Play as · WW3 2026 · L1 · British Overseas Territory · Reinsurance centre

Bermuda - 2026

Bermuda opens 2026 as a self-governing British Overseas Territory led by Premier David Burt and the Progressive Labour Party. Britain retains responsibility for defence and external affairs while Bermuda manages most domestic policy through its parliament. The archipelago’s prosperity rests heavily on international insurance, reinsurance and related professional services, placing local revenue inside global catastrophe, interest-rate and regulatory cycles. Tourism, construction and public services employ residents who experience that prosperity through high housing, food and energy costs. The Bermuda dollar’s parity with the US dollar and dense commercial links to North America create stability but narrow monetary room. The Royal Bermuda Regiment supports territorial security, maritime assistance and disaster response; the Bermuda Police Service and customs authorities confront financial crime and trafficking. Former major American and British bases have closed, leaving valuable land and infrastructure choices rather than a permanent garrison economy. Your strategic task is to keep a credible global risk centre functioning while ensuring that the island itself can absorb storms, cyber disruption, external tax changes and social inequality.

Starting position

Financial resilience begins with supervision that can challenge firms rather than merely host them. Protect the Bermuda Monetary Authority’s operational independence, recruit actuarial and cyber expertise, and test whether insurers can meet obligations after correlated hurricanes, wildfires or market losses. New corporate-tax rules introduced in response to the global minimum-tax framework must be implemented predictably, with revenue assumptions separated from temporary accounting effects. Publish a medium-term plan for housing, pensions and infrastructure before committing windfalls. Physical constraints are unforgiving: one main airport, limited roads, ageing utilities and scarce land turn ordinary maintenance failures into national bottlenecks. Harden electricity and communications, diversify fuel and data routes, and require major firms to participate in continuity exercises. The Regiment should focus on storm logistics, maritime awareness, explosive-ordnance support and interoperability with British and regional partners, not pretend a small territory can field conventional deterrence. External assistance works best when local command, legal authority and public communication are settled before crisis.

What turns the campaign

The campaign turns on who benefits from the international economy. Expand Bermudian apprenticeships in underwriting, compliance, technology and skilled trades, while work-permit policy remains transparent enough for firms to obtain scarce expertise. Housing supply requires careful density, vacant-property enforcement and transport planning because indiscriminate building can damage heritage and water catchments without lowering rents. Tourism should emphasize reliable air links, public beaches, cultural businesses and service quality rather than betting public money on a single luxury project. Climate leadership has a natural connection to reinsurance: use catastrophe modelling and risk-transfer expertise to improve local building codes and help vulnerable states structure coverage, but do not market financial products as substitutes for emissions cuts or grants. Relations with Britain need explicit consultation when treaties, sanctions or beneficial-ownership rules affect Bermuda. Independence remains a legitimate democratic question, yet neither constitutional camp should use it to avoid explaining debt, defence, citizenship and market-access consequences. A trusted referendum requires complete options and an electorate confident that everyday government works.

Signature challenge