Deep, technical, and independent analysis of reinsurance structures, tax, claims and loss ratios, reserves, and the trends shaping how dealers build wealth through F&I.
A four-pass method for reading any dealer reinsurance statement, whatever the administrator calls the sections: establish the reporting basis, follow production, follow claims and reserves, then reconcile the fund balance.
What a loss ratio actually measures, why earned premium and underwriting-year grouping change the answer, why a new program always looks good at first, and what really moves the number.
Every cost that comes out of a dealer reinsurance program, in the order money actually leaves the premium: the ceding fee, administration, claims handling, premium tax, and the entity-level costs that bite hardest at low volume. Plus a repeatable way to put two proposals on equal footing.
How dealer reinsurance companies are taxed under IRC §831 — 831(a) taxes underwriting and investment income; 831(b) is an election taxing only investment income. The premium limit, decision framework, and how a real dealer program differs from a micro-captive.
When dealership PVR stops improving, the cause is usually a system constraint, not one problem. How to confirm a plateau is real, diagnose the operational bottleneck with segmented evidence, and match a measured response to the actual cause.
How dealer reinsurance works for powersports dealerships — motorcycle, ATV, UTV, marine, and RV — the eligible products, how claims and seasonality differ, the structures, and what an owner should evaluate before choosing or expanding a program.
Read the deep analysis here. When you’re ready to compare programs, run the numbers, or score a partner, use the interactive tools on Dealer-Reinsurance.com. When you want hands-on help implementing a program, talk to Elite FI Partners.