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Brad Adderley is the Bermuda Managing Partner and has overall responsibility for managing the operations of Appleby’s Bermuda office. He is also the Bermuda Group Head of the Corporate department and the Insurance and Reinsurance global sector leader. Brad was appointed to these positions in January 2022. Brad has been a member of the Insurance team for over 25 years.

He has extensive experience in the insurance and reinsurance market and specialises in ILS and alternative collateralised reinsurance investment transactions. He has advised clients on a wide range of transactions including catastrophe bonds, special purpose insurers, sidecars, life insurance securitisations, and other fully collateralised structures. Brad is also a member of Appleby’s global Technology & Innovation group, providing comprehensive advice in connection with all aspects of digital asset issuances and the carrying on of digital asset business.

Work Highlights


  • SELECTIVE INSURANCE, Appleby acted as Bermuda counsel to Selective Insurance in relation to securing $325m in reinsurance from debut cat bond;
  • KUVARE HOLDINGS, Appleby advised Kuvare Holdings (Kuvare) on its formation of Kindley Re Ltd. (Kindley Re), a newly formed Bermuda-domiciled reinsurer which will co-invest at least USD 400 million with Kuvare in qualifying life insurance and annuity transactions (2023);
  • SWISS RE, Appleby Bermuda advised Swiss Re in its USD1.15bn innovative transaction combining bank financing and insurance-linked securities, a first of its kind deal set to provide Swiss Re with multi-year reinsurance and retrocessional protection (2022);
  • INTEGRAL ILS LTD., Appleby acted as Bermuda counsel to Integral ILS in relation to its USD 1.4 billion in total investor commitments (2022);
  • TRANSVERSE, Acted as Bermuda counsel to Transverse Insurance Group in their partnership with AmRisc LLC, a subsidiary of Truist Insurance Holdings and the largest catastrophe-focused property MGA in the United States (2021);
  • PARTNERRE, Acted as Bermuda counsel for PartnerRe in connection with the launch of a new retro sidecar (2021);
  • INTEGRAL ILS LTD., Advised Integral ILS Ltd., in connection with a significant cornerstone investment from alternative investment manager New Holland Capital (NHC), bringing secured commitments up to $600 million (2021);
  • ALLIANZ, Appleby acted for Blue Halo Re Ltd. in its issuance of $175m Series 2020-1 Class A and Class B notes (2020);
  • ASCOT, Acted as Bermuda counsel to Ascot, one of the world’s pre-eminent specialty risk assumption organizations, in its issuance of $400 million of Senior Notes due 2030 (2020);
  • AXIS CAPITAL, Advised Bermuda-headquartered global (re)insurer AXIS Capital in its 2020 issuance of insurance and reinsurance linked notes. The company continues to expand on its insurance-linked securities (ILS) activities, particularly in private quota shares, while the Alturas Re Sidecar allows it to also syndicate some of its risk to investors in securitised form (2020);
  • CONVEX GROUP LIMITED, Acted as Bermuda counsel to Hypatia Ltd. In connection with its formation and issuance of 300m notes issued in two traches, class A and class B (2020);
  • CREDIT SUISSE, Assisted Credit Suisse with USD461 million Operational Re catastrophe bond coverage. This represents the third and largest operational risk cat bond transaction for Credit Suisse (2020);
  • INTEGRAL ILS LTD., Advised Integral ILS Ltd., an independent alternative fund manager focused on insurance-linked strategies in connection with a significant cornerstone investment (2020);
  • MATTERHORN RE LTD., Acted as counsel to Matterhorn Re Ltd., on its fourth catastrophe bond transaction in less than one year, under the sponsorship of Swiss Re (2020);
  • METROCAT RE LTD., A Bermuda domiciled special purpose insurer, was established for issuing a series of catastrophe bond notes to support the risk transfer needs of First Mutual Transportation Assurance Co. (“FMTAC”), the New York State-licensed captive insurer and subsidiary of the New York Metropolitan Transportation Authority (2020);
  • PGGM, Acted as Bermuda counsel to PGGM, a cooperative Dutch pension fund service provider, in relation to an investment into Swiss Re’s sidecar vehicle, Viaduct Re Ltd. (2020);
  • MATTERHORN RE LTD., Acted as Bermuda counsel to Matterhorn Re Ltd. in connection with the sale and issue by the company, acting in respect of its segregated account, of Class A Principal At-Risk Variable Rate Notes (2020);
  • SIERRA LTD., Advised Sierra Ltd., the vehicle used by Bayview Asset Management, LLN in its first ever ILS transaction. The novel transaction saw a non-insurance derivative structure adopted under which US earthquake risk coverage is provided under a risk transfer agreement (2020);
  • ALTURAS RE LTD., Advised AXIS Capital, the Bermuda-headquartered global re/insurer, in the creation and funding of its sidecar Alturas Re Ltd. The total issuance size of the note issuance was $130 million (2019);
  • ARTEX SAC LIMITED., Advised Artex SAC Limited in connection with several Dodeka private catastrophe bond transactions from ILS investment fund manager Twelve Capital. The transactions have been issued using Artex’s SAC Limited vehicle. Dodeka XIX, Dodeka XVIII and Dodeka XX each represent a single segregated account of this issuing vehicle (2019);
  • GALILEO RE LTD., Acted for a Bermuda domiciled special purpose insurer, established for issuing series of catastrophe bond notes to support the risk transfer needs of AXA XL and certain of its insurance and reinsurance affiliates and related entities (collectively, AXA XL) (2019);
  • ODIN RE LTD., Assisted with the formation and relicensing of Odin Re Ltd as a Class 3A insurer. Odin Re Ltd was initially licensed in 2018 as a special purpose insurer (2019);
  • REWIRE BERMUDA FEEDER FUND, Acted Bermuda counsel to Rewire and Vida in connection with the launch of new ILS manager Merion Square. Initially 150 million (2019);
  • HARAMBEE RE LTD., Acted as Bermuda counsel in connection with the private placement by international specialty re/insurer Argo Group’s collateralized sidecar, Harambee Re, for the 2018 renewal season. The sidecar was first launch in 2013, as the Argo Group began to work with third-party investors to gain access to efficient reinsurance capacity (2018);
  • HOPLON III INSURANCE LTD., Advised on the incorporation and organisation of a special purpose insurer, Hoplon III, and the formation of the purpose trust pursuant to the third insurance-linked (ILS) securities transaction from MyLotto24, a UK-based lottery provider owned by the Zeal Group, with a matter value of €90M (2018);
  • NAKAMA RE LTD., Acted as Bermuda counsel for Zenkyoren’s latest cat bond, Nakama Re Ltd., which launched seeking a $700 million source of fully-collateralized Japanese earthquake reinsurance protection for the agricultural mutual insurer (2018);
  • PANTHER RE LIMITED., Advised on Panthera Re Limited’s issuance of a single $100 million tranche of Series 2018-1 Class A Principal At-Risk Variable Rate Notes (2018);
  • SPECTRUM CAPITAL LTD., Advised on its first full cat bond issuance from Tokio Millennium Re (Bermuda) during its upsize from original $250 million to $430 million thanks to investor appetite and pricing (2018);
  • TAILWIND RE LTD., Acted as Bermuda counsel in connection with Tailwind Re Ltd.’s first issuance of three tranches of Series 2017-1 notes to cat bond investors. The proceeds from the sale of these notes were used to fully collateralize underlying reinsurance agreements with Validus companies. This was Validus’ first full catastrophe bond issuance (2018);
  • THOPAS RE LTD., Advised on the $95 million Thopas Re Ltd. sidecar which was launched by Chaucer Plc. Thopas Re Ltd is registered as a segregated accounts company under the Bermuda Segregated Accounts Company Act 2000, as amended, and is a fully collateralised reinsurance sidecar which will provide additional capital markets backed capacity to the reinsurance portfolio of Lloyd’s Syndicate 1084 (2018);
  • TULLETT PREBON, Advised Tullett Prebon, one of the world’s leading interdealer brokers, on the launch of their Insurance-Linked Notes (ILN) platform which will allow registered users to buy or sell natural catastrophe protection using customizable instruments (2018);
  • BONANZA RE LTD., Acted as special legal counsel in connection with the sale and issue by the client of a Series 2016-1 Class A and Class B Principal-at-Risk Variable Rate Notes with a total value of US$200 million (2017);
  • WHITE ROCK INSURANCE (SAC) LTD., Advised White Rock Insurance (SAC) Ltd., a Class 3 insurer, on the listing on the Bermuda Stock Exchange of the White Rock Insurance (SAC) Ltd ILS Program (2017).


  • NATIONAL LIFE GROUP, Appleby Bermuda advised National Life Group in relation to 26North’s USD4.9 billion Reinsurance Transaction with National Life Group’s Life Insurance Company of the Southwest;
  • GLOBAL ATLANTIC, Advised Global Atlantic Financial Group in the $2.7 billion sale of its remaining 37% stake to KKR, increasing KKR’s ownership to 100%;
  • BLACKSTONE, Advised in the $3 billion equity capital raise of Resolution Life, a global life insurance group focusing on the acquisition and management of portfolios of life insurance policies, and Blackstone, the world’s largest alternative asset manager with $1 trillion in assets under management;
  • PRISMIC LIFE REINSURANCE LTD. – Appleby advised Prudential Financial, Inc. and Warburg Pincus LLC, in the launch of Prismic Life Reinsurance, Ltd., a licensed Class E Bermuda-based life and annuity reinsurance company (2023);
  • GLOBAL ATLANTIC – Appleby Bermuda advised Global Atlantic in its $2.4 billion capital raise for sidecar Ivy II (2023);
  • MEANWHILE – Appleby acted as Bermuda counsel in the establishment of Meanwhile Services (Bermuda) Limited. Meanwhile is an innovative insurer licenced as Class ILT in the Bermuda Monetary Authority (BMA) Sandbox, a testing ground for innovation (2023);
  • IVY RE II LTD. – Class E (2022);
  • AEL RE BERMUDA LTD. – Class C (2021);
  • SKYRIDGE RE LTD. – Appleby served as Bermuda counsel in the formation and licensing of SkyRidge Re as a Class E insurer in Bermuda – Class E (2021);
  • VERTICA REINSURANCE LTD. – Class C (2021);
  • ASPIDA LIFE RE LTD. – Class E (2020);
  • HSBC, Represented HSBC in a GBP 7 billion longevity swap and reinsurance transaction which is the second largest on record. This new HSBC deal is the first that sees a bank offloading the longevity risk associated with its pension plan members, which could suggest a broadening of appeal for these deals – Class E (2020);
  • IVY, Acted for Global Atlantic Financial Group Limited (Global Atlantic) in connection with the formation and successful regulatory licensing of Ivy Re Limited (“Ivy Re”), a Class E insurer under the Bermuda Insurance Act 1978 and related regulations (2020);
  • PROSPERITY LIFE ASSURANCE LIMITED, Acted in connection with the formation and registration of Prosperity Life Assurance Limited as a Class E insurer pursuant to the Insurance Act 1978, as amended (2020);
  • CICA LIFE BERMUDA LTD., Assisted with the formation and licensing as a Class E insurer. CICA Life was set up for the purposes of receiving the entire international life insurance portfolio of CICA Life Insurance Company of America, through a novation agreement to CICA Life by way of a portfolio transfer (2019);
  • KUVARE LIFE RE LTD., Advised in relation to the formation and structuring of Kuvare Life Re Ltd., a Bermuda exempted company registered as a Class E Insurer. Kuvare Life Re Ltd. entered into its initial transaction including a portfolio of fixed annuity products from a highly rated Bermuda insurance company (2019);
  • OCEANVIEW REINSURANCE LTD., Assisted with the formation and licensing of Oceanview Reinsurance Ltd. as a Class E insurer. Oceanview specializes in customized reinsurance solutions for fixed annuities and other asset intensive life insurance liabilities from the US market (2019);
  • 777 RE LTD., Assisted with the formation and licensing of 777 Re Ltd. as a Class D insurer and acted as legal counsel in relation to the company’s first transaction. 777 Re was formed to write reinsurance on fixed annuities, particularly MYGA, issued in the U.S. and U.K., or other applicable jurisdictions (2019);
  • PARTNERRE LIFE, Assisted PartnerRe Ltd. with the formation and licensing of PRE Life Bermuda Re Ltd. as a Class C insurer. PRE Life Bermuda Re Ltd. was formed to write reinsurance ceded form affiliated US business (2018);
  • ALLIANZ RE BERMUDA, Advised Allianz Re Bermuda in relation to the incorporation and licensing of Allianz Re Bermuda Life Ltd., a Bermuda Class E insurer (2017);
  • SAFE HARBOR RE LTD. – Class C1;
  • WILTON RE HOLDINGS LIMITED, Canada Pension Plan Investment Board (CPPIB) completed the acquisition of Wilton Re Limited Holdings (Wilton Re) and its subsidiaries for total cash and consideration of US$1.8 billion. The transaction involved the 100% stock acquisition of Wilton Re Holding Limited, a Bermuda insurance holding company, and all subsidiaries within the Wilton Re Group, including Wilton Reinsurance Bermuda Limited, Wilton Reassurance Company (MN), Wilton Reassurance Life Company of New York, and Texas Life Insurance Company, and was completed with co-investment by Wilton Re’s management (2014);


  • STABLE, Acted as Bermuda counsel for Stable, a technology-based commodity price risk management solutions provider, on its launch of a Bermuda domiciled Class 3A insurer, helping to expand its scope further into parametric insurance;
  • STABLE GROUP, Acted as Bermuda counsel for the Stable Group in the structuring, establishing and licensing of its subsidiaries: Stable Corporation and Stable Bermuda (2021);
  • FLEMING REINSURANCE LTD., Acted as Bermuda counsel for Fleming Reinsurance Ltd., a Bermuda-based specialist run-off insurer, in connection with its licensing as a Class 3A insurer.  In January 2019, Fleming Reinsurance Ltd. announced the completion of its first run-off transaction (2019);
  • CAROLINA RE LTD., Assisted with the formation and licensing of Carolina Re Ltd. as a Class 3A insurer.  Carolina was set up for the purpose of providing reinsurance protection to six US affiliated entities through intragroup quota share agreements on a fully collateralised basis (2018);
  • VALOR GROUP LTD., Advised on the formation of VL Assurance (Bermuda) Ltd., a Bermuda exempted company, which was established to merge with Bermuda International Insurance Services Limited, a Bermuda local company registered as (a)a Class C Insurer and (b)a segregated accounts company (Merger) (2016).


  • ARTEX CAPITAL SOLUTIONS, Appleby Bermuda advised Artex Capital Solutions, a division of Artex Risk Solutions, on its acquisition of Bermuda-based Frontier Financial Services Limited (2023);
  • NORTHSTAR GROUP LTD., Acted as counsel to the seller of Northstar Group (Bermuda) Limited and its wholly-owned subsidiary, Providence Life Assurance Company Limited to Alpha Growth Plc. (2021);
  • GASLOG LTD., Acting as Bermuda counsel to the Special Committee of Gaslog Ltd. in relation to its entry into an agreement and plan of merger, resulting in the sale of common shares to BlackRock’s Global Energy & Power Infrastructure team (2021);
  • KKR, Acted as counsel to Global Atlantic Financial Group Limited in connection with the sale of Global Atlantic to a subsidiary of KKR & Co. Inc. (2021);
  • ARGO GROUP, Advised Agro Group International Holdings, Ltd., an underwriter of specialty insurance and reinsurance products in the property and casualty market, in an agreement to sell its reinsurance business, Ariel Re (2020);
  • SA REINSURANCE LTD., Advised Sony Life Insurance Co., Ltd, a wholly owned consolidated subsidiary of Sony Financial Holdings Inc. on the acquisition of 100% of shares of two joint ventures (2020);
  • SUMITOMO DAINIPPON PHARMA, Advised Sumitomo Dainippon Pharma, a leading Japanese pharmaceutical company in respect of its estimated USD 3 Billion acquisition of 5 biopharma companies (2019);
  • T&D HOLDINGS, Advised T&D Holdings on USD 1.8 Billion joint acquisition with Carlyle Group of AIG’s Fortitude Re (2019);
  • FIRST COAST RE II PTE. LTD., Acted as listing sponsor to First Coast Re II Pte. Ltd, a special purpose reinsurance vehicle incorporated in Singapore, in connection with the offering of $100,000,000 Class A Principal At-Risk Variable Rate Notes due 7 June 2023 (“Notes”) (2019);
  • NORTHSTAR GROUP (BERMUDA) LIMITED, Acted as Bermuda counsel to Northstar Group (Bermuda) Limited in connection with its acquisition of Providence Life Assurance Company (Bermuda) Ltd (2019);
  • SANDELL HOLDINGS LTD., Acted for the shareholders of Sandell Holdings Ltd in connection with its sale to Randall & Quilter II Holdings Limited (2019);
  • INSURANCE INCOME STRATEGIES, LTD., Acted as Bermuda counsel in relation to the formation of IIS and structured a $58 million capital raise through the insurance of Series B Preference Shares (2018);
  • INTERNATIONAL MEDICAL GROUP, INC., Advised on the sale of International Medical Group, Inc. to Sirius International Insurance Group. Matter value $250 million + add ons (2018);
  • ATLAS MERCHANT CAPITAL LLC (“ATLAS”), Advised on the purchase of US$7.5 million common shares in Somerset Reinsurance Limited, a company incorporated under the laws of Bermuda and registered as a Class E Insurer (2017);
  • CROWN GLOBAL TITAN LIFE INSURANCE LTD. (“CROWN GLOBAL”), Advised on the sale of 81% of its shares by Crown Global Holdings Ltd. by way of a share transfer agreement (2017);
  • MONTPELIER RE HOLDINGS LTD. (MONTPELIER), Acted in relation to its sale to the Endurance Speciality group (Endurance) for a purchase price to be satisfied by a mixture of shares and cash valued at USD1.83bn and structured by way of merger with an Endurance subsidiary (2017).


  • ATHERTON BERMUDA HOLD CO LTD. (“ATHERTON”), Advised Atherton Bermuda Hold Co Ltd. (“Atherton”) on a USD 400,000,000 letter of credit facility (2017);
  • OCEAN BANK, Advised in relation to an investment contract between Butterfield (Bermuda) Limited and Sunlife Financial Investments (2017).


  • BMS GROUP, Appleby acted as Bermuda counsel to BMS Group in connection with its £355 million investment from Eurazeo, a French private equity and venture capital firm listed on Euronext Paris with more than €35 billion in assets under management (2023);
  • AEGON, Appleby Bermuda acts as counsel to the Aegon group in connection with the proposed re-domiciliation of Aegon N.V. to Bermuda (2023);
  • AFRICAN RISK CAPACITY LTD, Appleby Bermuda advised ARC Ltd, a long-standing client, on its first parametric insurance product against high-impact epidemic risks (2022);
  • RELM II, Advised Relm II on its incorporation and registration as an ‘Innovative Insurer – General Business’ (Class IIGB) – the world’s first fully regulated collateralised reinsurance business accepting both fiat and crypto as collateral, enabling the creation of regulated reinsurance capacity for companies operating in the crypto space (2022);
  • Acted for the UK’s largest special motor insurer and Lloyds’s underwriter ERS Insurance (now rebranded IQUW) in developing a significant presence in Bermuda including the establishment of a Class 3B reinsurer (2021);
  • CONVEX GROUP LIMITED., Acted as Bermuda counsel to Convex Group Limited on securing USD 500 million in preferred equity capital from affiliates of Sixth Street, a leading global investment firm (2021);
  • CHAUCER, Acted as Bermuda counsel for Chaucer, the international specialty (re)insurance group, in the formation and licensing of its Bermuda Class 4 insurer and insurance agent (2020);
  • RELM, Advised Relm in the launch of its operation to offer insurance coverage for cryptocurrency and cannabis and hemp related businesses (2020);
  • AKINOVA, Acted as Bermuda counsel to AkinovA on all matters leading up to the completion of a first of its kind parametric cyber risk transfer (2019);
  • CONVEX GROUP LIMITED., Acted as Bermuda counsel to Convex Group, a newly launched specialty re/insurer. The group has been capitalised initially with approximately USD 1.6 billion of common shareholders’ equity, drawn from a USD 1.8 billion facility provided by a consortium of investors. Convex Group Limited is a specialty insurer and reinsurer focused on complex risks founded by Stephen Catlin and Paul Brand, with operations in Bermuda and London (2019);
  • ED BROKING LLP, Acted as Bermuda counsel to Ed Broking (Bermuda) Limited in connection with its registration as an insurance broker under the Insurance Act 1978, as amended. Appleby advised in relation to the formation and licensing of Ed Broking (Bermuda) Limited., a Bermuda exempted company registered as an insurance broker (2019);
  • GENEVA REINSURANCE LTD., Acted as Bermuda counsel to Geneva Re Ltd. in connection with its formation and registration as a Class 3A insurer under the Insurance Act 1978, as amended (2019);
  • ATHENE HOLDING LTD., Advised on Athene Holding Ltd. (Athene)’s secondary offering of $793.8 million of shares. Appleby provided advice on submitting the SEC S-1 and opined and commented on the transaction documents (2018);
  • VERITAS GROUP LIMITED., Advised on Veritas Group Limited (Veritas)’s Bermuda Stock Exchange listings of 10,000,000 class A common shares with a view to promote Veritas’ business of issuing financial insurance guarantee to investors (2018);
  • SUNPOINT REINSURANCE LIMITED., Reviewing and commenting on the corporate structure of the run-off platform; providing local law regulatory advice, and reviewing, negotiating and finalising agreements necessary for the operation of the future run-off platform (2017);
  • AFRICAN RISK CAPACITY INSURANCE COMPANY, Advised on the Bermuda incorporation and registration of African Risk Capacity Insurance Company Ltd, valued at USD$135 million, intended to help participating African Union member states become more resilient to extreme weather (2016).


Brad is consistently ranked in Band 1 for Insurance by Chambers Global where clients say he is “one of the most notable insurance lawyers, both in Bermuda and internationally.” He regularly appears in major insurance transactions and is well regarded for his deep knowledge of reinsurance, securities and insurance company formation mandates with one source enthusing “it is a tremendous benefit to have his experience on our matters.” Another source explained, “Brad is a subject matter expert in insurance and securities, and he helps point us towards experts in other areas.”

Brad is also consistently recognised by Legal 500 Caribbean as a ‘Leading Individual’ in the Insurance/Reinsurance category. One client explained: “Brad is my most competent, proactive, and trusted counsellor. He knows the insurance industry inside and out and is always willing to be innovative and push the boundaries of what’s possible. I recommend him wholeheartedly and without reservation.” He is also ‘Highly Regarded’ by IFLR1000 in the Financial, Corporate and Commercial and Insurance/Reinsurance categories.

Brad is recognised for his significant contribution to Bermuda’s reinsurance sector in Bermuda’s Risk Transfer Hall of Fame. He also led the Bermuda team recognised at the 2015 UK Captive Services Awards for ´Most Innovative Use of an ART Structure’. Brad participates regularly at conferences and seminars, and provides commentary to international and local media on the Bermuda insurance industry.

Coverage & Insights

Qualifications & Education

  • College of Law, Guildford, England
  • Wake Forest University

Memberships & Associations

Brad sits on the steering committee of ILS Bermuda, the trade association for the ILS industry in Bermuda.


Chambers & Partners

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