Reinsurance Dealer Participation Programs Explained

Dealer participation programs can help auto dealer principals keep more of the underwriting profit generated by F&I products instead of sending it to third-party administrators. WarrantyRE helps dealers understand, structure, and manage reinsurance programs designed to support profitability, customer experience, compliance-minded administration, and long-term ownership of warranty-related revenue.

Dealer principal reviewing reinsurance program documents

Our Reinsurance Dealer Participation Services

Dealer-focused reinsurance solutions designed to retain profits, improve F&I performance, and support stronger customer ownership experiences.

Vehicle Service Contracts

WarrantyRE helps dealer principals reinsure vehicle service contracts sold at the dealership, allowing underwriting profits to remain in a dealer-owned, tax-advantaged reinsurance structure.

Franchise Retail Products

Franchise and retail dealers can reinsure products such as VSC, GAP, certified pre-owned programs, tire and wheel, theft prevention, and windshield repair.

BHPH Product Solutions

Buy Here Pay Here dealers can reinsure products including CPI, limited warranties, VSC, GAP, VSI, and debt cancellation coverage to protect portfolios and retain profits.

Dealership reinsurance planning meeting

How Dealer Participation Programs Work

Analyze Your F&I Product Opportunity

WarrantyRE reviews your dealership’s current warranty and insurance product mix, including vehicle service contracts, GAP, limited warranties, and related F&I offerings, to identify where underwriting profits are currently leaving the store.

Design the Reinsurance Structure

Set Up Company and Administration

Retain and Optimize Underwriting Profits

Proven Profit Strategy

Dealer Success

WarrantyRE has helped hundreds of auto dealers become more profitable through reinsured warranty programs.

"Without question, starting our own Reinsurance Company is one of the best decisions I ever made in the used car business."

Tracy Myers
The WarrantyRE Difference

Why Choose WarrantyRE?

Dealers work with WarrantyRE for experienced guidance, full-service administration, and profit-focused program design.

Since 1994

Proven reinsurance expertise built over more than 30 years serving dealer principals.

Profit Retention

Programs help dealers capture underwriting profits third-party warranty companies typically keep.

Full Administration

WarrantyRE manages claims, compliance, reporting, bookkeeping, filings, tax returns, and renewals.

Dealer Focus

Solutions are built for franchise, retail, independent, and Buy Here Pay Here dealerships.

Meet The WarrantyRE Team

Experienced reinsurance leaders supporting dealer-owned program success.

Tim Byrd, Founder

Tim Byrd

Founder

Tim Byrd founded WarrantyRE in 1994 in Southeast Virginia with a vision to help business owners build more efficient and profitable warranty programs. Over the decades, he has guided the company from its roots in automotive reinsurance into expanded solutions for home service industries, including HVAC. His experience centers on helping owners replace third-party warranty arrangements with contractor-owned structures that retain underwriting profits and improve long-term financial performance. Tim's leadership has shaped WarrantyRE's reputation for practical guidance, compliance-minded administration, and relationship-driven service. His work continues to focus on helping HVAC contractors create stronger businesses through smarter warranty strategy, better customer experience, and sustainable recurring revenue opportunities.

Taylor Byrd, President

Taylor Byrd

President

As President of WarrantyRE, Taylor Byrd helps lead the company's continued growth in contractor and dealer reinsurance solutions. Taylor supports clients through program development, operational alignment, and long-term strategy designed to help owners keep more of the profits generated by their warranty offerings. With WarrantyRE's decades-long foundation behind her, she plays a key role in maintaining a high standard of service while expanding the company's reach into industries like HVAC. Her leadership supports a client experience centered on clarity, responsiveness, and measurable business value. Taylor works to ensure contractors receive the structure, support, and administrative resources needed to launch and manage reinsurance programs with confidence and consistency.

Parker Byrd, Vice President

Parker Byrd

Vice President

Parker Byrd joined WarrantyRE in 2018 after serving six years in the United States Army as a Crew-Chief on CH-47 helicopters. As Vice President, he brings discipline, operational focus, and a service-first mindset to the company's work with contractors and dealers. Parker supports clients as they establish new reinsurance companies and navigate the practical steps involved in building profitable warranty programs. His background reflects a strong commitment to structure, accountability, and helping businesses operate more effectively. For HVAC contractors, that means working with a team leader who understands the importance of dependable systems, clear processes, and long-term planning. Parker's role helps ensure clients receive steady guidance as they transition away from third-party warranty providers toward ownership and profit retention.

Heather Spruill, Office Manager and Controller

Heather Spruill

Office Manager / Controller

Heather Spruill joined WarrantyRE in 2013 after earning her MBA and has become a key part of the company’s day-to-day operations and financial oversight. As Office Manager and Controller, she helps ensure clients receive responsive support and organized administration throughout the life of their warranty programs. Her role is especially valuable for contractors who need dependable coordination around reporting, documentation, and internal processes. Heather is known for her commitment to clients and her ability to keep complex workflows moving smoothly, which supports the high-touch service model WarrantyRE is known for. Her blend of financial knowledge, operational discipline, and customer care helps roofing contractors feel supported as they transition to a contractor-owned workmanship warranty structure.

Kristi Cashman VP of Business Development headshot

Kristi Cashman

VP of Business Development

Kristi Cashman brings strategic management and marketing expertise to WarrantyRE's client growth efforts. With a passion for helping individuals and businesses reach their highest potential, she works closely with clients who want to improve efficiency, productivity, and profitability through reinsurance. As VP of Business Development, Kristi helps communicate the value of contractor-owned warranty programs in a way that is practical, clear, and growth-focused. Her background supports businesses that need both strategic insight and actionable guidance as they evaluate alternatives to third-party warranty providers. Kristi's ability to connect business goals with operational solutions makes her a valuable resource for contractors looking to build stronger margins and long-term customer loyalty.

Brenda West headshot

Brenda West

Account Manager

Brenda West brings more than 20 years of insurance industry experience to her role as Account Manager at WarrantyRE. Her background also includes financial experience as an F&I Manager at a successful dealership, giving her a strong understanding of program performance, customer-facing products, and profitability. That combination helps her support clients with practical insight as they establish and manage their own warranty reinsurance structures. Brenda understands how important clarity, responsiveness, and follow-through are when businesses are making strategic financial decisions. Her experience helps clients feel supported throughout the process, from setup questions to ongoing account needs, making her a dependable point of contact for businesses seeking a more profitable warranty model.

Courtney Norville headshot

Courtney Norville

Business Development Associate

Courtney Norville joined WarrantyRE in 2023, bringing organizational strength and detail-oriented support developed through her background in property management. In her role as Business Development Associate, she assists clients as they form new companies and move through the early stages of implementation. Her ability to keep processes organized and communication clear is especially valuable for contractors navigating the setup of a new warranty reinsurance structure. Courtney helps ensure clients have the support they need during a critical phase of program development, contributing to a smoother onboarding experience. Her practical mindset and commitment to service make her an important part of the team that helps businesses launch with confidence.

Ryleigh headshot

Ryleigh

Administrative Assistant

Ryleigh joined WarrantyRE in 2020 and quickly became a valued part of the team through her strong desire to help others and support daily operations. As Administrative Assistant, she contributes to the organized, responsive experience clients rely on when working through program setup and ongoing administration. Her role helps keep communication moving, details managed, and internal processes supported so the broader team can serve clients efficiently. Ryleigh's dependable approach and positive attitude strengthen the client experience behind the scenes, especially for businesses that need timely answers and coordinated support. She represents the kind of attentive service that helps WarrantyRE maintain long-term relationships with the contractors and dealers it serves.

Frequently Asked Questions

What is a reinsurance dealer participation program?

A reinsurance dealer participation program lets a dealership participate in the underwriting results of F&I products such as vehicle service contracts, GAP, limited warranties, or protection products. Instead of all underwriting profit going to a third-party administrator or insurer, the dealer owns a reinsurance structure that can retain eligible profits while WarrantyRE supports setup, administration, claims, reporting, and compliance processes.

How does dealer reinsurance help retain warranty profits?

Which dealership products can be included in reinsurance?

Is this the same as selling a warranty to a car buyer?

What is the difference between reinsurance and a third-party warranty provider?

How long does it take to set up a dealer reinsurance company?

Are dealer reinsurance programs tax advantaged?

Who is a good fit for dealer participation programs?

Still Have Reinsurance Questions?

Talk with WarrantyRE about dealer participation program options.

Trusted Experience

Awards and Recognition

Since 1994 trust badge

Since 1994

Decades of practical reinsurance program expertise.

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400+ Dealers Served

Helped dealers improve profitability through reinsurance.

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Industry Sponsor

Supports industry associations across the country.

Ready to Explore Dealer Reinsurance?

Contact WarrantyRE to discuss your dealership’s F&I products, participation options, and potential profit retention strategy.

Contact Us Today

For immediate assistance, feel free to give us a direct call at (804) 824-9533.