what is the difference between surplus share reinsurance and quota reinsurance 
surplus share reinsurance and quota reinsurance are two types of agreement between an insurer and a reinsurer that define the responsibilities of each party in a surplus share treaty the primary insurer retains the liabilities of a contract up to a specific amount the remainder is passed along to a reinsurer a quota share treaty is essentially the reverse the primary insurer passes along the responsibility for risks to a reinsurer up to a certain limit the primary insurer is responsible for losses exceeding that amount 