Structured Quota Share treaties allow insurers to cede a fixed percentage of premiums and losses, providing surplus relief and underwriting capacity while maintaining alignment with reinsurers. These proportional arrangements are central to balancing growth objectives with long-term portfolio stability.
Quota Share structures can be adapted with sliding scale commissions, loss corridors, and profit-sharing mechanisms to calibrate risk and return. By blending these features, cedents can achieve more predictable earnings and capital flexibility while retaining underwriting control.
At IAT, our reinsurance solutions are built to align interests and drive shared success. We structure Quota Share treaties to support cedents’ strategic and capital objectives, leveraging our strong financial ratings as a domestic A.M. Best A– (Excellent) carrier and our broad risk appetite to deliver tailored solutions.
Each program is custom designed to meet specific portfolio needs, providing flexibility through features such as occurrence limits, aggregate loss ratio caps, specific peril limitations, and profit commissions. Our approach centers on alignment, transparency, and collaborative program design—ensuring both parties benefit from sustainable, long-term performance.
