What EasyCare (APCO) does

EasyCare (APCO Holdings LLC) is a US-based automotive Finance & Insurance (F&I) products administrator and dealer solutions platform serving automotive, RV, marine, and powersports dealerships across the United States and Canada. The company distributes a full suite of protection products — Vehicle Service Contracts (VSC), GAP coverage, appearance protection, key replacement, tire & wheel/road hazard, windshield, theft deterrent, paintless dent repair, limited warranty, and prepaid maintenance — alongside dealer-facing platforms including Virtual Portfolio Management (integrated with Dealertrack and RouteOne), Business Development Center call services, Financial Services Provider (FSP) outsourced F&I for RV/boat dealers, Key Management Systems, and the EasyCare University training ecosystem covering F&I Impact, AFIP/Compliance, Fixed Ops, and Sales tracks.

The technology stack includes an AI-powered EasyCoach platform (launched April 2026 on Siro technology) that analyzes real finance conversations to surface coaching, product presentation, and compliance insights, plus a claims portal powered by PCMI Corporation and the EasyCare Online (ECO) dealer portal. The company generates revenue primarily through one-time product sales at the dealer counter (VSC, GAP, appearance, etc.), supplemented by recurring subscription/training revenue (EasyCoach, EasyCare University), transaction-fee revenue via the 30% administration FSP model, and managed-services economics from dealer reinsurance participation programs (NCFC, CFC, DOOC, Retro). Distribution is hybrid: an internal salesforce and field representatives serving 8,000+ dealers, an independent agent network, plus agency acquisitions that have produced 21+ completed deals since the M&A program accelerated in 2023. Majority ownership rests with the Ontario Teachers' Pension Plan, which has backed six acquisitions from January 2023 through July 2026, including National Auto Care, Crystal Fusion Technologies, Capital Administrative Professionals, ForeSight Services Group, Dealer Performance Group, and Fidelity Dealer Services.

Name

EasyCare (APCO)

Legal name

Automobile Protection Corporation (APCO)

Website

https://easycare.com

Company type

Private

Founded year

1984

Operating status

Operating

Headcount range

101–250 employees

Short description

EasyCare (APCO Holdings) administers F&I products — VSCs, GAP, appearance, tire/wheel, key, and windshield protection — and dealer solutions for 8,000+ auto, RV, marine, and powersports dealerships in the US and Canada, distributed through internal sales, independent agents, and an active acquisition roll-up under Ontario Teachers' Pension Plan.

Ownership category

akta.pro rank

Product category

Automotive F&I Products and Dealer Solutions

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

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), Roadside Assistance & Towing Memberships (Bundled with Service Contracts) (FSAJALAL)

Keywords

• Vehicle service contracts
• F&I products administration
• Extended vehicle warranties
• Automotive dealer solutions
• GAP coverage products

Headquarters

HQ city

Norcross

HQ country

United States

HQ region

North America

Offices20 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Vehicle Service Contracts (VSC): Extended vehicle protection products covering mechanical breakdowns, offering stated component and exclusionary coverage for new and used vehicles across auto, RV, marine, and powersports segments.
2. GAP Coverage: Guaranteed Asset Protection covering the gap between insurance settlement and loan balance in case of total loss.
3. Appearance Protection: Interior and exterior protection products for vehicles, watercraft, and powersports vehicles.
4. Dealer Reinsurance Programs: Dealer participation programs including NCFC, CFC, DOOC, and Retro structures that allow dealers to participate in reinsurance profits.
5. EasyCoach AI Platform: AI-powered F&I training and coaching platform with pilot results showing 15% PVR increases and 18% PPD increases.
6. Financial Services Provider (FSP): Outsourced F&I department services with 30% administration fee, handling customer financing paperwork and lender engagement for RV and boat dealers.
7. Dealer Training Programs: F&I training, compliance training, and fixed ops training programs through EasyCare University.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

EasyCare administers and distributes a comprehensive suite of Finance & Insurance (F&I) products — including vehicle service contracts, GAP coverage, appearance protection, tire & wheel, windshield, key replacement, theft deterrent, paintless dent repair, prepaid maintenance, and limited warranties — to automotive, RV, marine, and powersports dealerships across the United States and Canada. The company also offers dealer-facing solutions such as AI-powered F&I coaching (EasyCoach), virtual portfolio management, business development center services, financial services provider outsourcing, recruiting, key management systems, reinsurance/wealth-building programs, and the EasyCare University training platform covering F&I, AFIP/compliance, and fixed operations tracks.

Product overview

EasyCare is an F&I products and dealer solutions platform offering a comprehensive suite of automotive, RV, marine, and powersports protection products and services. The portfolio includes core Vehicle Service Contracts (VSC) with stated component and exclusionary coverage, GAP protection, Appearance Protection, KeyCare, Tire & Wheel coverage, Windshield Protection, Theft Deterrent, Paintless Dent Repair, Limited Warranties, and Prepaid Maintenance plans. Supporting the product portfolio are dealer-facing platforms including EasyCoach (AI-powered F&I coaching), Virtual Portfolio Management, Business Development Center, Financial Services Provider (FSP), Key Management Systems, and EasyCare University (training platform with F&I Impact, AFIP & Compliance, Fixed Ops, and Sales tracks). The company has acquired multiple brands including National Auto Care (NAC), Capital Administrative Professionals (CAP), ForeSight Services Group, and Crystal Fusion Technologies, all now integrated under the EasyCare umbrella.

Differentiator

Problem solved

Functional benefit

Brands

• EasyCare Online (ECO): Dealer portal for managing F&I products and contracts
• NAC Express Lane
• MotorTrend Certified
• EasyCare University
• EasyCoach
• FWRD Podcast

Products and services

• Vehicle Service Contracts (VSC) Stated component and exclusionary mechanical breakdown coverage for new and used vehicles including commercial, rideshare, electric, medium-duty, lifted trucks, and snowplows. Includes substitute transportation, trip interruption, roadside assistance, and towing benefits. Sold through auto, RV, marine, and powersports dealerships.
• GAP (Guaranteed Asset Protection)

Quantifiable outcome

• 15% increase in per-vehicle retail revenue (PVR) with EasyCoach AI
• +5 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability2 records

Feature4 records

Partnerships

14 partnerships are on record, tiered core and minor.

• Dealer Performance Group (DPG)coreStrategic or Co-development Partner · 14 July 2026Acquisition target expanding EasyCare's dealer network and F&I product portfolio integration with comprehensive training programs.
• Fidelity Dealer ServicescoreStrategic or Co-development Partner · 14 July 2026Acquisition of Fidelity Dealer Services assets integrating dealer partners primarily in northern New Jersey market into EasyCare's F&I product portfolio and training programs. Founded in 2005.
• Crystal Fusion Technologies, Inc.coreStrategic or Co-development Partner · 1 May 2024Acquired automotive glass protection innovator expanding APCO's product portfolio. Crystal Fusion is recognized for cutting-edge technology enhancing automotive glass durability and performance, distributed through 1,000+ dealers and e-commerce partners.
• National Auto Care (NAC)coreStrategic or Co-development Partner · 1 January 2023Major acquisition expanding EasyCare's claims support and customer service capabilities with merged brand operations.
• SirocoreTechnology or IntegrationTechnology partnership for EasyCoach AI-powered F&I coaching platform. Siro provides the underlying AI technology that analyzes finance transactions to help automotive dealerships improve F&I performance, training, and compliance.
• Mosaic Compliance ServicescoreImplementation/ SI/ Consulting PartnerCompliance training partnership providing web-based training through Compliance Essentials program. Helps dealers meet unique compliance requirements for the F&I office with interactive training modules.
• DealerPRO TrainingcoreImplementation/ SI/ Consulting PartnerFixed operations training partnership delivering measurable improvements in service department productivity, technician productivity, and customer satisfaction through the Profit Improvement Plan (PIP) program.
• PCMI CorporationcoreTechnology or IntegrationClaims portal technology provider powering EasyCare's online claims filing, tracking, and management systems including repair facility portal, GAP claims portal, and servicer accounts.
• ForeSight Services GroupcoreStrategic or Co-development PartnerMerged organization providing additional claims and customer support capabilities with GAP claims services.
• Capital Administrative Professionals (CAP)coreStrategic or Co-development PartnerMerged company expanding EasyCare's administrative professionals network and claims handling services.
• RVDA (Recreational Vehicle Dealers Association)minorChannel Partner/ Reseller/ DistributorIndustry association membership providing access to RV dealer network and industry advocacy.
• RVIA (RV Industry Association)minorChannel Partner/ Reseller/ DistributorIndustry association membership for RV industry representation and dealer access.
• NPDA (National Powersports Dealers Association)minorChannel Partner/ Reseller/ DistributorPowersports dealer association membership for industry networking and dealer access.
• MRAA (Marine Retailers Association)minorChannel Partner/ Reseller/ DistributorMarine dealers association membership providing access to marine retail network.

Scale indicators14 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Prime Auto Care: Prime Auto Care is an F&I product administrator offering service contracts and ancillary products to new and used car dealers. Comparable to EasyCare in product suite and dealer channel distribution.
• American Guardian Warranty Services (AGWS): AGWS is a smaller F&I administrator offering VSCs, GAP, and ancillary products to automotive dealers. Comparable to EasyCare in product mix but with a smaller dealer footprint and scale.

Broad incumbents

• Zurich North America (F&I / Dealer Services): Zurich North America offers extended service contracts and dealer protection products. As a large incumbent insurer, it overlaps with EasyCare's VSC and GAP products but does not specialize exclusively in F&I administration.
• Assurant (Global Automotive): Assurant is a large, diversified insurance and protection products provider that owns Safe-Guard Products International. Its Global Automotive segment competes broadly with EasyCare across VSC, GAP, and F&I products as part of a much wider portfolio.

Direct peers

• JM&A Group: JM&A Group is a major F&I product and training provider for automotive dealerships, owned by Group 1 Automotive. It directly competes with EasyCare in VSCs, GAP, and F&I training products across auto dealer channels.
• Safe-Guard Products International: Safe-Guard Products International is a leading F&I products administrator and a subsidiary of Assurant. It competes directly with EasyCare in vehicle service contracts, GAP, and other F&I products for automotive dealers.
• CNA National Warranty Corporation: CNA National is a service contract provider and F&I administrator focused on automotive dealers. It is a direct competitor in VSCs and GAP products for the same dealer customer base.
• Cooperative Services Group (CSG): Cooperative Services Group is an F&I administrator offering service contracts, GAP, and ancillary products to credit unions and auto dealers. Comparable to EasyCare in product mix and dealer-channel distribution.
• Patriot Dealer Services: Patriot Dealer Services provides F&I products, training, and consulting to RV, marine, and automotive dealers. Direct competitor to EasyCare in the RV and marine VSC/administrative space.
• GSFSGroup: GSFSGroup is a major F&I product provider and administrator (associated with Toyota Insurance) offering VSCs, GAP, and other protection products. Direct competitor to EasyCare in automotive dealer F&I services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/apco-holdings-inc.
• Xx.com/easycareisthere
• Facebookfacebook.com/easycareisthere

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 records

Subsidiaries7 records

Funding overview

Funding rounds

Investors

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

M&A1 record

Investments

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

Frequently asked questions about EasyCare (APCO)