In a trailblazing move to address wildfire exposures among high-net-worth private collectors of fine art, FortressFire has collaborated with insurance brokers BMS Group and EPIC to introduce a specialty wildfire insurance program to safeguard collections of fine art in California. Introduced in June 2025, the program is aimed at filling an increasing protection gap for homeowners with irreplaceable property, namely those with collections ranging from $5 million to $250 million.
FortressFire Targets High-Net-Worth Art Owners Facing Wildfire Risks
As wildfires increasingly occur and are more destructive in California and the western United States, traditional homeowners insurers have been progressively retreating from insuring business in high-hazard territory. Consequently, many high-net-worth clients, particularly those with large collections of fine art, are underinsured.
The new FortressFire Fine Art Wildfire Insurance Program specifically meets this challenge head-on. The program is tailored for clients who were denied coverage or underserved by traditional insurers due to wildfire exposure. With a standalone product solely dedicated to wildfire insurance, clients can now insure their precious collections and estates with certainty.
FortressFire Provides End-to-End Wildfire Protection
What makes this insurance product unique is that it’s an active, end-to-end approach to wildfire risk. Unlike conventional coverage that typically only begins after a loss occurs, this product includes detailed risk mitigation and readiness processes as part of the policy framework.
Key Features of FortressFire’s Wildfire Protection Program:
Data-Driven Risk Assessment: FortressFire’s patented fire physics platform generates precise structure-level vulnerability assessments.
Personalized Mitigation Plans: Based on site-specific inspection, the program prescribes targeted actions to mitigate exposure to wildfires.
Onsite Inspections: Regular property inspections to ensure consistent wildfire preparedness.
Year-Round Monitoring: Continual oversight to keep properties within their original underwritten risk boundaries.
This model encourages proactive investment in mitigation and reduces potential losses for insurers.
FortressFire Monitoring and Emergency Response Services
One of the foundational aspects of the insurance package is the subscription-level FortressFire Monitoring + Protection Plan, which includes:
Seasonal Inspections: Regular visits to reassess risk levels ahead of fire season.
Weather-Triggered Responses: Inspection teams mobilized in response to extreme wildfire weather conditions.
Emergency Wildfire Response: On-call services provided by the company’s personnel during active wildfires.
All services are delivered by the company’s experienced wildfire mitigation professionals, providing a comprehensive and responsive wildfire defense system.
FortressFire Leads Industry with Strategic Partnerships
FortressFire’s wildfire insurance innovation is built on a unique partnership between insurance leaders. CEO and Chairman Michael Ashker emphasized its mission-driven value:
“Wildfire risk has become a defining risk for owners of priceless private collections… This program combines science, service, and insurance innovation to protect not only property—but legacy and peace of mind.”
The insurance component is colocated with BMS Group and offered through EPIC, allowing seamless underwriting, risk evaluation, and claims service—delivering a streamlined, high-touch client experience.
Nick Trowbridge of BMS Group and Kevin Daley of EPIC both echoed the urgency and strategic importance of the collaboration, calling it a forward-thinking solution in a time of growing climate risk.
FortressFire Offers a Blueprint for the Future of Wildfire Insurance
As California fires grow more destructive in an era of climate change, the FortressFire Fine Art Wildfire Insurance Program offers more than coverage—it provides a model for proactive, data-driven risk management.
With its commitment to readiness, responsiveness, and ongoing monitoring, FortressFire delivers a total wildfire resiliency solution for fine art collectors and estate owners. In a rapidly evolving risk landscape, FortressFire stands at the forefront of wildfire insurance innovation.
