Commercial Protection For Dealerships in Clemmons
Apex Commercial Vehicle Protection powered by Ascent Administration. Built for Class 3–8 commercial trucks, severe duty cycles, and dealership service bay retention.
TWO UNCOMPLICATED LEVELS OF COVERAGE
Commercial Diesel Powertrain & Electrical Protection
Engine, Turbo, Transmission, Drive Axles, Aftertreatment & All Factory Equipment
FOUNDATION VSC
- Engine: Block, heads & all internal parts
- Transmission: Auto & manual, torque converter
- Drive Axles: Front & rear wheel drive assemblies
- Turbo / Supercharger: Factory installed units
SUMMIT VSC
- ALL OEM Components: Mechanical & electrical
- Full HVAC / AC: Compressor, condenser, evaporator
- Brakes & Steering: ABS modules, gear box, pumps
- Everything in Foundation plus suspension & sensors
100-Mile Dealer Return Guarantee — Keeps Your Service Bays Full
Repairs within 100 miles must return to your shop. Outside 100 miles, any commercial center is authorized with pre-approval.
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 at enrollment
- Mileage & Engine Hours: Unlimited Mileage & Unlimited Engine Hours on ALL contracts
- Aggregate Liability Limits: Light Duty: up to $100k • Medium Duty: up to $150k • Heavy Duty: up to $200k (based on vehicle selling price)
- Service Retention: Breakdowns within 100 miles must return to the selling dealer, keeping your service bays full
- A-Rated Underwriting: Backed by Old Republic Insurance Company contractual liability policy
- Deductible Options: $0 or $1,000 deductible options
- 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.
Towing Coverage ($400 Benefit)
Up to $400 of covered commercial towing directly to the nearest authorized repair facility per occurrence.
Flat Tire Assistance ($250 Benefit)
On-site installation of inflated spare tire. Up to $250 benefit per occurrence to get your truck rolling.
Trip Interruption ($450 Max Reimbursement)
Reimburses up to $150/day (up to $450 total / 3 days) for meals and lodging when breakdown occurs 100+ miles from home.
Rental Benefits ($450 Max Reimbursement)
Reimburses up to $75/day (up to $450 total) when repairs require 6+ hours Mitchell's ProDemand labor guide time.
Emergency Fluid Delivery
On-site delivery of gasoline, water, oil, or any supplies necessary to send your commercial vehicle on its way.
Dead Battery Jump-Start
Commercial booster jumpstart service to revive dead batteries and eliminate route delivery delays.
Lockout Service
Professional locksmith dispatched if keys are lost, broken, or accidentally locked in the passenger compartment.
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) | — |
Everything In Foundation, PLUS All Original OEM Parts
Covers ALL of your vehicle's original factory-equipped mechanical and electrical parts, subject only to contract exclusions. If an OEM component isn't specifically excluded in subsections (a) through (e), it is covered.
Why Dealers Value Exclusionary Clarity
Under Summit, any OEM mechanical or electrical part that is NOT explicitly named in subsections (a) through (e) is covered.
Summit covers ALL factory-equipped mechanical and electrical parts, except the 5 specific category exclusions below:
a. Under the Hood
Standard wear items (clutch friction disc, pressure plate, throwout bearing, batteries) & high-mileage seals over 125k (unless Wearables surcharge selected).
b. Under the Vehicle
Exhaust pipes, mufflers, catalytic converters, brake rotors/drums, frame, tires/wheels (tires/wheels covered via Tire & Wheel plan).
c. Vehicle Exterior
Glass, windshields, mirrors, body panels, trim, paint, bumpers, weather stripping, and exterior lighting assemblies.
d. Vehicle Interior
Airbags/restraints, interior mirrors, seat upholstery, headliner, and carpeting.
e. Cockpit Tech & Maintenance
Radios, screens, navigation, cameras, sensors (covered via Tech Surcharge add-on); routine wear parts like spark plugs, wiper blades, fluids, and alignments.
Unrivaled, Industry-Leading Surcharges
Available as add-ons on both Foundation and Summit coverage levels to tailor protection for extreme commercial duty cycles:
Reimbursement up to $500/day (min. 4 labor hours) for a maximum of 10 days ($5,000 max benefit per occurrence) when vehicle is out of service. Subject to max 3 occurrences/year.
Reimbursement up to $250/day for a maximum of 10 days ($2,500 max per occurrence) for substitute transportation (min. 4 labor hours). Max 3 occurrences/year.
Coverage extended to belts, hoses, seals & gaskets (including leakage & seepage), and exhaust manifold gaskets.
Extends to replacement brake pads and rotors using OEM or like-kind parts, up to one (1) time per position per 100k miles.
Summit-level coverage extended to hydraulic cylinders/rams, pumps, hoses, controls, rebuild kits, and associated new fluids (leakage covered). Max 3 occurrences/year.
Summit-level coverage extended to all original refrigeration components and associated power source/engine (seals, gaskets & fluids included for leakage). Max 3 occurrences/year.
Summit-level coverage for APU pistons, rings, wrist pins, connecting rods, bearings, crankshaft/camshaft, cylinder head, valves, oil pump, exhaust manifold, injectors, water pump & seals/gaskets. Max 3 occurrences/year.
Summit-level coverage extended to any trailer being pulled by the vehicle: air brakes & ABS, trailer suspension, and original factory electrical/mechanical parts. Max 3 occurrences/year.
Factory head unit & display, LCD screen, DVD/Blu-ray, GPS/navigation, rearview backup camera, Bluetooth systems, alarm, keyless transmitter/receiver, collision detection, self-park, TPMS, adaptive cruise & cluster gauges.
Spark plug wires/coils, vapor & emission canisters, positive crankcase ventilation (PCV) valve, distributor cap/rotor, gas cap, smog pumps, catalytic converter, muffler, exhaust pipes & high-voltage hybrid drive batteries.
Coverage provided for commercial work trucks equipped with body and suspension lift kits up to 6".
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.
Built to Protect Dealership Service Revenue & Policyholders
Apex contracts feature key provisions designed to keep commercial customers returning to your bays, backed by top-tier contractual liability underwriting.
Under contract section VI(b), if the customer's vehicle is within 100 miles of the selling dealer, they are required to deliver the vehicle back to your service center for covered repairs. Keeps warranty revenue in your shop.
Maximum aggregate liability based on vehicle selling price or tier limits:
- • Light Duty (Class A & B): Up to $100,000
- • Medium Duty (Class C & D): Up to $150,000
- • Heavy Duty (Class E & F): Up to $200,000
All performance obligations of the Obligor are insured under a contractual liability insurance policy issued by Old Republic Insurance Company (P.O. Box 35008, Tulsa, OK). Unmatched institutional stability.
Beyond the VSC: Profit-Driving Add-Ons
Three additional F&I products engineered for commercial trucks — each designed to boost backend penetration, protect your customer's investment, and keep revenue in your dealership.
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 — including re-treads.
What's Covered
Commercial tires are the #1 unscheduled maintenance expense for fleet owners. Zero-hassle reimbursement keeps trucks on schedule — making this an easy, high-margin add-on your customers immediately understand.
How It Works
Commercial truck theft is a multi-billion-dollar problem. GPS Asset & Theft Protection gives buyers peace of mind and delivers one of the strongest backend margins on your F&I menu — with a one-time install and no recurring fees to the customer.
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.
Apex Commercial Appearance Protection
Exterior Quantum® Nano-Ceramic & Interior Stain Shield
Quantum® Ceramic Coating & protectants engineered for commercial trucks up to the millionth mile — preserving gloss, finish, and resale value.
Exterior & Interior Coverage
A covalent nano-ceramic bond creates a hydrophobic gloss & stain barrier that outlasts traditional waxes — protecting the commercial resale value of every unit you sell, long after it leaves your lot.
Add These Products to Your F&I Menu
Request the complete dealer program kit — including pricing, penetration benchmarks, and a sample finance menu featuring all three ancillary products.
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.
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 Floorplan Insurance Guide
Learn how floorplan and open lot coverage protects your dealership inventory.
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.
Sign Up Your Dealership In Minutes
Get the complete Apex Commercial F&I program kit — pricing, penetration benchmarks, and a sample finance menu featuring every product above. No obligation.
- No-Cap Dealer MarkupKeep 100% of the profit you build into every deal.
- Direct Cash IncentivesPaid straight to your F&I Manager and sales team per unit.
- White-Glove OnboardingFast implementation, dealer portal access, and live support.
Get Started Below
Tell us about your dealership and what you're looking to accomplish.