Torque Group

What Torque Group does

Torque Group LLC is a US-based Finance & Insurance (F&I) solutions provider exclusively serving the powersports industry. Founded in 2003 and headquartered in Evansville, Indiana, the company operates as a subsidiary of American Guardian Warranty Services, Inc. Torque Group supplies Extended Service Contracts, GAP Protection, Tire & Wheel coverage, a proprietary Lifetime Battery Program, Wear Care Plus, Total Loss Protection, Marine Service Contracts, and ancillary products to more than 300 powersports dealerships across the United States. Its products are sold under dealer-facing brands including Honda, Polaris, Harley-Davidson, Yamaha, Sea-Doo, Mastercraft, Nautique, and Sea Ray, and ESC coverage extends to repair facilities in Canada.

The company's technology foundation is a Dealer Portal integrated with the Lightspeed Dealer Management System (DMS) and PCRS, providing dealers with customizable all-states compliant F&I menus, online claims processing, ACH payment handling, remote form printing, and online remittance. Proprietary or differentiated offerings include the industry-first Lifetime Battery Program, the 0%-interest Service Payment Plan with no credit check, and a Dealership Reinsurance Program that enables dealers to form captive reinsurance companies. The firm is also a preferred distributor of AL3RT GPS tracking units. Operational support includes hands-on F&I sales training sessions (Level 1 and Level 2, limited to 24 attendees) delivered at the Evansville headquarters and remotely.

Torque Group monetizes through a mix of per-unit F&I product commissions and fees on contracts sold, recurring subscription-like revenue from ESC and GAP coverage, managed-services revenue from reinsurance program administration, and professional-services revenue from training. Pricing is quote-based and negotiated with dealerships; publicly disclosed pricing is not available. Go-to-market is sales-led, combining a field sales force of Account Representatives who spend roughly 60% of their time on dealer visits with an inside sales support team and a digital Dealer Portal. The company markets to dealers through educational blog content, in-person training events, and direct field engagement.

Name

Torque Group

Legal name

Torque Group LLC

Website

https://torque-group.com

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

11–50 employees

Short description

Torque Group is a US-based Finance & Insurance solutions provider serving 300+ powersports dealerships with Extended Service Contracts, GAP, Tire & Wheel, Lifetime Battery, and reinsurance programs via an integrated Dealer Portal.

Ownership category

akta.pro rank

Product category

Powersports F&I Services

akta.pro primary industry

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

akta.pro secondary industries

Powertrain & Component-Specific Vehicle Warranty Programs (FSAJALAK), Vehicle Protection & Add-on Product Financing (Warranties, GAP, Service Plans) (FSAKADAL)

Keywords

• F&I protection products
• Powersports dealer services
• Extended service contracts
• Vehicle protection plans
• Dealer training programs

Headquarters

HQ city

Evansville

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. F&I Product Commissions and Fees: Torque Group earns commissions and fees from selling F&I products (Extended Service Contracts, GAP Protection, Tire & Wheel, Lifetime Battery, Wear Care Plus, etc.) to powersports dealerships. Dealers pay for access to the product portfolio, claims processing, and administrative services.
2. Extended Service Contracts: Revenue from ESC coverage plans that pay claims to repair facilities when vehicle breakdowns occur after manufacturer warranty expires. Claims are paid to dealers within 24 hours of approval.
3. GAP Protection 150: Guaranteed Asset Protection coverage that pays the difference between loan balance and insurance settlement when a vehicle is totaled or stolen. Covers up to $1,000 of deductible.
4. Dealership Reinsurance Program: Torque Group helps dealers create their own reinsurance companies. Dealers retain underwriting profits instead of paying them to third-party providers. Revenue comes from managed reinsurance programs and ongoing support.
5. F&I Training Programs: Revenue from F&I training sessions (Level 1 and Level 2) hosted at corporate office in Evansville, Indiana, or remote options. Limited to 24 attendees per session.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Torque Group is a Financial and Warranty Provider and Administrator that sells and administers F&I (Finance & Insurance) protection products to powersports dealerships across the United States. Its portfolio includes Extended Service Contracts, GAP Protection, Tire & Wheel coverage, Lifetime Battery, Wear Care Plus, Total Loss Protection, Marine Service Contracts, and a Dealership Reinsurance Program, distributed through a direct field sales force and a Lightspeed-integrated Dealer Portal. The company also provides F&I sales training, a 0% interest Service Payment Plan, and AL3RT GPS tracking solutions to help dealers maximize backend profitability and customer retention.

Product overview

Torque Group is a comprehensive F&I (Finance & Insurance) solutions provider for the powersports industry, offering a full suite of protection products and dealer services. The product portfolio centers around Extended Service Contracts as the core offering, complemented by specialized coverage products including Ride For Life Lifetime Powertrain, Lifetime Battery Program, GAP Protection 150, Wear Care Plus, Tire & Wheel Protection (both Off-Road and On-Road variants), Platinum Care Maintenance, Total Loss Protection, AL3RT GPS tracking, Torque Shield Finish, and Certified Pre-Owned programs. The company also provides Marine Service Contracts for watercraft, a Dealership Reinsurance Program for dealers wanting to establish their own reinsurance companies, and a Service Payment Plan enabling 0% interest payment options. Dealers access these products through an integrated Dealer Portal with Lightspeed DMS and PCRS integration, backed by F&I training programs. The portfolio is designed to increase dealer profitability while protecting customers throughout vehicle ownership.

Differentiator

Problem solved

Functional benefit

Brands

• AL3RT GPS: GPS tracking solution for powersports vehicles with theft recovery, geofencing alerts, and battery technology.

Products and services

• Extended Service Contracts (ESC) Comprehensive vehicle service contracts providing coverage beyond factory warranty for mechanical breakdowns on powersports vehicles, valid at any licensed repair facility in the US or Canada with claims paid within 24 hours. $0 deductible on new vehicles, $25 on used. Coverage is transferable upon resale.
• Ride For Life - Lifetime Powertrain Complimentary lifetime powertrain warranty covering engine, transmission, and drive system components with unlimited time, miles, and zero deductible for qualifying powersports vehicle purchases. Customer must perform all required maintenance.
• Lifetime Battery Program Industry-first battery replacement coverage for the entire ownership term, valid at any powersports dealership with claims paid within 20-30 minutes by credit card, check, or ACH. Up to $1,500 in benefits.
• GAP Protection 150 Guaranteed Asset Protection (GAP) coverage that pays the difference between loan balance and NADA Retail Value or insurance settlement when a vehicle is totaled or stolen, plus up to $1,000 of deductible reimbursement. Coverage begins immediately and is cancellable.
• Wear Care Plus Coverage for high-wear components including belts, hoses, brake pads, bulbs, wiper blades, key fob replacement, and towing with zero deductible, no mileage or hour limits, and terms up to 60 months. Transferable and cancellable, with up to $5,000 aggregate coverage.
• Off-Road Tire & Wheel Protection for ATV and UTV tires, wheels, and rims from off-road failures with up to 3 years of coverage, zero deductible, and no out-of-pocket expenses. Same-day claims processing.
• Tire & Wheel Plus On-road motorcycle tire and wheel protection with up to 5 years of coverage against road hazards, zero deductible, and 24-hour roadside assistance included with all plans.
• Platinum Care Maintenance Prepaid scheduled service coverage following OEM recommendations with terms from 12-48 months, locking in labor rates and including parts, labor, and taxes. No upfront payment required, with claims approved within 20-30 minutes.
• Dealer Care Maintenance Customized in-house maintenance program creation, execution, and management with custom forms, compliance assurance, and detailed reporting by make and model for powersports dealers.
• Total Loss Protection (TLP) Coverage providing up to $5,000 toward a replacement vehicle after theft or total loss, available for both cash and financed purchases for up to 4 years.
• AL3RT GPS Dealer-installed GPS tracking solution with real-time tracking, theft recovery, geofencing alerts, and low-draw battery technology for powersports vehicles. Torque Group serves as a preferred distributor, with typical ROI of 200% or higher per unit sold.
• Torque Shield Finish One-time exterior surface protection treatment covering paint, trim, and moldings against oxidation, sap, UV fading, and environmental damage for up to 7 years, with up to $10,000 aggregate coverage. Non-cancellable and transferable.
• Certified Pre-Owned 90-day limited warranty program for qualified used powersports vehicles covering major powertrain components with $50 deductible, non-transferrable and non-cancellable. Coverage available for current model plus 3 years (on-road) or 2 years (off-road).
• Marine Service Contracts Extended coverage for boats and watercraft up to 8 years for new vessels and 4 years for used vessels, including inboard, outboard, and stern drive engines alongside powertrain and major mechanical systems. Standalone packages up to 60 months for new and 36 months for used units.
• Dealership Reinsurance Program Program enabling dealerships to establish their own reinsurance company, retaining underwriting profits and controlling claims processes for long-term wealth building. Includes managed reinsurance program support and ongoing administration.
• Service Payment Plan (SPP) 0% interest payment plan allowing flexible payment options on F&I products (VSC, PPM, Tire & Wheel, Battery, and Wear Care Plus) with no credit check required and terms from 6 to 24 months. Seamless integration with PCRS and the dealer portal.

Named customers8 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• American Guardian Warranty Services, Inc.coreStrategic or Co-development PartnerTorque Group LLC is an affiliate and subsidiary of American Guardian Warranty Services, Inc. The privacy policy states it applies to all affiliates and subsidiaries of American Guardian Warranty Services, indicating a parent-subsidiary relationship.
• LightspeedcoreTechnology or IntegrationTorque Group's Dealer Portal is integrated with Lightspeed DMS (Dealer Management System), allowing seamless data exchange for F&I menu presentation, contracts, and dealer operations.
• PCRScoreTechnology or IntegrationService Payment Plan system is integrated with PCRS (Premier Computer Resolutions) and dealer portal, enabling seamless payment plan processing and administration.
• AL3RT GPSminorChannel Partner/ Reseller/ DistributorTorque Group is a preferred distributor of AL3RT GPS tracking devices for powersports vehicles. They do not manufacture the product but keep it stocked and ready for dealers who want to offer GPS security solutions.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Assurant (Assurant Dealer Services): Large diversified warranty and protection provider serving auto, powersports, RV and marine dealers. Comparable as a much larger incumbent offering overlapping F&I product categories with deeper reinsurance capacity and broader geographic reach.
• CNA National Warranty Corporation: Provider of vehicle service contracts, GAP, and limited warranties for automotive and powersports dealers. Comparable as an incumbent administrator with overlapping product categories and dealer-channel distribution.
• American Guardian Warranty Services: Parent company of Torque Group LLC and a broader warranty administrator. Directly comparable because it operates in the same F&I/warranty administration space and shares operational infrastructure with Torque Group, though its scope spans multiple vehicle categories beyond powersports.
• Protective Life (Protective Asset Protection): Large insurance carrier offering F&I products (GAP, ESC, tire & wheel) through franchised auto and powersports dealers. Comparable as a larger incumbent in the same product categories with broader carrier infrastructure.

Direct peers

• Southwest Dealer Services: Independent F&I administrator serving powersports and RV dealerships across multiple US states. Comparable because its product set (ESC, GAP, tire & wheel, theft protection) and dealer-channel go-to-market closely mirror Torque Group's model.
• Easycare (Automotive Warranty Services): Independent F&I administrator offering extended service contracts, GAP, tire & wheel and other protection products through franchised dealer networks. Comparable because it serves the same dealer channel with a similar product mix and revenue model (commissions + product fees).
• Interstate National Dealer Services (INDS): Independent F&I product administrator focused on powersports, RV, marine, and automotive dealers. Highly comparable because it sells the same categories of products (ESC, GAP, tire & wheel, appearance) to the same dealer types as Torque Group.
• AUL Corp (American Underwriting & Leasing): Independent administrator of vehicle service contracts and F&I products for franchised and powersports dealers. Comparable because of its ESC and reinsurance/captive capabilities targeting dealer networks like Torque Group's.
• Warrantech (a TWG company): Third-party administrator of extended service contracts and consumer protection programs sold through dealer and retail channels. Comparable because it administers similar warranty products via a similar B2B dealer-channel model.

Others

• Premier Computer Resolutions (PCRS): Technology provider for the F&I/dealer services industry, integrated with Torque Group's Dealer Portal and Service Payment Plan. Comparable as an enabling technology partner serving the same dealer ecosystem rather than a direct competitor.

Market position

Strengths1 record

Weaknesses1 record

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/torque-group

Revenue estimate

Valuation estimate

Number of profiles

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 Torque Group