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CLIPs vs Captives: When to Use Each - and How They Work Together
CLIP vs captive insurance explained. Learn when to use a Contractual Liability Insurance Policy, a captive, or a hybrid CLIP + captive model across industries.
Steven Barge-Siever, Esq.
Sep 74 min read
The Future of CLIP Insurance: From Retail Credit to AI Contracts
CLIP insurance is moving beyond its retail credit origins and into SaaS and AI contracts. This article explores how Contractual Liability Insurance Policies help companies guarantee outcomes, secure revenue recognition, and transfer risk in the fast-changing digital economy.
Steven Barge-Siever, Esq.
Sep 64 min read
The Regulatory Landscape for CLIP Insurance: What Every Credit and SaaS Provider Needs to Know
Discover how CLIP insurance is regulated across key states. Learn why guarantees must be insured or reserved and what compliance means for SaaS and AI firms.
Steven Barge-Siever, Esq.
Sep 64 min read
Tech Insurance for Payments Companies (The 2025 Guide)
Payments platforms face unique risks. Learn how to structure insurance for embedded finance, KYC, API outages, and regulatory liability.
Steven Barge-Siever, Esq.
Jul 314 min read
Do AI Hallucinations Create Legal Liability? A Tech E&O Insurance Perspective
When AI hallucinates, who’s liable? Learn how insurance - Tech E&O, Cyber, and Media Liability - respond to LLM output errors, and whether you're truly covered.
Steven Barge-Siever, Esq.
Jul 313 min read
Guide to Insurance for AI Startups (2025)
What insurance do AI startups need? Learn how to protect your board, meet enterprise requirements, and avoid costly E&O and Cyber coverage gaps.
Steven Barge-Siever, Esq.
Jul 315 min read
CFO Liability in the Modern Era: Real Cases, Rising Risk
CFOs aren’t just managing financials anymore they’re absorbing liability.
High-growth companies often treat insurance like a purchase, not a defense strategy. The CFO is told to “handle it.” The broker is told to “get it done.”
But when projections miss, deals collapse, or funding dries up, it’s the CFO’s name on the dotted line - and increasingly, at the top of the lawsuit.
Fiduciary duty claims are up 233% year-over-year. Fraud-related suits are rising. Indemnification
Steven Barge-Siever, Esq.
Jul 96 min read
"DoNotPay" - FTC Litigation Against AI Litigation tools.
When the FTC fined DoNotPay for claiming its AI could replace a lawyer, it sent a clear message: AI can process, but it can’t practice. This article unpacks what that means for legal tech, licensed professions, and the insurability of AI tools that cross the line from automation into unlicensed advice.
Steven Barge-Siever, Esq.
Jul 14 min read
The Hidden Risk When Signing Form ADV: What Every Signatory Should Know
Signing Form ADV is more than a routine compliance step. It creates personal liability exposure for the signatory, even when they are not a CFO or General Counsel.
Steven Barge-Siever, Esq.
Jun 274 min read
Liability Without Control: How Risk Flows Through the Modern Tech Stack
Downtime Isn’t Always Your Fault - But It’s Always Your Problem. In a world of tech interdependencies, one gap or flaw can sink your company. The same is true for insurance.
Steven Barge-Siever, Esq.
Jun 154 min read
Builder.ai: When AI Washing, Fraud Leads to Collapse - and D&O Insurance Doesn’t Catch You
Builder.ai’s collapse raises a critical question: will the D&O insurance respond - and for whom? This article breaks down the legal allegations, key exclusions, and what Side A, B, and C really mean when a unicorn implodes. Written by a broker-attorney, it shows how policy structure, severability, and fraud exclusions will shape the outcome - and what brokers should have negotiated before it all went wrong.
Steven Barge-Siever, Esq.
Jun 47 min read
The 2025 Guide to GPL Insurance: How General Partners Can Finally Close the Coverage Gap
This guide breaks down GPL insurance - what it is, what it covers, and why 2025 demands a smarter, tech-enabled approach.
Steven Barge-Siever, Esq.
Jun 15 min read
Fintech Insurance Gets a Tailwind: What the CFPB’s Retreat Means for D&O and Tech E&O Buyers
The CFPB’s retreat in 2025 is lowering fintech insurance risk - creating broader D&O and Tech E&O coverage at better prices for CFOs and GCs.
Steven Barge-Siever, Esq.
May 313 min read
Affirmative AI Insurance: Why It Matters, What It Covers, and What Boards Need to Know
Learn what affirmative AI insurance really covers, how it differs from silent policies, and what boards must know to avoid gaps in 2025.
Steven Barge-Siever, Esq.
May 298 min read
Board Liability in the Age of AI: A 2025 Guide to AI D&O Insurance
Board Liability in the Age of AI: A 2025 Guide to AI D&O Insurance. As artificial intelligence transforms how companies build, operate, and compete - one thing hasn’t changed: boards are still responsible when things go wrong.
Steven Barge-Siever, Esq.
May 244 min read
Affirmative AI Endorsements in Tech E&O Insurance
Affirmative AI Endorsements in Tech E&O Insurance - What They Are, Why They Matter and Why Silence Might Be Safer
Steven Barge-Siever, Esq.
May 245 min read
Series A Fintech Insurance Playbook
What Fintech Startups Get Wrong About Series A Insurance (And How to Fix It) When fintech startups hit Series A, everything changes -...
Steven Barge-Siever, Esq.
May 232 min read
Your Pitch Deck Was Reviewed by VCs. Then by the SEC and DOJ.
Startup D&O and SEC Risk: When Pitch Deck Claims Become Liability
Steven Barge-Siever, Esq.
May 236 min read
Top 10 GPL Insurance Exclusions Fund Managers Miss
GPL insurance policies often fail where it matters most. We break down the top 10 gaps fund managers miss and explain how to fix them before the claim hits.
Steven Barge-Siever, Esq.
May 213 min read
AI Washing: The Dirty Truth of AI Litigation
AI washing - it’s a legal and underwriting risk. As early-stage companies face lawsuits and SEC actions for misrepresenting AI capabilities, underwriters are adjusting how they evaluate “AI-first” risks. This article breaks down real enforcement cases, the line between puffery and fraud, and why insurance may not respond when the AI claim was never real.
Steven Barge-Siever, Esq.
May 216 min read
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