Free resource · Executive worksheet
Dealer Reinsurance Tax Planning Checklist
The 831(a) vs. 831(b) decision, and the annual tax review of a dealer reinsurance program, done right — as a worksheet you bring to your CPA, your administrator, and your ownership group. Useful enough to keep in your board packet.
What’s inside
1
Annual review
A repeatable yearly check of the reinsurance company’s tax treatment, premium, and results.
2
Questions for your CPA
The specific questions that turn a generic “what should I do” into real advice on your numbers.
3
Questions for your administrator
What to ask the people who shape the facts your CPA works from.
4
Questions for ownership
The planning questions only the dealer principal can answer.
5
Premium review
Track written premium against the 831(b) cap — the gate that decides what’s even available.
6
Election review
Confirm the election, diversification, and insurance qualification still hold.
7
Distribution review
What’s realizable, when, and how it’s taxed.
8
Compliance review
The filings and documentation that keep a real program defensible.
9
Future planning
Model next year, not just this one — before growth changes the answer.
This is an educational worksheet, not tax, legal, or accounting advice. The right tax treatment depends on your dealership’s actual numbers and current law, and should be decided with qualified professionals. To understand how the two regimes work first, read the educational breakdown on AutomotiveReinsurance.com and how to evaluate the decision on Dealer-Reinsurance.com.
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