Coalition vs Foxquilt: How Do They Compare for Business Insurance?

Coalition centers its offer on cyber insurance and risk services, with Tech E&O available for technology businesses through an appointed broker. Foxquilt markets broader small-business CGL and E&O online and through agents or brokers. If cyber monitoring or technology liability is central, compare Coalition’s policy and services with the exact Foxquilt proposal; the brands do not establish equivalent coverage.

An Overview of Coalition and Foxquilt

Coalition’s published route is built around cyber insurance, including Tech E&O for technology businesses, plus its Control security-monitoring service for policyholders. Coalition requires an appointed broker to obtain a quote. Foxquilt offers small-business CGL, broader E&O and cyber routes online and through agents or brokers. The practical choice may depend on whether you want a broker-placed cyber program with documented security tools or a broader small-business quote path; neither description establishes the terms or eligibility of your policy. ¹ ⁷ ⁸ ¹³ ²³ ²⁴ ²⁷

The catalogue compares marketed memberships, not policy wording. Foxquilt’s HNOA is a commercial-auto feature, technology is a class within broader E&O, umbrella does not establish a separate excess product, and cleaner-program mobile equipment is program-specific. Coalition’s cyber excess options also require an underlying policy and are not a general commercial umbrella. ²² ²⁴ ³⁴ ³⁶ ¹⁴

What Stands Out About Coalition and Foxquilt?

Coalition at a Glance

Technology companies can combine cyber and Tech E&O in one program. ¹Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.
Policyholders get cyber monitoring, alerts and remediation guidance through Control. ⁸Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Foxquilt at a Glance

Foxquilt serves small and midsize businesses, with contractors, e-commerce, consultants, technology and creative professionals among its examples. ^20,^23,²⁴Company-reportedCompany-described North American small-business audience and example product classes; actual appetite depends on product, class, state and underwriting.
Customers can request and buy commercial general liability and E&O online, with team assistance available and documents delivered after purchase. ^23,^24,¹⁹Company-reportedCompany-reported CGL and E&O purchase workflow; no form was submitted and no quote or purchase was completed in this research.

Coalition vs Foxquilt Coverage Lines Compared

Coverage	Coalition	Foxquilt
Builders risk	Not listed	Listed ²⁹Builder’s risk product page; policy-specific construction terms not established.
Business owner’s policy	Not listed	Listed ²⁰Foxquilt’s About page lists Business Owner’s Policy among “Our Primary Coverages”; no current BOP-specific terms or bundled contents are established here.
Commercial auto	Not listed	Listed ²⁶Commercial auto product page; HNOA is not split out.
Commercial property	Not listed	Listed ²⁸Commercial property product page.
Crime	Listed ⁵Coalition offers crime insurance through its executive-risks product for private and nonprofit US organizations.	Listed ^35,³⁶Foxquilt has a Crime Insurance product page, which says crime can be a BOP add-on or an isolated policy; the ConvertLabs cleaner program also lists Crime/Bonds but describes crime only. No bond product is inferred.
Cyber liability	Listed ⁷Coalition offers cyber insurance.	Listed ²⁷Cyber product page; policy terms and limits not established.
Directors and officers	Listed ⁵Coalition offers directors and officers liability through its executive-risks product for private and nonprofit US organizations.	Not listed
Employment practices liability	Listed ⁵Coalition offers employment practices liability through its executive-risks product for private and nonprofit US organizations.	Not listed
Fiduciary liability	Listed ⁵Coalition offers fiduciary liability through its executive-risks product for private and nonprofit US organizations.	Not listed
General liability	Not listed	Listed ^23,²¹Company CGL product page; line-specific CGL membership only.
Hired and non-owned auto	Not listed	Listed ²²Advertised as a Hired & non-owned feature beneath Foxquilt’s Commercial Auto card; no distinct HNOA policy or terms established.
Media liability	Listed ¹⁸Coalition identifies media liability within its Active Cyber policy.	Not listed
Professional errors and omissions (E&O)	Listed ⁶Coalition offers miscellaneous professional liability as an addition to eligible Active Cyber policies.	Listed ²⁴Professional E&O product page.
Technology errors and omissions (E&O)	Listed ¹Coalition offers technology errors and omissions together with Active Cyber coverage for businesses that provide a technology product or service.	Listed ²⁴Technology/creative class within broader E&O; no separate technology form established.
Tools, equipment and inland marine	Not listed	Listed ^20,³⁶Foxquilt lists Inland Marine among primary coverages; the ConvertLabs cleaner program describes limited mobile-equipment coverage (also called Inland Marine) commonly used by janitorial providers. This does not establish broad standalone inland-marine terms.
Umbrella and excess liability	Not listed	Listed ^20,³⁴Foxquilt lists Umbrella/Excess in its primary-coverages list and has a current Umbrella Insurance page that distinguishes umbrella from excess. Membership is for marketed umbrella only; a separate excess product is not established.
Workers’ compensation	Not listed	Listed ²⁵Workers’ compensation page; state requirements vary.

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.

Coalition and Foxquilt Coverage, Line by Line

Open what Coalition and Foxquilt each document for one coverage line.

Crime Insurance
- Coalition Crime Insurance
- Foxquilt Crime Insurance
Cyber Insurance
- Coalition Cyber Insurance
- Foxquilt Cyber Insurance
Professional Liability (E&O) Insurance
- Coalition Professional Liability (E&O) Insurance
- Foxquilt Professional Liability (E&O) Insurance
Tech E&O Insurance
- Coalition Tech E&O Insurance
- Foxquilt Tech E&O Insurance

Coalition and Foxquilt Reliability Scores

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

Coalition Reliability Scores

Hybrid provider

Broker

6.1/ 10

Carrier & MGA

6.3/ 10

Provider assessment

Foxquilt Reliability Scores

Managing general agent

Carrier & MGA

No Reliability Score

Provider assessment

Coalition and Foxquilt Review Scores for 2026

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

Coalition Review Score

10.0/ 10

Review Score

1 rated source

Coalition has a BBB A+ grade. The reviewed independent sources did not establish a customer-star rating; the displayed RaveCapture collection is broker-focused. Its Trustpilot page has no reviews, and its best-looking rating comes from a review page the company arranges for brokers.

Read Coalition reviews

Foxquilt Review Score

8.9/ 10

Review Score

3 rated sources

Customers rate Foxquilt well on Google (4.9 out of 5 from 526 reviews at its Charlotte office) and 3.5 out of 5 on Trustpilot from only 8 reviews. Put together, the Review Score is 8.9 out of 10.

Read Foxquilt reviews

Which Risks and Services Are Described?

Technology businesses can ask Coalition about Tech E&O for exposures such as software downtime or failed delivery. ¹Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Coalition policyholders can use Control at no additional cost for attack-surface and vendor-risk monitoring, vulnerability alerts and guidance; Login Security requires connecting Microsoft or Google, and Coalition sells other security products separately. ⁸Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Foxquilt says it serves small and midsize businesses and business-to-business networks. Its current CGL and E&O pages name contractors, e-commerce, personal services, consultants, technology and creative professionals, licensed professionals, and beauty and health services as target examples; listed classes are not guarantees of eligibility. ^20,^23,²⁴Company-reportedCompany-described North American small-business audience and example product classes; actual appetite depends on product, class, state and underwriting.

Coalition identifies technology-service errors and describes cyber response exposures alongside a no-additional-cost Control tool for attack-surface monitoring and alerts. Its login-security feature requires connecting a Microsoft or Google account, and other security products cost extra. Foxquilt’s public pages describe CGL, E&O and cyber, but the reviewed sources do not document a comparable monitoring bundle. That is a limit of the evidence reviewed, not proof such a service is unavailable. ¹ ⁸ ²⁷

What Is the Route to a Quote?

You need an appointed broker to buy Coalition coverage; Coalition can help you find access if your broker does not offer it, and says underwriting reviews industry, finances, operations and security. ¹³Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

To add Tech E&O to a cyber quote, prepare your product or service description and contract answers; some applications need review before a price is released. ¹²Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Foxquilt says customers can request and buy CGL and E&O online, with team assistance available, and receive documents after purchase. Its screens show example businesses, sample limits and prices; these are company illustrations, not quotes tested for a buyer or evidence that every risk can bind online. ^23,^24,¹⁹Company-reportedCompany-reported CGL and E&O purchase workflow; no form was submitted and no quote or purchase was completed in this research.

Coalition says buyers need an appointed broker and some Tech E&O applications require review before a price is released. Foxquilt describes online quoting and purchasing for CGL and E&O, plus agent and broker channels. Ask who will be appointed and what business, contract, and security details they need; if you prefer self-service, confirm whether your Foxquilt line can bind through the online route. ¹³ ¹² ¹⁹ ²¹

Questions to Resolve Before Comparing Proposals

Which Coalition cyber and Tech E&O policy sections, limits, retention, and insurer apply, and what services are included versus sold separately? ³ ⁸
Does Foxquilt’s proposed cyber policy include incident response or monitoring, and which exclusions and limits apply? Do not infer a bundled service from a catalogue listing. ²⁷
What will the appointed broker or Foxquilt route charge in premium, fees and commission, and who handles renewal and changes? ⁴ ³¹

Coalition vs Foxquilt Services Compared

What each provider documents about the services you may need

Criteria	Coalition	Foxquilt
Customer focus	Technology businesses can ask Coalition about Tech E&O for exposures such as software downtime or failed delivery. ¹Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. Large businesses can compare Coalition’s Active Cyber for Enterprises with Allianz; the minimum revenue and underwriting criteria mean startups should not assume they qualify. ¹⁷Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.	Foxquilt says it serves small and midsize businesses and business-to-business networks. Its current CGL and E&O pages name contractors, e-commerce, personal services, consultants, technology and creative professionals, licensed professionals, and beauty and health services as target examples; listed classes are not guarantees of eligibility. ^20,^23,²⁴Company-reportedCompany-described North American small-business audience and example product classes; actual appetite depends on product, class, state and underwriting.
Application process	You need an appointed broker to buy Coalition coverage; Coalition can help you find access if your broker does not offer it, and says underwriting reviews industry, finances, operations and security. ¹³Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. To add Tech E&O to a cyber quote, prepare your product or service description and contract answers; some applications need review before a price is released. ¹²Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.	Foxquilt says customers can request and buy CGL and E&O online, with team assistance available, and receive documents after purchase. Its screens show example businesses, sample limits and prices; these are company illustrations, not quotes tested for a buyer or evidence that every risk can bind online. ^23,^24,¹⁹Company-reportedCompany-reported CGL and E&O purchase workflow; no form was submitted and no quote or purchase was completed in this research.
Servicing and renewals	Coalition policyholders can use Control at no additional cost for attack-surface and vendor-risk monitoring, vulnerability alerts and guidance; Login Security requires connecting Microsoft or Google, and Coalition sells other security products separately. ⁸Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification. Plan renewal work early: Coalition says cyber renewals start 90 days before expiry and may be Automatic, Express or Standard. Express renewals need your responses, Standard renewals need a bind order and an updated signed application, and automatic renewal does not guarantee the same premium. ¹⁵Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.	Foxquilt says CGL and E&O policy documents and certificates are emailed after purchase and describes digital account tools. For agents and brokers, Foxquilt advertises digital endorsement and cancellation management and change requests in Foxden; this does not establish who has contractual authority or the processing terms for a particular policy. The public material reviewed does not establish policy-specific renewal handling, endorsement authority, cancellation process or service-level guarantees. ^23,^24,^20,²¹Company-reportedCompany-reported buyer servicing statements and agent/broker portal marketing; no account access or live service interaction tested.

Criteria

Coalition

Foxquilt

Customer focus

Large businesses can compare Coalition’s Active Cyber for Enterprises with Allianz; the minimum revenue and underwriting criteria mean startups should not assume they qualify. ¹⁷Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Application process

Servicing and renewals

Plan renewal work early: Coalition says cyber renewals start 90 days before expiry and may be Automatic, Express or Standard. Express renewals need your responses, Standard renewals need a bind order and an updated signed application, and automatic renewal does not guarantee the same premium. ¹⁵Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Foxquilt says CGL and E&O policy documents and certificates are emailed after purchase and describes digital account tools. For agents and brokers, Foxquilt advertises digital endorsement and cancellation management and change requests in Foxden; this does not establish who has contractual authority or the processing terms for a particular policy. The public material reviewed does not establish policy-specific renewal handling, endorsement authority, cancellation process or service-level guarantees. ^23,^24,^20,²¹Company-reportedCompany-reported buyer servicing statements and agent/broker portal marketing; no account access or live service interaction tested.

Sources

36 documents, numbered as cited. Open the sources

Sources for Coalition vs Foxquilt

Coalition Official Website

1
Tech E&O Insurance Coverage. Coalition; Who needs Technology Errors & Omissions coverage? (organizations that provide a technology product or service for a fee); Combine Technology Errors & Omissions coverage with Active Cyber Insurance; Coalition Advantage. Accessed 2026-09-16.
2
Licenses and Carriers. Coalition; Insurance Licenses: California row; Insurance Carriers; concluding disclosures. Accessed 2026-09-16.
3
U.S. Disclaimers. Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted and Non-admitted Cyber. Accessed 2026-09-16.
4
U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
5
Executive Risks. Coalition; FAQ: What type of businesses do you protect?, What limits do you offer? and What resources do you have for policyholders?; Product Offering: D&O, EPL, fiduciary, crime. Accessed 2026-09-16.
6
Miscellaneous Professional Liability. Coalition; Why Miscellaneous Professional Liability? (can be added to certain Active Cyber Insurance policies); MPL Advantage; Broker Benefits. Accessed 2026-09-16.
7
Active Cyber Insurance. Coalition; Active Cyber Insurance; Coverage Advantage: separate limit for breach response, pay-on-behalf for cyber extortion, funds transfer fraud, business interruption. Accessed 2026-09-16.
8
Coalition Control. Coalition; How We Help; Policyholder Features; Wirespeed ADR. Accessed 2026-09-16.
9
Cyber Insurance Claims Experience. Coalition; Pre-Claims Assistance; Claims Advantage. Accessed 2026-09-16.
10
Where does Coalition offer cyber insurance coverage? Coalition; United States. Accessed 2026-09-16.
11
Are there any differences between Coalition’s admitted and surplus lines products? Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
12
How to add Tech E&O coverage to a Coalition quote. Coalition; Opening; Step 1; Step 2; Last Step. Accessed 2026-09-16.
13
How do I qualify for and buy cyber insurance from Coalition? Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16.
14
Does Coalition offer Excess coverage? Coalition; Where do I send my excess submissions?; What excess products does Coalition offer, and in what regions? (excess Cyber Surplus in the US and Canada; excess Tech E&O and MPL combined with cyber, US only). Accessed 2026-09-16.
15
How do Cyber renewals work at Coalition? Coalition; Opening renewal-path table; Automatic; Express; Standard. Accessed 2026-09-16.
16
How does Coalition make money? Coalition; Premium retention and carrier payments paragraphs. Accessed 2026-09-16.
17
Active Cyber Insurance for Enterprises. Coalition; Introduction; closing eligibility disclaimer. Accessed 2026-09-16.
18
Coalition AI Coverage. Coalition; Coverage in Action table, including the Defamation row (Media Liability insuring agreement); Deepfake Response; policy disclaimers. Accessed 2026-09-16.

Foxquilt Official Website

19
Commercial Insurance, Business Liability Coverage | Foxquilt. Foxquilt; Homepage: available-now CGL and E&O; other recommended products; digital purchase workflow; illustrative quote screens and carrier/support marks. Accessed 2026-09-29.
20
About Us - North American Business Insurance Company. Foxquilt; Our Primary Coverages; North American Distribution; Foxden; broad company-level distribution statement. Accessed 2026-09-29.
21
Become a Foxquilt Agent/Broker Partner. Foxquilt; Agent/broker product and servicing marketing: quote/bind/service in Foxden and instant documents (lines 22–24); service requests manage endorsements/cancellations (lines 130–138); digital servicing support says digitally manage endorsements/cancellations (lines 206–208); agents can file change requests in Foxden (lines 262–266). Separate CGL live selector states 42 U.S. states, 7 Canadian provinces and ‘Admitted paper Yes’ (lines 210–227). Page calls Foxquilt a ‘North American Carrier’ and says two products are built/underwritten in-house (lines 145–152). Directly reopened 2026-09-29. Provider-published marketing, not independent regulator verification; exact license-holding entity/type/identifier, specific policy authority and request-processing terms are not disclosed here. Accessed 2026-09-29.
22
Other Coverages. Foxquilt; Other Coverages page: Workers’ Compensation, Commercial Auto, Cyber Liability and Commercial Property cards; Commercial Auto card lists Owned vehicles, Hired & non-owned, and Tools in transit as features; CGL/E&O are marked available now. Directly inspected 2026-09-29, lines 22–70. Accessed 2026-09-29.
23
Commercial General Liability. Foxquilt; “What does CGL cover?”; “Foxquilt’s CGL is built for…”; digital quote/buy and certificates; “Built for North American small business”; limits FAQ; CGL exclusions FAQ. Directly reopened 2026-09-29, lines 53–64, 67–104, 135–215, 244–319. Accessed 2026-09-29.
24
Professional Liability (E&O). Foxquilt; E&O summary and claims-made label; coverage examples; “Tech & Creative” classes; digital quote/buy; North American availability; lines 22–29, 52–65, 99–120, 138–253. Accessed 2026-09-29.
25
Workers’ Compensation Insurance. Foxquilt; State-requirements FAQ; payroll/employee/location price factors; benefits list; self-employed and subcontractor FAQs. Reopened 2026-09-29, lines 148–162. Accessed 2026-09-29.
26
Commercial Auto Insurance. Foxquilt; Product description, audience/use cases, claims scenarios and price factors. Reopened 2026-09-29, lines 42, 99–132. Accessed 2026-09-29.
27
Cyber Business Insurance. Foxquilt; Cyber event description, target business types/data exposure, examples, price factors. Reopened 2026-09-29, lines 98–127. Accessed 2026-09-29.
28
Commercial Property Insurance. Foxquilt; Property description and causes; target property; claim examples; pricing factors. Reopened 2026-09-29, lines 98–128. Accessed 2026-09-29.
29
Builder’s Risk Insurance. Foxquilt; Construction-stage description and example causes; intended buyers; project-specific price factors. Reopened 2026-09-29, lines 98–127. Accessed 2026-09-29.
30
Foxquilt Insurance Services | Terms & Conditions. Foxquilt; Sections 1.1–1.2 identify Foxquilt Insurance Services Inc. as service operator; no reviewed Inc.–LLC relationship statement. Accessed 2026-09-29.
31
Foxquilt Insurance Services | Consumer & Privacy Info. Foxquilt; Privacy officer identity/address; “How We Get Paid For Our Services”; commission table and contingent-commission footnote; Canada-oriented company disclosure; no U.S. line/issuer mapping. Accessed 2026-09-29.
32
Agency Detail: Foxquilt Insurance Services LLC. Westfield Insurance; Agency directory listing for Foxquilt Insurance Services LLC and Business coverage; does not disclose state appointment terms, delegated authority, or policy issuer. Accessed 2026-09-28.
33
Foxquilt official website. Foxquilt; Official website is the provenance root for the visible brand mark; no reusable downloadable official logo file was verified during this pass. Accessed 2026-09-29.
34
Smarter Umbrella Insurance For Your Business. Foxquilt; Current product page calls the product Umbrella Insurance; lines 98–104 describe umbrella vs excess and eligibility; lines 106–121 give illustrative scenarios; lines 127–132 discuss multi-insurer tower as hypothetical purchasing example. Directly inspected 2026-09-29. It supports an umbrella marketing membership, not a separate excess product, actual tower, underlying requirements, policy form or limits. Accessed 2026-09-29.
35
Smarter Crime Insurance. Foxquilt; Current product page calls the product Crime Insurance; lines 90–104 describe money/securities, inside/outside theft and examples; lines 113–121 say crime may be included as a BOP add-on or bought as an isolated policy. Directly inspected 2026-09-29. Marketing does not establish form/limits or fidelity/surety bond coverage. Accessed 2026-09-29.
36
Cleaner Insurance Program by Foxquilt. Foxquilt; Current Foxquilt-powered ConvertLabs cleaner program page; lines 108–135 lists CGL, Commercial Auto, Mobile Equipment, Crime/Bonds and Workers’ Compensation. Lines 127–128 identify Mobile Equipment as “also known as Inland Marine” and limit it to a small portion of equipment coverage commonly used by janitorial providers; lines 130–131 describe Crime, not bond terms. Page says program applications are available in Canada or the U.S. Directly inspected 2026-09-29. Accessed 2026-09-29.

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All Comparisons

An Overview of Coalition and Foxquilt

What Stands Out About Coalition and Foxquilt?

Coalition at a Glance

Foxquilt at a Glance

Coalition vs Foxquilt Coverage Lines Compared

Coalition and Foxquilt Coverage, Line by Line

Crime Insurance

Cyber Insurance

Professional Liability (E&O) Insurance

Tech E&O Insurance

Coalition and Foxquilt Reliability Scores

Coalition Reliability Scores

Foxquilt Reliability Scores

Coalition and Foxquilt Review Scores for 2026

Coalition Review Score

Foxquilt Review Score

Which Risks and Services Are Described?

What Is the Route to a Quote?

Questions to Resolve Before Comparing Proposals

Coalition vs Foxquilt Services Compared

Provider Profiles for Coalition and Foxquilt

What Is Coalition Insurance?

What Is Foxquilt?

Sources for Coalition vs Foxquilt

Coalition Official Website

Foxquilt Official Website

Comparisons Related to Coalition vs Foxquilt

AIG vs Coalition

AIG vs Foxquilt

Alliance Risk vs Coalition

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