Vehicle Service Contracts
Reinsure VSCs through your own dealer-owned company to retain underwriting profits, improve ownership experience, and increase per-deal F&I income instead of sending margin to outside providers.
Build a dealer-owned reinsurance strategy that helps independent dealerships retain underwriting profits, strengthen F&I performance, and gain more control over claims, compliance, and long-term growth. DealerRE has guided dealers nationwide for decades with structured programs designed to replace third-party profit leakage with a more profitable, better-managed model.
Explore core reinsured F&I products that help independent dealers retain profits and improve program control.
Reinsure VSCs through your own dealer-owned company to retain underwriting profits, improve ownership experience, and increase per-deal F&I income instead of sending margin to outside providers.
Create a dealer-owned GAP structure that keeps underwriting income in your business while offering flexible coverage options, deductible benefits, and stronger F&I profitability on financed vehicles.
Reinsure limited mechanical breakdown warranties to differentiate your dealership, control claims experience, and keep more of the profit generated by warranty sales.
Launch a reinsured CPO program with inspection standards and customizable warranty terms that support trust, repeat business, and dealer-owned profit retention.
Add a reinsurable ancillary protection product covering road hazards and roadside support while capturing underwriting profits from every eligible contract sold.
Reinsure theft prevention products like window etching and anti-theft labeling to create another profit center within your F&I menu and bundled offerings.
DealerRE helps independent dealers establish and manage dealer-owned reinsurance companies that turn high-performing F&I products into long-term profit centers. Instead of relying on third-party administrators to keep underwriting income, your dealership gains more control over claims experience, compliance, reporting, and program performance while building a stronger financial future.
See how dealers improve profitability, control, and customer experience through reinsurance.
"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 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..."
"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..."
"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!"
"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,..."
"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 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."
"We've done business with DealerRe for years and have been very happy with them!"
"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 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!"
"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."
"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 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..."
"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..."
"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!"
"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,..."
"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 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."
"We've done business with DealerRe for years and have been very happy with them!"
"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 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!"
"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."
"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 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..."
"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..."
"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!"
"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,..."
"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 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."
"We've done business with DealerRe for years and have been very happy with them!"
"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 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!"
"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."
Independent dealers choose DealerRE for experience, structure, and full-service support.
Founded in 1994, DealerRE brings decades of reinsurance guidance for independent dealers nationwide.
DealerRE manages legal forms, filings, tax returns, renewals, bookkeeping, and performance reporting.
Staff onboarding, F&I training classes, and menu support help dealerships implement programs confidently.
Their model is built around dealer profitability, transparent fees, and long-term program success.
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 operations through reinsurance. Starting in Southeast Virginia, he developed the company around practical dealer education, long-term relationships, and structured profit retention strategies. His experience has helped shape programs that allow dealers to move away from third-party dependence and toward greater control over underwriting income, claims performance, and business growth. Tim's leadership established DealerRE as a family company with a service-first mindset, and his work continues to influence how independent dealers nationwide approach reinsurance as a strategic financial tool rather than just another product offering.
President
Taylor Byrd serves as President of DealerRE and helps dealers understand how reinsurance can improve profitability, customer experience, and long-term business value. 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 strategic leadership with a strong understanding of dealer operations, helping clients evaluate opportunities to open and manage their own reinsurance companies. His background in leadership and communication supports DealerRE's consultative approach, making complex reinsurance concepts easier for dealers to apply in real-world F&I environments. He focuses on building partnerships that create measurable financial gains for dealership owners.
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 the operational realities dealers face when evaluating profitability, product performance, and customer experience. Since joining DealerRE in 2018, Parker has helped support clients with practical insight into how reinsurance programs fit into modern dealership workflows. His understanding of front-end and F&I processes allows him to connect strategy with execution, making implementation more effective for dealer clients. Parker's leadership supports DealerRE's mission of helping dealerships build stronger, more controlled, and more profitable reinsurance-backed programs.
Office Manager / Controller
Heather Spruill joined DealerRE in 2013 and plays a key role in keeping the company's client support and financial operations running smoothly. With an MBA and a strong commitment to service, she helps ensure dealers receive responsive communication and dependable administrative support throughout their reinsurance journey. Her work contributes to the consistency and professionalism that clients rely on when managing filings, reporting, and ongoing program needs. Heather's attention to detail and client-first mindset strengthen DealerRE's full-service model, giving dealers confidence that important operational and financial processes are handled with care. She is an important part of the internal structure that supports long-term client relationships and program stability.
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 reinsurance. Her background in strategic management and marketing supports a growth-focused approach that aligns well with dealership owners looking to strengthen F&I performance. Kristi works to connect DealerRE's solutions with the practical goals of independent dealers, helping them understand how dealer-owned reinsurance can support both immediate profitability and long-term business planning. Her ability to communicate strategy clearly makes her a valuable resource for dealerships exploring new revenue structures. She contributes to DealerRE's consultative culture by helping clients move from interest to informed action.
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 the products, processes, and profitability concerns dealers manage every day. That combination of insurance and dealership knowledge helps her support clients with relevant, informed guidance throughout their programs. Brenda's experience allows her to communicate effectively with dealer principals and F&I teams while helping maintain strong account relationships. Her perspective strengthens DealerRE's ability to serve clients with real-world insight, responsive support, and a clear understanding of dealership operations.
Dealer reinsurance 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 to a third-party provider, the dealer owns or benefits from a reinsurance company that assumes risk, earns premium income, and supports long-term wealth building, tax planning, and greater control over program performance.
Talk with DealerRE about program structure, products, and profitability.
DealerRE supports independent dealers across the country with structured reinsurance guidance and ongoing administration.
Nationwide
Service Reach
28+ Years
Years Proven
400+ Dealers
Dealers Helped
Ask if DealerRE can support your dealership operations.
Industry association member and sponsor.
Based on 36 Google reviews.
Decades of dealer reinsurance experience.
Share a few details about your dealership and goals. DealerRE can review your current F&I setup, explain suitable reinsurance options, and outline the next steps for implementation.
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