OEM Warranties

OEM warranties typically provide a guarantee of quality by the manufacturer or brand free of charge for a certain period of time. Umbrella enables merchants to easily display coverage info on product pages, and  offer a natively embedded claim portal and warranty eligibility tracker for customers who log into their account on your site. Customers who purchase your products from a 3rd party can upload a proof of purchase, allowing you todeterminewhether to provide or deny a covered repair or replacement.

OEM plans can be created in the Plan Builder, where you define eligibility, coverage, claim logic, and resolution options. The process is similar to extended warranties, but since OEM warranties are free for customers, there's no pricing setup needed.

Plan Name

This is the customer-facing name of the plan.

• Appears on product pages and during checkout
• Keep the name clear and benefit-oriented (e.g., “OEM Coverage, “1 Year Factory Warranty”)

Product Selection

You can include or exclude products using:

• Tags
• Collections
• Product handles
• Brands
• Use exclusion rules to prevent coverage from applying to specific items (e.g., clearance items or low-value accessories)

This gives you fine-grained control over where and how OEM coverage eligibility is established.

Coverage

Coverage defines what the plan protects against. These options appear on the customer-facing plan description and the claim submission form.

Common coverage types:

• Mechanical failure
• Accidental damage
• Liquid damage
• Electrical malfunction
• Custom options, depending on industry

Only the selected coverage types will be available when a customer selects a claim reason.

AI Terms & Conditions Generator

Umbrella provides a built-in AI-based generator to create warranty terms and conditions.

• You’ll be asked to fill in company details (name, address, support contact)
• The generator uses your inputs and plan settings to create customized terms
• You can preview, edit, and regenerate the terms before saving

These terms are attached to each plan and shown to customers prior to purchase.

Claim Window

The claim window defines when coverage begins, not how long it lasts.

Options include:

• On date of purchase
• After shipment or delivery
• After a defined delay (e.g., 30 days after purchase)
• After OEM warranty expires (for stackable protection)

This setting controls when the customer becomes eligible to file a claim—not the duration of the plan.

Status

Each OEM plan has one of the following statuses:

• Active: The plan is live and available on eligible products
• Draft: The plan is hidden from the store front. New orders will not be covered.

You can change a plan’s status at any time.

Evidence Requirements

During plan setup, you define what evidence is required to submit a claim.

Supported types:

• Photos (e.g., of the damaged item)
  • AI fraud detection
• Video Evidence
  • AI fraud detection
• Written descriptions
• Order verification (auto-populated)
• Serial numbers or custom fields

Claims cannot be submitted without the required fields.

Resolutions

Resolutions define how approved claims are handled. While you will need to configure your default options in the plan setup, you will have the opportunity to manually adjust a credit amount upon approving a claim.

Auto-approve claims

When you click "Issue credit", a store credit will be sent directly to the customer, from your Shopify store. Auto-issued credits or replacements can be configured for faster resolution.

Delay approval by

To prevent abuse and simulate the experience of a manual review process, you may specify a "delay" period to wait before a claim is auto approved.

Extra credit

Issuing extra credit is a great way to incentivize customers to make an additional purchase alongside their replacement.

Rounding

Easily round up credit to the nearest increment of your choice.