GAP Reinsurance
Reinsure Guaranteed Asset Protection through your own dealer-owned reinsurance company and retain underwriting profits in a tax-advantaged captive structure with flexible LTV and deductible coverage options.
DealerRE helps auto dealers turn GAP from a third-party expense into a dealer-owned profit center. With decades of reinsurance experience, the team structures compliant, tax-advantaged programs that let dealerships retain underwriting profits, improve F&I performance, and gain more control over product design, claims outcomes, and long-term portfolio value.
Explore dealer-focused reinsurance programs that strengthen F&I income, protect portfolios, and keep more underwriting profit in-house.
Reinsure Guaranteed Asset Protection through your own dealer-owned reinsurance company and retain underwriting profits in a tax-advantaged captive structure with flexible LTV and deductible coverage options.
Protect lender interests when borrowers fail to maintain required insurance, while retaining underwriting profits on Vendor Single Interest coverage instead of paying outside providers.
Build a dealer-owned Collateral Protection Insurance program that helps reduce uninsured collateral losses and improves portfolio performance for BHPH dealers and lenders.
Reinsure Debt Cancellation Coverage to reduce write-offs after total losses and create a smoother path to place customers into another vehicle quickly.
Keep more profit from vehicle service contracts by replacing third-party participation with a dealer-owned reinsurance structure built for long-term F&I growth.
Offer customizable limited warranty programs backed by your own reinsurance company, giving your dealership more control over claims experience and profitability.
GAP insurance reinsurance gives dealers a smarter way to participate in the profitability of one of the most important F&I products. Instead of sending margin to outside providers, DealerRE helps structure dealer-owned reinsurance programs that support compliance, claims administration, and long-term financial control. The result is stronger per-deal income, better oversight, and a more valuable F&I operation.
See how dealers use reinsurance to improve F&I profitability and operational control.
"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..."
"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,..."
"DealerRE is professional, friendly, and very accurate in all of their reporting!"
"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 products, serious company, we already have a year doing business and we are really happy with the relationship with DealerRE. Highly recommended"
"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."
"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!"
"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."
"Excellent team of reinsurance professionals! has been a pleasure to work with"
"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..."
"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,..."
"DealerRE is professional, friendly, and very accurate in all of their reporting!"
"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 products, serious company, we already have a year doing business and we are really happy with the relationship with DealerRE. Highly recommended"
"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."
"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!"
"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."
"Excellent team of reinsurance professionals! has been a pleasure to work with"
"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..."
"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,..."
"DealerRE is professional, friendly, and very accurate in all of their reporting!"
"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 products, serious company, we already have a year doing business and we are really happy with the relationship with DealerRE. Highly recommended"
"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."
"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!"
"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."
"Excellent team of reinsurance professionals! has been a pleasure to work with"
Dealers rely on DealerRE for experienced guidance, full-service administration, and long-term reinsurance support.
Founded in 1994, DealerRE brings decades of proven reinsurance expertise to dealership profit strategy.
DealerRE manages legal forms, filings, tax returns, renewals, reporting, and claims administration.
Staff onboarding, F&I training, and menu support help dealerships implement programs with confidence.
Serving over 400 dealers nationwide, the team focuses on measurable results and responsive support.
Experienced leaders focused on dealer profitability and support.
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 through dealer-owned structures. As the founder of a family company, Tim has shaped DealerRE around service, education, and practical guidance for dealers navigating complex reinsurance decisions. His long-standing industry perspective gives clients confidence when evaluating GAP, warranty, and ancillary product opportunities. Under his leadership, DealerRE has grown from its Virginia roots into a nationwide resource for dealers seeking experienced, relationship-driven reinsurance support.
President
Taylor Byrd serves as President of DealerRE and helps dealers 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 podcasts and educational appearances. Taylor combines leadership, communication, and dealership-focused strategy to help clients evaluate GAP and other F&I profit opportunities with clarity. His background includes service as a Captain in the South Carolina Army National Guard, which informs his disciplined and team-oriented approach. At DealerRE, he works closely with dealers who want more control over profitability, compliance, and customer experience through well-structured reinsurance programs.
Vice President of DealerRE
Parker Byrd brings direct dealership experience to his role as Vice President of DealerRE, having previously worked as both an F&I Manager and salesperson at local dealerships. That background helps him relate to the day-to-day realities dealers face when evaluating product performance, customer value, and profitability. Since joining DealerRE in 2018, Parker has helped clients understand how reinsurance programs can fit into modern dealership operations and support stronger financial outcomes. His practical perspective is especially valuable for dealers looking to improve F&I execution without losing sight of operational demands. Parker combines field experience, leadership, and a service mindset to help dealerships implement reinsurance strategies that are both workable and profitable.
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 consistency. As Office Manager and Controller, she helps ensure dealers receive responsive communication, organized administration, and dependable follow-through throughout their relationship with DealerRE. Her commitment to service is reflected in the trust she builds with clients from the first conversation onward. Heather supports the internal systems that keep reinsurance programs moving efficiently, from day-to-day coordination to financial oversight. Her professionalism and attention to detail strengthen DealerRE's full-service model, giving dealers confidence that important administrative and support functions are handled with care and accountability.
VP of Business Development
Kristi Cashman serves as VP of Business Development and helps DealerRE clients identify ways 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 dealership conversations about F&I performance and long-term business value. Kristi works with dealers who want more than a product provider; they want a partner who understands how operational decisions affect profitability. Her ability to connect strategy with execution makes her a valuable resource for dealerships exploring GAP reinsurance and related opportunities. She supports DealerRE's mission by helping clients move from interest and education to confident action and measurable results.
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 client priorities. That combination helps her support dealers with insight that is both administrative and operational. Brenda understands the importance of clear communication, dependable service, and keeping programs aligned with dealership goals. Her experience makes her a strong point of contact for clients navigating reinsurance structures, product questions, and ongoing account needs. She helps reinforce DealerRE's reputation for knowledgeable, relationship-based support.
GAP insurance reinsurance for dealers is a structure that allows a dealership to reinsure GAP products through its own dealer-owned reinsurance company rather than relying entirely on a third-party provider. When set up properly, the dealer can retain underwriting profits, participate in investment income, and gain more control over product performance, claims oversight, and long-term F&I profitability.
Speak with our team about GAP and dealer-owned program options.
DealerRE supports dealerships across the country with reinsurance guidance, administration, and long-term program management.
Since 1994
Years Serving
400+ Dealers
Dealers Helped
Nationwide
Service Reach
Ask if DealerRE can support your market and program goals.
Member and sponsor in dealer industry.
Active across multiple state dealer associations.
Clients include recognized quality dealer leaders.
Share a few details about your dealership and goals. Our team will review your questions, explain the reinsurance structure, and outline practical next steps for evaluating a dealer-owned GAP program.
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