Since its inception in 2019, DMG has continued to demonstrate what can happen when high-performing dealerships are grouped together with a long-term focus on risk management.

Over the past six years, the captive has produced:

41.0% Pure Loss Ratio
63.3% Loss Fund Loss Ratio

These are exceptional long-term results.

While individual years will naturally fluctuate, six years of consistently strong performance provides meaningful credibility. It reflects disciplined underwriting, engaged membership, and a commitment to proactive risk management rather than reacting to losses after they occur.

Strong underwriting performance benefits every member. It enhances the captive’s financial strength, helps stabilize long-term insurance costs, and creates the potential for underwriting profits to be returned to members rather than remaining with a traditional insurance carrier.

One of the founding principles of DMG was to allow well-managed dealership groups to benefit from their own performance—not subsidize the losses of the broader insurance marketplace. Six years into the program, the results continue to support that vision.