Governance
Effective governance is central to who we are and how we operate. It shapes our culture, strengthens accountability, and supports sound decision-making at every level of the organisation. Through clear oversight and responsible stewardship, we aim to create sustainable value for our stakeholders and contribute meaningfully to the communities we serve.
Executive Leadership Team
Abigail Clifford
Group President and Chief Executive Officer
Jennifer Campbell
EVP, Group Chief Human Resources Officer
Peter Dunkerley
EVP, Group Chief Financial Officer
Peter Lozier
EVP, Group Head of Benefits
Caroline Mills-White
EVP, Group Head of P&C Insurance and Broking Services
Alex Reynolds
EVP, Group Chief Corporate Development Officer
Gemma Rochelle
EVP, Group General Counsel and Chief Compliance Officer
Hannah Ross
EVP, Group Chief Capital and Risk Officer
Abigail Clifford
Group President and Chief Executive Officer
Jennifer Campbell
EVP, Group Chief Human Resources Officer
Peter Dunkerley
EVP, Group Chief Financial Officer
Peter Lozier
EVP, Group Head of Benefits
Caroline Mills-White
EVP, Group Head of P&C Insurance and Broking Services
Alex Reynolds
EVP, Group Chief Corporate Development Officer
Gemma Rochelle
EVP, Group General Counsel and Chief Compliance Officer
Hannah Ross
EVP, Group Chief Capital and Risk Officer
Board of Directors
L. Anthony Joaquin
Group Chair, BF&M Limited Retired Managing Partner, Ernst & Young
Gordon J. Henderson1,3
Retired President and CEO, BMO Life Insurance Company
Constantinos Miranthis1,3
Former President and CEO, PartnerRe
David Brown2,3
Chairman, Hamilton Insurance Group Founder and CEO, Flagstone Reinsurance Holdings
Andrew Lo1,2
President and CEO, Embark
Conor O'Dea1,3
Retired Chair / Director, Butterfield Bank (Cayman) Ltd.
Abigail Clifford
Group President and CEO, BF&M Limited
Paul C. J. Markey2,3
Retired Chair, AON Bermuda
E. Barclay Simmons1,2
Chair and CEO, Rose Investment Limited
1 Group Finance Committee Committee 2 Group Audit, Compliance, and Corporate Risk Management Committee 3 Group People & Corporate Governance Committee
Board of Directors
L. Anthony Joaquin
Group Chair, BF&M Limited Retired Managing Partner, Ernst & Young
David Brown2,3
Chairman, Hamilton Insurance Group Founder and CEO, Flagstone Reinsurance Holdings
Abigail Clifford
Group President and CEO, BF&M Limited
Gordon J. Henderson1,3
Retired President and CEO, BMO Life Insurance Company
Andrew Lo1,2
President and CEO, Embark
Paul C. J. Markey2,3
Retired Chair, AON Bermuda
Constantinos Miranthis1,3
Former President and CEO, PartnerRe
Conor O'Dea1,3
Retired Chair / Director, Butterfield Bank (Cayman) Ltd.
E. Barclay Simmons1,2
Chair and CEO, Rose Investment Limited
1 Group Finance Committee Committee 2 Group Audit, Compliance, and Corporate Risk Management Committee 3 Group People & Corporate Governance Committee
Corporate Structure
Paul C. J. Markey2
Directors and Officers
BF&M General Insurance Company Limited
Directors
- Paul C. J. Markey, Chair
- Abigail Clifford, B.A., M.Sc.
- Andrew Lo, BASc, P. Eng.
- Caroline Mills-White, M.Sc., FCIP
Officers
- Abigail Clifford, B.A., M.Sc., Group President and Chief Executive Officer
- Peter Dunkerley, FCA, EVP, Group Chief Financial Officer
- Caroline Mills-White, M.Sc., FCIP, EVP, Group Head of P&C Insurance and Broking Services
- Larenzo Ratteray, CPCU, AIC, Group Head of P&C Claims and Product Development
- Gemma Rochelle, LL.B. (Hons.), EVP, Group General Counsel and Chief Compliance Officer
- Janice Fernandes, B.Comm., Corporate Secretary
BF&M Life Insurance Company Limited
Directors
- Gordon Henderson, B.A. (Hons.), LL.B., Chair
- L. Anthony Joaquin, FCA, Deputy Chair
- Abigail Clifford, B.A., M.Sc.
- Conor O’Dea, FCA
Officers
- Abigail Clifford, B.A., M.Sc., Group President and Chief Executive Officer
- Peter Dunkerley, FCA, EVP, Group Chief Financial Officer
- Gemma Rochelle, LL.B. (Hons.), EVP, Group General Counsel and Chief Compliance Officer
- Janice Fernandes, B.Comm., Corporate Secretary
BF&M Investment Services Limited
Directors
- Abigail Clifford, B.A., M.Sc.
- Gemma Rochelle, LL.B. (Hons.)
Officers
- Abigail Clifford, B.A., M.Sc., Group President and Chief Executive Officer
- Gemma Rochelle, LL.B. (Hons.), EVP, Group General Counsel and Chief Compliance Officer
- Andrew Spencer, CPA, CMA, MBA, CFA, FLMI, Head of Investments
- Janice Fernandes, B.Comm., Corporate Secretary
Island Heritage Insurance Company, Ltd.
Directors
- Conor O’Dea, FCA, Chair
- Abigail Clifford, B.A., M.Sc.
- Gordon Henderson, B.A. (Hons.), LL.B.
- Paul C. J. Markey
- Caroline Mills-White, M.Sc., FCIP
Officers
- Abigail Clifford, B.A., M.Sc., Group President and Chief Executive Officer
- Peter Dunkerley, FCA, EVP, Group Chief Financial Officer
- Caroline Mills-White, M.Sc., FCIP, EVP, Group Head of P&C Insurance and Broking Services
- Gemma Rochelle, LL.B. (Hons.), EVP, Group General Counsel and Chief Compliance Officer
- Barry Williams, Head of Compliance, Caribbean
Island Heritage Retirement Trust Company Ltd.
Directors
- Conor O’Dea, FCA, Chair
- Abigail Clifford, B.A., M.Sc.
- Peter Lozier, H.BSc.
Officers
- Peter Dunkerley, FCA, EVP, Group Chief Financial Officer
- Peter Lozier, H.BSc., EVP, Group Head of Benefits
- Gemma Rochelle, LL.B. (Hons.), EVP, Group General Counsel and Chief Compliance Officer
- Barry Williams, Head of Compliance, Caribbean
Argus Group Holdings (Europe) Limited
Directors
- Peter Dunkerley, Chair
- Abigail Clifford, B.A., M.Sc.
Argus Insurance Company (Europe) Limited
Directors
- Michel Macelli, Chair*
- Alex Bonavia
- Abigail Clifford
- Peter Dunkerley
- Constantinos Miranthis
*Chair appointment awaiting regulatory approval.
Antes Insurance Brokers Limited
Directors
- Abigail Clifford*
- Peter Dunkerley
- Kevin Galea Pace
- Caroline Mills-White
- Paul Markey*
- Lawrence Pavia
*Awaiting regulatory approval.
WestMed Insurance Services Limited
Directors
- Peter Dunkerley, Chair
- Alex Bonavia
- Abigail Clifford
- Caroline Mills-White
Argus Group Holdings Limited (Amalgamated Company)
Directors
- Abigail Clifford
- Peter Dunkerley
- Gemma Rochelle
Officers
- Peter Dunkerley, FCA, EVP, Group Chief Financial Officer
- Gemma Rochelle, LL.B. (Hons.), EVP, Group General Counsel and Chief Compliance Officer, Company Secretary
Argus Insurance Company Limited
Directors
- Constantinos Miranthis, Chair
- Abigail Clifford
- Peter J. Dunkerley
- Peter B. Lozier
- E. Barclay Simmons
- Caroline Mills-White
Officers
- Peter Lozier, H.BSc., EVP, Group Head of Benefits
- Thomas Healy, Global Director of Finance
- Gemma Rochelle, LL.B. (Hons.), EVP, Group General Counsel and Chief Compliance Officer
- Sasha Castle-Siddiq, Company Secretary
Bermuda Life Insurance Company Limited
Directors
- Constantinos Miranthis, Chair
- Abigail Clifford
- Peter J. Dunkerley
- E. Barclay Simmons
- David Brown
Officers
- Peter Lozier, H.BSc., EVP, Group Head of Benefits
- Thomas Healy, Group Head of Finance
- Gemma Rochelle, LL.B. (Hons.), EVP, Group General Counsel and Chief Compliance Officer
- Sasha Castle-Siddiq, Company Secretary
Centurion Investment Services Limited
Directors
- Abigail Clifford
- Peter J. Dunkerley
- Ryan D. Eve
- Kevin Galea Pace
- Caroline Mills-White
Officers
- Thomas Healy, Group Head of Finance
- Gemma Rochelle, LL.B. (Hons.), EVP, Group General Counsel and Chief Compliance Officer
- Sasha Castle-Siddiq, Company Secretary
Argus Wealth Management Limited
Directors
- E. Barclay Simmons, Chair
- Abigail Clifford
- Peter J. Dunkerley
- Constantinos Miranthis
Officers
- E. Barclay Simmons, Chair
- Louis Millar, Head of Wealth Management
- Thomas Healy, Group Head of Finance
- Gemma Rochelle, LL.B. (Hons.), EVP, Group General Counsel and Chief Compliance Officer
- Sasha Castle-Siddiq, Company Secretary
Argus Investment Strategies Fund Ltd.
Directors
- E. Barclay Simmons, Chair
- Peter J. Dunkerley
- Abigail Clifford
- Constantinos Miranthis
Officers
- E. Barclay Simmons, Chair
- Constantinos Miranthis, Deputy Chair
- Peter Dunkerley, FCA, EVP, Group Chief Financial Officer
- Gemma Rochelle, LL.B. (Hons.), EVP, Group General Counsel and Chief Compliance Officer
- Sasha Castle-Siddiq, Company Secretary
One Team Health, Inc.
Directors
- Peter J. Dunkerley, Chair
- Peter B. Lozier
- Abigail Clifford
Officers
- Peter Dunkerley, FCA, EVP, Group Chief Financial Officer, Chair
- Derek Goldberg, Group Head of Employee Benefits Administration
- Thomas Healy, Group Head of Finance
- Sasha Castle-Siddiq, Company Secretary
Island Health Services Ltd.
Directors
- David A. Brown, Chair
- Abigail Clifford
- Dr. Gerhard L. Boonstra
- Peter B. Lozier
- Peter J. Dunkerley
Officers
- David A Brown, Chair
- Dr. Gerhard Boonstra, Deputy Chairman and Clinical Director
- Peter Lozier, H.BSc., EVP, Group Head of Benefits
- Thomas Healy, Group Head of Finance
- Gemma Rochelle, LL.B. (Hons.), EVP, Group General Counsel and Chief Compliance Officer
- Sasha Castle-Siddiq, Company Secretary
- Tawanna Wedderburn, Head of Medical Practice Operations
I.H.S. Laboratories Ltd.
Directors
- David A. Brown, Chair
- Abigail Clifford
- Dr. Basil Wilson
- Peter B. Lozier, Deputy Chair
- Peter J. Dunkerley
Officers
- Dr. Basil Wilson, Clinical Director
- Peter Lozier, H.BSc., EVP, Group Head of Benefits
- Thomas Healy, Group Head of Finance
- Gemma Rochelle, LL.B. (Hons.), EVP, Group General Counsel and Chief Compliance Officer
- Sasha Castle-Siddiq, Company Secretary
- Tawanna Wedderburn, Head of Medical Practice Operations
The information presented in the Governance section of this report is accurate as of January 6, 2025, following the amalgamation of Argus Group Holdings Limited (“Argus”) and Eleos Health Ltd., a wholly-owned subsidiary of BF&M.