Start with the risk
Each product should answer a distinct customer need instead of being presented as a generic bundle.
Commercial F&I product center
Compare protection products for commercial vehicle customers.
Compare commercial vehicle service contracts, GAP, tire and wheel, key replacement, maintenance, and vocational equipment protection.
Request a Commercial F&I Product Review →Commercial F&I bridge
Commercial F&I products solve different problems. A useful product menu starts by separating mechanical breakdown, total-loss balance exposure, road hazards, lost keys, scheduled maintenance, and vocational equipment—then matching each need only to an eligible product and transaction.
Program focus
- Commercial vehicle service contracts
- Commercial GAP where eligible
- Tire and wheel protection
- Key replacement programs
- Prepaid maintenance where available
- Vocational equipment protection
What matters
A program should fit the operation—not just the vehicle.
Verify commercial use
Consumer product eligibility should never be assumed for a business-use vehicle, upfit, fleet application, or medium-duty unit.
Use the contract
The actual agreement controls eligibility, covered events, benefits, exclusions, limits, cancellation, claims, and refunds.
Understand what each product is designed to do.
| Product | Designed to address | Not a substitute for |
|---|---|---|
| Vehicle service contract | Eligible repair expense after a covered mechanical breakdown | Commercial auto insurance or routine maintenance |
| Commercial GAP | An eligible balance difference after a covered total loss and primary insurance settlement | Primary physical-damage insurance |
| Tire and wheel | Eligible tire or wheel damage caused by defined road hazards | Mechanical breakdown coverage or collision insurance |
| Key replacement | Eligible lost, stolen, or damaged keys, remotes, and related benefits | Vehicle theft coverage or every locksmith expense |
| Prepaid maintenance | Defined scheduled services during the selected term | Mechanical breakdown protection or all wear items |
| Vocational equipment protection | Defined eligible PTO, hydraulic, lift, refrigeration, or work-equipment components | Base-chassis coverage or equipment insurance |
Dealer review checklist
- Document the customer’s vehicle, use, lender, ownership plan, annual mileage, upfits, and operating risks.
- Confirm which products are permitted for the state, transaction, vehicle class, and commercial application.
- Present coverage and exclusions separately, provide the controlling agreement, and retain required enrollment records.
Frequently asked questions
Which commercial F&I product should be presented first?
There is no universal order. Start with the customer’s actual risks and the vehicle’s eligibility. Explain each product separately so the customer can make an informed decision.
Can commercial products be bundled?
Programs may permit multiple products in one transaction, but each agreement remains separate and has its own eligibility, price, benefits, exclusions, cancellation terms, and claims process.
Are consumer F&I products valid for commercial vehicles?
Not automatically. Commercial use, vehicle class, mileage, upfits, business application, ownership, and state requirements may change or eliminate eligibility.
Every product has its own controlling agreement.
Product availability, eligibility, benefits, terms, limits, deductibles, maintenance requirements, claims procedures, cancellations, refunds, and exclusions vary by program, vehicle, transaction, use, provider, and state. No product is insurance unless expressly issued as an insurance product. Review each signed agreement before enrollment.
Start the conversation
Build a commercial product shelf around your inventory.
Share your commercial vehicle mix, monthly volume, customer profile, lenders, and current products. We will help identify program-fit and implementation questions.