On Tuesday, EFG Companies launched the Reinsurance Health Check, which the company described as a concise, practical diagnostic designed to help retail automotive dealers identify exposure, stabilize performance, and protect profitability in today’s market.

The operation acknowledged dealer principals across the industry are feeling renewed pressure on their reinsurance programs as rising claims severity, higher repair costs, and delayed reserve adjustments converge.

EFG’s program can evaluate whether today’s market conditions are quietly weakening reinsurance performance and where adjustments can still make a meaningful difference.

While past contracts and products can’t be changed, what comes next is still very much within a dealer’s control, according to Eric Fifield, who is chief revenue officer at EFG Companies.

“What many dealers are experiencing now didn’t happen overnight,” Fifield said in a news release. “Over several years, competitive pricing decisions, rising vehicle values, and increasing labor and parts costs created conditions most reinsurance programs weren’t built to absorb.

“The Reinsurance Health Check helps dealers step back, understand their exposure, and focus on the areas that matter most going forward,” he continued.

To help dealerships get started, EFG identified six areas dealers should be reviewing right now.

The Reinsurance Health Check walks dealers through six core questions that often signal reinsurance strain well before it shows up in pricing, including:

—Product mix and volatility: Is your product mix balanced to reduce volatility while still driving income and customer satisfaction?

—Coverage structure alignment: Are coverage terms, deductibles, surcharges, and limits aligned with today’s market realities, not legacy assumptions?

—Underwriting discipline: Are underwriting standards guiding performance, or are adjustments happening reactively after losses occur?

—True reinsurance risk exposure: Do you have clear visibility into how much risk remains on the books and where profitability may be leaking?

—Early claims signals: Are early claims treated as warning signs that point to process, product, or training issues?

—Lender and financing effectiveness: Are lender rates and loan structures supporting both customer affordability and dealership goals?

For more information, visit www.efgcompanies.com/reinsurancehealthcheck.