Structure your warranty program for maximum profit.
Our team of warranty veterans — with 100+ years of combined experience in legal, insurance, regulatory, and financial disciplines — helps manufacturers, brands, and dealers build custom warranty programs that are profitable, compliant, and built to scale.
Your warranty program should be a profit center, not a cost center
Whether you're launching a new protection program or optimizing an existing one, we help you structure it for profitability, compliance, and real value to your customers.
Maximize Warranty Profitability
We help you optimize every dimension of your program — pricing strategy, loss ratios, contract structure, and insurance costs — so your warranty business generates the margins it should. Brands that bring protection in-house typically see a 200%+ increase in warranty profit.
Compliant in All 50 States
Every state has unique regulatory frameworks for service contracts. We navigate the full landscape — registrations, financial requirements, T&C filings — and identify manufacturer exemptions where they apply, so you can sell everywhere without risk.
OEM Warranty Optimization
Already offering manufacturer warranties? We optimize them from both a tech and legal standpoint — ensuring your OEM program is structured to minimize liability, maximize efficiency, and take advantage of regulatory exemptions available to manufacturers in many states.
100+ Years of Warranty Expertise
Our team of warranty veterans brings deep expertise in legal, financial, insurance, and regulatory disciplines. You don't need to hire a compliance department — we bring the full bench of specialized knowledge that only comes from decades in the warranty industry.
Everything you need to structure, launch, and optimize a warranty program
From regulatory filings to pricing strategy, our team handles the complexity so you can focus on selling.
State-by-State Registration
We manage service contract provider registrations across all 50 states — applications, renewals, and state-specific requirements — including identifying manufacturer exemptions where they apply.
- Initial applications, renewals & filings
- Manufacturer exemption navigation
- Regulatory change monitoring
CLIP Securing & Insurance Placement
We secure Contractual Liability Insurance Policies from A-rated carriers on a state-by-state basis, along with SCRI policies, reserve funding, and trust accounts as your program requires.
- CLIP placement with A-rated carriers
- SCRI, trust accounts & reserve funding
- Risk transfer & balance sheet optimization
Contracts & Terms
We draft, review, and file your service contract terms & conditions to meet each state's requirements. Clear, customer-friendly language that protects your business and your buyers.
- Custom T&C drafting & review
- State-specific filings & approvals
- Ongoing updates as regulations evolve
Pricing & Loss Ratio Optimization
We help you set the right price points and optimize loss ratios to ensure your warranty program is profitable from day one and stays that way as you scale.
- Warranty pricing strategy
- Loss ratio analysis & optimization
- Profitability modeling & forecasting
Program Structure & Obligor Setup
We help you determine the right structure — your own obligor entity, a third-party obligor, or a hybrid — and handle all the registration and setup to get you operational.
- Obligor entity setup & registration
- Administrator structuring
- Insurance carrier relationships
OEM Warranty Optimization
Already offering manufacturer warranties? We optimize your OEM program from a technology, insurance, and legal standpoint — ensuring efficiency, minimizing liability, and leveraging regulatory exemptions.
- OEM program tech & legal audit
- Manufacturer exemption analysis
- Liability & claims optimization
Captive Insurance Company Setup
For brands ready for advanced program structuring, we can help establish a captive insurance entity in favorable jurisdictions — giving you greater control, potential tax advantages, and long-term flexibility.
- Captive entity formation & licensing
- Favorable jurisdiction selection
- Tax strategy optimization
Reporting & Ongoing Management
Compliance isn't a one-time event. We handle annual financial reporting, regulatory filings, audits, and program updates so your warranty business stays current as regulations evolve.
- Annual financial reports & filings
- Audit preparation & support
- Ongoing compliance management
Track every dollar of your protection program
Umbrella gives you a real-time command center for your in-house warranty business, so you always know exactly where you stand.
From kickoff to nationwide coverage
Our streamlined process gets your warranty program set up and fully operational fast.
Discovery & Assessment
We review your product categories, sales channels, and target markets to determine exactly what compliance structure your program needs.
Setup & Filing
We prepare and submit all registrations, draft your terms & conditions, and set up your financial security structure, in parallel across all required states.
Approval & Launch
Once registrations are approved and financial backing is in place, your warranty program goes live. Start selling protection plans nationwide.
Ongoing Management
We handle renewals, regulatory updates, annual filings, and any changes; your compliance stays current without any effort from your team.
Trusted Across Industries
Powering warranty and protection programs for businesses of every kind
E-Bikes
Protection plans for e-bikes & e-scooters
Automotive
Vehicle protection, simplified
Electronics
Device coverage, registration to resolution
Sports
Coverage for sports & recreation equipment
Home Appliances
Flexible plans for every appliance
E-Bikes
Protection plans for e-bikes & e-scooters
Automotive
Vehicle protection, simplified
Electronics
Device coverage, registration to resolution
Sports
Coverage for sports & recreation equipment
Home Appliances
Flexible plans for every appliance
Common questions
Manufacturers, brands, and dealers who want to structure their own warranty program — or optimize an existing one. Whether you're a consumer electronics OEM, an e-bike manufacturer, a furniture brand, or an authorized dealer network, our services are designed to make your warranty program more profitable and fully compliant.
Most programs are fully operational within a few weeks. We file registrations, secure CLIPs, set up financial backing, and draft T&Cs in parallel across all required states. Timelines vary by complexity, but our parallel-track approach gets you to market fast.
Many states provide regulatory exemptions for manufacturers offering warranties on their own products. We analyze your specific situation state-by-state to identify where exemptions apply and where filings are still needed, saving you time and cost while ensuring you're covered everywhere.
A captive is an insurance company you own that underwrites your own warranty program's risk. Formed in favorable jurisdictions, captives give you greater control over your program, potential tax advantages, and long-term financial flexibility. They're ideal for brands with established warranty programs looking to optimize their financial structure. Our team can assess whether a captive makes sense for your program's size and goals.
No. Our team of warranty veterans brings 100+ years of combined experience in legal, financial, insurance, and regulatory work. We handle registrations, obligor setup, CLIP placement, contracts, pricing strategy, and ongoing compliance — you don't need to hire a single specialist.
Absolutely. We audit existing programs to identify opportunities for improvement — better pricing, lower loss ratios, gaps in registration or financial backing, more favorable insurance structures. Whether you want to transition from a third-party provider or fine-tune a program you already run, we can help you make it significantly more profitable.
We analyze your product categories, historical claims data (or industry benchmarks for new programs), and competitive landscape to set price points that maximize attach rates while maintaining healthy margins. We continuously monitor loss ratios and adjust your program to ensure long-term profitability.
Warranty terms explained
New to the warranty industry? Here's a quick reference for the terms you'll encounter.
Obligor
The entity legally responsible for fulfilling the terms of a service contract or warranty. This is the company “on the hook” to pay claims. When you bring protection in-house, you (or your registered entity) become the obligor.
Administrator
The entity that handles the day-to-day operations of a warranty program: processing claims, managing customer service, and overseeing fulfillment. Can be the same company as the obligor or a separate third party.
CLIP
Contractual Liability Insurance Policy. An insurance policy that backs your warranty obligations. Many states require this as proof that claims will be paid even if the obligor faces financial difficulty. Umbrella helps you secure CLIPs from A-rated carriers.
Service Contract
A written agreement where a provider promises to repair, replace, or maintain a product for a specified period. Extended warranties, protection plans, and product care plans are all forms of service contracts.
Loss Ratio
The percentage of premium revenue paid out in claims. A 30% loss ratio means you keep 70% of revenue after claims. Lower is better; Umbrella's dashboard tracks this in real time so you can optimize your program.
Reserve Balance
Funds set aside to cover future warranty claims. Many states require obligors to maintain a minimum reserve. Umbrella tracks your reserve balance and ensures you stay compliant with funding requirements.
SCRI
Service Contract Reimbursement Insurance. A type of insurance that reimburses the obligor for claims paid. Required by some states as an alternative to (or in addition to) maintaining reserves.
State Registration
Most states require service contract providers to register before selling warranties to their residents. Requirements vary; some states need financial filings, others require approved T&Cs. Umbrella manages all 50.
Terms & Conditions (T&Cs)
The legal document that defines what a warranty covers, for how long, and under what conditions. Many states must approve your T&Cs before you can sell. Umbrella drafts, files, and keeps them current.
Attach Rate
The percentage of product sales that include a protection plan purchase. A 20% attach rate means 1 in 5 customers buys coverage. Higher attach rates mean more revenue; in-house programs typically see higher rates because pricing is more competitive.
Captive Insurance Company
An insurance entity you own that underwrites your warranty program's risk. Formed in favorable jurisdictions, captives offer greater control, potential tax advantages, and long-term financial flexibility for established programs.
Manufacturer Exemption
Many states exempt manufacturers from certain service contract registration requirements when they offer warranties on their own products. These exemptions vary by state and must be carefully analyzed to ensure compliance.
Ready to turn warranties into revenue?
Join 2,500+ brands using Umbrella to sell, manage, and optimize their warranty programs. Start free today.
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