1. Product Mix & Volatility
Is your product mix balanced to reduce volatility while still driving income and customer satisfaction?
Consider: Whether reliance on certain products is disproportionately impacting reinsurance performance.
2. Program Structure Alignment
Are coverage options aligned with today’s market conditions, not yesterday’s assumptions?
Consider: Terms, deductibles, surcharges, and limits relative to current loss experience.
3. Underwriting Discipline
Are underwriting standards driving outcomes? Or are adjustments happening after losses have already occurred?
Consider: Whether changes are proactive and measured versus sudden and reactive.
4. True Risk Exposure
Do you have clear visibility into your outstanding underwriting risk and participation?
Consider: Where risk may be accumulating unnoticed within your reinsurance structure.
5. Early Claims Signals
Are early claims being treated as warning signs or isolated events?
Consider: What initial claim activity might be revealing about processes, products, or training?
6. Lender & Financing Effectiveness
Are financing structures supporting both dealership objectives and customer affordability?
Consider: Whether lender terms are creating friction or limiting flexibility.
