| Programs


Florida Nursing Home Program

General liability and professional liability are provided with low limits on a claims made policy form. The policy is written for individual locations covering any number of beds at that location.

Coverages and Highlights

  • General Liability
  • Professional Liability
  • Limits:
    • $25,000 per claim and $25,000 annual aggregate
    • $50,000 per claim and $50,000 annual aggregate
    • $100,000 per claim and $100,000 annual aggregate
  • No deductible applies
  • Available in Florida
  • Florida State Law 1202 requires that all nursing homes and ALFs have liability insurance—both GL and PL.

Target Classes

  • Nursing Homes (skilled nursing facilities)
  • Subacute Care Facilities
  • Rehabilitation Facilities
  • Intermediate or Continuing Care Retirement Communities

Insolvency Gap—AXPRO

AXPRO—Agents Extra Protector is designed for insurance companies that are financially strong, but are not AM Best rated or are rated lower than B++. The AM Best rating factor can sometimes discourage agents from working with an otherwise stable carrier. That is mostly because of the agent’s own professional liability policy. These professional liability policies typically have an insolvency exclusion that excludes coverage for business written with insurance companies that are not rated by AM Best or are rated lower than B++. The agents fear an underlying claim may go unpaid if the insurance company becomes bankrupt. The result could be messy and expensive for the agent. Consequently, agents may avoid writing business with some very good insurance companies that are excluded from the agent’s professional liability policy.

How does AXPRO work?

  • AXPRO is purchased by qualifying insurance companies who designate the agent(s) they want to cover. Individual agents cannot purchase the coverage for themselves.
  • If the insurance company becomes insolvent and cannot pay an underlying claim, the AXPRO policy will drop down to provide the agent with insolvency gap coverage.
  • The insurance company can purchase the coverage for one or more agents.
  • The insurance company will be provided a Certificate of Insurance naming the selected agent(s) to be protected.
  • The insolvency fear is reduced, so covered agents have more incentive to write business with the purchasing insurance company.

Coverages and Highlights

  • AXPRO (via a drop down endorsement)
  • Excess limits may be available
  • $1M limits in any one claim; up to $5M aggregate
  • The coverage is first dollar, with no deductible or coinsurance. The pricing is company-specific.
  • The beneficiary of the insurance policy can be adapted on a case by case basis to meet the needs of the insurance company purchasing the coverage.

Target Classes

  • Insurance Companies that AM Best has not rated or has rated lower than B++
  • Insurance Companies must be favorably reviewed by Demotech, Inc.
  • Insurance Companies must have $250MM or less in annual gross written premium volume and must have a profitable history

Insurance Agents & Brokers Professional Liability
Insurance Company Management & Professional Liability
Technology E&O, Cyber/Network Security & Privacy, and Media Liability

Wind Energy

Quadrant offers insurance coverage for the development, construction and operation of wind/electrical energy projects.

Coverages and Highlights

  • General Liability
  • Excess Limits
  • Some Inland Marine & Property
  • $2,000,000 primary aggregate limit
  • Up to $20,000,000 excess limit available
  • $5,000 deductible per occurrence
  • Hired & Non-owned Auto can be considered
  • Blanket Waiver of Subrogation and Additional Insured can be considered

Target Classes

  • Developers
  • Risks in Construction
  • Equity Owners
  • Electricity Production Risks


  • All states except ME, NJ, MA & RI

Submission Guidelines

  • Completed application
    • Typically we can work from a competitor’s application or you can contact us for a new application.
  • Loss history
    • 3-5 full years of carrier loss runs, currently valued
  • Claims details
    • Summary of what happened, when, what was paid/by whom, current status, and corrective actions taken. Or complete and submit claim supplement.
  • Financials may be required
  • Define the opportunity
    • Who is the current carrier? Is incumbent offering renewal terms? If no, why not? If yes, why is insured marketing it? To whom is it being marketed? Are there any special concerns?
  • Current and desired premium/deductible/limits
  • Coverages needed and any special coverage requests
  • Effective date
  • Quote need-by date
  • Other coverages that the insured may be interested in
  • Send submission to submissions@quadrant-us.com
  • If you have any questions, please feel free to contact us at: 614.841.1425 and ask for a producer.
Quadrant Insurance Managers HQ

Testimonials & Quotes
“Part of our mantra has been to create win-win solutions: deals that work for both the buyer and the seller. This combination proves the most lasting and beneficial. Given the insurance industry, and its “promise to pay” feature, we find most one-sided alternatives lacking.”

– Mark D. Harris, CIC
President & CEO, Quadrant Insurance Managers, Inc.


Things We’re Talking About


  • General Liability
  • Excess General Liability
  • Pollution
  • Umbrella/Excess Liability

The coverage information outlined is a guideline only. Please refer to the actual policies for the full terms, conditions, exclusions, and limitations. In the event of a conflict between this document and the actual policies, the actual policies will supersede this document.