Personal Insurance
Insurance that works the way you do.
We built Bulwark for high-net-worth individuals and families who expect more—speed, clarity, and real support when it matters. No runaround. No mystery. Just a better experience.
The Experience
A modern client experience.
Faster answers, self-serve dashboards, proactive reviews, and real claims support—all powered by smart tools and licensed advisors.
Faster answers
Get questions resolved quickly—without waiting days for a callback. Our advisors and smart tools work together to keep you moving.
Modern communication
Reach us the way you prefer. We're responsive and don't bury you in paperwork or phone trees.
Self-serve dashboard
See your policies, key limits, renewals, and coverage details in one place. No more hunting through email or filing cabinets.
Proactive reviews
We don't wait for renewal to check in. Annual reviews ensure your coverage keeps pace with your life.
Claims advocacy
When something happens, you get a real advocate. We help you navigate the process and communicate with carriers on your behalf.
Your Dashboard
Policies
3 active
Next Renewal
March 15, 2025
Umbrella Limit
$10M
Annual Premium
$42,500
Everything at a glance—no more hunting through email.
Coverage
Coverage for complex lives.
We specialize in the coverage high-net-worth families actually need—and help you understand every option clearly.
Primary Coverage Lines
High-Value Home Insurance
Protection for primary and secondary residences, including coverage designed for distinctive properties with unique features and higher replacement costs.
Who it's for
Homeowners with properties typically valued at $1M or higher, including vacation homes and estates.
What we help with
We shop leading high-net-worth carriers, explain coverage differences, and ensure adequate limits for full replacement.
Personal Auto Insurance
Coverage for personal vehicles, from daily drivers to collector cars, with higher limits and concierge-level claims service.
Who it's for
Individuals and families with multiple vehicles, teen drivers, or collector/classic cars.
What we help with
We structure coverage that fits your fleet, coordinate with umbrella coverage, and help navigate teen driver considerations.
Umbrella / Excess Liability
Extended liability protection that goes beyond the limits of your home and auto policies, providing a critical safety net for high-net-worth households.
Who it's for
Anyone with significant assets to protect—especially those with multiple properties, vehicles, or public exposure.
What we help with
We right-size your umbrella coverage, coordinate underlying limits, and explain how excess policies work.
Condo & Renters Insurance
Specialized coverage for condominium units and rental properties, including enhancements for high-value personal property.
Who it's for
Condo owners and renters with significant personal property or those in high-value buildings.
What we help with
We coordinate with your building's master policy and ensure your personal property and liability are properly covered.
Valuable Items Coverage
Scheduled coverage for jewelry, fine art, wine collections, and other high-value personal property that may exceed standard policy limits.
Who it's for
Collectors and individuals with significant jewelry, art, wine, or other valuable items.
What we help with
We help you understand appraisal requirements, scheduling options, and the difference between blanket and scheduled coverage.
Catastrophe Insurance
Protection against major natural disasters including earthquakes, hurricanes, floods, and other catastrophic events that may be excluded from standard policies.
Who it's for
Property owners in disaster-prone regions or those seeking comprehensive protection beyond standard coverage limits.
What we help with
We assess your property's exposure to natural catastrophes and structure coverage across private and specialty markets.
Aviation Insurance
Comprehensive coverage for private aircraft—including jets, turboprops, helicopters, and seaplanes—with hull damage, liability, and passenger protection.
Who it's for
Private aircraft owners, fractional ownership participants, and frequent charter users seeking owner-specific coverage.
What we help with
We navigate the specialized aviation market to find coverage that matches your aircraft type, usage patterns, and pilot qualifications.
Yacht & Watercraft Insurance
Specialized marine coverage for yachts, sailboats, and other watercraft, including hull, liability, crew, and personal effects protection.
Who it's for
Owners of yachts, sailboats, and high-value watercraft, whether for coastal cruising or international voyages.
What we help with
We secure coverage that addresses navigation areas, crew requirements, and the unique risks of marine ownership.
Additional Protections
Specialty coverage options that may be available depending on your situation and location.
Identity Theft Support
Prevention tools and restoration services to help protect and recover from identity theft incidents.
May be available as an endorsement or standalone coverage. Subject to underwriting.
Emergency Evacuation & Travel Assistance
Support for emergency medical evacuation, security extraction, and travel assistance for individuals with complex travel patterns.
Availability varies by carrier and location. Subject to policy terms and conditions.
Kidnap & Ransom (K&R)
Specialized coverage for kidnapping, extortion, and related incidents. Typically includes crisis response and professional negotiation services.
Available through specialty markets. Confidential placement. Subject to underwriting approval.
Global Support
Designed for global lives.
High-net-worth families often have lifestyles that span borders—multiple homes, frequent travel, international considerations. We understand these complexities and can help you navigate appropriate coverage.
Common Scenarios
We understand complexity.
These are the types of situations where our expertise makes a difference.
Frequent international travel
Coverage considerations for executives and families who travel internationally multiple times per year.
Multiple residences
Coordinating coverage across primary, secondary, and seasonal homes in different locations.
Executives & public-facing roles
Privacy considerations and specialty protections for those with elevated public profiles.
How We Help
Guidance for global exposures.
We don't promise one-size-fits-all solutions. Instead, we help you understand your unique exposures and explore appropriate coverage options.
Coverage availability varies by carrier, location, and individual circumstances. Subject to underwriting approval and policy terms.
Travel-related exposures
We help you understand coverage gaps that can occur when traveling internationally, including medical, evacuation, and property considerations.
Multi-residence coordination
Managing coverage across multiple homes—including seasonal residences and properties in different jurisdictions—requires careful coordination.
Local broker network
Our service includes access and coordination with licensed local brokers in country so you always have a local advocate speaking the local language.
Emergency evacuation support
Access to emergency medical evacuation and security extraction services may be available through specialty carriers, depending on your travel patterns.
K&R considerations
For clients with certain travel patterns or public profiles, kidnap & ransom coverage may be appropriate. We work with specialty markets to place coverage discreetly.
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