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FortressFire, a provider of wildfire analytics and property-specific protection services, brokers BMS Group and EPIC have come together to launch the Fine Art Wildfire Insurance Program to protect high-value collections in California.
This product, officially introduced in June 2025, has been designed for property owners with valuable collections, offering tailored wildfire protection and standalone insurance.
This bridges a critical gap in the market, particularly for high-net-worth clients in California and the western US whose collections are valued between $5 million and $250 million.
The offering is particularly suited for clients who have been declined or underserved by traditional homeowners insurers due to wildfire risk.
Unlike conventional insurance products, this program delivers a full-spectrum wildfire solution, covering everything from data-driven risk evaluation to concierge mitigation planning, onsite inspection and year-round property monitoring.
The final coverage depends on verified wildfire readiness, creating a pathway to insurability that benefits both clients and insurers by rewarding preparedness and reducing exposure.
“Wildfire risk has become a defining concern for owners of irreplaceable private collections,” said Michael Ashker, Chairman and CEO at FortressFire. “This program is a first-of-its-kind collaboration that blends science, service and insurance innovation to protect not just property – but legacy and peace of mind.”
The insurance coverage is arranged via BMS Group and distributed by EPIC. The program is powered by FortressFire’s proprietary fire physics models and its platform, which generates structure-level wildfire vulnerability reports, prescribes mitigation actions and monitors properties to maintain as-underwritten conditions throughout the policy term.
Additionally, the program also includes a Monitoring + Protection Plan subscription, with seasonal service visits, extreme weather-triggered inspections and wildfire event response options – all coordinated by FortressFire’s expert wildfire services team.
“In the wake of this year’s devastating LA wildfires, it’s clearer than ever that the insurance industry must evolve to meet a new era of climate-driven risk,” said Nick Trowbridge, Marine and Fine Art Lead, Facultative Practice at BMS Group. “This program delivers a smarter, more resilient solution—one that not only reflects today’s risk landscape but anticipates the demands of tomorrow’s clients. We’re delighted to have partnered with FortressFire and EPIC on this program, which we anticipate will be well-received by brokers for California’s—and the wider USA’s—fine art collectors.”
Kevin Daley, President and Private Client Leader at EPIC noted, “The wildfire insurance crisis has left too many valuable assets uncovered or under-protected. This program opens the door to insuring assets and properties that were previously considered uninsurable. We’re proud to partner with BMS Group and FortressFire to bring innovative coverage options to property owners equally committed to preventing wildfire losses.”
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