DealerRE helps auto dealers structure and manage 831(b) captive insurance programs that keep underwriting profits in-house, strengthen F&I performance, and improve control over claims and compliance. With decades of reinsurance experience and nationwide dealer support, the team helps franchise, independent, and BHPH operators build practical, tax-advantaged programs around the products they already sell.
DealerRE helps dealers reinsure high-value F&I products through customized captive structures built for profit retention and control.
Reinsure VSCs through a dealer-owned captive so underwriting profits stay with your dealership instead of outside providers. This structure supports stronger per-deal profitability, better ownership experience control, and long-term F&I income.
DealerRE helps auto dealers place Guaranteed Asset Protection into a captive structure, allowing them to retain underwriting profits while offering a widely used F&I product with flexible coverage options and tax-advantaged income potential.
Create a dealer-owned reinsurance approach for limited warranties that reduces dependence on third-party providers. Dealers gain more control over claims experience, product design, and the profitability tied to each covered vehicle sold.
For BHPH dealers, Debt Cancellation Coverage can be reinsured through a captive to reduce write-offs and retain underwriting profits. It also helps support customer continuity after total-loss events and portfolio protection.
Vendor Single Interest and Collateral Protection Insurance programs can be structured through dealer-owned reinsurance to protect lender interests, reduce uninsured collateral losses, and keep more program value inside the business.
DealerRE also supports captive reinsurance for ancillary products like tire and wheel, windshield repair, theft protection, and door ding coverage, helping dealers capture profits across more contracts and product categories.
A well-structured 831(b) captive can help auto dealers move beyond simply selling F&I products and start retaining the underwriting income those products generate. DealerRE guides dealers through setup, administration, compliance, training, and ongoing reporting so the program supports profitability, claims oversight, and smarter tax planning without adding unnecessary complexity to daily dealership operations.
See how dealers use reinsurance programs to improve profitability, control, and customer experience.
"Nothing but praise for the DealerRE products and team. The team is professional, focused and will almost ensure your sucess. We find the CPI very useful, and our customers love the Service Contracts. They are members of many of the independent dealer associates and seem to really enjoy working within..."
"A great company with excellent staff that is always willing to go the extra mile to help with anything you need. Dealers you need to be on this program. It helps your customers, your dealership and yourself!"
"I became a Dealer Re client after an unfortunate incident with another reinsurance company. My experience has been nothing short of delightful. The staff are helpful and knowledgeable. Although we’ve been in the industry for many decades, they’ve provided solid advice to help us tweak our sales and control claims...."
"We're SO happy with Dealer RE! Parker is a straight-shooter. He tells it like it is. Whatever he promises, he delivers. If it can't be done, he tells you right up front. And the whole team at DealerRE is friendly, responsive, and service customers the old-fashioned way--they actually answer the..."
"Great products, serious company, we already have a year doing business and we are really happy with the relationship with DealerRE. Highly recommended"
"We've been very pleased with our relationship with DealerRE and assured vehicle protection."
"I have been working with DealerRE for quite a while now and they have been terrific! Anytime you need anything, they are very responsive and helpful. Everyone I've dealt with at DealerRE have been very nice and personable. I highly recommend them!"
"DealerRE is professional, friendly, and very accurate in all of their reporting!"
"Excellent customer service! The team is very professional."
"Great staff and company to work with for your Reinsurance Company. Customer service is top notch and always willing to help make your Reinsurance Company more profitable with training just a phone call away. Highly Recommend any Dealers looking to start your Reinsurance company to get intouch with DealerRE to..."
"After 25 years in business as a buy here, pay here dealership, I saw my write offs due to uninsured customers and low insurance settlements reach an unacceptable level. I looked at several different programs, and felt that DealerRE offered the best solution for my business. After my first year,..."
"We've done business with DealerRe for years and have been very happy with them!"
"Great folks & easy deal with."
"The program that they put together is just perfect for our organization!"
"“Great company to work with! I’ll admit I was skeptical when I first signed up in 2018, but looking back now, it has truly transformed my business for the better—not just for me, but for my customers as well. Parker, Taylor, and their knowledgeable staff are excellent and always very..."
"Nothing but praise for the DealerRE products and team. The team is professional, focused and will almost ensure your sucess. We find the CPI very useful, and our customers love the Service Contracts. They are members of many of the independent dealer associates and seem to really enjoy working within..."
"A great company with excellent staff that is always willing to go the extra mile to help with anything you need. Dealers you need to be on this program. It helps your customers, your dealership and yourself!"
"I became a Dealer Re client after an unfortunate incident with another reinsurance company. My experience has been nothing short of delightful. The staff are helpful and knowledgeable. Although we’ve been in the industry for many decades, they’ve provided solid advice to help us tweak our sales and control claims...."
"We're SO happy with Dealer RE! Parker is a straight-shooter. He tells it like it is. Whatever he promises, he delivers. If it can't be done, he tells you right up front. And the whole team at DealerRE is friendly, responsive, and service customers the old-fashioned way--they actually answer the..."
"Great products, serious company, we already have a year doing business and we are really happy with the relationship with DealerRE. Highly recommended"
"We've been very pleased with our relationship with DealerRE and assured vehicle protection."
"I have been working with DealerRE for quite a while now and they have been terrific! Anytime you need anything, they are very responsive and helpful. Everyone I've dealt with at DealerRE have been very nice and personable. I highly recommend them!"
"DealerRE is professional, friendly, and very accurate in all of their reporting!"
"Excellent customer service! The team is very professional."
"Great staff and company to work with for your Reinsurance Company. Customer service is top notch and always willing to help make your Reinsurance Company more profitable with training just a phone call away. Highly Recommend any Dealers looking to start your Reinsurance company to get intouch with DealerRE to..."
"After 25 years in business as a buy here, pay here dealership, I saw my write offs due to uninsured customers and low insurance settlements reach an unacceptable level. I looked at several different programs, and felt that DealerRE offered the best solution for my business. After my first year,..."
"We've done business with DealerRe for years and have been very happy with them!"
"Great folks & easy deal with."
"The program that they put together is just perfect for our organization!"
"“Great company to work with! I’ll admit I was skeptical when I first signed up in 2018, but looking back now, it has truly transformed my business for the better—not just for me, but for my customers as well. Parker, Taylor, and their knowledgeable staff are excellent and always very..."
"Nothing but praise for the DealerRE products and team. The team is professional, focused and will almost ensure your sucess. We find the CPI very useful, and our customers love the Service Contracts. They are members of many of the independent dealer associates and seem to really enjoy working within..."
"A great company with excellent staff that is always willing to go the extra mile to help with anything you need. Dealers you need to be on this program. It helps your customers, your dealership and yourself!"
"I became a Dealer Re client after an unfortunate incident with another reinsurance company. My experience has been nothing short of delightful. The staff are helpful and knowledgeable. Although we’ve been in the industry for many decades, they’ve provided solid advice to help us tweak our sales and control claims...."
"We're SO happy with Dealer RE! Parker is a straight-shooter. He tells it like it is. Whatever he promises, he delivers. If it can't be done, he tells you right up front. And the whole team at DealerRE is friendly, responsive, and service customers the old-fashioned way--they actually answer the..."
"Great products, serious company, we already have a year doing business and we are really happy with the relationship with DealerRE. Highly recommended"
"We've been very pleased with our relationship with DealerRE and assured vehicle protection."
"I have been working with DealerRE for quite a while now and they have been terrific! Anytime you need anything, they are very responsive and helpful. Everyone I've dealt with at DealerRE have been very nice and personable. I highly recommend them!"
"DealerRE is professional, friendly, and very accurate in all of their reporting!"
"Excellent customer service! The team is very professional."
"Great staff and company to work with for your Reinsurance Company. Customer service is top notch and always willing to help make your Reinsurance Company more profitable with training just a phone call away. Highly Recommend any Dealers looking to start your Reinsurance company to get intouch with DealerRE to..."
"After 25 years in business as a buy here, pay here dealership, I saw my write offs due to uninsured customers and low insurance settlements reach an unacceptable level. I looked at several different programs, and felt that DealerRE offered the best solution for my business. After my first year,..."
"We've done business with DealerRe for years and have been very happy with them!"
"Great folks & easy deal with."
"The program that they put together is just perfect for our organization!"
"“Great company to work with! I’ll admit I was skeptical when I first signed up in 2018, but looking back now, it has truly transformed my business for the better—not just for me, but for my customers as well. Parker, Taylor, and their knowledgeable staff are excellent and always very..."
Dealers choose DealerRE for experienced guidance, full-service administration, and practical reinsurance strategies built around dealership performance.
Founded in 1994, DealerRE brings decades of reinsurance expertise to dealership profit strategy.
The team serves franchise, independent, and BHPH dealers with programs tailored to real F&I operations.
DealerRE manages forms, filings, tax returns, renewals, reporting, and claims support under one roof.
Staff onboarding, F&I training, and menu development help dealerships implement programs with confidence.
Experienced leaders focused on dealer profitability nationwide.
Founder
Tim Byrd founded DealerRE in 1994 and has spent decades helping auto dealers build stronger, more profitable F&I operations through reinsurance. Based in Southeast Virginia, he launched the company with a long-term commitment to educating dealers on how to retain underwriting profits instead of sending them to third-party providers. His experience spans dealership analysis, program development, and practical guidance for operators looking to improve efficiency and financial performance. Tim's leadership helped establish DealerRE as a trusted partner for independent, franchise, and BHPH dealers across the country. His approach centers on service, clarity, and helping dealers create sustainable programs that support both customer experience and business growth.
President
Taylor Byrd serves as President of DealerRE and helps lead the company's nationwide work with auto dealers exploring reinsurance opportunities. He is a frequent speaker at national and state independent dealer association events and has discussed dealer-owned reinsurance on industry podcasts and educational platforms. Taylor combines strategic leadership with a strong understanding of how dealerships can use captive structures to improve profitability, strengthen customer offerings, and gain more control over F&I outcomes. His background includes military leadership as a former Captain in the South Carolina Army National Guard, which informs his disciplined and service-oriented approach. He works closely with dealers to translate complex reinsurance concepts into practical, growth-focused business strategies.
Vice President of DealerRE
Parker Byrd brings direct dealership experience to his role as Vice President of DealerRE. Before joining the company, he worked at two local dealerships as both an F&I Manager and Salesman, giving him firsthand insight into the pressures dealers face in today's retail environment. That background helps him connect reinsurance strategy to real-world dealership operations, from product presentation to profitability and customer retention. Since joining DealerRE in 2018, Parker has helped support dealers looking to build more effective admin obligor and captive-based programs. His practical perspective is especially valuable for operators who want guidance from someone who understands both the showroom and the financial structure behind successful F&I programs.
Office Manager / Controller
Heather Spruill supports DealerRE's operations as Office Manager and Controller, bringing a strong financial and administrative foundation to the team. She joined the company in 2013 after earning her MBA and has played an important role in maintaining responsive client support and organized internal processes. Her work helps ensure dealers receive timely communication, dependable administrative assistance, and a smooth experience as their reinsurance programs are managed over time. Heather's attention to detail supports the behind-the-scenes systems that matter in compliance-heavy financial structures. She is also active in charitable work and serves as Recording Secretary for The VIADA Charity Fund, reflecting the service-minded culture that shapes DealerRE's client relationships.
VP of Business Development
Kristi Cashman serves as VP of Business Development and helps dealers identify opportunities to improve efficiency, productivity, and profit potential through reinsurance. With a background in Strategic Management and Marketing, she brings a growth-oriented perspective to DealerRE's client relationships and educational efforts. Kristi works with dealership leaders to understand their goals, evaluate opportunities within their F&I operations, and align DealerRE solutions with long-term business objectives. Her communication skills and strategic mindset make her a valuable resource for dealers considering how captive structures can support stronger financial outcomes. She also brings experience as an author and speaker, which supports her ability to explain complex concepts in a clear, practical way.
Account Manager
Brenda West is an Account Manager at DealerRE with more than 20 years of insurance industry experience and a valuable background in dealership finance. Having also worked as an F&I Manager at a successful dealership, she understands the operational and financial realities dealers face when evaluating protection products and reinsurance structures. That combination of insurance knowledge and dealership experience helps her support clients with practical, informed guidance. Brenda works closely with dealers to keep programs organized, responsive, and aligned with business goals. Her familiarity with both the insurance side and the dealership side makes her especially effective in helping clients navigate the details that influence profitability, claims expectations, and long-term program performance.
831(b) captive insurance is a tax election available to qualifying small insurance companies that allows underwriting income to be treated differently than a traditional taxable structure. For auto dealers, it is often used within a dealer-owned reinsurance company to reinsure eligible F&I products, retain underwriting profits, improve claims control, and support broader financial planning when the program is properly structured and administered.
Talk with DealerRE about your dealership's reinsurance options.
DealerRE supports auto dealers across the country with reinsurance guidance, administration, and long-term program management.
Nationwide
Service Reach
Since 1994
Years Proven
400+ Dealers
Dealer Clients
Ask if DealerRE can support your dealership model.
Active industry association membership and support.
Connected with multiple dealer associations.
Backed by strong client satisfaction.
Share a few details about your dealership and current F&I products, and DealerRE will help you understand whether a captive structure is a strong fit.
For immediate assistance, feel free to give us a direct call at (804) 824-9533
For immediate assistance, feel free to give us a direct call at (804) 824-9533