Vehicle Service Contracts
Reinsure VSCs through your own dealer-owned company so underwriting profits stay with your dealership instead of outside providers, while improving ownership experience and long-term F&I performance.
Build a Producer Owned Reinsurance Company (PORC) that helps your dealership retain underwriting profits, gain more control over F&I performance, and replace third-party product dependency with a structured, tax-advantaged strategy. DealerRE guides auto dealers nationwide through setup, administration, training, and ongoing support so your PORC becomes a practical profit center, not just a concept.
Structured PORC solutions that help dealers retain profits across core F&I and ancillary product categories.
Reinsure VSCs through your own dealer-owned company so underwriting profits stay with your dealership instead of outside providers, while improving ownership experience and long-term F&I performance.
Place Guaranteed Asset Protection into a PORC structure to retain profit on a high-demand F&I product while offering flexible coverage options and stronger control over program economics.
Create a reinsured limited warranty program that helps differentiate your dealership, manage claims experience, and keep more of the underwriting income generated by each contract.
Launch a reinsured CPO program with inspection standards and customizable warranty terms, allowing your dealership to build brand value while retaining underwriting profits.
Reinsure products like tire and wheel, windshield repair, theft protection, and door ding coverage to capture additional F&I income from every eligible retail unit.
Support BHPH operations with PORC structures for DCC, CPI, and VSI, helping reduce uninsured collateral losses and improve portfolio profitability over time.
A Producer Owned Reinsurance Company gives auto dealers a smarter way to participate in the underwriting profits generated by their own F&I products. Instead of sending margin to third-party providers, your dealership can build a compliant, tax-advantaged structure that supports profitability, claims oversight, and long-term financial flexibility. DealerRE provides the analysis, setup, training, reporting, and administration needed to make your PORC work in the real world.
See how dealerships use reinsurance structures to improve profit retention and program 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...."
"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..."
"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..."
"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..."
"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"
"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!"
"Without question, starting our own Reinsurance Company is one of the best decisions I ever made in the used car business."
"We've been very pleased with our relationship with DealerRE and assured vehicle protection."
"Excellent customer service! The team is very professional."
"DealerRE is professional, friendly, and very accurate in all of their reporting!"
"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."
"Excellent team of reinsurance professionals! has been a pleasure to work with"
"“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..."
"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...."
"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..."
"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..."
"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..."
"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"
"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!"
"Without question, starting our own Reinsurance Company is one of the best decisions I ever made in the used car business."
"We've been very pleased with our relationship with DealerRE and assured vehicle protection."
"Excellent customer service! The team is very professional."
"DealerRE is professional, friendly, and very accurate in all of their reporting!"
"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."
"Excellent team of reinsurance professionals! has been a pleasure to work with"
"“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..."
"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...."
"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..."
"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..."
"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..."
"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"
"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!"
"Without question, starting our own Reinsurance Company is one of the best decisions I ever made in the used car business."
"We've been very pleased with our relationship with DealerRE and assured vehicle protection."
"Excellent customer service! The team is very professional."
"DealerRE is professional, friendly, and very accurate in all of their reporting!"
"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."
"Excellent team of reinsurance professionals! has been a pleasure to work with"
"“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..."
DealerRE combines decades of reinsurance experience with dealership-focused support and full-service administration.
Founded in 1994, DealerRE brings decades of dealership reinsurance knowledge and practical execution.
DealerRE manages legal forms, filings, tax returns, renewals, reporting, and bookkeeping support.
Your staff receives onboarding, F&I training, and menu support to improve adoption and results.
Serving dealers coast to coast, DealerRE supports franchise, independent, and BHPH operations nationwide.
Experienced professionals focused on dealer profitability.
Founder
Tim Byrd founded DealerRE in 1994 in Southeast Virginia and has spent decades helping auto dealers build stronger, more profitable F&I operations through reinsurance. His work has centered on showing dealers how to retain underwriting profits, improve efficiency, and create long-term financial advantages through dealer-owned structures. As the founder of a family company, Tim established DealerRE with a service-first mindset and a commitment to education, practical guidance, and lasting client relationships. His experience across dealership reinsurance strategy, program development, and operational support has helped shape DealerRE into a trusted resource for dealers nationwide seeking a more controlled and profitable approach to F&I products.
President
Taylor Byrd serves as President of DealerRE and helps auto 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 dealership reinsurance through industry podcast appearances and educational outreach. Taylor combines leadership, communication, and dealership-focused strategy to help clients evaluate opportunities, improve F&I performance, and implement programs that support long-term profitability. His background in leadership and his active role in dealer education make him a key resource for principals and F&I directors looking for clear guidance on PORC structures, product participation, and sustainable program growth.
Vice President of DealerRE
Parker Byrd brings direct dealership experience to his role as Vice President of DealerRE, having previously worked at local dealerships as both an F&I Manager and Salesman. That firsthand background helps him relate to the daily realities dealers face when evaluating profitability, product performance, and customer experience. Since joining DealerRE, Parker has helped support clients with practical insight into how reinsurance programs fit into modern dealership operations. His understanding of front-end sales, F&I processes, and dealer priorities allows him to communicate PORC strategies in a way that is grounded, actionable, and relevant. Parker helps bridge the gap between reinsurance structure and real dealership execution.
Office Manager / Controller
Heather Spruill supports DealerRE clients through strong operational oversight and responsive administrative leadership. With an MBA and years of experience at DealerRE, she plays an important role in keeping internal processes organized and client communication efficient. Her commitment to service is reflected in the consistency and care she brings to day-to-day operations, helping ensure dealers receive timely support as they navigate program administration and ongoing account needs. Heather’s detail-oriented approach strengthens the company’s ability to deliver a smooth client experience, from initial communication through ongoing service. Her blend of business education, reliability, and client focus makes her a valuable part of the DealerRE team.
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. With a background in Strategic Management and Marketing, she brings a growth-oriented perspective to dealership development and client relationships. Kristi works closely with dealers to communicate the value of PORC structures in a clear, practical way, helping them understand how reinsurance can support stronger F&I performance and long-term business goals. Her ability to connect strategy with real-world business outcomes makes her an important resource for dealers exploring new ways to retain profits and strengthen their operations.
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 of insurance knowledge and dealership experience helps Brenda support clients with informed, relevant guidance as they manage reinsurance-related programs. She understands the importance of responsiveness, clarity, and dependable service when dealers are evaluating products, claims considerations, and account needs. Brenda’s experience makes her a strong point of contact for clients seeking knowledgeable support from someone who understands both insurance and the dealership environment.
A producer-owned reinsurance company, often called a PORC, is a business structure that allows an eligible producer such as an auto dealer to participate in underwriting profits generated by selected F&I products. Instead of sending those profits entirely to third-party providers, the dealer’s reinsurance company can retain them within a compliant, tax-advantaged framework while supporting claims reserves, administration, and long-term financial planning.
Speak with our team about structure, products, and next steps.
Active industry member and sponsor.
Longstanding dealership reinsurance expertise.
Trusted by dealers nationwide.
Tell us about your dealership, current F&I products, and goals. Our team will review your opportunities and help you understand whether a PORC structure is the right fit.
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