Shopify merchants in 2026 have more options than ever for selling warranties and protection plans, but not all solutions are created equal. Some let you own the entire experience. Others take your revenue, your branding, and your customer relationship with them.
We evaluated the eight most talked-about warranty and protection apps across what actually matters: who keeps the revenue, how much control you get, whether the platform can handle both OEM and extended warranties, and, crucially, whether you’ll actually be compliant selling them.
The global extended warranty market is projected to reach $195 billion by 2028. For Shopify merchants, warranties aren't just a support function; they're a high-margin revenue stream. The app you choose determines whether that revenue stays with you or gets siphoned off to a third party.
The Two Models: Self-Managed vs. Third-Party
Before diving into individual apps, it’s critical to understand the fundamental split in how warranty platforms work. This distinction affects everything, from your margins to your customer experience.
- Provider owns the warranty contract
- You earn a commission (10–30%)
- Claims handled off-platform
- Provider's branding on communications
- No control over coverage terms
- Customer relationship splits
- You own the warranty contract
- You keep 100% of the revenue
- Claims handled in your dashboard
- Your branding throughout
- Full control over terms and pricing
- Customer relationship stays intact
Most merchants assume the third-party model is easier. It is, until you realize you’re giving away 70–90% of the revenue for a product your customer already trusts you to stand behind.
Feature Comparison at a Glance
| Feature | Umbrella | Extend | Mulberry | SureBright | Navidium | Dyrect | Webkul | Corso |
|---|---|---|---|---|---|---|---|---|
| Self-managed | Yes | No | No | No | Yes | No | Yes | No |
| Keep 100% revenue | Yes | No | No | No | Yes | No | Yes | No |
| Extended warranty upsells | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No |
| OEM warranty registration | Yes | No | No | No | No | Yes | No | No |
| Shipping protection | Yes | 3rd Party | No | Yes | Yes | No | No | Yes |
| Behavioral insights | Yes | 3rd Party | No | No | No | No | No | No |
| Native claim form | Yes | No | No | No | No | No | No | No |
| 100% white-label | Yes | No | No | No | Partial | No | Yes | No |
| Compliance layer | Yes | Internal | Internal | Internal | No | No | No | No |
| Contract generator | Yes | No | No | No | No | No | No | No |
| Multiple resolutions | Yes | Limited | Limited | Limited | Limited | No | No | No |
Now let’s dig into each platform, with ratings, product coverage, and real merchant reviews.
1. Umbrella
Merchants who want to own the full warranty experience, including upsells, OEM registration, claims, compliance, branding, and revenue, without relying on a third party.
Umbrella is a self-managed, white-labeled warranty platform built specifically for Shopify. Unlike every other app on this list, it’s designed to handle both extended warranty upsells at checkout and automated OEM warranty registration post-purchase, all under your brand, with your pricing, keeping 100% of the revenue.
How It Works
Umbrella installs natively into your Shopify store and injects warranty offers at the product page, cart, and checkout. After purchase, OEM warranties are registered automatically. When a customer needs to file a claim, they use a branded claim portal embedded in your store, not some external site with another company’s logo.
Key Strengths
No revenue sharing. Every dollar from warranty sales stays in your account. Umbrella charges a flat monthly fee, not a cut of your sales.
Customer-facing emails, claim forms, and portals are all branded as your store. Customers never see Umbrella's name.
The only platform that handles both OEM registration and extended warranty upsells in a single tool, with no second app needed.
Umbrella can set you up with a full compliant infrastructure: obligor, administrator, or help you get licensed as either or both.
Resolution Options
When a claim is approved, Umbrella gives you multiple ways to resolve it, not just a refund checkbox:
- Replacement: Ship a new unit directly
- Repair reimbursement: Cover repair costs
- Store credit: Issue credit toward a future purchase
- Discount codes: Provide a percentage or fixed discount
- Custom resolution: Define your own workflow
Real-World Use Cases
Electronics brand: Offers a 1-year included OEM warranty that registers automatically. Customers can optionally add a 2-year extended plan at checkout for $29.99, and the merchant keeps every dollar.
Outdoor gear merchant: Sells accident protection upsells on fishing rods and camping equipment. Claims are resolved via store credit, driving repeat purchases instead of cash out the door.
Considerations
- You handle claim resolutions yourself (though Umbrella’s compliance layer can connect you with an administrator if needed)
- You’re responsible for fulfilling warranty obligations
- Requires you to set up your own coverage terms (though the contract generator helps)
Pricing
Flat monthly fee with a free tier available. No revenue sharing, no per-transaction fees.
2. Extend
Merchants who want a completely hands-off warranty experience and don't mind giving up most of the revenue.
Extend is the largest insurance-backed third-party warranty provider in the Shopify ecosystem. They handle everything, including underwriting, claims, and customer support, so you don’t have to lift a finger after checkout. In 2022, Extend became a licensed service contract provider (obligor) nationwide, giving them full vertical integration.
The tradeoff is significant: Extend keeps the majority of warranty revenue. You earn a commission, typically 10–30% depending on product category and volume. Their 3.3 rating on Trustpilot (311 consumer reviews) suggests the customer-facing claims experience doesn’t always match the merchant-side marketing.
Key Strengths
- Zero merchant effort: Extend handles claims end-to-end
- Insurance-backed plans: Regulated warranty coverage with accidental damage options
- Licensed obligor: They hold state-level licensing so merchants don’t need to
- Solid API: Good developer documentation for custom integrations
- Shipping protection: Available through Extend’s third-party network
- Behavioral insights: Offers analytics and reporting, but all data lives in Extend’s ecosystem
Limitations
- Low revenue share: Extend retains 70–90% of warranty revenue
- No pricing control: Extend sets the warranty price, not you
- External claims experience: Customers file claims on Extend’s site, not yours
- No OEM registration: Only handles extended warranty upsells
- Everything is third-party: Shipping protection, behavioral insights, and claims all run through Extend’s platform, not yours
- Co-branded at best: Extend’s branding appears throughout the customer journey
- No compliance help for merchants: Extend acts as the obligor themselves but doesn’t help merchants become independently compliant
3. Mulberry
Multi-vertical merchants (furniture, electronics, home goods) who want quick setup and don't need customization.
Mulberry is a third-party warranty provider that offers pre-packaged protection plans across several product categories. Installation is quick, but you get very little control over the details. Mulberry Shield, Inc. acts as the obligor in most states, with state-specific entities used where required.
Their 3.6 Trustpilot score across 796 consumer reviews tells a story: merchants may be happy with the ease of setup, but end-customers often have a different experience when it comes to actually filing claims.
Key Strengths
- Fast installation: Up and running in minutes
- Multi-vertical: Covers electronics, furniture, home accessories, and more
- Dynamic pricing available: One of the few third-party providers that adjusts pricing
- Licensed obligor: Compliance handled internally via multiple state-specific entities
Limitations
- Very low revenue share: Among the lowest merchant payouts in the category
- No OEM registration: Extended upsells only
- No custom coverage rules: You take what Mulberry offers
- Provider branding: No white-label option; Mulberry’s name is on the experience
- Claims handled externally: Customers are redirected to Mulberry’s claim portal
- Poor consumer sentiment: 3.6 Trustpilot rating suggests claims experience issues
4. SureBright
Mid-to-large Shopify merchants ($700K+ annual revenue) who want a fully managed, insurance-backed warranty program without any operational effort.
SureBright positions itself as “AppleCare for every retailer” and went through Y Combinator in Summer 2024. They’re a third-party, insurance-backed warranty provider that handles everything from claims to compliance, in exchange for a significant share of the revenue.
SureBright offers coverage across 60+ product categories including electronics, furniture, e-bikes, HVAC, medical equipment, and even jewelry. They also offer shipping protection alongside extended warranties, making them one of the few platforms covering both. They claim merchants earn “up to 55%” commission, but typical net margins land at 10–30% after SureBright’s cut.
Key Strengths
- Fully managed service: SureBright handles claims, customer support, and compliance end-to-end
- Fast integration: 10-minute Shopify setup
- Wide category coverage: 60+ product categories supported
- Shipping + warranty: One of the few providers offering both
- AI-powered product qualification: Automated policy selection for unlimited SKUs
- Omnichannel: Supports Shopify POS, Lightspeed, WooCommerce, BigCommerce, and Magento
Limitations
- Revenue-shared: Merchants earn a commission (up to 55%, often much less), not 100% of revenue
- Not truly white-label: Widgets are customizable but warranty experience is SureBright-branded (“Powered by SureBright” visible)
- No OEM registration: Extended warranties and shipping protection only
- Opaque underwriting: The obligor and underwriter are never publicly identified
- $700K+ revenue threshold: Smaller merchants may not qualify
- No compliance help for merchants: SureBright handles compliance by absorbing it, not by helping merchants get independently licensed
- Small install base: ~104 Shopify stores despite being 3+ years old
5. Navidium
Shopify merchants who want to self-fund shipping protection and keep 100% of collected fees, plus an all-in-one post-purchase suite.
Navidium pioneered the “self-insured shipping protection” model, a direct counter to Route’s revenue-share approach. Instead of paying a third-party insurer, merchants collect a protection fee at checkout and personally guarantee to reship or refund lost, damaged, or stolen packages. What’s left after claims becomes pure profit.
Navidium has since expanded into an all-in-one post-purchase suite with six products: shipping protection, returns & exchanges, cart upsells, basic warranties, order tracking, and order editing. With 321 Shopify reviews at 4.8 stars, they have the most proven merchant track record of any app on this list by sheer volume.
Key Strengths
- 100% revenue retention on shipping protection, with very attractive economics for low-loss-rate merchants
- All-in-one suite: Shipping protection, returns, upsells, warranties, tracking, and order editing
- Strong review volume: 321 reviews at 4.8 stars shows consistent merchant satisfaction
- Dynamic pricing: Fixed fee, percentage-based, or tiered pricing for the protection widget
- A/B testing: Test different prices, placements, and opt-in vs. opt-out configurations
- Multi-platform: Shopify, BigCommerce, WooCommerce support
Limitations
- Merchant bears 100% claims risk: No risk transfer; catastrophic loss events erode margins directly
- No regulatory compliance layer: Merchants collecting protection fees may be operating in a regulatory gray area (the NAIC has flagged package protection offerings as having insurance regulatory issues)
- No OEM warranty support: Cannot digitize, register, or manage manufacturer warranties
- No behavioral insights: Basic revenue dashboards only, no predictive analytics
- E-commerce only: No omnichannel, POS, or in-store support
- Warranty product is basic: Simple extended protection with manual claims management, no automated adjudication
- No compliance infrastructure: No obligor setup, no administrator licensing, no state registrations
6. Dyrect
DTC brands exploring post-purchase product registration with basic warranty upsells.
Dyrect is a newer entrant focused on post-purchase engagement, including product registration and basic extended warranty upsells. It’s one of only two apps on this list with OEM registration capabilities (the other being Umbrella), though the depth is limited compared to a purpose-built warranty platform.
Key Strengths
- Post-purchase registration: Basic OEM warranty registration via QR codes and web forms
- Simple upsell flow: Lightweight extended warranty checkout integration
- Easy Shopify setup: No heavy development needed
- Strong G2 reviews: 4.9 across 36 reviews shows happy users in the registration use case
Limitations
- Revenue sharing: Dyrect takes a cut of warranty sales
- No claims customization: Standard claim flow with no configuration options
- Limited resolution logic: No multi-resolution support
- Basic OEM features: Registration exists but without deep automation or branding controls
- No compliance infrastructure: No obligor/administrator licensing support
7. Webkul Warranty Management App
Budget-conscious small merchants who just need basic warranty period tracking, nothing more.
Webkul is a simple, low-cost tool for tracking warranty periods on products. It’s self-managed and you keep your revenue, but it’s more of a spreadsheet replacement than a warranty platform. At 4.2 stars with only 8 reviews, it has the lowest rating and smallest review base on this list.
Key Strengths
- Self-managed: You own everything
- Low cost: Among the cheapest options available
- 100% revenue retention: No commissions or revenue sharing
- Basic tracking: Tracks warranty windows per product and customer
Limitations
- No checkout upsells: Can’t sell extended warranties at point of purchase
- No OEM registration: Manual tracking only
- No claims management: No embedded claim forms or automated workflows
- No dynamic pricing: Flat, manual configuration
- No integrations: No connection to shipping, repair, or resolution tools
- No compliance support: Zero regulatory infrastructure
8. Corso
Sustainability-focused brands that want return protection and shipping coverage, not actual warranties.
Corso started as a shipping protection tool and has expanded into return protection and post-purchase coverage. It’s important to note: Corso is not a warranty platform. It doesn’t offer configurable warranty plans, OEM registration, or real claims management.
Key Strengths
- Return deflection: Helps convert returns into exchanges or store credit
- Sustainability messaging: “Green returns” positioning appeals to eco-conscious brands
- Simple checkout widget: Easy to add shipping protection at checkout
Limitations
- Not a warranty solution: No extended warranty or OEM functionality
- No configurable plans: No coverage terms, durations, or pricing controls
- No claims infrastructure: No claim forms, routing, or resolution workflows
- Limited brand control: Corso’s branding throughout the experience
- No compliance support: Zero regulatory infrastructure
The Compliance Gap No One Talks About
Here’s what most comparison articles won’t tell you: selling extended warranties and protection plans is a regulated activity. In most U.S. states, you need an obligor (the entity legally responsible for fulfilling the warranty), an administrator (the entity managing claims), and in many cases specific state-level licensing and bonding.
- Third-party providers (Extend, Mulberry, SureBright) absorb it; they act as the obligor themselves
- Self-managed tools (Navidium, Webkul, Corso) ignore it entirely
- Neither approach helps YOU become compliant
- Merchants using self-insured models may be operating in a regulatory gray area
- Full compliance infrastructure setup for your brand
- Can connect you with an obligor entity
- Can set you up with an administrator
- Can help you get licensed as an obligor, administrator, or both
- You own the compliance, and it's not dependent on a third party
This is a critical distinction. When you use Extend or SureBright, your compliance depends entirely on their continued operation. If they shut down or change terms, your warranty program goes with them. With Umbrella’s compliance layer, you hold the licensing and infrastructure, and it’s yours regardless of what software you use.
The NAIC (National Association of Insurance Commissioners) has specifically flagged package protection and extended warranty offerings as having insurance regulatory issues. Merchants selling these products without proper compliance infrastructure are taking on legal risk, and most self-managed warranty apps provide zero guidance on this.
The Verdict
Here’s how to think about your decision:
Choose Umbrella if you want to own the full warranty lifecycle: upsells, OEM registration, claims, branding, compliance, and revenue. It’s the only platform that does all of this in one tool without taking a cut, and the only one that helps you build your own compliance infrastructure.
Choose Extend or SureBright if you want to be completely hands-off and are comfortable earning a commission instead of keeping the full margin. These are “set it and forget it” options, but just know what you’re giving up in revenue and control.
Choose Navidium if shipping protection is your primary need and you want to self-fund it for maximum margins. Just be aware of the compliance gap.
Choose Mulberry if you need multi-vertical coverage with minimal setup and aren’t concerned about revenue share or branding control.
Choose Dyrect if you’re primarily interested in post-purchase product registration with light warranty upsells.
Choose Webkul if you just need basic warranty tracking at the lowest possible cost.
Skip Corso if you’re looking for a real warranty solution; it’s a shipping/return protection tool, not a warranty platform.
Umbrella gives you everything you need to sell, manage, and resolve warranties under your own brand, keeping 100% of the revenue with full regulatory compliance. Start your free trial or book a demo to see it in action.
Frequently Asked Questions
How does Umbrella integrate with Shopify?
Umbrella installs as a native Shopify app. It automatically embeds warranty offers on product pages, in the cart, and at checkout. OEM warranty registration triggers automatically after purchase. No code changes needed.
Can I sell extended warranties directly with Umbrella?
Yes. You create your own plans with custom pricing, durations, and coverage terms. Warranty offers appear at checkout and customers can add them in one click. You keep 100% of every sale.
How is Umbrella different from Extend, SureBright, or Mulberry?
Extend, SureBright, and Mulberry are third-party resellers; they own the warranty, handle claims externally, and keep most of the revenue. Umbrella is self-managed: you own the warranty, handle claims in your dashboard, and keep all the revenue. Umbrella also supports OEM registration and a compliance layer, which none of the third-party providers offer to merchants.
Does Umbrella help with warranty compliance?
Yes. This is one of Umbrella’s most unique offerings. They can set your brand up with a full compliant infrastructure including an obligor entity, an administrator, or help you get licensed as either or both. No other warranty app on this list offers this as a service to merchants.
How is Navidium different from Umbrella?
Navidium is primarily a self-insured shipping protection tool that has expanded into basic warranties. Umbrella is a purpose-built warranty platform focused on extended protection and OEM registration. Navidium lets you keep 100% of shipping protection fees, but offers no compliance infrastructure, no OEM registration, and basic warranty features. Umbrella keeps 100% of warranty revenue with full compliance support.
What about OEM warranty management?
Umbrella is one of only two apps on this list with OEM registration (the other being Dyrect). When a customer purchases a product, Umbrella can automatically register their OEM warranty, with no manual steps required from the customer or your team.
How much does Umbrella cost?
Umbrella offers flexible pricing tiers including a free option. Unlike third-party providers, Umbrella charges a flat fee, not a percentage of your warranty sales. That means your margins improve as you scale.
