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Warranty Offerings


What Are the Regulatory Requirements to Offer an Extended Warranty?
Selling an extended warranty can create recurring revenue, but the structure matters. Learn how state service contract laws, reimbursement insurance, reserves, surety, disclosures, and warranty classification affect whether a program can be sold legally and profitably.

Steven Barge-Siever, Esq.
May 24 min read


Why Warranty and Service Contract Companies Are Natural CLIP Insurance Candidates
Warranty and service contract companies carry insurance-like risk through contractual guarantees. Learn why CLIP structures stabilize reserves, reduce balance sheet exposure, and protect capital.

Steven Barge-Siever, Esq.
Jan 112 min read


CLIP Insurance Explained: Why Warranty, Service Contract, and Protection Programs Get Reclassified as Insurance.
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

Steven Barge-Siever, Esq.
Dec 12, 20257 min read


Is Your Warranty Actually Considered Insurance?
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

Steven Barge-Siever, Esq.
Dec 11, 202514 min read


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 7, 20254 min read
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