Vehicle Service Contracts
Reinsure vehicle service contracts through your own dealer-owned company to retain underwriting profits, improve long-term F&I income, and create a stronger ownership experience instead of relying on third-party providers.
Explore how DealerRE helps auto dealers build dealer-owned reinsurance programs that retain underwriting profits, strengthen F&I performance, and reduce reliance on third-party providers. This guide covers core reinsured products, program benefits, and what dealers should evaluate when creating a more profitable, better-controlled reinsurance strategy.
Dealer-owned reinsurance solutions for core F&I products, ancillary protections, and BHPH risk management programs.
Reinsure vehicle service contracts through your own dealer-owned company to retain underwriting profits, improve long-term F&I income, and create a stronger ownership experience instead of relying on third-party providers.
DealerRE structures GAP reinsurance programs that help dealers keep profits from total-loss waiver products while offering flexible coverage options such as LTV limits, deductible benefits, and PowerTrain Assistance.
Create a dealer-owned reinsurance structure for limited mechanical breakdown warranties, giving your dealership more control over claims experience, product design, and profit retention across qualifying vehicles.
For BHPH dealers, DCC reinsurance helps protect receivables after total losses while reducing write-offs and supporting customer retention through a dealer-owned, profit-retaining program structure.
VSI reinsurance protects dealer and lender interests when borrowers fail to maintain required insurance, while allowing underwriting profits to stay within a dealer-owned reinsurance company.
CPI reinsurance programs help BHPH dealers and lenders protect uninsured collateral, reduce portfolio losses, and retain profits that would otherwise go to outside force-placed insurance providers.
Dealer-owned reinsurance gives dealerships a way to keep underwriting profits from high-value F&I products instead of sending that income to outside providers. DealerRE helps structure, launch, and support programs that improve profitability, strengthen claims oversight, and align product performance with long-term dealership goals. From VSCs and GAP to BHPH protections, the model is built for control, compliance, and scalable growth.
See why dealerships rely on DealerRE for profitable, well-managed reinsurance program support.
"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 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!"
Dealers choose DealerRE for experience, education, and full-service program support.
Trusted since 1994, with decades of dealer-focused reinsurance guidance and program management.
Built specifically for franchise, independent, and BHPH dealers seeking stronger F&I profitability.
DealerRE manages filings, renewals, tax returns, reporting, training, and claims support.
Serving over 400 auto dealers nationwide with a 5-star Google Business Profile rating.
Experienced leaders focused on dealer profitability and support.
Founder
Tim Byrd founded DealerRE in 1994 and has spent decades helping auto dealers build stronger, more profitable F&I programs through dealer-owned reinsurance. His experience spans program structure, profitability strategy, and long-term dealer support, giving clients practical guidance rooted in real industry knowledge. Tim's leadership helped establish DealerRE as a trusted resource for dealerships seeking to retain underwriting profits instead of relying on third-party product providers. As the company's founder, he has remained focused on helping dealers improve efficiency, strengthen customer offerings, and create sustainable financial advantages through well-managed reinsurance programs.
President
Taylor Byrd serves as President of DealerRE and helps dealerships understand the strategic value of opening and operating their own reinsurance company. A frequent speaker at national and state independent dealer events, he brings a strong educational approach to dealer partnerships and is known for making complex reinsurance concepts practical and actionable. Taylor has also appeared on industry podcasts to discuss dealer-owned reinsurance opportunities and how dealers can improve profitability through smarter F&I structures. His leadership combines industry insight, communication, and a commitment to helping clients build programs that support both operational performance and long-term growth.
Vice President of DealerRE
Parker Byrd brings dealership-side experience to his role as Vice President of DealerRE, having previously worked as both an F&I Manager and Salesman at local dealerships. That firsthand background helps him relate directly to dealer clients and understand the day-to-day realities of presenting products, managing profitability, and improving customer experience. Since joining DealerRE, Parker has helped support reinsurance programs with a practical perspective shaped by real showroom and finance office experience. His ability to connect operational dealership needs with long-term reinsurance strategy makes him a valuable resource for clients looking to strengthen ancillary product performance and retain more F&I income.
Office Manager / Controller
Heather Spruill joined DealerRE after earning her MBA and has become a key part of the company's client support and operational administration. As Office Manager and Controller, she helps ensure dealers receive responsive communication, organized program support, and dependable back-office coordination. Her commitment to service is reflected in the consistency and professionalism clients experience throughout their relationship with DealerRE. Heather's administrative leadership supports the company's full-service model, helping dealerships stay focused on growth while DealerRE assists with the details that keep reinsurance programs running smoothly and efficiently.
VP of Business Development
Kristi Cashman serves as VP of Business Development and helps dealerships identify opportunities to improve efficiency, productivity, and profit potential through smarter reinsurance strategies. With a background in strategic management and marketing, she brings a growth-focused perspective to dealer relationships and program development. Kristi works closely with clients to align business goals with practical F&I solutions that support stronger performance over time. Her ability to combine strategic thinking with client-centered communication makes her an important part of DealerRE's mission to help dealers build more valuable, better-managed reinsurance programs.
Account Manager
Brenda West brings more than 20 years of insurance industry experience to her role as Account Manager at DealerRE. She also has a financial background from working as an F&I Manager at a successful dealership, giving her a strong understanding of both insurance operations and dealership profitability. That combination helps her support clients with practical insight into how reinsurance programs fit into everyday F&I performance. Brenda's experience allows her to communicate clearly with dealers, anticipate common concerns, and help maintain the responsive service DealerRE is known for across its nationwide client base.
Reinsurance for auto dealers is a structure that allows a dealership to participate in the underwriting profits generated by eligible F&I products sold in the dealership. Instead of sending those profits entirely to a third-party provider, the dealer uses a dealer-owned reinsurance company to retain income, gain more control over program performance, and support long-term financial planning.
Speak with our team for clear, practical guidance.
Active industry member and sponsor.
Longstanding experience serving auto dealers.
Strong client satisfaction and trust.
Connect with DealerRE to discuss your dealership model, current F&I products, and the best path to a profitable dealer-owned reinsurance structure.
For immediate assistance, feel free to give us a direct call at +1 804-824-9533.
For immediate assistance, feel free to give us a direct call at +1 804-824-9533.