GAP Reinsurance
Reinsure Guaranteed Asset Protection through your dealer-owned reinsurance company to retain underwriting profits, offer flexible coverage structures, and strengthen F&I income instead of sending margin to third-party providers.
DealerRE helps dealerships turn ancillary F&I products into long-term profit centers through dealer-owned reinsurance structures. From GAP and tire protection to windshield and theft products, the program is built to help dealers retain underwriting profits, improve control over claims experience, and strengthen per-deal profitability with experienced guidance, compliance support, and nationwide service.
Explore dealership-focused ancillary reinsurance programs designed to retain underwriting profits and improve F&I performance.
Reinsure Guaranteed Asset Protection through your dealer-owned reinsurance company to retain underwriting profits, offer flexible coverage structures, and strengthen F&I income instead of sending margin to third-party providers.
Add a reinsurable tire and wheel protection product that covers common road hazards while helping your dealership capture ancillary product profits on every eligible contract sold.
Reinsure theft prevention products such as window etching and anti-theft labeling to create another profit-retention channel within your dealership's ancillary F&I portfolio.
Offer windshield repair coverage as a reinsurable ancillary product so your dealership can keep more underwriting income while adding practical value to the customer ownership experience.
Reinsure paintless dent repair coverage to support customer satisfaction and preserve vehicle appearance while building additional ancillary product profitability inside your F&I operation.
Structure limited warranty offerings through dealer-owned reinsurance to control claims experience, differentiate your dealership, and retain profits that would otherwise go to outside providers.
Ancillary products reinsurance gives dealerships a smarter way to participate in the profitability of products they already sell. DealerRE helps structure and manage dealer-owned reinsurance programs that support profit retention, claims oversight, compliance, and long-term wealth building. Instead of relying on outside providers to keep the underwriting margin, your dealership gains more control over product performance, customer experience, and F&I income.
See how dealerships use reinsurance programs to improve F&I profitability and operational control.
"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..."
"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...."
"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..."
"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..."
"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!"
"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,..."
"Great products, serious company, we already have a year doing business and we are really happy with the relationship with DealerRE. Highly recommended"
"DealerRE is professional, friendly, and very accurate in all of their reporting!"
"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!"
"We've done business with DealerRe for years and have been very happy with them!"
"Excellent customer service! The team is very professional."
"Turnkey from A to Z! They really understand all the aspects of reinsurance and are ALWAYS available to help, being just a phone call away."
"We've been very pleased with our relationship with DealerRE and assured vehicle protection."
"“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..."
"Great company! They have been professional throughout the 2 years we've been with them and are always there for any questions we have. Just wish we signed up with them sooner. Would highly recommend the DealerRE Team!"
"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..."
"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...."
"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..."
"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..."
"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!"
"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,..."
"Great products, serious company, we already have a year doing business and we are really happy with the relationship with DealerRE. Highly recommended"
"DealerRE is professional, friendly, and very accurate in all of their reporting!"
"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!"
"We've done business with DealerRe for years and have been very happy with them!"
"Excellent customer service! The team is very professional."
"Turnkey from A to Z! They really understand all the aspects of reinsurance and are ALWAYS available to help, being just a phone call away."
"We've been very pleased with our relationship with DealerRE and assured vehicle protection."
"“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..."
"Great company! They have been professional throughout the 2 years we've been with them and are always there for any questions we have. Just wish we signed up with them sooner. Would highly recommend the DealerRE Team!"
"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..."
"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...."
"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..."
"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..."
"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!"
"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,..."
"Great products, serious company, we already have a year doing business and we are really happy with the relationship with DealerRE. Highly recommended"
"DealerRE is professional, friendly, and very accurate in all of their reporting!"
"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!"
"We've done business with DealerRe for years and have been very happy with them!"
"Excellent customer service! The team is very professional."
"Turnkey from A to Z! They really understand all the aspects of reinsurance and are ALWAYS available to help, being just a phone call away."
"We've been very pleased with our relationship with DealerRE and assured vehicle protection."
"“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..."
"Great company! They have been professional throughout the 2 years we've been with them and are always there for any questions we have. Just wish we signed up with them sooner. Would highly recommend the DealerRE Team!"
Dealers choose DealerRE for experience, structure, and full-service support.
Founded in 1994, DealerRE brings decades of dealership reinsurance knowledge to every program.
DealerRE manages legal forms, filings, renewals, tax returns, reporting, and bookkeeping support.
Staff onboarding, F&I training, and menu support help dealerships implement programs with confidence.
Serving dealers coast to coast, DealerRE supports franchise, independent, and BHPH operations nationwide.
Experienced professionals guiding dealership reinsurance growth.
Founder
Tim Byrd founded DealerRE in 1994 and has spent decades helping dealerships 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 and creating practical programs that improve efficiency, profitability, and customer experience. His background and leadership helped establish DealerRE as a trusted resource for dealer-owned reinsurance structures, especially for operators seeking more control over underwriting profits and program performance. Tim's approach has always centered on service, relationship-building, and helping dealers understand how reinsurance can become a meaningful financial asset rather than simply another vendor expense.
President
Taylor Byrd serves as President of DealerRE and helps dealerships understand the strategic value of opening and operating their own reinsurance company. He is a frequent speaker at national and state independent dealer association events and has shared insights on reinsurance through industry podcast appearances and educational outreach. Taylor combines leadership, communication, and dealership-focused strategy to help clients evaluate opportunities across ancillary products, warranties, and broader F&I structures. His experience includes co-authoring a book on customer relationships and bringing a disciplined leadership style shaped by his service as a Captain in the South Carolina Army National Guard. He works closely with dealers seeking practical, profitable, and well-supported reinsurance solutions.
Vice President of DealerRE
Parker Byrd brings direct dealership experience to his role as Vice President of DealerRE. Before joining the company in 2018, he worked at two local dealerships as both an F&I Manager and Salesman, giving him firsthand insight into the pressures, opportunities, and day-to-day realities dealers face. That background helps him connect with clients who want reinsurance programs that make operational sense inside a modern dealership. Parker supports dealers as they evaluate profit retention, product structure, and implementation strategy across F&I offerings. His practical perspective is strengthened by military service in the Army Reserves, where he served as a CH-47 mechanic and crew chief, reinforcing the discipline and accountability he brings to client relationships.
Office Manager / Controller
Heather Spruill joined DealerRE in 2013 after earning her MBA and has become a key part of the company's client support and operational consistency. As Office Manager and Controller, she helps ensure the administrative side of dealership reinsurance programs runs smoothly, from communication and coordination to financial oversight. Her responsiveness and commitment to clients have made her a dependable point of contact for dealers who value organized, attentive service. Heather's role supports the broader DealerRE promise of full-service administration and a high-touch client experience. She also brings a strong sense of community involvement, volunteering with her husband and serving as Recording Secretary for The VIADA Charity Fund.
VP of Business Development
Kristi Cashman serves as VP of Business Development and helps dealerships identify ways to improve efficiency, productivity, and profit potential through reinsurance. With a background in Strategic Management and Marketing, she brings a growth-focused perspective to client relationships and program development. Kristi works with dealers who want to better understand how ancillary products, warranties, and dealer-owned structures can support stronger long-term financial outcomes. Her communication skills and business insight make her a valuable resource for dealerships exploring new opportunities or refining existing F&I strategies. In addition to her work at DealerRE, she is also an author and speaker, reflecting her passion for helping people and organizations reach higher levels of performance.
Account Manager
Brenda West is an Account Manager at DealerRE with more than 20 years of experience in the insurance industry, along with a financial background that includes working as an F&I Manager at a successful dealership. That combination gives her a practical understanding of both insurance structures and dealership operations, which is especially valuable when supporting clients with reinsurance programs. Brenda helps dealers navigate questions, maintain momentum, and stay informed as their programs develop. Her experience allows her to relate directly to dealership teams looking for clarity, responsiveness, and knowledgeable support. With roots in Yorktown, Virginia and a strong connection to the region, she reflects the grounded, relationship-driven service style that defines DealerRE.
Ancillary products in insurance and F&I are optional protection products sold alongside the primary vehicle transaction. For dealerships, these can include GAP, tire and wheel protection, windshield repair, theft protection, door ding coverage, and similar offerings. In a reinsurance structure, the dealership is not simply selling the product—it is participating in the underwriting profits through its own dealer-owned reinsurance company.
Speak with our team about products, structure, and next steps.
DealerRE supports dealerships nationwide with reinsurance guidance, administration, and training for dealer-owned ancillary product programs.
Nationwide
Service Reach
400+ Dealers
Dealer Support
Mon-Fri 9-5
Business Hours
Ask if your dealership and product mix are a fit.
Active industry member and sponsor.
Connected across multiple dealer associations.
Clients earned notable dealer honors.
Tell us about your dealership, current F&I products, and goals. Our team will help you understand whether a dealer-owned ancillary reinsurance structure is the right fit and what implementation could look like.
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