GAP Reinsurance
Reinsure Guaranteed Asset Protection through your own dealer-owned reinsurance company and retain underwriting profits in a tax-advantaged captive structure with flexible LTV and deductible coverage options.
DealerRE helps auto dealers turn GAP from a third-party expense into a dealer-owned profit center. With decades of reinsurance experience, the team structures compliant, tax-advantaged programs that let dealerships retain underwriting profits, improve F&I performance, and gain more control over product design, claims outcomes, and long-term portfolio value.
Explore dealer-focused reinsurance programs that strengthen F&I income, protect portfolios, and keep more underwriting profit in-house.
Reinsure Guaranteed Asset Protection through your own dealer-owned reinsurance company and retain underwriting profits in a tax-advantaged captive structure with flexible LTV and deductible coverage options.
Protect lender interests when borrowers fail to maintain required insurance, while retaining underwriting profits on Vendor Single Interest coverage instead of paying outside providers.
Build a dealer-owned Collateral Protection Insurance program that helps reduce uninsured collateral losses and improves portfolio performance for BHPH dealers and lenders.
Reinsure Debt Cancellation Coverage to reduce write-offs after total losses and create a smoother path to place customers into another vehicle quickly.
Keep more profit from vehicle service contracts by replacing third-party participation with a dealer-owned reinsurance structure built for long-term F&I growth.
Offer customizable limited warranty programs backed by your own reinsurance company, giving your dealership more control over claims experience and profitability.
GAP insurance reinsurance gives dealers a smarter way to participate in the profitability of one of the most important F&I products. Instead of sending margin to outside providers, DealerRE helps structure dealer-owned reinsurance programs that support compliance, claims administration, and long-term financial control. The result is stronger per-deal income, better oversight, and a more valuable F&I operation.
See how dealers use reinsurance to improve F&I profitability and operational control.
"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!"
"Excellent team of reinsurance professionals! has been a pleasure to work with"
"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."
"We've been very pleased with our relationship with DealerRE and assured vehicle protection."
"We've done business with DealerRe for years and have been very happy with 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!"
"Excellent team of reinsurance professionals! has been a pleasure to work with"
"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."
"We've been very pleased with our relationship with DealerRE and assured vehicle protection."
"We've done business with DealerRe for years and have been very happy with 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!"
"Excellent team of reinsurance professionals! has been a pleasure to work with"
"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."
"We've been very pleased with our relationship with DealerRE and assured vehicle protection."
"We've done business with DealerRe for years and have been very happy with them!"
Dealers rely on DealerRE for experienced guidance, full-service administration, and long-term reinsurance support.
Founded in 1994, DealerRE brings decades of proven reinsurance expertise to dealership profit strategy.
DealerRE manages legal forms, filings, tax returns, renewals, reporting, and claims administration.
Staff onboarding, F&I training, and menu support help dealerships implement programs with confidence.
Serving over 400 dealers nationwide, the team focuses on measurable results and responsive support.
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.
GAP insurance reinsurance for dealers is a structure that allows a dealership to reinsure GAP products through its own dealer-owned reinsurance company rather than relying entirely on a third-party provider. When set up properly, the dealer can retain underwriting profits, participate in investment income, and gain more control over product performance, claims oversight, and long-term F&I profitability.
Speak with our team about GAP and dealer-owned program options.
DealerRE supports dealerships across the country with reinsurance guidance, administration, and long-term program management.
Since 1994
Years Serving
400+ Dealers
Dealers Helped
Nationwide
Service Reach
Ask if DealerRE can support your market and program goals.
Member and sponsor in dealer industry.
Active across multiple state dealer associations.
Clients include recognized quality dealer leaders.
Share a few details about your dealership and goals. Our team will review your questions, explain the reinsurance structure, and outline practical next steps for evaluating a dealer-owned GAP program.
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.