Bermuda is always 1 hour ahead of Toronto. When it's 9:00 AM in Toronto, it's 10:00 AM in Bermuda. Both locations observe DST on the same schedule, maintaining the 1-hour difference year-round.
Toronto uses EST/EDT (Eastern Time) while Bermuda uses AST/ADT (Atlantic Time, UTC-4/-3).
Nearly identical business hours! 9:00 AM - 6:00 PM Toronto corresponds to 10:00 AM - 7:00 PM Bermuda. Easy scheduling with just 1-hour offset.
Bermuda is a major offshore financial center with strong ties to Canadian banks and insurance companies. Direct flights from Toronto take about 2.5 hours to this Atlantic island paradise.