The Truth About Reinsurance: How Florida’s Aging Inventory Is Eroding Dealer Profit Pools

Florida dealers are carrying more inventory than ever—and more of it is aging fast. New data shows nearly 100,000 additional vehicles on Florida lots since August, with one-third now high-mileage units. That shift is quietly eroding reinsurance profit pools as carriers absorb higher claim severity and exposure on older vehicles. In this month’s Ashton PULSE report, ASC Warranty’s Greg Reuter introduces RISC™, a new tool to help dealers measure and manage risk in their reinsurance programs—and protect profitability even as bond rates stay firm despite Fed cuts.

Why Bond Rates Aren’t Falling With the Fed

The Fed is cutting rates, but surety bond and reinsurance costs aren’t budging. Long-term yields and risk premiums remain elevated as carriers absorb higher claim severity and liability exposure. In this issue of Ashton PULSE – Florida, we break down why bond rates aren’t moving, how market risk outpaces monetary policy, and what it means for dealers managing reinsurance programs.

Why Client Service Is an Underwriting Advantage — Even in the Age of AI

AI can process data faster than ever, but underwriting still depends on relationships. In this edition of Ashton PULSE – Florida, Danielle explains why client service remains an underwriting advantage in the age of algorithms—and how human insight complements AI to help clients navigate complex regulatory and risk environments.