EPIC F&I | F&I Products, Training and Compliance for Southern California Dealers

This is a people business. Developing your people matters as much as the products you sell, and that is exactly what our Southern California team is built to do.

EPIC's F&I Division partners with franchise and independent dealers across Southern California. We build the right product lineup for your store, train your team in person every week, and keep your office aligned with California's changing rules.

We're local and nimble, with the backing of one of the largest insurance brokers in the country behind us.

Backed by EPIC

EPIC Insurance Brokers & Consultants has been an insurance brokerage and consulting leader since 2007. Founded in San Francisco and now operating nationwide, EPIC brings deep expertise in risk management, property and casualty, employee benefits, specialty programs, and private client services.

2007Founded in San Francisco

$1.2B+Retail run rate revenue

3,400+Employees nationwide

100K+Clients served

#16Largest U.S. broker, Business Insurance

Figures as of July 2025. Ranking per Business Insurance Top 100 Largest U.S. Brokers, July 2025.

Why the right products matter now

Front-end grosses are shrinking as the market returns to pre-pandemic supply and demand. The dealers who win sell the right product mix and lock in income that can't be cancelled.

New-vehicle front-end gross, per vehicle

~$6,000

~$3,300

~$1,900

2022 peak2025Pre-pandemic norm

Source: Haig Partners, 2024 to 2025.

When the front end gets thinner, the back end carries the store. The right products, presented well, protect profit on every unit you sell and build income that stays on the books.

That's where we focus: the lineup, the menu, and the people presenting it.

Product mix drives profit

With thinner grosses, the right F&I products, and the best ones, maximize profit on every sell-through.

Non-cancelable income

Recurring F&I income you can't lose is now a critical stabilizer, and more valuable to your store than ever.

A sales aid, not a speed bump

EpicGard strengthens the sales process and adds gross without getting in the way of selling cars.

Suite of offerings

Four pillars of dealer profit and customer protection.

Paper / Surety

Core protection products for every deal.

Vehicle Service Contracts: new, used, and pre-owned
High mileage VSC
Maintenance plans
Lifetime warranties
GAP

Ancillaries

Stand-alone or bundled protection customers use.

Tire & wheel
Paintless dent repair
Windshield
Interior & exterior
Key replacement

Appearance

Paint and interior protection that holds up in the Southern California sun.

Ceramic coating paint protection, powered by graphene technology
Interior fabric & leather protection

Auto Security & Inventory

Vehicle security, theft recovery, and dealer inventory management, powered by EpicGard.

GPS tracking & stolen vehicle recovery
Remote immobilizer
Lot and inventory management
Explore the security suite

Reinsurance structures. Dealer-owned reinsurance options let you participate in the underwriting profit on the products you sell.

Preferred partners

Trusted F&I product and service providers. Our combined buying power secures better pricing from every partner, passed straight through to you.

The right partner

We've done it, not just advised it.

Aligned with your management

We work hand in hand with your management team to set clear expectations and goals, then help your people get there.

Deep F&I development & support

Decades building and supporting F&I programs across Southern California: product, process, and profitability.

In-store training, every week

We're in your store every week with ongoing sales and development training that lifts sell-through, drives penetration, and grows profit.

Real operators

Our team has run dealer sales teams and served as finance managers, sales managers, and GSMs in Southern California, roles where the paycheck depends on performance. Practice, not theory.

The best products, sold by the best people, deliver the best results.

Why EPIC F&I

Everything that makes EPIC F&I the right partner for your dealership.

Local & nimbleDeep, hands-on Southern California expertise with the flexibility to move fast.
Exclusive programsSolutions no one else can offer, like EpicGard by Stargard, our exclusive SoCal security and recovery platform.
A team of real operatorsLong-tenured leadership that has run dealer sales floors and F&I offices, not just advised them.
In your store every weekOngoing training and development that lifts sell-through, penetration, and profit.
Buying powerCombined scale secures better pricing from every partner, passed straight through to you.
Built for the futureAlways searching for what's next so your store stays a step ahead.
The right product mixBest-in-class providers and a lineup tailored to every dealer and every rooftop.