Explore how DealerRE helps auto dealers structure dealer-owned reinsurance programs that retain underwriting profits, strengthen F&I performance, and improve long-term portfolio control. Backed by decades of experience since 1994, this guide explains key L&H-related reinsurance options, operational advantages, and what dealerships should evaluate when building a more profitable program.
Dealer-owned reinsurance solutions designed to help dealerships retain profits, manage risk, and strengthen F&I program performance.
DealerRE helps dealerships reinsure vehicle service contracts through their own reinsurance company, allowing them to retain underwriting profits, improve customer ownership experiences, and reduce reliance on third-party product providers.
GAP reinsurance programs help dealers retain profits on waiver products that cover the difference between insurance settlements and loan balances after a total loss, with flexible coverage structures available.
For BHPH dealers, DCC reinsurance can reduce write-offs and support portfolio stability by covering total debt after a qualifying total loss while keeping underwriting income inside the dealer-owned structure.
CPI reinsurance protects creditor interests when borrowers fail to maintain required insurance, helping BHPH dealers and lenders reduce uninsured collateral losses while retaining program profitability.
VSI reinsurance supports dealers and lenders with protection for uninsured damage, repossession-related losses, towing, storage, and skip tracing expenses through a dealer-owned reinsurance model.
Limited warranty reinsurance allows dealers to offer customizable mechanical breakdown coverage while retaining underwriting profits and maintaining greater control over claims experience and customer lifecycle value.
DealerRE helps dealerships turn high-value F&I products into long-term financial assets through dealer-owned reinsurance. Instead of sending underwriting income to outside providers, dealers can retain profits, improve claims oversight, and support stronger customer offerings. With roots in Southeast Virginia and clients served coast to coast, DealerRE combines strategic guidance, compliance support, and operational administration to help dealers build sustainable reinsurance programs.
See how dealerships use reinsurance programs to improve profitability, control, and long-term F&I performance.
"I have been with the Byrd's for a couple of years now. It initially took me about a year to make the decision to even pull the trigger on re-insurance but they were there every step of the way and very patient while I made my decision. I trust them..."
DealerRE brings experience, structure, and hands-on support to dealer-owned reinsurance programs.
Trusted since 1994, DealerRE brings decades of reinsurance guidance for dealerships nationwide.
The team manages legal forms, filings, tax returns, renewals, and ongoing administration.
Built for franchise, independent, and BHPH dealers seeking stronger F&I profitability and control.
DealerRE provides onboarding, staff training, menus, and performance support for lasting results.
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 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.
L&H reinsurance services generally refer to dealer-owned reinsurance structures tied to finance and insurance products that help dealerships retain underwriting profits instead of paying them to third-party providers. These programs can support products such as GAP, debt cancellation, service contracts, and related protections. The goal is to improve profitability, increase control, and create a more strategic long-term F&I model.
Speak with DealerRE for clear guidance on program options.
DealerRE supports dealerships across the country with reinsurance guidance, administration, and long-term program support.
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DealerRE works with dealers across the United States.
Industry association membership and sponsorship.
Longstanding experience serving dealers.
Strong client satisfaction and trust.
Reach out to discuss your dealership goals, current F&I structure, and the reinsurance options that may fit your business.
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.