Warranty & CLIPs

Written by Steven Barge-Siever, Esq. Many warranty, service contract, and “protection” programs believe they are operating outside insurance regulation simply because they avoid calling themselves insurance. That belief is wrong - and increasingly expensive. Across the U.S., regulators are not focused on labels. They are focused on economic reality: who bears risk, who controls funds, and who is legally obligated when things go wrong. When those elements line up, a program

A 2026 State-by-State Legal Guide for Warranties, Service Contracts, and UDAP Risk This article is for informational purposes only and does not constitute legal advice. Authored by Steven Barge-Siever, Esq. I. The Core Problem: More “Protection Plans” Than Legal Structures Across consumer and commercial markets, companies are layering on: Extended warranties Accidental damage plans Membership “protection” benefits Subscription-based replacement programs Home, appliance, auto

CLIP vs captive insurance explained. Learn when to use a Contractual Liability Insurance Policy, a captive, or a hybrid CLIP + captive model across industries.

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.

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.