Own your program — from your own paper to your own captive
We architect a protection program that you own. Your obligor, your terms, your compliance — handled. Start on fronted carrier paper, add your own licenses, and scale all the way to a captive that keeps the underwriting profit.
For merchants big enough to own their program economics. It’s a staircase, not a package: design the program, place the paper, draft the terms, secure your licenses, run 50-state compliance — up to forming and managing your own captive insurer.
1 · Your program design & pricing
We model coverage, deductibles, pricing, and risk structure on your actual failure and sales data — the program is engineered to your catalog.
2 · Your own obligor + bespoke terms
Fronted carrier paper (a rented obligor via Lexington or another carrier) with program terms drafted by a partner law firm. Priced as a flat build fee; software billed separately.
3 · Your licenses + 50-state compliance
Secure obligor and administrator licenses in your name, and let us manage annual compliance across all 50 states as a paid service.
4 · Your own captive
When volume justifies it, we help you form and run a captive insurer so you hold the risk and keep the underwriting profit.
Where teams put it to work
Questions, answered
À la carte: a flat build fee for the program plus annual compliance, with software billed separately. You keep the program economics.
No. It’s a staircase — start with your own fronted paper, add licenses when it makes sense, and only form a captive when the volume justifies it.
A partner law firm drafts terms specific to your business; Umbrella coordinates the full build and runs the program afterward.
You are — backed first by a rented/fronted carrier, later by your own licenses or captive. Always disclosed.
We run obligor, administrator, and annual filings across all 50 states for you as a managed service.
Ready to build your program?
Talk to our program team and go live in weeks, not quarters — fully compliant, fully under your brand.
Get started
