.
Motor & Bike Insurance: Coverage for private cars, bikes, scooters, and trailers. Marine Insurance: Protection for private boats, yachts, and personal watercraft.
Life & Personal Insurance: Financial security for your family and personal possessions.
What commercial insurance policies are available for Bermuda businesses?
Freisenbruch offers custom commercial insurance options for local operations and corporate entities:
Property & Casualty / Business Interruption: Safeguards commercial premises, equipment, and lost income during operational disruptions.
Commercial Fleets & Vessels: Coverage for commercial cars, trucks, and commercial marine vessels.
General & Employer’s Liability: Protection against third-party injuries, property damage, and workers' compensation risks.
Specialized Coverage: Professional Indemnity, Medical Malpractice, Directors & Officers (D&O), and Key Person insurance.
How do I start or submit an insurance claim with Freisenbruch?
You can initiate a claim 24/7 directly through the Freisenbruch Online Claims Portal. The portal allows you to input incident details, upload driver’s license information, attach up to 10 photos or police reports, and digitally sign your claim form. Alternatively, you can contact the claims team at +1 (441) 296-3600.
Does Freisenbruch offer No Claims Discounts (NCD) for motor insurance?
Yes. Freisenbruch rewards safe driving habits on Bermuda's roads. They also offer No Claims Discount Protection, which helps ensure that your built-up discount isn't automatically lost or penalized if you experience an unexpected accident.
What information or documents do I need to submit a motor accident claim?
To process a motor insurance claim efficiently through Freisenbruch's Claims Center, you will need:
Date, time, and specific location of the incident.
Policyholder details, driver’s license details, and vehicle registration numbers. Third-party contact, vehicle, and insurance information.
Photos of vehicle damage, a police report (if applicable), and repair estimates.
Is my home covered against storms and hurricanes under HomeCover?
Yes. Freisenbruch's HomeCover policies are designed specifically for Bermuda's climate and building standards, offering property and structural protection against severe weather events like hurricanes and storms. It also covers property contents and offers options for vacation rentals.
Can I combine or bundle my insurance policies for savings?
Yes. Clients can bundle multiple insurance lines (such as HomeCover, Motor, and Marine policies) under Freisenbruch. Bundling provides multi-policy savings, simplifies policy administration, and gives you a single point of contact for all your coverage needs.
Does Freisenbruch offer Marine Cargo insurance for imported goods?
Yes. Given Bermuda's reliance on imported goods, Freisenbruch provides specialized Marine Cargo and Goods in Transit insurance. This protects commercial freight, machinery, and inventory being transported to or from the Island by sea or air.
How do repair estimates work after a property or motor claim?
When you submit a property, motor, or marine claim, Freisenbruch's claims adjusters assess the damages. For significant damage (typically exceeding $4,000), you may be requested to provide two independent repair estimates to ensure fair pricing and quick turnaround for repairs.
