Explore how dealer-owned reinsurance structures help automotive businesses retain underwriting profits, strengthen F&I performance, and adapt to changing market demands. This page highlights core reinsurance solutions, practical program benefits, and current trends shaping profitability, compliance, and customer experience for dealers evaluating smarter risk-transfer strategies.
Dealer-focused reinsurance programs designed to retain underwriting profits and strengthen long-term F&I performance.
Dealer-owned reinsurance for vehicle service contracts helps dealerships retain underwriting profits, improve ownership experience, and replace reliance on third-party product providers with a more controlled, tax-advantaged structure.
GAP reinsurance allows dealers to keep profits from waiver products that cover loan balance gaps after total loss, with flexible options that support stronger F&I income and customer value.
CPI reinsurance helps BHPH dealers and lenders protect uninsured collateral, reduce portfolio losses, and retain underwriting income through a dealer-owned reinsurance company.
DCC reinsurance supports BHPH operations by covering total debt after a loss event, reducing write-offs while helping dealers preserve customer relationships and recurring payment opportunities.
VSI reinsurance protects lender interests when borrowers lack required insurance and can also cover repossession-related expenses, helping dealers and lenders manage risk more effectively.
Reinsured limited warranty programs let dealers customize coverage, control claims experience, and retain profits that would otherwise go to outside warranty providers.
Dealer-owned reinsurance gives automotive businesses more control over product performance, claims outcomes, and profit retention. Instead of sending revenue to outside providers, dealers can structure programs around their goals, customer base, and risk profile. DealerRE helps clients evaluate opportunities, implement compliant programs, and manage the operational details needed to turn reinsurance into a durable financial asset.
See how dealerships use reinsurance programs to improve profitability, control products, and support long-term growth.
"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..."
"Taylor, Parker, and their team are great to work with. I have been able to grow my reinsurance company with their help."
DealerRE combines decades of experience with hands-on support for dealer-owned reinsurance programs.
Trusted since 1994, with decades of dealer-focused reinsurance guidance and program support.
Built specifically for franchise, independent, and BHPH dealers seeking stronger F&I profitability.
Support includes training, claims adjudication, compliance, reporting, bookkeeping, and renewals.
DealerRE has helped over 400 auto dealers build more profitable reinsurance programs.
Experienced leaders guiding dealer-owned reinsurance growth.
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.
Surety in reinsurance generally refers to arrangements involving financial guarantees, obligations, or performance-backed risk structures rather than traditional property or casualty exposure. In dealer-focused contexts, businesses often explore reinsurance to retain underwriting profits on F&I products and contractual obligations. The exact structure depends on the product, regulatory framework, and whether the program is built around warranties, waivers, or other dealer-administered offerings.
Speak with our team for clear, practical guidance.
Active industry association membership and support.
Decades of dealer reinsurance experience.
Strong client satisfaction and credibility.
Share your dealership goals and current F&I setup, and DealerRE will help you evaluate practical reinsurance opportunities.
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.