Policies Module

The Policies module in Umbrella is where you can view and manage individual protection plans after they’ve been sold. Every warranty, protection plan, or shipping protection purchase becomes a policy, and each policy record gives you full visibility into the plan’s details, the customer’s coverage, and all related claims.

This is the most granular level of the platform — a single source of truth for each unit of protection sold.

Accessing Policies

From the Umbrella sidebar, click Policies.
You’ll see a searchable table of all protection policies issued across your store, with the following columns:

• Customer Name & Email
• Status (Eligible, Claimed, Expired, Denied, etc.)
• Plan Name
• Cost and Value
• Order Number & Date
• Expiration Date
• Quick access to View

You can filter by status, plan type, expiration, customer, or claim activity to quickly find what you're looking for.

Inside a Policy Record

Clicking on any policy opens a full policy detail view, which includes:

1. Policy Summary (Top Section)

• Plan Name (e.g., RideSafe Protection Plan)
• Plan Type (e.g., Extended Warranty, Shipping Protection)
• Price Paid (by the customer)
• Term Length (e.g., 2 Years)
• Expiration Date
• Status (Eligible, Claimed, Expired, etc.)

This gives you instant clarity on what coverage the customer bought and when it ends.

2. Product Information

Directly below the policy, you’ll see the product the plan is linked to:

• Product Name
• Image
• SKU / UPC
• Retail Price
• Cost (if supplied by you)
• Links to:
  • View on Umbrella
  • View on Shopify
  • View Live (Product page on your site)

This confirms which product the plan is protecting — important for validation, fraud protection, or order lookups.

3. Claim Activity

This section shows:

• If any claims have been filed under this policy
• Claim Status: Pending, Approved, Denied, Closed
• Claim ID and submission date
• Button to View Claim for full resolution details

If no claims exist, you’ll see a File a Claim button (available for staff or customer-initiated actions depending on settings).

4. Policy Source (Right Sidebar)

Details about the original order:

• Order ID with a direct link to Shopify
• Subtotal, Shipping, Discounts, and Total Paid
• Shipping and Billing Address
• Customer Info: name, email, and phone

This makes it easy to verify the original transaction, cross-reference the Shopify order, and resolve issues without switching tools.

Policy Statuses

Umbrella tracks every policy’s lifecycle and updates the status automatically based on plan terms and usage:

• Eligible – Active, in-term, and unused
• Claimed – One or more claims have been approved
• Pending – A claim has been filed and is under review
• Denied – The latest claim was rejected
• Expired – Term ended and no claims were made
• Canceled – Manually voided or refunded

These statuses help your CX and ops teams respond quickly without needing to open the full plan.

Actions Available

From each policy record, you can:

• File a new claim
• View claim timeline
• Manually expire or deny a policy (admin only)
• Track financial outcomes (cost vs. payout)
• Jump to the original order or customer profile

Best Practices

• Use Filters on the Policies index to find high-value policies that are approaching expiration (great for marketing)
• Use this view to support customer inquiries like “Did I buy the warranty?” or “Am I still covered?”
• Investigate suspicious claims by cross-checking the product cost and order history in one place
• Combine policy and claim data for LTV modeling across product categories or protection types

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