In the United States, regulation of the indemnity industry is highly Balkanized, with greatest responsibility assumed by individual state insurance departments. Whereas health plan markets have become intramural nationally and internationally, state warranty commissioners operate individually, though at times in concert through a national indemnity commissioners' organization

Many indemnity executives are opposed to patenting warranty products because it creates a dewy risk for them. The Hartford cover company, for example, recently had to pay $80 million to an independent inventor, Bancorp Services, in cast to settle a patent infringement and theft of Health Insurance trade secret lawsuit for a type of corporate owned life insurance product invented and patented by Bancorp.