If you don't have the necessary permissions you will get an error similar to the following:
Msg 4834, Level 16, State 4, Line 5
You do not have permission to use the bulk load statement.
This is what one of my users got earlier today when trying to perform a BULK INSERT. To be able to do this successfully they will need the ability (permission) to INSERT records into the table in question.
In our case the following script will do the trick:
USE orderdemo go GRANT INSERT ON dbo.orders_BULK TO bulktest go
They will also need Administer Bulk Operations permission, you can give that permission by executing the following, this is a server level permission:
USE master go GRANT ADMINISTER BULK OPERATIONS TO bulktest
The user will need ALTER table permissions in certain circumstances.
This information is available in BOL but I came across the need to give this permission today and I thought I would share it.