Quota Share

Reinsurance where the insurer and reinsurer split premiums and losses by a fixed percentage across a whole book. Share the good and the bad.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.