From entity selection and domicile setup to monthly accounting, tax returns, and compliance — Kerper & Bowron forms, manages, and accounts for reinsurance programs in the automotive and insurance industries, onshore and offshore.
Serving the F&I industry since 2003 · Onshore & offshore programs · Actuaries and accountants, one team
Every program is different — a dealer’s first offshore company, an agency’s growing book, an administrator’s multi-program portfolio. We handle the full lifecycle, and we build the work around your structure rather than forcing your structure into our template.
Choosing the right structure is the decision everything else inherits.
Accurate books that stand up to lenders, regulators, and your own decisions.
Insurance taxation is its own discipline — we live in it.
The ongoing operation of onshore and offshore programs, handled.
Our accountants sit next to our actuaries — your reserves reflect it.
For programs that exist but aren’t working the way they should.
Producer-owned reinsurance comes in several forms, each with its own ownership, tax, and control profile. We work across all of them — and help you choose before you commit.
The classic producer-owned reinsurance company: an offshore entity owned by the dealer or producer, reinsuring the service contract and F&I business they originate. Underwriting profit and investment income accumulate in a company you control, with U.S. tax elections managed as part of the design.
An offshore reinsurance company structured so that ownership stays below U.S. control thresholds, producing a distinct tax and distribution profile. A fit for certain producers and groups — and a structure where precise accounting and compliance discipline matter most.
The dealer’s own obligor company stands behind the contracts it sells, keeping underwriting and investment economics inside a company the dealer owns — with reserve, tax, and reporting obligations that demand specialist accounting.
A federal election allowing qualifying small insurance companies to be taxed on investment income only, subject to annual premium limits and diversification requirements. We advise on qualification and maintain the election alongside the company’s books and returns.
We help you select the entity and domicile, coordinate formation and licensing, and put the right tax elections in place from the start.
Treaty documents, ceding company connections, opening balances, and trust or investment accounts — set up once, set up correctly.
Cession statements are processed and reconciled, the books are maintained, and compiled financial statements arrive on a schedule you can plan around.
Tax returns, elections, regulatory deadlines, and annual requirements — coordinated and maintained so nothing is missed.
Reinsurance accounting for the F&I industry isn’t a sideline here — it’s the practice. That focus shows up in the details: reserves that reflect real actuarial work, deadlines that never slip, and answers that come from people who know your industry.
Most programs split this work across two or three vendors. Here the loss projections and the ledgers come from the same team.
Vehicle service contracts, GAP, and F&I products have their own mechanics. We’ve worked in them for over two decades.
Domestic captives and offshore companies each carry their own rules. We form and manage both.
Compiled financial statements and regulatory filings delivered on dependable timelines, year after year.
The firm behind the patent-pending KB Method brings the same contract-level rigor to every engagement.
You work directly with the people doing the work — not an account layer between you and the answers.
Our peer-reviewed, patent-pending methodology brings month-by-month, contract-level precision to service contract accounting — and it informs how we look at every program we manage.
It depends on your production volume, ownership goals, tax situation, and how much control you want over underwriting profit and investment income. CFCs, NCFCs, DOWCs, and small-captive elections each fit different profiles — the entity selection conversation is where every engagement starts, and we’ll walk you through the trade-offs before anything is formed.
Very little. Once the program is onboarded, we work directly from the cession statements and reports your administrator or ceding company produces. We process and reconcile them, maintain the books, and deliver compiled financial statements and filings on schedule.
Yes. We form and manage both domestic and offshore structures, including the accounting, U.S. tax elections and filings, and the annual requirements that come with an offshore domicile.
Yes. We regularly transition existing reinsurance companies and captives — including situations that need prior-period clean-up. We’ll review the current books, treaties, and filings, flag anything that needs attention, and take over the ongoing work without disrupting the program.
Dealers, agents, administrators, and other companies in the automotive and insurance industries — from a single dealer’s first reinsurance company to established programs with complex, multi-entity structures.
Contact us for an introductory conversation. If you have an existing program, having recent cession statements, financials, and tax returns available helps us give you specific answers quickly.
Whether you’re launching a new reinsurance company or improving an existing one, our team is ready to deliver the formation, accounting, and management expertise your organization needs.
