Dealer Obligor
Service Contract Programs


Our focus is on the unique needs of our clients.
Go to Compliant Solutions

Compliant Solutions

Compliant solutions for State regulatory requirements and lender requirements.

Go to Detailed Reporting

Detailed Reporting

Detailed reporting on claims, exceptions, frequencies and severities. Ensure proper claims management and customer service.

Go to Variable Structures

Variable Structures

Low variable fee structures based on the coverage term, mileage and coverage.

Go to Stop Overpaying

Stop Overpaying

This is a dealer Obligor program and the dealer retains all the underwriting profit. The dealer only pay a small fee for a compliant solution, has control of the cash and can focus on sales.


Serving Automotive Dealers with Vehicle Service Contract Solutions.
Compliant Dealer Obligor VSC Solutions

If you are not selling several thousand contracts it can sometimes be difficult to obtain the proper insurance policy for state level or lender compliance for an in-house Service Contract Program.

Dealers have options on how to structure a program where they retain all the underwriting profit - with or without the use of reinsurance.

Don't overpay for a short term 3/3, 6/6, 12/12, 24/24 or long term 72/100 vehicle service contracts.

Great options exist allowing a dealer to controls the funds.

  • Take control of your business and invest in yourself

  • Utilizes dealer's local centers, detailed reporting and support

  • Contractual Liability Reimbursement Insurance or Contractual Liability Insurance Policy

  • Service Contract Reimbursement Insurance Policy

State Regulatory Overview

Many states require registration as a Service Contract Provider and/or some form of a financial guarantee to protect the consumer. Generally the requirement allows the use of a Service Contract Reimbursement Policy or Contractual Liability Reimbursement Policy as a means to satisfy the financial guarantee.

Every state is different and the regulations change often with around 40 states requiring some form of registration and/or financial guarantee for a Third Party Obligor, Administrator Obligor and/or a Dealer Obligor program.

States include the following with changes taking places constantly: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Oklahoma, Oregon, South Carolina, Texas, Utah, Vermont, Virginia, Washington, Wisconsin, Wyoming.

State Regulatory Examples

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