employee benefit plans

We help employees get to work, even when their vehicles break down.

Discover our Plans

Why Toco at Work?

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    Keep your team on the road

    With the average vehicle at 12+ years old, breakdowns are inevitable. We handle service fast so no one misses a shift.

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    Repair costs rose nearly 20% last year

    Repairs climbed six times faster than overall inflation, making maintenance unpredictable and costly.

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    Reduce downtime

    When a vehicle is in the shop your staff loses productive hours. Toco handles repairs fast so your operation stays on schedule.

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    Boost employee satisfaction

    Covering repair bills shows you care. A reliable service plan cuts unexpected time off and helps keep your team on track.

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How it works (and why it’s so easy)

Three simple steps. And a team that’s with you all the way.

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Car trouble? Call us.

Check engine light? Strange noise? We’re here for you. Our team will confirm what’s covered and help you start a claim — no guesswork, no stress.

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We’ll handle the repair

Choose any licensed mechanic, contractor, or marine tech you trust. Need a recommendation? We’ve got your back. We’ll coordinate directly with them to approve the work — fast and hassle-free.

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Toco pays the bill

Once your repair is authorized, you cover your deductible—we cover the rest, directly. No reimbursements, no delays. Just peace of mind.

Three coverage options to choose from

Peace of mind backed by our award-winning customer care.

Powertrain

$59.95/month
$200 deductible


Essential coverage

What’s included

  • Engine
  • Transmission
  • Drive Axle
  • 4X4 Transfer Case
  • Fuel Pump
  • Water Pump
  • Alternator

Download Sample Contract

Plus

$59.95/month
$200 deductible


Enhanced system protection

What’s included

  • Suspension
  • Fuel System
  • Cooling System
  • Air Conditioning
  • Steering
  • Electrical
  • Brakes

Download Sample Contract

Premium

$99.95/month
$200 deductible


Comprehensive protection

What’s included

  • Engine
  • Drive Axle
  • Electrical
  • Suspension
  • Cooling System
  • Brakes
  • Transmission
  • Steering
  • 4X4 Transfer Case
  • Fuel System
  • Air Conditioning

Download Sample Contract

Annual limit of liability is $5,000 and up to two claims per year. The vehicle must be under 15 years old and 150,000 miles at the time of enrollment. 60 day waiting period.All plans include a $75 roadside reimbursement per repair and a $120 car rental reimbursement per repair.

Book a Demo

available for all plans

Plan Benefits – What’s Included?

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Month-to-month Coverage

Our month-to-month flexible plans mean you get support without long-term commitments.

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Award-Winning Concierge Team

Get personalized assistance from our award-winning concierge team—ready to help anytime.

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Financial Protection

Avoid paying out-of-pocket for expensive repairs.

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Your Choice of Service Technician

Pick a trusted pro or use our certified network.

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Hassle-Free Claims Process

Simple, fast claims with dedicated support.

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Reduced Repair Delays

Quick approvals to get your home running again.

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Immediate Coverage Confirmation

Get instant plan access and easy online management.

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Free Openbay+ subscription

Compare prices, book repairs online, and save up to 25% on maintenance.

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Easy Online Management

Manage your plan, file claims, and track service requests with our user-friendly online portal.

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Book a Demo

For our Employee Benefit Plans, the best way to explore options is through a live demo. That way, we can show you exactly how the Work Benefit fits your team. Share your info below and we’ll be in touch to set up a time.


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What our customers are saying

Hear from some of the thousands of people who trust Toco for their coverage needs.