Insurance Strength. Industry Expertise. Built for Heavy Trucks.
Legacy HD Inc. is the exclusive distributor and marketer of Legacy Truck Warranties, a fully insured aftermarket extended warranty solution developed over nearly two years with Acera Insurance and Newline Group for eligible Class 5 to 8 commercial trucks. Built for Canada.
The people behind Legacy Truck Warranty
A leadership team built around decades of combined experience in commercial transportation, equipment finance, insurance, warranty administration, marketing, and stakeholder relations.
Mark Stowe
Founder & Chief Executive Officer
Mark is a Canadian entrepreneur and commercial finance and insurance professional with more than 25 years of experience in the heavy truck and equipment industries. Throughout his career, Mark has demonstrated extensive experience in owning and operating Managing General Agents (MGAs) and Third-Party Administrators (TPAs) within Canada's commercial finance and insurance sector. His expertise encompasses product development, administration, compliance, distribution strategies and technological implementation, providing a comprehensive understanding of both aspects of the industry. More recently, Mark founded PSI Holdings Limited, which subsequently obtained the manufacturing and distribution rights for Permashield TS-RK. This represents an innovative, environmentally conscious tire sealant technology engineered to prevent punctures in high-pressure commercial tires. In conjunction with Permashield, a bespoke tire and wheel warranty was developed specifically for the commercial finance market. A consistent theme throughout his career has been listening closely to commercial finance professionals and recognizing where existing insurance products don't adequately address the needs of their customers. Developing solutions around those real-world requests has become one of the most rewarding aspects of his work. Demonstrated expertise in the development and oversight of national programs, cultivating strategic partnerships with financial institutions, insurers, and brokers, and leading technological advancements to enhance the distribution and administration of insurance offerings. This experience ultimately culminated in Mark's founding of Legacy HD Inc., where he maintains his focus on delivering practical insurance solutions to the Canadian commercial finance sector.
Chris Palmer
Chief Revenue Officer
Chris Palmer brings more than 27 years of experience in Canadian commercial finance, with a career spanning automotive finance, commercial lending, equipment financing and F&I products. Throughout his career, Chris has worked closely with truck dealers, equipment companies, lenders and commercial buyers, developing a deep understanding of how financing decisions, risk management and warranty products intersect within the heavy truck industry. His experience includes senior roles in commercial finance, managing significant equipment financing portfolios and helping businesses secure tailored financing solutions through a broad network of financial institutions. Chris later founded Energy Capital Ltd., a commercial finance brokerage focused on connecting businesses with financing strategies suited to their operational and growth needs. At Legacy Truck Warranty, Chris brings extensive commercial finance experience and firsthand knowledge of the Class 6, 7 and 8 truck market, with a focus on developing warranty and financial solutions that support truck owners, dealers, lenders and finance partners.
Trev Ruberry
EVP, Strategic Partnerships & Stakeholder Relations
Trev Ruberry brings more than 20 years of experience in stakeholder relations, strategic partnerships, workforce development and project operations across infrastructure, energy and construction. Throughout his career, Trev has worked in complex, multi-stakeholder environments where strong relationships, clear communication and disciplined execution are critical to success. His experience includes strategic partnership development, operational management, program development, vendor oversight and client-focused problem solving. He has built a strong track record of developing relationships among partners, clients and end customers while helping organizations align operational requirements with broader business objectives. At Legacy Truck Warranty, Trev focuses on expanding strategic partnerships, strengthening dealer and industry relationships, and supporting the development of a dependable warranty delivery network. His relationship-driven approach and operational experience help ensure Legacy continues to grow with a strong focus on trust, service and long-term partner value.
Jonathan Molina
Chief Marketing Officer
Jonathan Molina brings more than 25 years of experience in marketing strategy, brand development, business growth and revenue generation. Throughout his career, he has worked across a broad range of industries, helping organizations strengthen their market position, build more effective marketing programs and connect strategy directly to business objectives. His experience spans brand positioning, digital marketing, customer acquisition, communications, advertising, partnership development and overall marketing leadership. Jonathan is known for taking a practical, commercially focused approach to marketing, with an emphasis on understanding the business first, identifying the right opportunities for growth and building clear strategies that can be effectively executed. At Legacy, Jonathan brings deep marketing experience and strategic leadership focused on strengthening the brand, expanding market awareness and supporting the company's continued growth across the commercial transportation industry.
Created to close a longstanding gap in the used truck market
The company was founded by professionals with decades of combined experience in commercial transportation, equipment finance, insurance, warranty administration, and technology.
Heavy-duty trucks represent significant financial investments and critical revenue-producing assets, yet owners and finance professionals have historically had limited access to credible, compliant, and properly structured aftermarket protection.
Legacy Truck Warranties were designed to address that gap.
- 2 years
- Program development
- Lloyd's
- Syndicate underwriting
- Acera
- Insurance partner
- Ontario
- First market
Nearly two years of development, not an adapted auto warranty
The Legacy program was built in collaboration with Acera Insurance and specialized industry partners across six areas of work.
Warranty Product Design
Coverage structures built around heavy-duty component risk and duty cycles.
Underwriting and Insurance
A fully insured structure developed with established underwriting partners.
Regulatory Review
Documentation and processes reviewed against Canadian regulatory obligations.
Claims Administration
Defined reporting, authorization, and payment procedures for every claim.
Partner Workflows
Dealer and lender processes designed around real transaction requirements.
Digital Platform
Quoting, application, and administration technology built and tested in market.
A truck cannot be evaluated like a personal vehicle
A truck supports contracts, deliveries, employees, customers, and revenue. Its mechanical reliability directly affects business performance, and that perspective shaped every part of the program.
- Eligibility criteria built for commercial duty cycles
- Coverage structured around component risk
- Claims procedures written for working equipment
- Administration designed for finance transactions
Supported by established insurance partners
The program is backed by the financial strength and underwriting discipline of Newline Group, a Lloyd's Syndicate, together with the regulatory compliance, brokerage experience, and claims management capabilities of Acera Insurance.
These relationships provide a strong institutional foundation and help ensure the program is administered to defined insurance, regulatory, and claims standards.
Technology designed around commercial transactions
Legacy Truck Warranty has developed a purpose-built digital platform that supports the warranty process from initial quote through application, documentation, administration, and claims support.
It helps authorized finance professionals, dealers, and program partners complete transactions efficiently while maintaining accuracy and compliance for every stakeholder.
Four principles behind every warranty we issue
Commercial Relevance
Coverage designed around the realities of working trucks and revenue-producing equipment.
Insurance Strength
A fully insured structure supported by established insurance and brokerage partners.
Regulatory Compliance
Processes and documentation designed to meet applicable Canadian requirements.
Operational Efficiency
Digital tools that support accurate, efficient, and transparent administration.
Our purpose
Help truck owners protect essential business assets while giving dealers, lenders, and finance professionals a credible warranty solution designed for the heavy-duty market.
Protect the truck that protects your business.
Unexpected repairs can affect more than a balance sheet. Contact your Legacy Authorized Commercial Finance Professional about coverage for eligible Class 5 to 8 commercial trucks.