Commercial Protection Built For The Way Trucks Work
Apex Commercial Vehicle Protection powered by Ascent Administration. OEM-inspired coverage engineered to maximize backend dealer profit, protect borrower credit, and keep working trucks running to their millionth mile.
Nationwide Accepted Repairs
Repairs at thousands of locations across the U.S. or in-house fleet shops.
Unlimited Mileage & Hours
No mileage caps or PTO hour restrictions on all contracts.
Commercial-Focused
Apex programs built specifically for the demands of working vehicles.
Who This Is For
We work with:
- Commercial truck dealerships
- Heavy equipment dealers
- Used commercial vehicle dealerships
- Fleet resale & remarketing operations
- Commercial truck upfitters and sales centers
If you are selling commercial units and not maximizing F and I revenue — you are leaving thousands per deal on the table.
The Real Problem in Dealer F and I
Most dealerships struggle with:
- Low F and I penetration rates on commercial inventory
- Retail-focused warranties that reject commercial claims
- Missed backend profit opportunities on cash and finance deals
- Weak customer retention after mechanical breakdown
- No structured menu presentation for business buyers
- Sales teams lacking confidence in commercial protection value
We fix that by building structured F and I profit systems,
not just selling policies.
Turn Every Commercial Sale Into a Profit Center
OEM-caliber vehicle service contracts, $500k commercial GAP, 24/7 nationwide roadside assistance, heavy-duty tire & wheel, and quantum nano-ceramic appearance protection.
Vehicle Service Contracts (VSC)
Factory-like protection. OEM-inspired commercial coverage built for the demands of hard-working trucks.
Apex Commercial Vehicle Protection Specs:
- Eligibility: New or Used vehicles up to 20 years old & 500,000 miles
- Mileage & Engine Hours: Unlimited Mileage & Unlimited Engine Hours on ALL contracts
- Zero Dollar Deductible: Zero-deductible options available on all programs
- Self-Servicing Fleets: Fleets that do their own service can continue to do their own service work
Apex Commercial GAP Protection
Protect your customers' finances, credit, and business. If a commercial vehicle is declared a total loss or unrecovered theft, Commercial GAP bridges the shortfall between the insurance settlement and the loan/lease payoff.
24/7/365 Emergency Roadside Services
Every Vehicle Service Contract includes round-the-clock emergency roadside dispatch across North America. When breakdowns happen on the interstate or job site, your drivers get immediate help with one phone call.
Emergency Fluid Delivery
Immediate delivery of fuel, oil, water, or transmission fluid if stranded on route.
Flat Tire Assistance
On-site commercial tire change with the vehicle's inflated spare tire, keeping drivers moving.
Dead Battery Jump-Start
Commercial booster and jump-start service for dead batteries to restart route delivery.
Lockout Service
Fast professional assistance if commercial cab or ignition keys are lost, broken, or locked inside.
Towing Service
Towing of covered commercial vehicle directly to the nearest authorized repair facility.
Rental Vehicle Reimbursement
Substitute commercial or passenger rental transportation while covered repairs are being completed.
Trip Interruption Protection
Reimbursement for lodging and meals if breakdown occurs over 100 miles from the primary terminal.
Nationwide 24/7 Hotline
Direct toll-free access printed right on your customer's membership card for zero-hesitation roadside help anywhere in the U.S. & Canada.
Any Commercial Vehicle Qualifies
New or used commercial vehicles up to 20 years old & half a million miles (500k). Unlimited mileage and engine hours on all contracts.
Apex Foundation (Base) vs. Summit (Comprehensive)
Foundation covers critical internally-lubricated powertrain components. Summit covers all of your vehicle's original factory-equipped mechanical and electrical parts.
| Covered Component Group | FOUNDATION Base Powertrain | SUMMIT Best / All OEM Components |
|---|---|---|
| Engine (Block, Cylinder Heads, Internal Lubricated Parts, Timing, Oil Pump, Manifolds) | ||
| Engine Cooling (Water Pump & Housing, Fan Clutch, Radiator, Thermostat, Recovery Tank) | ||
| Automatic & Manual Transmission (Case, Torque Converter, Valve Body, Gears, Solenoids) | ||
| Drive Axles (Front / Rear Wheel Drive Assemblies, Axle Shafts, Bearings, U-Joints) | ||
| 4WD / AWD Transfer Case & Power Transfer Unit (Gears, Hubs, Shift Mode Motor) | ||
| Fluids & Seals / Gaskets (Covered in conjunction with eligible covered repair) | ||
| Factory Turbocharger / Supercharger & Intercooler | ||
| Air Conditioning & HVAC Systems (Compressor, Condenser, Evaporator Core) | — | |
| Brakes & Anti-Lock Brake System (ABS Modules, Master Cylinder, Boosters) | — | |
| Steering Assemblies (Gear Box, Power Steering Pump, Rack & Pinion) | — | |
| Suspension (Control Arms, Ball Joints, King Pins, Spindles, Bushings) | — | |
| Electrical Systems, Sensors & Commercial Displays (Instrument cluster, switches) | — | |
| ALL OEM Factory-Equipped Mechanical & Electrical Components (Except exclusions) | — |
Unrivaled, Industry-Leading Surcharges
Available as add-ons on both Foundation and Summit coverage levels to tailor protection for extreme commercial duty cycles:
Up to $500/day (maximum 10 days) when vehicle is out of service for covered repairs so fleets stay cash-flow positive.
Reimbursement up to $250/day (maximum 10 days) to keep drivers operating in a replacement unit.
Coverage extended to belts, hoses, seals, and gaskets to eliminate out-of-pocket nickel-and-dime charges.
Coverage extended to commercial friction pads and heavy-duty brake rotors.
Summit-level coverage extended to commercial hydraulic cylinders, pumps, hoses, and PTO valves.
Summit-level coverage extended directly to the auxiliary refrigeration unit compressor and condenser.
Summit-level mechanical and electrical coverage extended to auxiliary cab power units for sleepers.
Summit-level coverage extended to any trailer being towed by the covered power unit.
Backup camera, Bluetooth connectivity, keyless transmitters, collision warning, cruise sensors & gauge clusters.
Catalytic converter, muffler, exhaust pipes, smog pumps, EVAP canisters, spark plug boots & high-voltage hybrid drive batteries.
Guarantees VSC coverage remains 100% valid on commercial work trucks equipped with up to 6" body/suspension lifts.
An Uncomplicated Claims Procedure
Getting commercial drivers back to work fast without delays or bureaucratic red tape.
Take vehicle to authorized service center or fleet shop.
Provide basic vehicle maintenance records if requested.
Service center builds itemized parts and labor estimate.
Service center calls (866) 660-7003 for fast pre-authorization.
Submit final repair order directly to Ascent Administration.
Customer pays only deductible; Ascent pays shop directly.
Apex Commercial Tire & Wheel
Protection for the hardest working part of your commercial vehicle
Punctures, bruises, impacts, and road hazard failures disrupt routes and kill profit. Apex covers repair and replacement up to your millionth mile.
- Punctures, bruises, impacts & road hazards
- Trailer Surcharge Available: Extends full coverage to any trailer being towed
- Zero hassle reimbursement keeps trucks on schedule
GPS Asset & Theft Protection
Law Enforcement Tracking & Rapid Asset Recovery
State-of-the-art cellular and GPS hardware empowering dealers, fleets, and law enforcement to track, locate, and recover stolen commercial assets instantly.
- Real-time GPS tracking & speed monitoring
- Recovery assistance guarantee
- High backend penetration product for finance menus
Apex Commercial Appearance Protection
Exterior Quantum® Nano-Ceramic & Interior Stain Shield
Quantum® Ceramic Coating & protectants engineered for commercial trucks up to the millionth mile.
- Quantum® Nano-Ceramic Covalent Bond
- Hydrophobic gloss & stain barrier
- Preserves commercial resale value
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
No Cap on Markup. The Strongest Incentives in the Industry.
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 direct cash incentives to your F&I Manager and sales personnel per product sold, keeping your team highly motivated to sell.
Vehicle Service Contracts
Commercial GAP
Tire & Wheel Protection
Theft Protection
Appearance Protection
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 Apex Dealer F&I protection programs.
What We Help Dealers Achieve
Matt Nelson
Founder, TrueGuard Insurance. Licensed professional specializing in commercial trucking, construction equipment, and dealer programs across multiple states.
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We do not just provide products. We help build F and I revenue systems that scale with your dealership.
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