Debt Cancellation Coverage
Reinsured waiver program for BHPH dealers that covers total debt in case of total loss, allowing customers to get into another vehicle while you maintain cash flow and reduce insurance costs.
Maximize dealership profitability while protecting your customers with comprehensive reinsurance solutions. DealerRE's admin obligor programs give you complete control over F&I products, claims management, and underwriting profits—transforming third-party expenses into sustainable revenue streams for your business.
Comprehensive reinsurance solutions designed to protect your customers and maximize your dealership's profitability.
Reinsured waiver program for BHPH dealers that covers total debt in case of total loss, allowing customers to get into another vehicle while you maintain cash flow and reduce insurance costs.
Customizable extended warranty programs with flexible terms and coverage levels. Reinsure in your own company to capture profits and control the customer ownership experience.
Deficiency balance waiver covering the gap between insurance settlement and loan balance, with 150% or 125% LTV coverage and up to $1,000 deductible protection.
Comprehensive coverage against road hazards with non-prorated benefits and 24/7 roadside assistance. Less expensive than traditional road hazard programs.
Transform your certified car market with a 100+ point inspection and reinsured limited warranty. Capture 100% of underwriting profit through admin obligor programs.
Force-placed insurance protecting your interest in the vehicle when customers fail to maintain required coverage. Reinsure to capture underwriting profits while fulfilling credit agreement requirements.
Stop sending profits to third-party warranty and insurance companies. DealerRE's admin obligor reinsurance programs let you build your own reinsurance company, retain 100% of underwriting profits, and control every aspect of the claims experience. Whether you're a franchise dealer, independent retailer, or BHPH operation, our 28 years of proven expertise ensures you maximize every deal while delivering exceptional customer satisfaction. From debt cancellation to extended warranties, our reinsured products protect your customers and transform F&I from an expense center into a sustainable profit driver.
Helping over 400 dealerships nationwide achieve National Quality Dealer recognition and unprecedented profitability.
"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..."
"Very responsive and helpful, will assist your financial endeavors as a dealership."
"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..."
"Great products, serious company, we already have a year doing business and we are really happy with the relationship with DealerRE. Highly recommended"
"One of the best decisions we ever made for our BHPH operation was partnering with DealerRE! Taylor, Parker and their entire team are second to none!"
"Excellent customer service! The team is very professional."
"Taylor, Parker, and their team are great to work with. I have been able to grow my reinsurance company with their help."
"we have been doing business with DealerRE for many years now and it has always been a strong benefit. we are very pleased with all their knowledge and help.. thank you!"
"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,..."
"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..."
"We've been very pleased with our relationship with DealerRE and assured vehicle protection."
"We've done business with DealerRe for years and have been very happy with them!"
"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!"
"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..."
"Very responsive and helpful, will assist your financial endeavors as a dealership."
"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..."
"Great products, serious company, we already have a year doing business and we are really happy with the relationship with DealerRE. Highly recommended"
"One of the best decisions we ever made for our BHPH operation was partnering with DealerRE! Taylor, Parker and their entire team are second to none!"
"Excellent customer service! The team is very professional."
"Taylor, Parker, and their team are great to work with. I have been able to grow my reinsurance company with their help."
"we have been doing business with DealerRE for many years now and it has always been a strong benefit. we are very pleased with all their knowledge and help.. thank you!"
"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,..."
"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..."
"We've been very pleased with our relationship with DealerRE and assured vehicle protection."
"We've done business with DealerRe for years and have been very happy with them!"
"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!"
"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..."
"Very responsive and helpful, will assist your financial endeavors as a dealership."
"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..."
"Great products, serious company, we already have a year doing business and we are really happy with the relationship with DealerRE. Highly recommended"
"One of the best decisions we ever made for our BHPH operation was partnering with DealerRE! Taylor, Parker and their entire team are second to none!"
"Excellent customer service! The team is very professional."
"Taylor, Parker, and their team are great to work with. I have been able to grow my reinsurance company with their help."
"we have been doing business with DealerRE for many years now and it has always been a strong benefit. we are very pleased with all their knowledge and help.. thank you!"
"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,..."
"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..."
"We've been very pleased with our relationship with DealerRE and assured vehicle protection."
"We've done business with DealerRe for years and have been very happy with them!"
"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!"
The gold standard in reinsurance with 28 years of proven success helping dealers maximize profitability.
Retain all underwriting profits that third-party companies keep. Build sustainable wealth through your own reinsurance company.
Manage the entire customer ownership experience. Control claims adjudication, service quality, and customer satisfaction to drive repeat and referral business.
We handle all legal forms, filings, tax returns, compliance, training, claims processing, and performance reporting. You focus on selling cars.
Admin obligor structure means your reinsurance company is insured by A-rated carriers, providing security and peace of mind for you and your customers.
Industry experts dedicated to your dealership's success.
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.
A dealer-owned warranty company, also known as a dealer-owned reinsurance company (DOWC), is a legal entity established by auto dealers to reinsure their own F&I products like vehicle service contracts, GAP coverage, and other protection plans. Instead of purchasing these products from third-party providers and losing the underwriting profits, dealers create their own reinsurance company backed by A-rated carriers. This admin obligor structure allows dealers to retain 100% of the underwriting profits, control the claims experience, and build long-term wealth while still providing customers with comprehensive protection backed by reputable insurance carriers.
Talk to our reinsurance experts to discover how much profit you're currently leaving on the table.
Active member and sponsor supporting independent dealers nationwide
Nearly three decades of expertise in dealer reinsurance solutions
Admin obligor programs insured by A-rated insurance carriers
Schedule a free dealership analysis to discover your profit potential. No hidden fees, no obligations—just honest expertise from the gold standard in reinsurance.
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.