John Kerper and Lee Bowron are co-owners of the actuarial consulting firm Kerper and Bowron, LLC.  They have been business partners since 2003.  Kerper and Bowron focus on providing actuarial services to captives and to companies which insure, administer or sell vehicle service contracts and related F&I products, including GAP, Tire and Wheel, and other ancillary products.

In 2018, Kerper and Bowron formed United States Dealer Reinsurance Company, LLC.  This company is an innovation in the delivery of dealer owned captives domiciled in the US (in Alabama) with a fee base that is competitive with other jurisdictions in common use.

John is considered an industry expert in the field of vehicle service contracts and has written several papers on the analysis of extended warranty and GAP liabilities. He is also a frequent speaker at seminars on these topics.

John is a Fellow of the Society of Actuaries and a Member of the American Academy of Actuaries.