Dealer Obligor Warranty Company
Own the Warranty Company.We'll Run It With You.
A DOWC — Dealer Obligor Warranty Company — puts the dealer's own entity behind the service contract. Instead of sending premium to a third-party obligor, your group keeps the underwriting profit and investment income while Advantage Warranty Group administers the program end to end.
What a DOWC Is
A Dealer Obligor Warranty Company is a dealer-owned entity that stands behind the vehicle service contracts your stores sell. The DOWC is the obligor — it holds the obligation to pay covered claims — which means underwriting profit stays inside your organization instead of flowing to an outside provider.
Where Advantage Fits
We handle the operational heavy lifting: program and rate design, contract and forms coordination, claims adjudication, remittance and accounting support, and the reporting your team needs to see exactly how the book is performing. You own the company; we make it run.
Why Dealers Choose the Structure
Dealer groups choose DOWCs to capture underwriting profit, earn investment income on reserves, control the customer experience at claim time, and build a long-term wealth vehicle alongside the dealership. Your legal, tax, and compliance advisors should guide formation decisions — we coordinate with them throughout.
Administration Without the Friction
DOWC programs live or die on administration. Advantage brings nationwide licensing coordination, modern contracting and claims technology, transparent reserve and loss reporting, and a claims team that treats your customers like your reputation depends on it — because it does.
What You Get With Advantage
- Underwriting profit and investment income stay in your organization
- Program, rate, and contract design built around your stores
- Claims adjudicated by a team that answers the phone
- Clear reporting on reserves, losses, and program performance
- Coordinates with your legal, tax, and compliance advisors
- Scales from single-point stores to multi-rooftop groups