GAP Reinsurance
Establish a dealer-owned reinsurance structure for Guaranteed Asset Protection so your dealership can retain underwriting profits instead of relying on third-party GAP providers.
Build a dealer-owned GAP program that helps your dealership retain underwriting profits, improve F&I performance, and replace third-party product dependency. DealerRE helps auto dealers structure, launch, and manage reinsured GAP solutions with guidance on coverage design, compliance, training, and ongoing administration so your team can maximize each deal with greater control.
Dealer-owned reinsurance solutions built to strengthen GAP performance, profitability, and long-term F&I control.
Establish a dealer-owned reinsurance structure for Guaranteed Asset Protection so your dealership can retain underwriting profits instead of relying on third-party GAP providers.
Add Vendor Single Interest coverage to protect lender interests when borrowers lack required insurance, while keeping more program value inside your reinsurance company.
Support BHPH dealers and lenders with collateral protection insurance reinsurance programs designed to reduce uninsured collateral losses and improve portfolio protection.
Reinsure debt cancellation coverage to help cover total debt after a loss event and reduce write-offs while creating another profit-retention opportunity.
Expand your F&I strategy with vehicle service contract reinsurance that helps your dealership control claims experience and capture more underwriting income.
Offer reinsured limited warranty programs that differentiate your dealership, support customer confidence, and keep more profit within your operation.
DealerRE starts by evaluating your current GAP offering, profit leakage, product structure, and dealership goals. This analysis identifies where third-party dependence is limiting revenue and where a dealer-owned model can create stronger long-term returns.
See how dealers improve F&I control, profitability, and long-term program ownership.
"We've been very pleased with our relationship with DealerRE and assured vehicle protection."
"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...."
"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!"
"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..."
"The program that they put together is just perfect for our organization!"
"Our Family Advantage Program has allowed us offer our customers a warranty that my dealer competitors can't come close to offering."
"DealerRE is professional, friendly, and very accurate in all of their reporting!"
"Great products, serious company, we already have a year doing business and we are really happy with the relationship with DealerRE. Highly recommended"
"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,..."
"These guys are pros when setting up Dealer warranty. Superb service!"
"Excellent customer service! The team is very professional."
"We've done business with DealerRe for years and have been very happy with them!"
"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've been very pleased with our relationship with DealerRE and assured vehicle protection."
"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...."
"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!"
"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..."
"The program that they put together is just perfect for our organization!"
"Our Family Advantage Program has allowed us offer our customers a warranty that my dealer competitors can't come close to offering."
"DealerRE is professional, friendly, and very accurate in all of their reporting!"
"Great products, serious company, we already have a year doing business and we are really happy with the relationship with DealerRE. Highly recommended"
"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,..."
"These guys are pros when setting up Dealer warranty. Superb service!"
"Excellent customer service! The team is very professional."
"We've done business with DealerRe for years and have been very happy with them!"
"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've been very pleased with our relationship with DealerRE and assured vehicle protection."
"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...."
"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!"
"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..."
"The program that they put together is just perfect for our organization!"
"Our Family Advantage Program has allowed us offer our customers a warranty that my dealer competitors can't come close to offering."
"DealerRE is professional, friendly, and very accurate in all of their reporting!"
"Great products, serious company, we already have a year doing business and we are really happy with the relationship with DealerRE. Highly recommended"
"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,..."
"These guys are pros when setting up Dealer warranty. Superb service!"
"Excellent customer service! The team is very professional."
"We've done business with DealerRe for years and have been very happy with them!"
"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..."
Dealers choose DealerRE for experience, support, and full-service program management.
Founded in 1994, DealerRE brings decades of reinsurance guidance for auto dealers.
We manage filings, tax returns, renewals, bookkeeping, and claims administration for dealers.
Exceptional onboarding and F&I training help your staff present GAP with confidence.
DealerRE has helped over 400 auto dealers retain profits and improve program control.
Experienced advisors serving auto dealers nationwide.
Founder
Tim Byrd founded DealerRE in 1994 and has spent decades helping auto dealers build stronger, more profitable F&I operations through reinsurance. He launched the company in Southeast Virginia with a focus on practical guidance, long-term relationships, and dealer education. Tim's experience gives clients a seasoned perspective on structuring dealer-owned programs that improve profitability while supporting better customer outcomes. His leadership helped establish DealerRE as a trusted resource for dealerships seeking alternatives to third-party product providers. As the founder of a family-run company, Tim has shaped a culture centered on service, integrity, and helping dealers create sustainable financial advantages through well-managed reinsurance programs.
President
Taylor Byrd serves as President of DealerRE and helps lead dealerships through the opportunities and operational details of dealer-owned reinsurance. He is a frequent speaker at national and state independent dealer association events and has discussed reinsurance strategy on The Independent Dealer Podcast. Taylor also co-authored a book focused on building winning customer relationships, reflecting his emphasis on both profitability and client experience. His background as a former Captain in the South Carolina Army National Guard informs his disciplined, service-oriented leadership style. At DealerRE, Taylor works closely with dealers to educate teams, strengthen F&I performance, and build programs designed for long-term control and retained underwriting profit.
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 daily realities of presenting products, structuring deals, and serving customers in a modern dealership environment. That background helps him relate closely to dealer principals and finance teams looking to improve performance through reinsurance. Parker also served in the Army Reserves as a CH-47 mechanic and later as a Crew-Chief, experience that reflects his discipline and operational focus. At DealerRE, he helps clients translate reinsurance strategy into practical, dealership-ready execution.
Office Manager / Controller
Heather Spruill has been part of DealerRE since 2013 and supports clients with the responsiveness and organization needed to keep complex programs running smoothly. With an MBA and a strong commitment to service, she plays an important role in the administrative and financial side of the business. Her attention to detail helps support the day-to-day processes behind onboarding, communication, and ongoing client care. Heather is known for making clients feel supported from the first phone call, reflecting DealerRE's emphasis on high-touch service. Her leadership in office operations helps ensure dealers receive dependable support as they build and manage dealer-owned reinsurance programs.
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 smarter program design. With a background in Strategic Management and Marketing, she brings a growth-focused perspective to DealerRE's client relationships. Kristi works with dealers to understand business goals, uncover opportunities within F&I, and support solutions that align with long-term profitability. Her communication skills and strategic mindset make her a valuable resource for dealerships evaluating dealer-owned reinsurance for the first time or expanding existing programs. She contributes to DealerRE's consultative approach by helping clients connect operational decisions with measurable business outcomes.
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 practical understanding of dealership operations and finance office priorities. That combination of insurance knowledge and dealership experience helps her support clients with relevant, real-world insight. Brenda works closely with dealers to help them navigate program details, maintain strong communication, and stay focused on profitable execution. Her background makes her especially effective in helping clients understand how dealer-owned reinsurance programs fit into broader F&I performance goals.
Guaranteed Asset Protection, or GAP, waives the difference between a vehicle's insurance settlement and the remaining loan balance when the vehicle is declared a total loss. In DealerRE's dealer-owned structure, coverage options can include 125% or 150% loan-to-value limits, deductible coverage, and PowerTrain Assistance, depending on how the dealership designs the program.
Speak with our team about structure, setup, and profitability.
DealerRE supports auto dealers across the country with guidance, setup, training, and ongoing reinsurance administration.
Nationwide
Service Reach
Since 1994
Years Proven
400+ Dealers
Dealers Served
Ask how DealerRE supports dealerships across the country.
National dealer association member and sponsor.
Backed by 36 Google reviews.
Clients earned respected industry honors.
Connect with DealerRE to discuss your current GAP setup, dealer-owned reinsurance options, onboarding, and the next steps for launching a stronger F&I profit strategy.
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