URM Warranty & CLIP Practices
URM advises service contract providers, warranty obligors, manufacturers, fintechs, and other companies that make measurable contractual promises on how to structure, insure, and comply with those obligations.
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Our work ranges from placing contractual liability insurance policies (CLIPs) and service contract reimbursement insurance to evaluating captive and fronted captive structures for companies that want to retain warranty economics. We also advise on state-by-state regulatory requirements - licensing, financial responsibility mechanisms, reserve alternatives, and form filings - for companies operating across multiple states.
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Contractual Liability Insurance Policy (CLIP Insurance)
A Contractual Liability Insurance Policy (CLIP Insurance) lets companies back measurable contractual promises - warranties, service credits, refund obligations, performance guarantees - with A-rated insurance rather than trapped reserves. We evaluate whether your obligation is insurable (regulatory compliance), structure the right CLIP, and place it with carriers that understand the exposure.
Insurance-Backed Warranty Programs
Manufacturers, OEMs, retailers, and service contract platforms use insurance-backed structures to fund warranty obligations, satisfy regulatory requirements, and reduce balance sheet exposure. We help you choose the right structure - CLIP, reimbursement insurance, surety, reserve, or captive - based on your actual promise, not a template.
Captives & Fronted Captive Structures
Companies with sufficient warranty volume and credible claims data may be able to retain underwriting profit rather than giving it to a third-party provider or carrier. We evaluate captive and fronted captive structures for warranty and service contract programs where the economics justify bringing more of the risk and margin in-house.
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State Regulatory Guides
Service contract and warranty regulation is state-by-state - licensing triggers, financial responsibility options, CLIP requirements, reserve alternatives, and form approval processes all vary by jurisdiction. Our state guides cover what a provider needs to know before operating in each state, with specific guidance on insurance-backed compliance paths.
Who we Work With
URM works with companies building warranty, guarantee, service contract, reimbursement, and customer protection programs where the structure matters as much as the coverage. These programs often sit at the intersection of insurance, contracts, regulation, balance-sheet treatment, and customer trust.