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A Dealer’s Guide to Insurance Programs

How to Right-Size Your Program to Maximize Profit

A Dealer’s Guide to Insurance Programs discusses an often overlooked area of profit potential: a dealership’s insurance programs.

Dealerships today have many options when deciding how to structure an insurance plan that best fits the needs of their organization. Created by Katz, Sapper & Miller’s Dealership and Buy Here-Pay Here Services Groups, this guide uses applicable financial examples to show how several different plan formats can impact profits. It also examines the following topics:

  • Commission-based Programs compares Straight Commission programs versus Retro Commission programs.
  • Benefits of Creating a Small Reinsurance Company discusses the tax benefits of a dealer-owned warranty company (DOWC) versus an offshore reinsurance company.
  • And for dealerships that do not qualify for special tax savings, the non-controlled foreign corporation (NCFC) may offer some advantages.

If we can be of further assistance, please do not hesitate to contact us. We are happy to discuss your options and help set up the plan that is right for your dealership. 

About the Authors

Kevin Sullivan, CPA, JD

Kevin Sullivan is a partner in Katz, Sapper & Miller’s Tax Services Group and a member of the firm's Dealership and Buy Here-Pay Here Services Groups. In charge of the firm’s insurance tax practices, Kevin has substantial experience in structuring businesses, mergers and acquisitions, and tax accounting methods.  

Jeff Taylor, CPA

Jeff Taylor is the partner-in-charge in Katz, Sapper & Miller's Dealership and Buy Here-Pay Here Services Groups. Jeff is experienced in the areas of mergers and acquisitions, cash management, financing, forecasts and projections, tax planning, and business structuring. 

About Katz, Sapper & Miller

Routinely named one of the Best of the Best accounting firms in the nation, Katz, Sapper & Miller has earned a reputation as a leader in the areas of accounting, tax and consulting services. Our 300-plus professionals serve a wide range of sophisticated clients in a variety of specialized industries.


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