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Diagnosing loss ratios to help protect auto dealers’ reinsurance portfolios

AutomotiveArticleAugust 10, 2026

Improving portfolio performance starts with understanding the factors driving losses and profitability.
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With inflation driving up parts and labor costs, ongoing supply chain challenges, and other market pressures, many auto dealerships have seen increased strain on their F&I reinsurance portfolios. However, getting accurate, actionable insights from your portfolio requires an approach similar to what you would expect from a good doctor — looking beyond the symptoms to find the root cause of the malady.

This segment from an episode of Car Dealership Guy’s “Daily Dealer Live” podcast explores how dealers can strengthen reinsurance results by working with specialists to get a granular view of the right data, identify trends, and diagnose the root causes affecting profitability. Premium increases can sometimes help but they aren’t always the answer. Dealerships need to examine losses in terms of both frequency and severity, focus intently on customer retention, and ensure they are working with knowledgeable, experienced people to help them maintain profitability.

Zurich’s Dan Mowid, Senior Division Reinsurance Executive, and Josh Wear, Vice President of Underwriting for Direct Markets, join host Sam D’Arc for this conversation on best practices to keep reinsurance portfolios strong.

This episode was originally presented live on Car Dealership Guy on August 3, 2026.

 

ZURICH PANELISTS

Dan MowidDan Mowid is Senior Division Reinsurance Executive for Zurich North America’s Direct Markets unit. He brings over 40 years of experience to this role of managing and growing F&I/Reinsurance business and supporting Zurich’s auto dealership customers nationally and within regional divisions. Mowid joined Zurich in 2002. Prior to that, he served as Regional Vice President for Pat Ryan & Associates/Resource Group. A frequent speaker and subject matter expert for industry events, Mowid also leads dealership consulting training classes for Zurich’s field personnel.

 

Josh Wear is Vice President of Underwriting for F&I for Direct Markets at Zurich North America. Wear brings over 20 years of experience driving growth, profitability, underwriting performance, product innovation, and strategic business development to his role. He leads underwriting strategy, profitability management, partner evaluation, and growth initiatives across a diverse portfolio of automotive F&I programs and distribution partnerships. Prior to joining Zurich, Wear held executive and senior leadership roles with The Amynta Group, Warranty Solutions and Wells Fargo.

 

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The information in this presentation was compiled from sources believed to be reliable for informational purposes only. All sample policies and procedures herein should serve as a guideline, which you can use to create your own policies and procedures. We trust that you will customize these samples to reflect your own operations and believe that these samples may serve as a helpful platform for this endeavor. Any and all information contained herein is not intended to constitute advice (particularly not legal advice). Accordingly, persons requiring advice should consult independent advisors when developing programs and policies. We do not guarantee the accuracy of this information or any results and further assume no liability in connection with this publication and sample policies and procedures, including any information, methods or safety suggestions contained herein. We undertake no obligation to publicly update or revise any of this information, whether to reflect new information, future developments, events or circumstances or otherwise. Moreover, Zurich reminds you that this cannot be assumed to contain every acceptable safety and compliance procedure or that additional procedures might not be appropriate under the circumstances. The subject matter of this presentation is not tied to any specific insurance product nor will adopting these policies and procedures ensure coverage under any insurance policy. Insurance coverages underwritten by individual member companies of Zurich in North America, including Zurich American Insurance Company. Certain coverages not available in all states. Some coverages may be written on a nonadmitted basis through licensed surplus lines brokers. Risk engineering services are provided by The Zurich Services Corporation.