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 third-party providers.
Build a dealer-owned reinsurance strategy that helps your dealership retain underwriting profits, strengthen F&I performance, and gain more control over claims and customer programs. DealerRE has guided dealers nationwide since 1994 with structured reinsurance solutions, hands-on training, and full-service administration designed to support long-term profitability.
Explore dealer-owned reinsurance solutions built to improve F&I profitability, control claims, and retain more underwriting income.
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 third-party providers.
Create a dealer-owned GAP reinsurance structure that helps your dealership keep underwriting profits while offering flexible coverage options such as deductible benefits and higher LTV protection.
Reinsure limited mechanical breakdown warranties to customize coverage, manage claims experience, and keep more profit inside your dealership's long-term financial strategy.
Retain profits from tire and wheel protection products by reinsuring road hazard coverage and related ancillary benefits through your own reinsurance company.
Reinsure theft prevention offerings like window etching and anti-theft labeling so your dealership captures underwriting income on each eligible product sold.
Add windshield repair as a reinsured ancillary product to keep more F&I revenue while supporting customers with practical road-hazard protection benefits.
DealerRE helps retail auto dealers replace outside product dependency with dealer-owned reinsurance structures that capture underwriting income, improve program control, and support smarter tax planning. From setup and training to claims administration, filings, renewals, and reporting, the program is built to help dealerships nationwide create stronger F&I performance with experienced guidance at every stage.
See how dealers improve profitability and control with structured reinsurance programs.
"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..."
"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,..."
"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!"
"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"
"We've been very pleased with our relationship with DealerRE and assured vehicle protection."
"DealerRE is professional, friendly, and very accurate in all of their reporting!"
"We've done business with DealerRe for years and have been very happy with them!"
"Excellent customer service! The team is very professional."
"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."
"Without question, starting our own Reinsurance Company is one of the best decisions I ever made in the used car business."
"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..."
"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,..."
"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!"
"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"
"We've been very pleased with our relationship with DealerRE and assured vehicle protection."
"DealerRE is professional, friendly, and very accurate in all of their reporting!"
"We've done business with DealerRe for years and have been very happy with them!"
"Excellent customer service! The team is very professional."
"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."
"Without question, starting our own Reinsurance Company is one of the best decisions I ever made in the used car business."
"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..."
"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,..."
"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!"
"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"
"We've been very pleased with our relationship with DealerRE and assured vehicle protection."
"DealerRE is professional, friendly, and very accurate in all of their reporting!"
"We've done business with DealerRe for years and have been very happy with them!"
"Excellent customer service! The team is very professional."
"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."
"Without question, starting our own Reinsurance Company is one of the best decisions I ever made in the used car business."
Dealers choose DealerRE for experience, administration support, and practical F&I guidance.
Serving dealers since 1994 with decades of reinsurance guidance and program development expertise.
DealerRE manages legal forms, filings, tax returns, renewals, and reporting for nationwide dealer clients.
Staff onboarding, F&I classes, and menu support help dealerships implement programs with confidence.
Programs are designed to help retail dealers retain underwriting income and maximize each deal.
Experienced leaders focused on dealer profitability.
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 advantages through dealer-owned structures. As the founder of a family company, Tim established DealerRE with a service-first mindset and a commitment to educating dealers on practical, sustainable growth strategies. His long-standing experience in the reinsurance space has helped shape DealerRE into a trusted resource for retail and BHPH dealers nationwide seeking more control over their programs and better performance from their F&I offerings.
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 podcast appearances and educational outreach. Taylor combines leadership, communication, and dealership-focused strategy to guide clients through program development, implementation, and long-term growth. His background includes service as a Captain in the South Carolina Army National Guard, which informs his disciplined and team-oriented leadership style. At DealerRE, he works closely with dealers who want to improve profitability, strengthen customer offerings, and gain more control over their F&I income streams.
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 insight into the daily realities dealers face when building profitable product programs. That background helps him relate closely to clients and recommend reinsurance structures that align with modern dealership operations. Parker also served in the Army Reserves as a CH-47 mechanic and later as a Crew-Chief, experience that reflects his discipline and operational focus. At DealerRE, he helps dealers evaluate opportunities, improve F&I performance, and implement practical systems that support stronger long-term profitability.
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 behind each reinsurance program runs smoothly, from communication and coordination to financial oversight. Her commitment to clients is reflected in the responsive, detail-oriented support she provides every day. Heather's leadership helps reinforce DealerRE's reputation for organized service and dependable follow-through, both of which matter when dealers need confidence in ongoing administration. Her blend of business education, practical management skills, and client-first professionalism supports the company's mission to help dealerships operate more efficiently and profitably.
VP of Business Development
Kristi Cashman serves as DealerRE's VP of Business Development and focuses on helping businesses improve efficiency, productivity, and profit potential. With a background in Strategic Management and Marketing, she brings a growth-oriented perspective to dealer relationships and program expansion. Her work supports dealerships that want to better understand how reinsurance can fit into a broader financial and operational strategy. Kristi is known for combining strong communication with practical business insight, helping clients move from interest to implementation with clarity. At DealerRE, she contributes to the company's educational and consultative approach, making complex reinsurance concepts easier for dealers to evaluate and apply in ways that support stronger long-term 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 valuable understanding of both insurance operations and dealership profitability. That combination helps her support clients with practical insight into how reinsurance programs function in real-world dealer environments. Brenda's experience allows her to communicate clearly with dealership teams, address operational questions, and help clients stay aligned with program goals. At DealerRE, she plays an important role in maintaining strong client relationships and supporting dealers as they work to retain more profit and improve control over their F&I offerings.
At a dealership, reinsurance is a structure that allows the dealer to participate in the underwriting profits generated by eligible F&I products instead of leaving those profits with a third-party provider. Through a dealer-owned reinsurance company, the dealership can reinsure products such as VSCs, GAP, limited warranties, and ancillary protections while gaining more control over claims performance, reserves, and long-term profitability.
Talk with our team about program structure, fit, and next steps.
DealerRE supports retail auto dealers across the country with reinsurance guidance, administration, and training.
Nationwide
Service Reach
Since 1994
Years Serving
400+ Dealers
Dealers Helped
Ask if your dealership model fits our nationwide program.
Industry association member and sponsor.
Longstanding reinsurance experience nationwide.
Backed by strong client reviews.
Share a few details about your dealership and goals. Our team will review your operation, discuss suitable reinsurance structures, and outline what implementation could look like.
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