Partner with the gold standard in dealer-owned reinsurance. For nearly three decades, we've helped auto dealers nationwide reclaim profits, control claims, and deliver exceptional customer experiences through comprehensive admin obligor reinsurance programs. Our proven structured solutions transform your F&I department into a profit center while ensuring compliance and peace of mind.
Comprehensive admin obligor reinsurance solutions that maximize dealer profitability and protect customer investments.
Reinsure extended warranties in your own company to capture underwriting profits previously sent to third parties. Customizable terms and coverage levels from 72-month exclusionary wraps to short-term powertrain contracts, designed to fit your inventory and business model.
Deficiency balance waiver covering the difference between insurance settlement and loan balance for total loss events. Features 150% or 125% LTV coverage, includes deductible coverage up to $1,000, and protects customers while generating dealer profits.
Reinsured waiver for BHPH dealers that covers total debt in case of vehicle loss, allowing customers to get into another car and resume payments. More affordable than full coverage insurance while reserving premiums in your reinsurance company.
Force-placed coverage protecting creditor interest when customers fail to maintain required physical damage insurance. Reinsure CPI in your dealer-owned company to capture underwriting profits while fulfilling credit agreement requirements.
Customizable mechanical breakdown coverages that differentiate your dealership from competitors. Reinsuring with your own company allows you to control the customer ownership experience and retain profits typically lost to third-party warranty providers.
Protects lenders when vehicles are damaged or destroyed without proper insurance coverage. Covers repossession inability losses, towing and storage costs, and skip tracing expenses, providing comprehensive creditor protection.
Structured reinsurance isn't just about compliance—it's about reclaiming the profits that have been flowing to third-party warranty and insurance companies. Our admin obligor programs allow you to establish your own A-rated reinsurance company, control claims experiences, and capture 100% of underwriting profits. With 28 years of proven expertise, we handle all legal filings, tax returns, claims adjudication, and compliance while you focus on selling cars and serving customers better.
Over 400 auto dealers have transformed their profitability with our reinsurance solutions.
"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!"
"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."
"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've done business with DealerRe for years and have been very happy with them!"
"Taylor, Parker, and their team are great to work with. I have been able to grow my reinsurance company with their help."
"Excellent team of reinsurance professionals! has been a pleasure to work with"
"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!"
"We've been very pleased with our relationship with DealerRE and assured vehicle protection."
"Great products, serious company, we already have a year doing business and we are really happy with the relationship with DealerRE. Highly recommended"
"DealerRE is professional, friendly, and very accurate in all of their reporting!"
"we have been doing business with DealerRE for many years now and it has always been a strong benefit. we are very pleased with all their knowledge and help.. thank you!"
"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!"
"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."
"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've done business with DealerRe for years and have been very happy with them!"
"Taylor, Parker, and their team are great to work with. I have been able to grow my reinsurance company with their help."
"Excellent team of reinsurance professionals! has been a pleasure to work with"
"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!"
"We've been very pleased with our relationship with DealerRE and assured vehicle protection."
"Great products, serious company, we already have a year doing business and we are really happy with the relationship with DealerRE. Highly recommended"
"DealerRE is professional, friendly, and very accurate in all of their reporting!"
"we have been doing business with DealerRE for many years now and it has always been a strong benefit. we are very pleased with all their knowledge and help.. thank you!"
"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!"
"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."
"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've done business with DealerRe for years and have been very happy with them!"
"Taylor, Parker, and their team are great to work with. I have been able to grow my reinsurance company with their help."
"Excellent team of reinsurance professionals! has been a pleasure to work with"
"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!"
"We've been very pleased with our relationship with DealerRE and assured vehicle protection."
"Great products, serious company, we already have a year doing business and we are really happy with the relationship with DealerRE. Highly recommended"
"DealerRE is professional, friendly, and very accurate in all of their reporting!"
"we have been doing business with DealerRE for many years now and it has always been a strong benefit. we are very pleased with all their knowledge and help.. thank you!"
The gold standard in reinsurance for auto dealers nationwide.
Proven track record since 1994 helping dealers maximize F&I profitability with admin obligor reinsurance solutions backed by A-rated insurers.
We manage all legal forms, filings, tax returns, compliance, claims adjudication, training, performance reports, and financials—no hidden fees or surprises.
Exceptional onboarding, ongoing training, F&I development classes, custom menus, and responsive support. We only succeed when you do—a true partnership approach.
Premium reserves can be invested for additional ROI and used for real estate, education, dealership reinvestment, or personal wealth building—maximizing every dollar.
Faith-driven experts dedicated to dealer success.
Founder
Tim Byrd founded DealerRE in 1994 in Southeast Virginia with a mission to help auto dealers expand their F&I programs for greater efficiency and profitability. Building on a foundation of faith and integrity rooted in Christian principles, Tim pioneered comprehensive reinsurance solutions for the independent and franchise dealer community. Over nearly three decades, his vision has transformed how dealers approach F&I profitability, helping them reclaim underwriting profits and control their customer ownership experiences. Tim's commitment to ethical business practices and dealer success has made DealerRE the gold standard in the reinsurance industry. His leadership continues to guide dealers nationwide toward financial well-being while maintaining the highest standards of service and compliance. Under Tim's direction, DealerRE has become a trusted partner for over 400 dealerships coast to coast.
President
Taylor Byrd leads DealerRE as President, bringing military leadership discipline honed during his service as a Captain in the South Carolina Army National Guard to the reinsurance industry. A sought-after speaker at National and State Independent Dealer Association events, Taylor has been featured on The Independent Dealer Podcast discussing reinsurance opportunities for dealers. He co-authored 'Race To The Finish Line: Creating Winning Relationships With Customers,' sharing insights on customer-centric business practices. Taylor's strategic vision focuses on helping dealers maximize profitability while maintaining ethical standards rooted in Christian faith. His approach emphasizes that DealerRE exists to positively impact people and shine the light of Christ on clients, their customers, and partners through the vehicle of reinsurance. Under Taylor's leadership, the company continues to innovate admin obligor programs that transform dealer F&I departments into profit centers while ensuring exceptional customer experiences and regulatory compliance.
Vice President of DealerRE
Parker Byrd joined DealerRE in 2018 after gaining invaluable frontline experience working as both an F&I Manager and Salesman at two local dealerships. This hands-on dealership experience gives Parker unique insight into the challenges modern dealers face and allows him to relate authentically to clients' daily operations. Simultaneously serving as a CH-47 Crew-Chief in the Army Reserves since 2015, Parker brings military precision and discipline to his role. His dual career path—combining aviation mechanics expertise with business acumen—shapes his strategic approach to helping dealers optimize their reinsurance programs. Currently pursuing a degree in Business Administration, Parker continues expanding his knowledge to better serve DealerRE clients. Residing in Tappahannock, Virginia with his high school sweetheart, Parker embodies the family values and work ethic that define DealerRE's culture. His combination of practical dealership knowledge, military leadership, and commitment to continuous learning makes him an invaluable resource for dealers seeking to maximize their F&I profitability.
Office Manager / Controller
Heather Spruill joined DealerRE in 2013, bringing fresh perspective and advanced business acumen after earning her MBA in 2012. Her exceptional commitment to client service has earned her the affectionate title of 'Office Queen' among team members and dealers alike. From the moment she answers the phone, Heather's dedication to solving problems and ensuring smooth operations is evident. As both Office Manager and Controller, she oversees critical financial operations, compliance documentation, and administrative processes that keep dealer reinsurance companies running seamlessly. Beyond her professional achievements, Heather demonstrates compassion through volunteer work with her husband Greg, serving the homeless and food insecure in their community. The mother of two grown sons, she also contributes to the industry by serving as Recording Secretary for The VIADA Charity Fund. When not managing DealerRE operations, Heather enjoys relaxing trips to the Outer Banks. Her organizational expertise, financial acumen, and servant's heart ensure that every dealer receives accurate, timely support for their reinsurance programs.
VP of Business Development
Kristi Cashman joined DealerRE with a passion for helping individuals and businesses reach their highest potential. Armed with a degree in Strategic Management and Marketing, Kristi brings deep expertise in optimizing business efficiency, productivity, and profit potential—skills that directly benefit dealers seeking to maximize their reinsurance programs. As VP of Business Development, she identifies opportunities for dealers to transform their F&I departments into robust profit centers while improving customer satisfaction. An accomplished author of two books, 'Focus' and 'You Are Perfect,' Kristi's insights on business and personal excellence extend beyond the dealership. She regularly speaks at women's conferences and seminars, sharing strategies for success and fulfillment. As a wife and mother to five children, Kristi understands the importance of balancing professional achievement with family values—a principle that aligns perfectly with DealerRE's faith-based culture. Her strategic vision and proven ability to help businesses unlock hidden potential make her an invaluable partner for dealers ready to take control of their F&I profitability.
Account Manager
Brenda West brings over 20 years of insurance industry experience to her role as Account Manager at DealerRE. Her comprehensive background includes hands-on dealership experience as an F&I Manager at a highly successful dealership, giving her unique insight into the daily challenges dealers face when managing F&I products and customer relationships. This dual expertise in both insurance and dealership operations positions Brenda as an ideal advisor for dealers navigating the complexities of reinsurance programs. A native of Yorktown, Virginia who now calls Locust Hill home, Brenda maintains strong ties to the Virginia dealership community. Her financial acumen combined with practical F&I management experience allows her to guide dealers through program setup, claims processes, and profitability optimization with confidence and clarity. As a devoted mother to two grown sons who remain central to her life, Brenda understands the importance of building lasting relationships—a quality that translates directly into the exceptional service she provides to DealerRE clients seeking to maximize their reinsurance investments.
Structured reinsurance is a financial arrangement where auto dealers establish their own reinsurance companies to underwrite F&I products like extended warranties, GAP coverage, and protection plans. Instead of paying premiums to third-party warranty companies, dealers collect premiums from customers, reserve them in their own A-rated reinsurance company, and pay claims directly. This admin obligor structure allows dealers to capture 100% of underwriting profits while maintaining compliance with state regulations. The reinsurance company is backed by highly-rated insurance carriers, ensuring financial stability and customer protection while maximizing dealer profitability.
Speak with our reinsurance experts to discover how much profit you're leaving on the table.
All programs backed by A-rated insurance carriers
Proud member and sponsor of National Independent Automobile Dealers Association
Nearly three decades of proven reinsurance expertise
Contact our reinsurance experts for a free consultation and profitability analysis. Discover how much you could be earning.
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