Insurance brokerage website cost in Hamilton, Bermuda: local agencies vs Kolonell (2026)

The verdict in three sentences

In Hamilton, Bermuda, a local agency typically quotes 15 000 to 55 000 BMD (the same in USD, since the Bermuda dollar trades at par) for an insurance brokerage website, as a 2026 order of magnitude, and the top of that range is driven by firms that also serve the reinsurance market on Front Street. Kolonell delivers a broker site with line pages, broker profiles and qualified quote request forms at a fixed price of 2 900 USD, 4 900 USD or 8 900 USD, remotely, in 3 to 4 weeks. Compare total cost over three years, the ownership of every account and how the regulatory pages a BMA-licensed intermediary needs are handled, and the right choice usually becomes clear.

How do Hamilton prices compare, line by line?

Bermuda's web market is small and expensive. Studios in Hamilton work for reinsurers, captive managers, law firms and banks whose budgets set the local rate card, and published hourly rates are often in the 125 to 200 BMD range. Freelancers exist but are few and often booked months ahead. The ranges below are cautious, unofficial orders of magnitude drawn from public price pages of Bermuda and North Atlantic agencies, minimum project sizes on Clutch.co profiles and rates visible on Upwork.

Kolonell's team is in Senegal (GMT), three to four hours ahead of Bermuda depending on the season, so calls sit comfortably in your morning and you get a written update each week. Payment is by bank transfer or Wise, half at kickoff and half at delivery. See what the international offer includes.

Who is the site really for: the reinsurance world or island households?

Hamilton concentrates one of the world's largest reinsurance and captive markets in a few streets, but most local brokerages earn their living elsewhere. Their clients are households insuring homes against hurricane wind (Fabian in 2003 is still the reference storm), owners of boats moored in the Great Sound, families comparing health plans, and the many small businesses that support international business: restaurants, contractors, consultancies, property managers. Health cover is a structural topic, since employers have obligations under local rules and many expatriate staff want top-up plans that travel with them.

A third audience matters more than brokers expect: expatriate professionals working for reinsurers and international companies, who arrive with a two- or three-year work permit, need home contents and motor cover quickly (private car ownership is tightly restricted on the island, so scooters and a single household car are common risks) and search online before asking a colleague. A site that answers "I just moved to Bermuda, what do I need?" in plain English captures them.

Compliance is short to state and important to respect. Insurance intermediaries are licensed and supervised by the Bermuda Monetary Authority (BMA), and your site should display your registration details accurately. Personal information collected through forms falls under Bermuda's Personal Information Protection Act (PIPA), overseen by the Privacy Commissioner, so the privacy notice and form security deserve attention. WCAG 2.1 AA is the technical reference for accessibility. This is not legal advice.

What goes into each Kolonell package for a Bermuda broker?

Name partner insurers only where your agreements allow it. Online premium comparison, a client portal for policy documents or a connection to your broker management system (Applied Epic, Vertafore AMS360 or similar, as generic examples) is a custom application quoted separately.

Three-year view: launch price versus total spend

We apply one neutral hypothesis: once the support period ends, maintenance and hosting cost roughly the same whoever built the site. Kolonell's maintenance is quoted on request.

If what you value most is a team that can walk to your office on Reid Street for workshops, the local agency premium buys that. If the brief is clear and you are comfortable with video calls, the remote model costs about half over three years.

Questions to ask before you sign

• Who writes the content, and is copywriting priced in the quote or added later?
• Will each line of cover have its own page and its own form fields?
• Who drafts the licensing and complaints wording, and who validates it on your side?
• Is the domain registered in the brokerage's name, and are all logins handed over?
• What happens to the site, the hosting and the analytics if you end the relationship?
• Does the quote promise rankings, lead volumes or premium savings? If so, ask how, then walk away.

Mini case study

Illustrative example. Desmond T. and a new partner open a two-person brokerage in Hamilton aimed at expatriate staff and small businesses. They need a site live before their first hiring round, because the junior broker they want to recruit will check it. A local agency quotes 34 000 USD and 14 weeks. They choose Kolonell Premium at 8 900 USD and pay a local photographer 2 000 USD for portraits. Total launch budget: 10 900 USD, or 23 100 USD less than the local quote. The site goes live after about five weeks with a newcomer guide, line pages and a quote form that asks for permit length and household vehicles, and the saving covers part of the junior broker's first months.

FAQ

Can you write for both reinsurance clients and households?

Yes, from your brief. Growth at 4 900 USD separates commercial and personal lines; Premium at 8 900 USD adds pages per client profile and the newcomer guide.

How do calls work with the time difference?

We are three to four hours ahead of Bermuda depending on daylight saving, so calls are booked in your morning. You also get a written update every week.

Do you meet clients in Hamilton or shoot photos?

No. We work remotely and you book a local photographer, usually 1 500 to 3 000 USD for team portraits and office images.

Can the site include a client portal?

A portal with policy documents is a custom application, quoted separately. The standard packages deliver the public site with quote forms, delivered in 3 to 6 weeks.

What payment terms apply?

Bank transfer or Wise, 50 % at kickoff and 50 % at delivery, on a fixed price agreed in writing.

Let's scope your project. Send us your lines of cover, your target clients and your preferred launch date, and we will propose a fixed-price package delivered in 3 to 4 weeks. Request your free quote or see the international offer.