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Cybersecurity Guarantees and CLIP Insurance: When Security Vendors Become Risk Bearers
Cybersecurity vendors create insurance-like risk when they guarantee breach costs, downtime recovery, or financial protection. CLIP insurance allows these obligations to be defined, capped, and transferred onto regulated insurance paper, turning open-ended security guarantees into controlled, insurable financial exposure.
Steven Barge-Siever, Esq.
14 hours ago3 min read
Marketplace Guarantees and CLIP Insurance: When Platforms Underwrite Transaction Risk
Marketplace platforms create insurance-like risk when they guarantee payments, refunds, delivery, or fraud protection. CLIP insurance allows these obligations to be clearly defined, capped, and transferred onto regulated insurance paper, turning transaction guarantees into controlled, insurable financial exposure.
Steven Barge-Siever, Esq.
2 days ago3 min read
Cloud Savings Guarantees and CLIP Insurance: When FinOps Platforms Underwrite Financial Outcomes
Cloud cost optimization platforms create insurance-like risk when they guarantee savings, refunds, or financial outcomes. CLIP insurance allows these obligations to be clearly defined, capped, and transferred onto regulated insurance paper, turning cloud savings guarantees into controlled, insurable financial exposure.
Steven Barge-Siever, Esq.
3 days ago3 min read
SaaS Performance Guarantees and CLIP Insurance: Why Outcome-Based Contracts Create Insurable Risk
SaaS and AI companies create insurance-like risk when they guarantee performance, savings, or outcomes. CLIP insurance allows these obligations to be clearly defined, capped, and transferred onto regulated insurance paper, turning open-ended promises into controlled, insurable financial exposure.
Steven Barge-Siever, Esq.
4 days ago3 min read
Rent Guarantee Platforms and CLIP Insurance: Why Housing Guarantees Create Insurable Risk
Rent guarantee and deposit replacement platforms carry insurance-like risk because they promise to cover rent defaults, lease failures, and property damage. CLIP insurance allows these obligations to be clearly defined, capped, and transferred onto regulated insurance paper, protecting capital while preserving the platform’s business model.
Steven Barge-Siever, Esq.
4 days ago3 min read
Why Buy Now, Pay Later (BNPL) Platforms Are Natural CLIP Candidates
BNPL companies do not think of themselves as insurance businesses. But the moment a platform guarantees refunds, absorbs merchant failures, protects consumers from fraud, or promises “no-risk” transactions, it is carrying insurance-style exposure.
Steven Barge-Siever, Esq.
4 days ago3 min read
Why Warranty and Service Contract Companies Are Natural CLIP Insurance Candidates
Warranty and service contract companies carry insurance-like risk through contractual guarantees. Learn why CLIP structures stabilize reserves, reduce balance sheet exposure, and protect capital.
Steven Barge-Siever, Esq.
4 days ago2 min read
CLIP Insurance Explained: Why Warranty, Service Contract, and Protection Programs Get Reclassified as Insurance.
Written by Steven Barge-Siever, Esq. Many warranty, service contract, and “protection” programs believe they are operating outside insurance regulation simply because they avoid calling themselves insurance. That belief is wrong - and increasingly expensive. Across the U.S., regulators are not focused on labels. They are focused on economic reality : who bears risk, who controls funds, and who is legally obligated when things go wrong. When those elements line up, a program
Steven Barge-Siever, Esq.
Dec 12, 20257 min read
Is Your Warranty Actually Considered Insurance?
A 2026 State-by-State Legal Guide for Warranties, Service Contracts, and UDAP Risk This article is for informational purposes only and does not constitute legal advice. Authored by Steven Barge-Siever, Esq. I. The Core Problem: More “Protection Plans” Than Legal Structures Across consumer and commercial markets, companies are layering on: Extended warranties Accidental damage plans Membership “protection” benefits Subscription-based replacement programs Home, appliance, auto
Steven Barge-Siever, Esq.
Dec 11, 202514 min read
CLIPs vs Captives: When to Use Each - and How They Work Together
CLIP vs captive insurance explained. Learn when to use a Contractual Liability Insurance Policy, a captive, or a hybrid CLIP + captive model across industries.
Steven Barge-Siever, Esq.
Sep 7, 20254 min read
The Future of CLIP Insurance: From Retail Credit to AI Contracts
CLIP insurance is moving beyond its retail credit origins and into SaaS and AI contracts. This article explores how Contractual Liability Insurance Policies help companies guarantee outcomes, secure revenue recognition, and transfer risk in the fast-changing digital economy.
Steven Barge-Siever, Esq.
Sep 6, 20254 min read
The Regulatory Landscape for CLIP Insurance: What Every Credit and SaaS Provider Needs to Know
Discover how CLIP insurance is regulated across key states. Learn why guarantees must be insured or reserved and what compliance means for SaaS and AI firms.
Steven Barge-Siever, Esq.
Sep 6, 20254 min read
Tech Insurance for Payments Companies (The 2025 Guide)
Payments platforms face unique risks. Learn how to structure insurance for embedded finance, KYC, API outages, and regulatory liability.
Steven Barge-Siever, Esq.
Jul 31, 20254 min read
Do AI Hallucinations Create Legal Liability? A Tech E&O Insurance Perspective
When AI hallucinates, who’s liable? Learn how insurance - Tech E&O, Cyber, and Media Liability - respond to LLM output errors, and whether you're truly covered.
Steven Barge-Siever, Esq.
Jul 31, 20253 min read
Guide to Insurance for AI Startups (2025)
What insurance do AI startups need? Learn how to protect your board, meet enterprise requirements, and avoid costly E&O and Cyber coverage gaps.
Steven Barge-Siever, Esq.
Jul 31, 20255 min read
CFO Liability in the Modern Era: Real Cases, Rising Risk
CFOs aren’t just managing financials anymore they’re absorbing liability.
High-growth companies often treat insurance like a purchase, not a defense strategy. The CFO is told to “handle it.” The broker is told to “get it done.”
But when projections miss, deals collapse, or funding dries up, it’s the CFO’s name on the dotted line - and increasingly, at the top of the lawsuit.
Fiduciary duty claims are up 233% year-over-year. Fraud-related suits are rising. Indemnification
Steven Barge-Siever, Esq.
Jul 9, 20256 min read
"DoNotPay" - FTC Litigation Against AI Litigation tools.
When the FTC fined DoNotPay for claiming its AI could replace a lawyer, it sent a clear message: AI can process, but it can’t practice. This article unpacks what that means for legal tech, licensed professions, and the insurability of AI tools that cross the line from automation into unlicensed advice.
Steven Barge-Siever, Esq.
Jul 1, 20254 min read
The Hidden Risk When Signing Form ADV: What Every Signatory Should Know
Signing Form ADV is more than a routine compliance step. It creates personal liability exposure for the signatory, even when they are not a CFO or General Counsel.
Steven Barge-Siever, Esq.
Jun 27, 20254 min read
Liability Without Control: How Risk Flows Through the Modern Tech Stack
Downtime Isn’t Always Your Fault - But It’s Always Your Problem. In a world of tech interdependencies, one gap or flaw can sink your company. The same is true for insurance.
Steven Barge-Siever, Esq.
Jun 15, 20254 min read
Builder.ai: When AI Washing, Fraud Leads to Collapse - and D&O Insurance Doesn’t Catch You
Builder.ai’s collapse raises a critical question: will the D&O insurance respond - and for whom? This article breaks down the legal allegations, key exclusions, and what Side A, B, and C really mean when a unicorn implodes. Written by a broker-attorney, it shows how policy structure, severability, and fraud exclusions will shape the outcome - and what brokers should have negotiated before it all went wrong.
Steven Barge-Siever, Esq.
Jun 4, 20257 min read
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