North American Automotive Group

What North American Automotive Group does

North American Automotive Group (NAAG) is a privately held F&I (Finance & Insurance) solutions provider founded in 1995 and headquartered in Cumming, Georgia, with 11-50 employees serving dealerships across the United States and Canada. The company distributes a comprehensive platform of F&I products-including vehicle service contracts, GAP protection, tire and wheel coverage, theft deterrent systems, GPS tracking, paint and fabric protection, key protection, and roadside assistance-through four vertical solution suites tailored to automotive, marine, powersports, and RV dealerships. Supporting service lines include F&I training and certification programs (Levels I-III), reinsurance and dealer participation programs (CFC, NCFC, DOWC, Dealer-Owned, and Retro structures), and federal compliance support for Red Flags Rule identity theft prevention.

The technology backbone centers on the StoneEagle SecureMetrics Reporting System, a data analytics and reporting platform used to manage service contract and warranty data, integrated with partners such as LoJack (GPS tracking) and RouteOne Menu (F&I menu presentations). Product coverage spans multiple powertrain types (gas, hybrid, electric, diesel) and financing structures, with ancillaries designed for both new and pre-owned vehicles within each vertical.

NAAG generates revenue through four streams: F&I product licensing to dealerships (one-time license per contract sold), reinsurance participation agreements that allow dealers to share in underwriting profit (licensing/royalties), F&I training and certification services (professional services), and federal compliance consulting (professional services). Distribution is executed through a direct field-sales team of District Managers and Regional Agents-including a Canadian Regional Agent-amplified by a 17+ partner ecosystem (Allstate Dealer Services, Alpha Warranty, Protective, Assurant Agent Services, DOWC, iA American Warranty Group, Premiere Dealer Services, RoadVantage, Global Lending Services, CarOffer, AdvantagePlus Loyalty, TriPac, ONSD, StoneEagle, LoJack, RouteOne, R.E.D. Alert) that refers dealer accounts to NAAG. Pricing is quote-based with multi-year contracts customized to dealership size and product mix; no public pricing is disclosed.

Name

North American Automotive Group

Legal name

North American Automotive Group, Inc.

Website

https://northamericanautomotive.com

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

11–50 employees

Short description

NAAG is a privately held F&I solutions provider, founded in 1995 in Cumming, Georgia, offering vehicle service contracts, GAP coverage, reinsurance participation, training and certification, and compliance services to automotive, marine, powersports, and RV dealerships across the U.S. and Canada.

Ownership category

akta.pro rank

Product category

Automotive Dealership F&I Services

akta.pro primary industry

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

akta.pro secondary industry

Vehicle Protection & Add-on Product Financing (Warranties, GAP, Service Plans) (FSAKADAL)

Keywords

• Automotive F&I solutions
• Dealership reinsurance programs
• Vehicle service contracts
• F&I training certification
• Dealer participation programs

Headquarters

HQ city

Cumming

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. F&I Products and Solutions: NAAG provides a comprehensive suite of F&I products including vehicle service contracts, GAP coverage, tire and wheel protection, roadside assistance, paint and fabric protection, and more. These products are sold to dealerships who then offer them to end consumers during vehicle purchases.
2. Dealer Participation Programs / Reinsurance: NAAG helps dealerships implement comprehensive reinsurance strategies, allowing dealers to share in the financial risk and potential rewards of service contracts and insurance products. NAAG has the widest array of reinsurable products in the industry.
3. Training and Development Services: NAAG provides customized training programs at multiple levels (Level I, II, III) for F&I managers and sales teams, with certifications and re-certifications. Training covers product knowledge, menu presentations, compliance, and selling strategies.
4. Compliance and Risk Management Services: NAAG offers training and support in helping dealerships comply with Federal Regulations including Red Flags Rule compliance, providing written identity theft prevention programs and procedures.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

North American Automotive Group (NAAG) provides Finance & Insurance (F&I) product solutions, training and certification programs, reinsurance and dealer participation structures, and federal compliance support to automotive, marine, powersports, and RV dealerships across the United States and Canada. The company sells verticalized F&I suites (Auto, Marine, Powersports, RV) that include vehicle service contracts, GAP protection, ancillary products such as tire and wheel, paint and fabric, key protection, theft deterrent, LoJack GPS, and prepaid maintenance, packaged for sale by dealerships to vehicle buyers.

Product overview

North American Automotive Group (NAAG) is an F&I solutions provider organized as a platform-plus-modules architecture, offering four core vertical solutions (Auto, Marine, Powersports, and RV) that provide tailored finance and insurance products to automotive dealerships across the U.S. and Canada. The core Auto Solutions suite includes Vehicle Service Contracts with unlimited mileage/time options, Guaranteed Asset Protection (GAP), Diminished Asset Protection, CPO Wrap, Certified Pre-Owned Programs, Lifetime Powertrain, Limited Warranty, and Prepaid Maintenance. Ancillary add-ons include Tire and Wheel Protection, Paint and Fabric Protection, Theft Deterrent Warranty, R.E.D. Alert brake light system, LoJack GPS, Paintless Dent Repair, Key Protection, Windshield Protection, and Roadside Assistance. Marine Solutions encompass Service Contracts covering various engine types, Marine GAP, Tire and Wheel Protection, Roadside Assistance, and Accessory Component Protection. Powersports Solutions include Service Contracts for multiple vehicle types, GAP, Roadside Assistance, Key Protection, Towed Trailer Package, Paint and Fabric Protection, Theft Protection, and Tire and Wheel Protection. RV Solutions feature Recreational Vehicle Service Contracts (Level 1 and Level 2), RV GAP, Theft Protection, Roadside Assistance, and Tire and Wheel. Supporting services include Training and Development (Sales Training, F&I Level I-III certifications), Reinsurance and Dealer Participation Programs (CFC, NCFC, DOWC, DO, Retro structures), Federal Compliance (Red Flags Rule), and the StoneEagle SecureMetrics Reporting System for data analytics.

Differentiator

Problem solved

Functional benefit

Products and services

• F&I Auto Solutions Comprehensive F&I product suite for new and pre-owned vehicles covering all financing structures and powertrain types (gas, hybrid, electric), including vehicle service contracts, GAP protection, CPO programs, and ancillary protection plans. Sold to automotive dealerships so they can offer these products to end consumers during vehicle purchases.
• F&I Marine Solutions F&I solutions for new and pre-owned boats, jet skis, and watercraft covering all financing options and engine types (gasoline stern drive/inboard, outboard, diesel, personal watercraft), including marine service contracts, GAP coverage, tire/wheel protection, and accessory protection packages. Sold to marine dealerships.
• F&I Powersports Solutions F&I solutions for dirt bikes, ATVs, UTVs, motorcycles, and other powersports vehicles with flexible financing and support for gas and electric engine types, featuring service contracts, GAP, roadside assistance, theft protection, paint and fabric protection, key protection, tire/wheel, and towed trailer package. Sold to powersports dealerships.
• F&I RV Solutions F&I solutions for new and pre-owned recreational vehicles (motor homes and towables) supporting all financing options and powertrain types including gas, diesel, and electric, including RV service contracts (Level 1 and Level 2), GAP, theft protection, roadside assistance, and RV/trailer tire and wheel coverage. Sold to RV dealerships.
• Training and Development Customized F&I training programs including Sales Training with proven processes, F&I Level I–III certifications and re-certification, with over 60 years of combined trainer experience and international OEM experience in training techniques. Sold to dealerships to upskill F&I managers and sales teams.
• Federal Compliance Training and support that helps dealerships comply with Federal Regulations, including the FTC Red Flags Rule for identity theft prevention programs and written identity theft prevention policies, helping dealers satisfy FTC and federal banking regulator requirements.
• Reinsurance and Dealer Participation Programs Comprehensive reinsurance strategy support including CFC, NCFC, DOWC, Dealer Owned, and Retro structure programs that allow dealerships to share in the financial risk and potential rewards of service contracts and insurance products. Marketed as the widest array of reinsurable products in the industry.
• StoneEagle SecureMetrics Reporting System (Management Reporting) A comprehensive data analytics and reporting platform that NAAG deploys on behalf of dealerships to manage and analyze their service contract and warranty data, with features including advanced analytics, claims management, customizable dashboards, security and compliance features, and flexible reporting capabilities.
• Dealer Support Services Ongoing hands-on guidance and partnership covering compliance, risk management, operational optimization, and general dealer support beyond initial contracting, framed as a long-term success partnership with dealerships.

Quantifiable outcome

• Over 30 years in business supporting dealerships
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

16 partnerships are on record, tiered core and minor.

• Allstate Dealer ServicescoreChannel Partner/ Reseller/ DistributorAllstate Dealer Services is a partner providing F&I products and services through NAAG's dealer network. NAAG offers Allstate-branded F&I products to dealerships they serve.
• Alpha Warranty ServicescoreChannel Partner/ Reseller/ DistributorAlpha Warranty Services provides warranty products that NAAG integrates into their comprehensive F&I solutions for dealerships.
• ProtectivecoreChannel Partner/ Reseller/ DistributorProtective is a partner providing F&I protection products distributed through NAAG's dealer network.
• Assurant Agent ServicescoreChannel Partner/ Reseller/ DistributorAssurant Agent Services provides F&I products integrated into NAAG's dealer solutions.
• StoneEaglecoreTechnology or IntegrationNAAG uses StoneEagle's SecureMetrics Reporting System for comprehensive data analytics and reporting on service contracts and warranty data for dealerships they serve.
• LoJackcoreChannel Partner/ Reseller/ DistributorLoJack GPS tracking technology is offered as part of NAAG's F&I product suite for vehicle security and theft recovery.
• DOWC (Dealer Owned Warranty Company)coreStrategic or Co-development PartnerDOWC is a partner in NAAG's reinsurance and dealer participation programs, helping dealerships create their own warranty companies.
• Global Lending ServicescoreChannel Partner/ Reseller/ DistributorGlobal Lending Services provides lending services integrated into NAAG's F&I solutions for dealerships.
• iA American Warranty GroupcoreChannel Partner/ Reseller/ DistributoriA American Warranty Group provides warranty products distributed through NAAG's dealer network.
• CarOfferminorChannel Partner/ Reseller/ DistributorCarOffer is a vehicle acquisition platform partner integrated with NAAG's F&I solutions.
• Premiere Dealer ServicescoreChannel Partner/ Reseller/ DistributorPremiere Dealer Services provides F&I products through NAAG's dealer network.
• R.E.D. Alert (Rear-End Deterrent)coreChannel Partner/ Reseller/ DistributorR.E.D. Alert brake light system is offered as part of NAAG's vehicle safety products. The pulsing third brake light system enhances safety and is sold through NAAG dealerships.
• RoadVantageminorChannel Partner/ Reseller/ DistributorRoadVantage provides F&I products distributed through NAAG's dealer network.
• ONSDminorChannel Partner/ Reseller/ DistributorONSD provides F&I products through NAAG's dealer network.
• TriPac (Triple Protection Auto Care)minorChannel Partner/ Reseller/ DistributorTriPac provides auto care protection products distributed through NAAG dealerships.
• AdvantagePlus LoyaltyminorChannel Partner/ Reseller/ DistributorAdvantagePlus Loyalty provides loyalty program solutions integrated with NAAG's F&I offerings.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Others

• RouteOne: RouteOne provides dealer F&I menu, desking, and credit-application platforms used to present F&I products at the dealership point of sale. It is integrated with NAAG's solutions and shapes the broader dealer F&I technology stack.
• StoneEagle: StoneEagle provides F&I administration, metrics, and reporting software — including the SecureMetrics platform that NAAG offers its dealers. While not a direct competitor, it is a key technology enabler in the same F&I ecosystem.

Broad incumbents

• Assurant: Assurant is a global provider of vehicle service contracts, GAP, and connected-living protection products sold through dealers and agents. Its Assurant Agent Services division is a NAAG 'Core' partner and a direct competitor in the F&I distribution channel.
• Allstate Dealer Services: Allstate Dealer Services provides F&I products (service contracts, GAP, ancillary protection) distributed through U.S. dealerships. As a NAAG 'Core' partner, it both supplies and competes for F&I distribution share via direct dealer relationships.
• Protective: Protective is a major U.S. insurer offering vehicle service contracts, GAP, and a wide range of dealer-sold F&I protection products. It is one of NAAG's named 'Core' underwriting partners and competes with NAAG in the dealer channel for the same F&I shelf space.

Direct peers

• CNA National Warranty: CNA National is a long-standing administrator of dealer-sold vehicle service contracts and F&I products, competing with NAAG for the same franchised and independent dealer accounts.
• RoadVantage: RoadVantage provides dealer-sold F&I products including GAP, service contracts, and ancillary protection. Listed as a NAAG 'Minor' partner, it is also an active competitor in the same dealer F&I channel.
• iA American Warranty Group: iA American is an F&I administrator offering vehicle service contracts and ancillary products distributed through U.S. dealers. Listed as a NAAG 'Core' partner, it is also a direct competitor for the same dealer F&I shelf.
• Alpha Warranty Services: Alpha Warranty is an F&I product administrator selling vehicle service contracts and related protection products through independent and franchised dealers, closely overlapping NAAG's core Auto and Powersports verticals.
• DOWC (Dealer Owned Warranty Company): DOWC specializes in dealer participation programs, reinsurance structures, and administrator services that let dealers own their own warranty companies — the same reinsurance/dealer participation economics that NAAG helps dealers implement.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/naautogroup

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

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 North American Automotive Group