Frequently asked questions

Yes. Bulwark was built specifically for high-net-worth individuals and families. We understand the unique coverage needs that come with complex households—multiple homes, valuable collections, teen drivers, privacy concerns, and more.

We're an independent insurance agency. We don't underwrite policies ourselves—instead, we work with leading carriers to find coverage that fits your situation. Our independence means we're not locked into any single carrier.

Washington, Oregon, Hawaii, Arizona, Colorado, Montana, Wyoming, Nevada, Utah, and Idaho.

We earn commissions from the insurance carriers whose policies we place. There is no additional fee charged to you. Our interests are aligned with finding the right coverage for your situation.

We use AI to streamline administrative tasks, accelerate quote gathering, and help you get answers faster. Every recommendation is reviewed by a licensed advisor before it reaches you. Technology removes friction—human judgment guides decisions.

Always. While we use technology to improve speed and accuracy, a licensed advisor reviews every recommendation and is available to answer your questions.

Your Bulwark dashboard gives you a clear view of your coverage: active policies, key limits, renewal dates, and important documents—all in one place. No more hunting through email or filing cabinets.

Yes. With your permission, we work directly with your wealth manager, family office, lawyers, accountants, or any other advisors you designate to ensure insurance decisions fit your overall financial picture. We provide clean documentation and fast answers.

We specialize in clients with globally mobile lives. We can help you understand coverage options for frequent international travel, multiple residences, and related exposures. Our service includes access and coordination with licensed local brokers in country so you always have a local advocate speaking the local language that is ready to go when claims or other needs arise.

We work with specialty markets that offer these coverages where appropriate. Availability varies by carrier and individual circumstances. Get started to discuss whether these protections make sense for your situation.

We offer a full range of commercial lines including general liability, commercial property, workers' compensation, professional liability (E&O), directors & officers (D&O), cyber insurance, commercial auto, business owner's policies (BOP), and umbrella/excess liability.

We work with businesses of all sizes—from small professional firms and startups to mid-market companies and larger enterprises. Our approach is the same regardless of size: understand your exposures, shop the market, and find the right fit.

Yes. Cyber liability coverage is one of our fastest-growing lines. We help businesses assess their digital risk exposure and find policies that cover data breaches, ransomware, business interruption, regulatory fines, and more.

Absolutely. Many of our clients are business owners who also need high-net-worth personal coverage. We can coordinate both sides to ensure there are no gaps and often find efficiencies by working with carriers that offer both.

We have experience placing multi-state workers' comp programs. We'll coordinate filings, ensure compliance in each jurisdiction, and work with carriers that specialize in multi-state operations.

Yes. Directors & officers (D&O) and errors & omissions (E&O) coverage are critical for protecting leadership and professional service firms. We work with specialty carriers to tailor limits and terms to your specific industry and risk profile.

After you complete our intake (about 5 minutes), we typically follow up within 1 business day with preliminary options. The timeline for binding depends on the complexity of your coverage needs.

Yes. If you already have coverage, we can review your current policies and help you understand whether there are better options. We'll coordinate the transition so there's no gap in coverage.

Basic information about your properties, vehicles, and coverage needs is enough to start for personal lines. For commercial, we'll typically need details about your business operations, revenue, employee count, and any current policies. We'll guide you through what's needed.