New Limitations on the Length of Stay for Visitors to Bermuda

Published: 23 Jan 2024
Type: Insight

In November 2022, The Minister of Economy and Labour, the Hon. Jason Hayward, JP, MP, announced that the Government would be moving to amend their policy relating to guest visitors whereby visitors (i.e. those arriving as tourists without any visa or work permit) have been able to remain in Bermuda for 180 days before leaving for as little as one day, only to return for up to 180 days. The intention, as stated by Minister Hayward at the time, was to “mitigate visitors circumventing Immigration controls”.

This policy has meant that visitors have effectively been able to reside in Bermuda without the proper permissions. Those to take most advantage of this tend to be the partners of those who do have the right to reside in Bermuda.

Amendment to the policy was done by the passing of the Bermuda Immigration and Protection Amendment Act 2022 (‘BIPA Amendment’) which repealed and replaced s.28(2) of the Bermuda Immigration and Protection Act 1956. At s.2 of the BIPA Amendment, it is stated that “unrestricted period of residence”, in relation to a visitor to Bermuda, means within any 12-month period- (a) the period of six months or 180 days (whichever is greater) whether consecutive or cumulative, beginning on the date on which the visitor first lands in Bermuda”.

On 29 November 2023, in a policy statement posted to their website, the Department of Immigration warned that the BIPA Amendment would come into force on 15 January 2024. The Department of Immigration made it clear that the ‘Allocated Length of Stay’ would be monitored via the Department of Immigration’s Border Management System and that the System “has been modified to track the cumulative maximum length of stay, looking at past calendar dates to identify when the visitor has been to Bermuda. This information calculates the number of days, whether available or not, for that visitor to remain in Bermuda”.

The BIPA Amendment came into force on 15 January 2024, but one outstanding question for many has been whether the policy would be retroactive, meaning whether the days spent in Bermuda in the 12-month period prior to 15 January 2024 would count towards the ‘Allocated Length of Stay’ or whether the policy would mean that for all visitors, they would need to start counting their days from 15 January 2024.

The Department of Immigration have confirmed that their Border Management System will look at the number of days spent in Bermuda in the last twelve months. For many this will come as a surprise because it had been generally anticipated that the policy would only look forward from 15 January 2024.

What will this mean for visitors who have reached or exceeded the 180-day limit in the last 12 months and remain in Bermuda as of 15 January 2024? The Department of Immigration have made it clear that those individuals must leave Bermuda immediately and will not be able to return for another six months. For those considering circumventing the new rules, they risk being put on a ‘stop list’ and having their entry into Bermuda banned for a ‘specified period of time’. The Department of Immigration have not set out what a ‘specified period of time’ means but one imagines that the circumstances of each circumvention will be taken into account when determining the appropriate period for each individual.

For those visitors who need to spend more time in Bermuda because of, for example, a pre-existing relationship, then there are several routes they can consider. They can make an application to be put on their partner’s work permit as a ‘Sponsored Dependant’. Under section 5 of the Department of Immigration’s Work Permit policy from March 2015, one has to show that they have been living with either a Bermudian, PRC Holder or work permit holder in a relationship ‘akin to a marriage’ for at least two (2) years prior to the date of the application. The Department of Immigration state that “this is not an absolute guideline and is indicative only” with each case being determined on its own merits. Factors such as joint financial responsibilities and children are considered.

Another option is to apply for a digital nomad visa. The application requires that the applicant is over the age of 18, pays a fee of BM$275, has not been convicted of a crime, possesses valid health insurance coverage, is able to demonstrate employment either with a legitimate company or has their own company outside of Bermuda, and has a substantial income or a continuous source of income. The turn around for a digital nomad visa is only 5 business days.

Other options to reside include the Economic Investment Certificate which requires a “Qualifying Investment” of at least BM$2.5m or making an application for permission to reside on an annual basis, however the individual is not given permission to seek employment in Bermuda. These options are more likely to be appealing to higher net worth individuals.

In summary, there are likely to be a number of people currently on island who will be significantly impacted by the BIPA amendment, but after all, the vast majority of countries, including the UK, USA and in the European Union, have similar tight immigration controls and the Department of Immigration’s message is clear: if you have reached 180 days or more in the last 12 months, leave immediately or face the consequences.

First Published in the Bermuda Chamber of Commerce Newsletter (Chamber Insider), January 2024

Share
More publications
Dispute Resolution
4 Mar 2026

Bermuda: An Overview of Insurance: Contentious

There has been a recent increase in policyholder disputes involving coverage challenges by (re)insurers in the context of Bermuda high-value, excess-of-loss policies. This is, in part, due to Bermuda’s commercial (re)insurers facing a marked and sustained rise in the volume of claims, incurring claims costs globally of BMD1.1 trillion from 2016 through 2024. The massive volume and quantum of claims can be attributed in part to the significance of the Bermuda (re)insurance market in the global economy, as well as Bermuda’s exposure to catastrophic losses caused by natural disasters over this period. Bermuda’s increased exposure to global (re)insurance risks has naturally resulted in an increase in complex claims and coverage disputes.

Employment-and-Immigration
27 Feb 2026

Pay transparency heading Bermuda’s way?

The culture of secrecy with respect to pay traditionally found in workplaces may soon experience a shift, as global lawmakers and governments have enacted or moved toward enacting legislation to mandate greater pay transparency.

Appleby-Website-Insurance-and-Reinsurance
27 Feb 2026

Bermuda Monetary Authority: Modern, Thoughtful and Competitive

The Bermuda Monetary Authority (BMA) has signaled a clear direction for the future of insurance supervision in Bermuda by the release of its latest Notice on Regulatory Burden Reduction for Better Policyholder Outcomes (Notice).

Appleby-Website-Banking-and-Asset-Finance-1905px-x-1400px
19 Feb 2026

Bermuda Monetary Authority 2026 Business Plan: Overview & Expertise – Banking

Bermuda is not considered an international banking center and only banks licensed by the Bermuda Monetary Authority (BMA) under the Banks and Deposit Companies Act 1999 (BDCA) are entitled to undertake banking businesses in or from Bermuda. As banking is defined as deposit taking (as opposed to lending), international banks are generally able to lend to Bermuda-based borrowers subject to applicable restrictions relating to carrying on business in Bermuda.

Appleby-Website-Insurance-and-Reinsurance
19 Feb 2026

Bermuda Monetary Authority 2026 Business Plan: Overview & Expertise – Insurance (Captives)

Bermuda is one of the leading captive insurance markets in the world with over 600 registered captive insurers writing an impressive ~$30 billion of annual gross written premiums.

Appleby-Website-Corporate-Practice
19 Feb 2026

Bermuda Monetary Authority 2026 Business Plan: Overview & Expertise – General Corporate

The Bermuda Monetary Authority (BMA), an independent body that has been in existence since 1969, is an integrated regulator and supervisor responsible for the licensing, supervision and regulation of financial institutions in Bermuda. The BMA’s mandate includes entities conducting insurance, deposit taking, investment and trust business. The BMA conducts risk-based supervision and enforcement, including enforcing anti-money laundering and counter-terrorist financing standards. The BMA sets prudential rules, issues codes of conduct and devises industry guidance to ensure the jurisdiction adheres to international standards.

Appleby-Website-Insurance-and-Reinsurance
19 Feb 2026

Bermuda Monetary Authority 2026 Business Plan: Overview & Expertise – Insurance (Commercial)

The Bermuda Monetary Authority’s (BMA) 2026 Business Plan (Plan) outlines continued strengthening of Bermuda’s position as a leading global insurance and reinsurance jurisdiction.

Technology-and-Innovation-1024x576
19 Feb 2026

Bermuda Monetary Authority 2026 Business Plan: Overview & Expertise – FinTech

By any serious measure, Bermuda’s FinTech strategy for 2026 is not incremental. It is deliberate. It is disciplined. And it is designed to position Bermuda not as a follower in digital finance — but as a standard-setter.

Appleby-Website-Regulatory-Practice
19 Feb 2026

Bermuda Monetary Authority 2026 Business Plan: Overview & Expertise – Regulatory

Bermuda operates a highly integrated regulatory architecture under which the Bermuda Monetary Authority (BMA) exercises consolidated oversight across insurance, banking, investment business and funds, trusts, corporate service providers, money services and digital asset activity. While the statutory framework has long been risk-based, the previous five years marks a clear evolution in supervisory practices. The BMA moved decisively beyond technical compliance and periodic reporting toward an emphasis on supervisory judgement, governance outcomes and system-wide resilience.

Dispute Resolution
17 Feb 2026

Bermuda: A Dispute Resolution Overview

Bermuda continues to be an established offshore disputes jurisdiction, supported by a specialist commercial court and the increasing use of arbitration to resolve complex commercial and private wealth disputes.