Horseshoe Bay has rentals etc, but the walk from the bus is 500 yards down a steep hill and even the walk from the cab stand is 100 yards or so. Most other beaches on that end do not have full facilities.
Probably the two most accessable beaches are out by St Georges. Both Tobacco Bay
and St Catherines Beach have full facilities and are within a few yards of where a cab would let you off.
Another nice beach is Elbow Beach...but I heard that they stopped allowing cruise ship passengers...check with cruise staff when on board...they rent chairs and umbrellas and have a great restaurant...
Several years ago the cabs would take you right down to Elbow Beach the Resort Beach. You could rent chairs and an umbrella. You can no longer do that. The cabs will now take you to a steep lane and have you walk down the lane a couple of hundred yards to the public Elbow Beach. Good luck climbing back-up at the end of the day and finding a cab. Elbow Beach is still my favorite beach in Bermuda. You can walk down to the resort part of Elbow Beach and knowone will bother you and possibly even get something to eat there. However if you are not staying at the resort they will not rent you a chair or umbrella.. Best to bring your own or go a little bite further down the road to Horshoe Beach and rent what you need there . It is also a long walk down to Horshoe Beach. Hope this helps