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.

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.

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.

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.

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.

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.

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.

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