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Reinsurance and profit-sharing programs that let your dealership earn on the products it sells long after delivery day. We help you choose the structure that fits your goals.
Every protection product you sell carries underwriting profit. Premiums come in, claims go out, and whatever is left over belongs to whoever holds the risk. Under a standard arrangement the store takes the commission at delivery and the provider holds the rest.
Profit participation gives the store a share of that result. It fits naturally, because the store influences almost every variable that decides whether those contracts perform. You choose the products. You decide how they are presented. Your service department handles a large share of the work that turns into claims.
A participation structure lets the store earn on that work over the life of the contracts, not only on the day of delivery.
What We Offer
These are not interchangeable, and the right answer depends on the size of the store, the mix, and how much risk the owner wants to hold.
The options differ in how much risk transfers to you, how the income is treated, and how much administration comes with it. A structure that suits a twelve point group is different from one that suits a single store, and we match it to yours.
More participation means more upside and more variation from one claims year to the next. That is a decision about the owner's appetite, not a technical question with one correct answer.
Once the store has a stake in claims performance, the menu naturally favors the products that hold up, and that benefits everything else on it.
How income comes out, on what schedule, and what happens if the store is sold. We set this out at the start, so it is clear long before any sale.
Our Process
This is a long-horizon decision, and we make it with the numbers in front of you.
Common Questions
No, though scale changes which structure fits. The volume question is about whether your book is large enough for claims to behave predictably. For a smaller book a single year has more influence on the result, and we walk through that with you before anything is set up.
Your share of the result is lower that year, which is the other side of the upside. How much depends on the structure, which is why we choose it with you deliberately.
It does not change the presentation. It shapes what goes on the menu, because the products that hold up at claim time now add directly to your income.
That belongs in the structure from the beginning. The answer differs by structure, and an owner who expects to sell within a few years should weigh that before choosing one.
The assessment includes what your current products are producing and whether participation is worth modeling for a store your size.
