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Insurance Market Insights
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
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
Fintech Insurance Gets a Tailwind: What the CFPB’s Retreat Means for D&O and Tech E&O Buyers
The CFPB’s retreat in 2025 is lowering fintech insurance risk - creating broader D&O and Tech E&O coverage at better prices for CFOs and GCs.
Steven Barge-Siever, Esq.
May 31, 20253 min read
Board Liability in the Age of AI: A 2025 Guide to AI D&O Insurance
Board Liability in the Age of AI: A 2025 Guide to AI D&O Insurance. As artificial intelligence transforms how companies build, operate, and compete - one thing hasn’t changed: boards are still responsible when things go wrong.
Steven Barge-Siever, Esq.
May 24, 20254 min read
Series A Fintech Insurance Playbook
What Fintech Startups Get Wrong About Series A Insurance (And How to Fix It) When fintech startups hit Series A, everything changes -...
Steven Barge-Siever, Esq.
May 23, 20252 min read
AI Washing: The Dirty Truth of AI Litigation
AI washing - it’s a legal and underwriting risk. As early-stage companies face lawsuits and SEC actions for misrepresenting AI capabilities, underwriters are adjusting how they evaluate “AI-first” risks. This article breaks down real enforcement cases, the line between puffery and fraud, and why insurance may not respond when the AI claim was never real.
Steven Barge-Siever, Esq.
May 21, 20256 min read
Interview with A Vampire: AI Litigation Example / Strategy from a Plaintiff Attorney
Learn how plaintiff attorneys are building cases against AI and fintech startups - and how founders can protect themselves from AI litigation with insurance.
Steven Barge-Siever, Esq.
May 17, 20256 min read
AllDigital Nonrenews California Risks
If you’re a tech company with fewer than 250 employees, there’s a good chance AllDigital is on your insurance program.
And if you’re in California, they probably will not be next year.
Steven Barge-Siever, Esq.
May 9, 20254 min read
Startup Equity & Securities Claims
When startups offer equity as compensation, they are entering securities territory. As valuations rise, and especially when companies face downturns, misrepresentation claims tied to employee equity are emerging as a high-risk litigation trend.
Steven Barge-Siever, Esq.
Apr 12, 20253 min read
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