Vehicle Service Contracts
Reinsure VSCs through your own dealer-owned company to retain underwriting profits, improve ownership experience, and reduce reliance on third-party warranty providers.
Build a dealer-owned reinsurance strategy that helps your store retain underwriting profits, improve F&I performance, and gain more control over claims, compliance, and long-term wealth creation. DealerRE has helped dealerships nationwide structure profitable programs around core products like VSC, GAP, ancillary protection, and BHPH-focused coverage.
Explore dealer-owned reinsurance solutions built to retain profits across high-value F&I products and dealership protection programs.
Reinsure VSCs through your own dealer-owned company to retain underwriting profits, improve ownership experience, and reduce reliance on third-party warranty providers.
Structure dealer-owned GAP reinsurance programs that keep more F&I income in-house while offering flexible coverage options and tax-advantaged profit retention.
Create customizable limited warranty programs backed by your reinsurance company, giving your dealership more control over claims experience and profitability.
Reinsure tire and wheel protection as an ancillary F&I product to capture underwriting income on road-hazard coverage and roadside benefits.
Add reinsured theft prevention products like window etching and anti-theft labeling to strengthen your F&I menu and retain more per-unit profit.
Support BHPH operations with reinsured DCC, CPI, and VSI structures designed to reduce uninsured losses and improve portfolio performance.
An F&I reinsurance program gives dealerships a smarter way to participate in the profitability of products they already sell. Instead of sending margin to outside providers, your store can build a compliant dealer-owned structure that supports underwriting income, claims oversight, tax planning, and long-term asset growth. DealerRE provides the guidance, administration, and training needed to make the program practical and scalable.
See how dealerships use reinsurance to improve profitability, control, and long-term F&I performance.
"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...."
"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!"
"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..."
"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..."
"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'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!"
"Tim is a good Christian man who is going to be honest with you, tell you if the program is going to work for you, and how best it will work for you. They have so many options there is something for everybody."
"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!"
"The program that they put together is just perfect for our organization!"
"Great products, serious company, we already have a year doing business and we are really happy with the relationship with DealerRE. Highly recommended"
"“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..."
"Excellent customer service! The team is very professional."
"We've done business with DealerRe for years and have been very happy with them!"
"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...."
"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!"
"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..."
"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..."
"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'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!"
"Tim is a good Christian man who is going to be honest with you, tell you if the program is going to work for you, and how best it will work for you. They have so many options there is something for everybody."
"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!"
"The program that they put together is just perfect for our organization!"
"Great products, serious company, we already have a year doing business and we are really happy with the relationship with DealerRE. Highly recommended"
"“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..."
"Excellent customer service! The team is very professional."
"We've done business with DealerRe for years and have been very happy with them!"
"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...."
"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!"
"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..."
"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..."
"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'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!"
"Tim is a good Christian man who is going to be honest with you, tell you if the program is going to work for you, and how best it will work for you. They have so many options there is something for everybody."
"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!"
"The program that they put together is just perfect for our organization!"
"Great products, serious company, we already have a year doing business and we are really happy with the relationship with DealerRE. Highly recommended"
"“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..."
"Excellent customer service! The team is very professional."
"We've done business with DealerRe for years and have been very happy with them!"
Dealers choose DealerRE for experienced guidance, full-service administration, and practical support that improves program performance.
Founded in 1994, DealerRE brings decades of dealership-focused reinsurance knowledge and operational insight.
DealerRE manages legal forms, filings, renewals, tax returns, bookkeeping, and performance reporting.
Staff onboarding, F&I classes, and menu support help dealerships nationwide improve execution and consistency.
With no hidden additional fees, the program is built around transparent, long-term dealer success.
Experienced professionals guiding dealership reinsurance growth.
Founder
Tim Byrd founded DealerRE in 1994 in Southeast Virginia and has spent decades helping dealers build stronger, more profitable F&I operations through reinsurance. His work has centered on showing dealership owners how to retain underwriting profits, improve efficiency, and create long-term financial value instead of relying solely on third-party product providers. Tim's leadership helped establish DealerRE as a trusted resource for independent, franchise, and BHPH dealers across the country. As the founder of a family-run company, he has shaped the organization around service, education, and practical guidance for dealers who want more control over their programs and results.
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 association events, he is known for educating dealer principals and F&I leaders on profit retention, program structure, and long-term opportunity. Taylor has also appeared on The Independent Dealer Podcast and co-authored a book focused on building winning customer relationships. His leadership combines industry education, operational insight, and a strong commitment to helping dealers create sustainable, better-managed F&I programs that support both customer experience and business growth.
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 understanding of the pressures dealers face in today's retail environment. That background helps him relate closely to clients and recommend reinsurance strategies that fit real-world dealership operations. Parker's experience bridges front-end sales, F&I execution, and long-term program development, making him a valuable resource for stores looking to improve profitability and control. His practical perspective helps DealerRE clients implement programs that are both effective and manageable.
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 administration. As Office Manager and Controller, she helps ensure the organization delivers responsive communication, organized financial oversight, and dependable day-to-day service for dealership clients. Her commitment to client care is reflected in the trust she has built with dealers who rely on DealerRE for consistent support throughout the life of their programs. Heather's blend of business education, administrative leadership, and service-minded professionalism strengthens the company's ability to provide a smooth and well-managed experience.
VP of Business Development
Kristi Cashman serves as VP of Business Development and helps DealerRE clients identify opportunities to improve efficiency, productivity, and profit potential through better program strategy. With a background in Strategic Management and Marketing, she brings a growth-focused perspective to dealership relationships and supports stores looking to strengthen their F&I performance. Kristi is known for helping businesses clarify goals and move toward higher levels of operational success. Her ability to connect strategy with practical execution makes her an important part of DealerRE's consultative approach, especially for dealers evaluating how reinsurance can support broader business development and long-term financial planning.
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 product administration and dealership operations. That combination helps her support clients with practical insight into how reinsurance programs function in the real world. Brenda's experience allows her to communicate clearly with dealer teams, address operational questions, and help maintain strong client relationships. Her background makes her especially valuable to dealerships seeking knowledgeable support from someone who understands both insurance and F&I from the inside.
F&I reinsurance is a structure that allows a dealership to participate in the underwriting profits generated by certain finance and insurance products it sells. Instead of sending those profits entirely to a third-party provider, the dealer can use a dealer-owned reinsurance company to retain income, support claims funding, and build long-term financial assets in a compliant, tax-advantaged framework.
Talk with our team about structure, products, and dealer fit.
DealerRE supports dealerships across the country with reinsurance guidance, administration, and long-term program management.
Nationwide
Service Reach
28 Years
Years Proven
400+ Dealers
Dealers Served
We work with dealers across the United States.
Industry association membership and sponsorship.
Active across multiple dealer associations.
Backed by strong client satisfaction.
Share a few details about your dealership and goals. Our team will review your current F&I setup and outline practical next steps.
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