GWC Warranty

What GWC Warranty does

GWC Warranty Corporation is a US vehicle service contract (VSC) administrator founded in 1995 and headquartered in Norcross, Georgia, with an operational presence in Wilkes-Barre, Pennsylvania. The company designs and distributes extended warranty products for used and high-mileage vehicles through four coverage tiers (Exclusionary, Comprehensive, Essential, and Powertrain Plus), with all contracts backed by American Bankers Insurance Company, an Assurant Solutions carrier rated A (Excellent) by A.M. Best. Its product portfolio also includes Guaranteed Asset Protection (GAP) coverage, a Certified Pre-Owned Program backed by NIADA, and an integrated suite of dealer-facing and lender-facing services.

GWC distributes exclusively through authorized dealerships, with a network exceeding 7,000 dealers nationwide and approximately 4,000 active users on its web-based Dealer Portal, supplemented by a parallel agent channel and a Lender Network of 40+ finance partners serving the subprime segment. The technology stack centers on the Dealer Portal (contract management, claims processing, sales integration), a self-service driver toolset (coverage lookup, how-to content, claim filing), and GWC University, an on-demand training and certification platform. The company has protected over 11 million drivers and paid over $4.5 billion in claims since founding.

GWC is a wholly-owned subsidiary of APCO Holdings, LLC, alongside sister brands EasyCare, MemberCare, and Motor Trend Certified. APCO acquired National Auto Care in January 2023, and GWC's revenue model is primarily recurring: GWC earns underwriting margin and administrative fees on each contract, while dealers participate in profit-sharing programs that allow them to earn up to 100% of underwriting profit on an as-earned basis. GWC carries an A+ Better Business Bureau rating (since 2003), a Motor Trend Recommended Best Buy designation for independent dealers, and repeated industry recognition including the Subprime 175 and Auto Remarketing Power 300/AR500 lists.

Name

GWC Warranty

Legal name

GWC Warranty Corporation

Website

https://gwcwarranty.com

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

51–100 employees

Short description

GWC Warranty Corporation, founded 1995 and headquartered in Norcross, Georgia, is a US vehicle service contract administrator that distributes extended warranties and GAP products for used and high-mileage vehicles exclusively through a network of over 7,000 authorized dealerships, 40+ lender partners, and automotive agents nationwide.

Ownership category

akta.pro rank

Product category

Vehicle Service Contracts (Automotive F&I / Extended Warranties)

NAICS

Other Direct Insurance (except Life, Health, and Medical) Carriers (524128), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Property and Casualty Insurance Carriers (524126)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Dealer-Sold & F&I Administered Service Contracts (Dealer Obligors) (FSAJALAD)

akta.pro secondary industries

GAP & Vehicle Protection Products (GAP Waiver/Insurance, Lease/Loan Protection) (FSAJALAC), Powertrain & Component-Specific Vehicle Warranty Programs (FSAJALAK), Vehicle Protection & Add-on Product Financing (Warranties, GAP, Service Plans) (FSAKADAL), OEM/Captive Warranty & Service Contract Programs (FSAJALAE), Warranty & Service Contract / Mechanical Breakdown Insurance (FSAJAMAM)

Keywords

• Vehicle service contracts
• Extended auto warranties
• Automotive F&I products
• Guaranteed asset protection
• Certified pre-owned programs

Headquarters

HQ city

Wilkes Barre

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Vehicle Service Contracts: GWC Warranty generates revenue through the sale of vehicle service contracts (extended warranties) distributed exclusively through authorized dealerships. Dealers pay for contracts that are then sold to end consumers (drivers). The company pays claims from these premiums and retains underwriting profits. Dealers can earn up to 100% of underwriting profits from their vehicle service contracts on an as-earned basis through participation programs.
2. Guaranteed Asset Protection (GAP): GWC Warranty offers guaranteed asset protection products to protect against vehicle loan deficiencies, providing coverage when a vehicle is totaled or stolen.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

GWC Warranty designs, underwrites, and administers vehicle service contracts (extended warranties) — including Exclusionary, Comprehensive, Essential, and Powertrain Plus coverage tiers — sold exclusively through a network of 7,000+ U.S. authorized dealerships, alongside Guaranteed Asset Protection (GAP), Certified Pre-Owned programs, and lender portfolio protection services. The company pays mechanical claims from premiums, retains underwriting profit, and shares up to 100% of underwriting profits with dealers via participation programs.

Product overview

GWC Warranty is a best-in-class used vehicle service contract provider offering a comprehensive portfolio of F&I products and dealer solutions. The core product portfolio centers on vehicle protection plans available in two primary coverage types: Exclusionary Coverage (comprehensive protection rivaling manufacturer warranties) and Stated Component Coverage (coverage for explicitly listed parts). These are offered through New Vehicle and Used Vehicle Protection Plans. The company provides an integrated dealer ecosystem including a Dealer Portal platform, Profit Programs, Lender Network with 40+ finance partners, Certified Pre-Owned Program, and GWC University training (F&I Impact Training, AFIP Certification, Learning Center, Compliance Training, Fixed Ops Training). For lenders, GWC offers portfolio protection, dealer relationship strengthening, and revenue generation services. All products are backed by APCO Holdings, LLC and include a best-in-class claims experience with over $4.5 billion in claims paid to date.

Differentiator

Problem solved

Functional benefit

Brands

• EasyCare: Sister company under APCO Holdings providing leading-edge benefits that help dealers deliver an outstanding ownership experience to drivers.
• MemberCare
• Motor Trend Certified

Products and services

• Exclusionary Coverage Vehicle Service Contract
• Stated Component (Comprehensive) Coverage Vehicle Service Contract
• New Vehicle Protection Plans
• Used Vehicle Protection Plans
• Guaranteed Asset Protection (GAP)
• GWC Certified Pre-Owned Program
• Lender Network Program
• Dealer Profit Participation Programs
• GWC University Training & Certification
• Lender Portfolio Protection Program
• Lender Dealer Relationship Services
• Lender Incremental Revenue Program

Named customers11 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Agora Data, Inc.coreStrategic or Co-development Partner · 16 June 2026Strategic partnership to provide used-car dealers with vehicle service contracts and guaranteed asset protection products through the AgoraCapital platform. Integration aims to help dealers optimize sales, protect backend profitability, and improve the vehicle ownership experience for consumers. Partnership expected to be available to dealers in Q3 2026.
• 40+ Lender PartnerscoreChannel Partner/ Reseller/ DistributorGWC Warranty has one of the largest networks of trusted finance companies serving the subprime market. The network is committed to getting drivers behind the wheel, keeping them on the road, and providing dealers additional opportunities to sell more vehicles.
• APCO Holdings, LLC (Parent Company)coreOthersGWC Warranty is part of APCO Holdings, LLC, along with sister-company EasyCare and MemberCare brands. APCO has served over 11 million customers and paid over $3.5 billion in claims. GWC, EasyCare, and MemberCare are the only MotorTrend Recommended Best Buy brands in the automotive aftermarket.
• NIADA (National Independent Automobile Dealers Association)minorStrategic or Co-development PartnerGWC Warranty is an NIADA National Corporate Partner. The Certified Pre-Owned Program is backed by NIADA, blending reliable protection and robust training and marketing program.
• American Bankers Insurance Company (Assurant Solutions)coreOthersAll GWC products are backed by American Bankers Insurance Company, an Assurant Solutions Company rated A (Excellent) by A.M. Best. Provides insurance backing for warranty products.
• Motor TrendminorOthersMotor Trend designated GWC Warranty as a Recommended Best Buy for Independent Dealers. The only automotive aftermarket brands to receive this designation.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• EasyCare: Sister F&I and vehicle service contract brand under APCO Holdings; nearly identical dealer-distributed VSC/GAP model targeting auto dealers.
• Endurance Warranty: Major vehicle service contract provider covering used and high-mileage vehicles, directly overlapping GWC's core mechanical breakdown coverage.
• CarShield: Large vehicle service contract marketer/administrator for used vehicles, competing in the same VSC category though more direct-to-consumer.
• CARCHEX: Extended auto warranty and VSC provider for used vehicles, offering comparable tiered mechanical breakdown coverage.
• JM&A Group: F&I products and vehicle service contract provider distributing through dealerships, a close analog to GWC's dealer-channel model.
• CNA National Warranty: Dealer-focused vehicle service contract and F&I product administrator competing directly in the same channel and product set.
• American Auto Shield: Administrator of vehicle service contracts for used and high-mileage vehicles, overlapping GWC's coverage and claims model.
• Portfolio (F&I product provider): Provider of F&I products and reinsurance-backed vehicle service contracts to dealers, mirroring GWC's dealer profit-participation approach.

Broad incumbents

• Zurich North America (F&I): Large insurer with a major dealer F&I and vehicle service contract business, overlapping GWC but as part of a broad insurance portfolio.
• Assurant: Global specialty insurer that backs and administers vehicle protection products (and insures GWC's contracts); overlaps in VSC underwriting at greater scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/gwc-warranty
• Xx.com/gwcwarranty
• Facebookfacebook.com/gwcwarranty

Compliance9 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about GWC Warranty