Skid steers, excavators, wheel loaders, and compact track loaders — built for hard use, protected for the long haul.
Construction equipment operates in punishing conditions — dust, mud, impacts — accelerating component wear beyond manufacturer expectations.
Equipment fails on the jobsite, not in the shop. Downtime costs can exceed the repair cost itself.
Hydraulic systems, undercarriages, and powertrain components carry five-figure replacement price tags.
Construction equipment financing creates significant negative equity exposure, especially in the first 2–3 years.
Construction equipment dealers serve customers whose business is the equipment. A skid steer that is down on a 30 day project schedule is not a maintenance inconvenience. It is a project cost overrun. A wheel loader sidelined during a paving job creates cascading downstream delays.
That operational reality shapes the F&I menu more than in any other vertical. The customer's primary question is not 'what does it cost monthly' but 'how fast does it get fixed.' Construction equipment buyers respond to coverage commitments with explicit turnaround language and mobile deployment guarantees. The dealer who can name the hour count for a typical hydraulic claim outsells the dealer who quotes a price.
Construction F&I begins with an extended service contract written for jobsite reality. The contract has to cover hydraulic systems, undercarriages, and powertrain components at minimum. It has to include mobile service deployment because construction equipment does not drive itself to a dealer service bay.
Pair the ESC with prepaid maintenance for any customer who runs the equipment 1,000 or more hours per year. The maintenance schedule on a wheel loader running heavy duty cycles is dense. Fluid changes, filter cycles, hydraulic system flushes. Prepaid maintenance turns those events into a budgeted line item instead of surprise spend.
Add GAP to any financed deal over 84 months because construction equipment depreciation is steep and lender residuals are usually aggressive. The negative equity exposure can run $15,000 to $30,000 on a wheel loader by year three.
Component coverage matters for telehandlers (boom and lift cylinder systems) and excavators (track and undercarriage assemblies). These are specific subsystem upgrades to the chassis ESC, not separate replacement products.
Skip tire and wheel for tracked equipment. Skip appearance protection entirely. Construction equipment is expected to look like construction equipment.
Composite scenarios drawn from dealer claim experience. Dollar figures are representative for the vertical.
ESC covered $7,200 in pump and hose replacement. Mobile dispatch had the unit running again within 48 hours.
Component coverage paid for track and roller replacement at $11,500. Without component coverage, chassis ESC would have covered only the powertrain side, leaving the customer with most of the repair bill.
After a jobsite incident. Insurance settled at $48,000. Loan balance was $67,000. GAP covered the $19,000 deficiency.
Construction equipment dealers know that their customers push equipment hard. Standard warranties expire quickly under jobsite conditions. Our ESC and maintenance products are designed for the duty cycles construction demands.
The product mix that works for construction dealers, with the reasoning behind each call.
Standard powertrain only contracts miss the most claimed construction components.
Jobsite repair, not bay repair. The customer cannot drive the equipment to you.
Boom hydraulics. Track and undercarriage. These are the expensive subsystem failures.
Customers running 1,000 plus hours per year benefit from a budgeted maintenance schedule.
Construction equipment depreciation curve demands it. Lender residuals are aggressive.
Vertical-specific questions dealers and customers ask before signing.
Tires, ground engaging tools (cutting edges, teeth, side cutters), DEF system consumables, and any damage classified as operator induced. The contract should list exclusions explicitly. Verify the line items before signing.
The contract specifies a service call response window, typically 4 to 24 hours depending on the tier. The dealer's service department coordinates the dispatch with the equipment manufacturer's mobile tech network where available, or with the dealer's own field service team.
Most can, with a transfer fee in the $100 to $250 range. The remaining term and unused hours transfer to the new owner. Verify transfer rules at point of sale because they matter to commercial buyers who rotate fleet.
Rarely. Track and undercarriage is typically a component specific upgrade. Verify exactly what is covered before quoting.
Default tier ESCs cap at 2,500 to 3,000 hours. For high utilization customers, request a 5,000 to 6,000 hour tier. The premium is higher but the contract delivers the term of coverage that matches actual use.
Let us build a custom F&I package designed specifically for your construction dealership.
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