We bring the coverage and back every claim
A turnkey, white-labeled protection program. Umbrella sets pricing and deductibles, an A-rated carrier stands behind the obligation, and we make every claim decision — you sell it under your brand.
For merchants who want a protection program live fast without owning the risk. We provide the obligor backing through our carrier, set base pricing and deductibles, and adjudicate every claim — all white-labeled to you.
Carrier-backed obligor
An A-rated carrier stands behind the service contracts — disclosed on every contract, and never you on the hook for the risk.
Base pricing & deductibles
We set pricing and deductibles tuned to your catalog, margin, and attach rate — you shape positioning and where it’s offered.
Every claim decision
Claims are cross-checked, adjudicated, and resolved by Umbrella, with AI fraud detection and clear resolution timelines.
White-labeled end to end
Contracts, customer portals, and communications all ship under your brand — the program is invisibly ours, visibly yours.
Where teams put it to work
Questions, answered
Our A-rated carrier partner backs the obligation, disclosed on every contract. You carry none of the risk.
Yes. Your factory warranty stays yours — you’re the obligor and you set the terms. The Umbrella-backed extended and ADH plans are separate insured products layered on top, and the software routes each claim to the right payer. You toggle insured coverage on per product without touching your factory obligations.
We set base pricing and deductibles; you influence merchandising, positioning, and where plans are offered.
Weeks, not months — the obligor, program, and compliance are already in place.
You share in the program economics while we carry the risk and the operational load.
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
