ARK Agency builds F&I programs that move real product — VSC, GAP, and ancillary coverage — while giving dealer groups a real path to owning more of their own paper.
We carry the most complete F&I product lineup available — backed by real dealer-floor strategy, hands-on training, and a process built for accountability, not just activity.
A full product suite built to convert — VSC, GAP, tire & wheel, theft & key, and customized maintenance plans, presented however fits your floor, all under one agency relationship.
Coverage structured around what actually gets claimed — not just what's easiest to sell. Fewer surprises for the dealer, fewer chargebacks, more retained trust.
Every program is built with your CSI and your repeat business in mind — because an F&I product that creates a bad experience costs you more than it earns.
Every VSC, every GAP contract, every dollar of retained profit comes down to what happens right there — one F&I manager, one customer, a few minutes to get it right. ARK Agency builds the products, the training, and the structure so that conversation goes your way, every time.
A 40-unit independent lot and a five-rooftop group get the same rigor — full product training, full structure, one point of contact who actually knows your business. What scales with size is the depth of the program, not the quality of it. As a group adds rooftops, ARK Agency keeps that same discipline running at every store, so store five gets the same standard that built store one.
Plenty of dealers don't want to own a piece of the reinsurance, and that's completely fine — a straightforward walk-away relationship is just as welcome here as a full participation program. We work with dealers at every level, big or small, and treat that relationship the same regardless of which path you choose. For dealers who do want to share in underwriting profit, investment income, or performance bonuses, here's what that can look like.
No reinsurance ownership, no added admin — you sell the products, we place the paper, and that's the whole relationship. Just as valid a choice as any structure below, for stores of any size.
A single dealer or dealer group owns and controls an offshore reinsurance entity, electing to be taxed as a U.S. insurer under IRC §953(d). Full control, subject to annual premium ceding caps.
Ownership is pooled across many unaffiliated dealer shareholders, so no single dealer controls the entity. No annual ceding cap — built for higher-volume stores ready to move past a CFC's limits.
A fully dealer-owned domestic entity — no offshore piece at all. The dealer is the actual contract obligor, and claims paid become negative taxable income.
ARK Agency LLC works both sides of the aisle — independent used-car stores and franchise rooftops — because the strategy that wins in one doesn't always translate to the other. We build programs specific to your dealership, your market, and your goals, not a one-size-fits-all product stack.
"Our goal is simple: help your dealership boost profitability and retention, while giving your customers the peace of mind they deserve."
ARK AGENCY LLCWhether you're an independent lot or a multi-rooftop group, tell us where your F&I program stands today and where you want it to go.
