Construction F&I

Construction Equipment F&I for Dealers Who Sell Iron That Works

Extended service contracts and powertrain coverage for excavators, skid steers, telehandlers, wheel loaders, and the rest of the iron on your lot. Independent administrator, fast claims, and a product menu built for construction.

Why Dealers Choose Us

Why Construction Dealers Choose WeCoverUSA

1

Coverage that protects working capital

A blown hydraulic pump on a mid size excavator can cost $15,000 plus downtime. Extended service contracts turn that variable cost into a known fixed cost, which is exactly what your contractor customers want when they finance equipment.

2

Plant and attachments under one program

Our construction programs cover the base machine and the attachments that ride with it. Buckets, breakers, augers, grapples, and quick couplers can be enrolled with the parent unit.

3

Coverage on used iron up to 15 years

Most construction warranty programs cap at 10 years or 5,000 hours. Our agriculture and construction programs extend qualifying machines up to 15 years, opening up resale inventory you cannot otherwise warranty.

Coverage Products

What Is Covered

Every product on the menu, available individually or as a complete F&I suite.

  • Powertrain Coverage.

    Engine and drivetrain internal components.

  • Powertrain Plus Hydraulic.

    Hydraulic pumps, motors, and major hydraulic components.

  • Platform Coverage.

    Starter, alternator, A/C, and platform electronics.

  • Attachment Coverage.

    Buckets, breakers, augers, grapples, quick couplers.

  • Extended Service Contracts up to 5,000 hours..

  • Transferable Coverage.

    Adds value at trade in.

  • GAP Coverage.

    For financed equipment.

  • Field Service Dispatch..

How It Works

How the Program Works

1

Apply for the dealer program. No setup fees, no minimums.

2

Onboard your sales and finance team. Tier training designed for ag equipment.

3

Inspect and enroll. Equipment outside OEM base warranty requires a dealer inspection.

4

Sell and contract. Digital eContracting at point of sale.

Coverage Scope

Equipment we cover

Excavators, skid steers, compact track loaders, wheel loaders, backhoes, telehandlers, dozers, graders, compactors, light towers, and construction UTVs. Coverage available on Caterpillar, John Deere Construction, Komatsu, Case CE, Bobcat, Kubota, Volvo CE, JCB, Hitachi, Doosan, Takeuchi, and more.

Trust Signals

Built on Decades of F&I Experience

60+ years combined industry experience. 39+ active dealer partners across the United States. SDVOSB certified. Independent administrator with direct underwriter relationships.

Common Questions

Frequently Asked Questions

Yes. Attachments can be enrolled with the parent unit, including buckets, breakers, augers, grapples, and quick couplers.

Coverage on rental fleet equipment is evaluated on a case by case basis. Owner operator and dealer floor inventory are the primary use cases.

Pre owned equipment is eligible up to 5,000 engine hours or 15 years, whichever comes first, subject to inspection.

If a covered breakdown occurs in the field, the contract dispatches an authorized service technician to the equipment location and reimburses the cost of the service call up to the contract limit.

Yes. Qualifying dealers can participate in dealer reserve and reinsurance structures designed to build long term capital from F&I production.

Talk With WeCoverUSA About Construction Equipment F&I

If you sell construction equipment to contractors, our independent F&I program adds margin to every deal and resale value to every used machine on your lot.