In today's competitive auto market, your ability to manage risk isn't just a back-office function — it's a profit center. TDRMG helps BHPH dealers take control of their programs.
Participation structures allow dealers to form their own insurance and warranty programs and share in the underwriting profits — all while maintaining better control over risk exposure. Instead of handing margin to third parties, keep it where it belongs.
Share in underwriting profits that previously went to outside carriers and warranty companies.
Formalize your exposure strategy with structures designed specifically for BHPH dealerships.
Own your program. Set your own terms, coverage parameters, and claims management process.
Certain structures offer meaningful tax advantages while building long-term enterprise value.
Each structure serves different risk appetites, financial goals, and dealership sizes.
The dealer directly backstops the warranty or insurance obligation, retaining full control and maximum profit participation for well-capitalized operations.
A CFC allows dealers to participate in offshore underwriting profits with significant tax planning advantages for qualifying dealership groups.
The NCFC structure provides participation benefits with a different ownership threshold — suited for dealer groups seeking flexible arrangements.
A DOWC puts the dealer in the seat of the warranty company — owning the VSC program outright and capturing full margin on every contract sold.
Retro programs adjust premiums based on actual loss experience, rewarding dealers with strong claims histories with direct return of unearned reserves.
Not sure which structure fits? We'll walk you through a custom analysis based on your dealership's size, risk tolerance, and goals.
Schedule a ConsultationWhat is your current risk appetite — are you comfortable retaining more exposure in exchange for greater upside?
What are your financial goals — immediate income, long-term asset building, or tax optimization?
Are you content with your current dealership size or actively looking to scale operations?
Are you familiar with the regulatory and tax implications of each participation structure?
Do you have — or are you willing to build — the in-house expertise to manage a formal program?
TDRMG specializes exclusively in Buy Here Pay Here dealer risk structures. Our team will help you evaluate every option and connect you with the right program for your dealership today.
Request a DemoDon't leave underwriting profits on the table. Capitalize on a participation structure built for the way you do business.
* All programs subject to state regulations · info@tdrmg.com · 18601 LBJ Fwy Ste 722, Mesquite, TX 75150