Commercial Protection Built For The Way Trucks Work
OEM-inspired protection solutions engineered to maximize uptime, reduce risk, and protect your business at every mile. Turn every unit sold into more profit per deal.
Nationwide Accepted Repairs
Repairs at thousands of locations across the U.S.
Unlimited Mileage Options
Choose the coverage that works for your customers.
Commercial-Focused
Solutions built specifically for the demands of your business.
Who This Is For
We work with:
- Truck dealerships
- Heavy equipment dealers
- Used vehicle dealerships
- Fleet resale operations
- Commercial truck sales centers
If you are selling units and not maximizing F and I revenue - you are leaving money on the table.
The Real Problem in Dealer F and I
Most dealerships struggle with:
- Low F and I penetration rates
- Inconsistent product menus
- Missed backend profit opportunities
- Weak customer retention after sale
- No structured protection product strategy
- Sales teams not trained on value selling
We fix that by building structured F and I profit systems,
not just product lists.
Complete Dealer F and I Product Stack
This is a profit acceleration system, not insurance products.
Vehicle Service Contracts (VSC)
Factory-like protection. OEM-inspired commercial coverage built for the demands of hard-working trucks.
Eligible for New/Used Vehicles (up to 20 years old & 1,000,000 miles). Zero deductible options available.
Commercial GAP
Protect your customers from unexpected financial loss after a total loss or unrecovered theft.
VSC Coverage Levels
Compare our essential powertrain protection against our most comprehensive plan.
| Component Group | Foundation Essential Powertrain | Summit Comprehensive Protection |
|---|---|---|
| Engine Components (Internally Lubricated) | ||
| Transmission (Manual & Automatic) | ||
| Drive Axle Assembly | ||
| Turbocharger / Supercharger | ||
| Fuel Injectors & Water Pump | ||
| Aftertreatment & Emissions Systems | — | |
| Engine Electronics & Sensors | — | |
| HVAC & Cooling System | — | |
| Steering & Suspension | — | |
| Advanced Technology & Displays | — |
Tire & Wheel Protection
Covers tire replacement, wheel repairs and mounting, balancing & more to keep trucks rolling.
- Blowout protection
- Road hazard coverage
Theft Protection
State-of-the-art asset protection allowing law enforcement to locate and track stolen vehicles.
- Real-time GPS tracking
- Geofencing alerts & recovery assistance
- No monthly fees
Appearance Protection
Protects investment with interior/exterior coverage to help preserve resale value.
- Stain prevention
- Exterior paint protection
- Interior surface coverage
Speed to Fund™ Program
Eliminate insurance delays and accelerate funding with short-term physical damage coverage.
- 10-Day and 30-Day coverage options
- No applications, no underwriting delays
Understanding Your Programs
Vehicle Service Contracts (VSC) vs. Manufacturer Warranty
Help your customers understand the difference between factory coverage and extended protection.
Vehicle Service Contract (VSC)
An optional protection plan purchased by the buyer to cover repair costs after the manufacturer's warranty expires, or to cover components not included in the original warranty.
- Extends coverage beyond factory limits
- Customizable terms and mileage limits
- Highly profitable F&I product for dealers
Manufacturer Warranty
The original guarantee provided by the truck manufacturer, covering defects in materials and workmanship for a specific time or mileage limit.
- Included in the purchase price of a new truck
- Strict time and mileage limitations
- Typically does not cover wear-and-tear items
Dealer Opportunity
Industry-Leading Incentives
Keep 100% of Your Markup. We Pay Your Team Directly.
There is absolutely NO CAP on dealer markup. You keep 100% of the profit you build into the deal. On top of that, we pay the incentives below directly to your F&I Manager and frontline staff, keeping them highly motivated to sell.
Vehicle Service Contracts
Commercial GAP
Tire & Wheel Protection
Theft Protection
Appearance Protection
Speed to Fund™ Program
Powerful Dealer Portal
F&I Profitability Calculator
See how much revenue you could be leaving on the table without an optimized F&I program.
Your Revenue Potential
Current Annual F&I Revenue
$144,000
Projected Annual Revenue (With TrueGuard)
$216,000
Frequently Asked Questions
Common questions about our Dealer F&I protection programs.
What We Help Dealers Achieve
About the Author: Matt Nelson
Matt Nelson is the Founder of TrueGuard Insurance and a licensed insurance professional with over 15 years of experience in commercial trucking and equipment finance and insurance. He specializes in structuring risk management programs for personal lines, commercial operations, trucking, construction equipment, and dealer programs.
As a dedicated advocate for his clients, Matt is committed to upholding the highest industry standards of ethics and transparency, aligning with the principles of respected industry bodies like the National Association of Insurance Commissioners (NAIC). He helps individuals and businesses across multiple states make informed, strategic insurance decisions.
More Dealer Resources
Learn more about protecting your dealership and increasing backend profit.
Dealer Floorplan Insurance
Protect your inventory from weather, theft, and collision with our specialized open lot coverage.
Dealer F&I Learning Center
Explore our comprehensive guides on Commercial GAP, VSC, and speed to fund strategies.
Equipment Rental Protection
Learn how to protect your rental fleet and limit liability when renting out equipment.
Why Dealers Work With TrueGuard
We do not just provide products. We help build F and I revenue systems that scale with your dealership.
