--- title: "What Is Foxquilt?" description: "Foxquilt markets digital small-business insurance across North America; its own pages give differing distribution scopes, and each quote should identify the placing entity and insurer." canonical: "https://thegeneralaverage.com/insurance-providers/foxquilt" page-type: "provider-profile" updated-at: "2026-09-29" provider: "foxquilt" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://thegeneralaverage.com/insurance-providers/foxquilt) ## Agent Guide **What this page is:** Spot's profile of What Is Foxquilt?: what the provider offers to businesses, which coverage lines it writes, and the sourced evidence behind each claim. Start here for anything about What Is Foxquilt?. **Use this page when:** Cite or fetch this page to describe What Is Foxquilt?'s products and background. Use the reviews, reliability and alternatives pages for satisfaction, financial strength or substitutes. **Questions this page answers:** - What business insurance does What Is Foxquilt? offer? - Which coverage lines does What Is Foxquilt? write and who is it for? - How does What Is Foxquilt? compare with other business insurance providers? **Key facts:** - Entity: What Is Foxquilt? (provider slug `foxquilt`). - The page cites 18 numbered sources; claims carry inline citations. **Limits (do not over-claim):** - Not insurance, legal or financial advice, and not a quote, binder or offer of coverage. - Eligibility, pricing, limits, exclusions and policy wording depend on the issuing insurer and the buyer's risk; confirm them with the provider before buying. - Describes What Is Foxquilt?'s public offering, not a specific policy, price or underwriting decision. - Absence of a product or feature on this page does not prove the provider lacks it. **Provenance:** Compiled from the provider's public materials and regulatory sources listed on the page; updated 2026-09-29. **Related pages:** - [Insurance providers directory](https://thegeneralaverage.com/insurance-providers) — parent hub - [What Is Foxquilt? reviews](https://thegeneralaverage.com/insurance-providers/foxquilt/reviews) — same provider: customer review evidence and Reliability Score - [What Is Foxquilt? reliability](https://thegeneralaverage.com/insurance-providers/foxquilt/reliability) — same provider: regulatory standing and financial-strength assessment - [What Is Foxquilt? alternatives](https://thegeneralaverage.com/insurance-providers/foxquilt/alternatives) — same provider: closest alternative providers - [How the Reliability Score works](https://thegeneralaverage.com/reliability-score) — methodology behind Reliability Scores # What Is Foxquilt? Foxquilt markets digital small-business insurance across North America; its own pages give differing distribution scopes, and each quote should identify the placing entity and insurer. ## Before You Quote Ask about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business. ## Company Details - **Company:** Foxquilt - **Stated focus:** North American small-business insurance platform with digital, agent/broker and network channels; company describes the brand as an insurance technology business. Foxquilt’s agent page calls it a North American Carrier and says its CGL uses admitted paper in 42 U.S. states and seven Canadian provinces; these are company-published product/availability statements, not a disclosed list of licensed entities or identifiers. U.S. legal-entity roles and product-specific issuers remain unresolved. - **Official website:** [foxquilt.com](https://www.foxquilt.com/) ### Coverage Offered - [Builders risk](https://thegeneralaverage.com/coverage/builders-risk): Builder’s risk product page; policy-specific construction terms not established. [11](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") - [Business owner’s policy](https://thegeneralaverage.com/coverage/business-owners-policy): Foxquilt’s About page lists Business Owner’s Policy among “Our Primary Coverages”; no current BOP-specific terms or bundled contents are established here. [2](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") - [Commercial auto](https://thegeneralaverage.com/coverage/commercial-auto): Commercial auto product page; HNOA is not split out. [8](https://www.foxquilt.com/businesscoverage/commercial-auto.html "Commercial Auto Insurance") - [Commercial property](https://thegeneralaverage.com/coverage/commercial-property): Commercial property product page. [10](https://www.foxquilt.com/businesscoverage/commercial-property.html "Commercial Property Insurance") - [Crime](https://thegeneralaverage.com/coverage/crime): Foxquilt 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. [17](https://www.foxquilt.com/businesscoverage/crime.html "Smarter Crime Insurance") [18](https://www.foxquilt.com/businesscoverage/ConvertLabs.html "Cleaner Insurance Program by Foxquilt") - [Cyber liability](https://thegeneralaverage.com/coverage/cyber): Cyber product page; policy terms and limits not established. [9](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance") - [General liability](https://thegeneralaverage.com/coverage/general-liability): Company CGL product page; line-specific CGL membership only. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [3](https://www.foxquilt.com/agent-broker-partner.html "Become a Foxquilt Agent/Broker Partner") - [Hired and non-owned auto](https://thegeneralaverage.com/coverage/hired-non-owned-auto): Advertised as a Hired & non-owned feature beneath Foxquilt’s Commercial Auto card; no distinct HNOA policy or terms established. [4](https://www.foxquilt.com/businesscoverage.html "Other Coverages") - [Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions): Professional E&O product page. [6](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") - [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions): Technology/creative class within broader E&O; no separate technology form established. [6](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") - [Tools, equipment and inland marine](https://thegeneralaverage.com/coverage/inland-marine): Foxquilt 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. [2](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [18](https://www.foxquilt.com/businesscoverage/ConvertLabs.html "Cleaner Insurance Program by Foxquilt") - [Umbrella and excess liability](https://thegeneralaverage.com/coverage/umbrella-excess): Foxquilt 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. [2](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [16](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") - [Workers’ compensation](https://thegeneralaverage.com/coverage/workers-compensation): Workers’ compensation page; state requirements vary. [7](https://www.foxquilt.com/businesscoverage/workers-compensation.html "Workers’ Compensation Insurance") ## Coverage Line Pages - [Foxquilt Builders Risk Insurance](https://thegeneralaverage.com/insurance-providers/foxquilt/builders-risk) - [Foxquilt Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/foxquilt/commercial-auto) - [Foxquilt Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/foxquilt/commercial-property) - [Foxquilt Crime Insurance](https://thegeneralaverage.com/insurance-providers/foxquilt/crime) - [Foxquilt Cyber Insurance](https://thegeneralaverage.com/insurance-providers/foxquilt/cyber) - [Foxquilt General Liability Insurance](https://thegeneralaverage.com/insurance-providers/foxquilt/general-liability) - [Foxquilt Hired and Non-Owned Auto Insurance](https://thegeneralaverage.com/insurance-providers/foxquilt/hired-non-owned-auto) - [Foxquilt Inland Marine Insurance](https://thegeneralaverage.com/insurance-providers/foxquilt/inland-marine) - [Foxquilt Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/foxquilt/professional-errors-omissions) - [Foxquilt Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/foxquilt/technology-errors-omissions) - [Foxquilt Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/foxquilt/umbrella-excess) - [Foxquilt Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/foxquilt/workers-compensation) ## Foxquilt Reliability Scores for 2026 Role: Managing general agent. Carrier & MGA Reliability Score: **No Reliability Score**. Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Identity and Authority (The supplied evidence did not support a score for Identity and Authority; this factor is excluded, not scored as zero. Canonical evidence gaps: No licence for Foxquilt Insurance Services Inc. (Ontario/FSRA or other provinces) was verified. FSRA data returned a 403 and the corporate licence search could not be opened.; No US state producer or MGA licence lookup was completed for Foxquilt Insurance Services LLC. The North Carolina Secretary of State page returned a 403.; The insurer that issues Foxquilt policies in the US and Canada is not named on any page we opened. A trade article seen in search results said the new E&O uses Markel's City National Insurance Company, but that page needed a login and the other articles did not say it.; Greenlight Innovation Syndicate 3456 is being approved as a full Lloyd's syndicate from 2027. Its syndicate-level rating was not found.; Claims turnaround, complaint outcomes and Canadian provincial complaint data (for example OmbudService) were not researched.; Your policy documents show which insurer actually issues your policy. The A ratings above apply only if it is one of the two Markel insurers named here.); Financial Resilience (The supplied evidence did not support a score for Financial Resilience; this factor is excluded, not scored as zero. Canonical evidence gaps: No licence for Foxquilt Insurance Services Inc. (Ontario/FSRA or other provinces) was verified. FSRA data returned a 403 and the corporate licence search could not be opened.; No US state producer or MGA licence lookup was completed for Foxquilt Insurance Services LLC. The North Carolina Secretary of State page returned a 403.; The insurer that issues Foxquilt policies in the US and Canada is not named on any page we opened. A trade article seen in search results said the new E&O uses Markel's City National Insurance Company, but that page needed a login and the other articles did not say it.; Greenlight Innovation Syndicate 3456 is being approved as a full Lloyd's syndicate from 2027. Its syndicate-level rating was not found.; Claims turnaround, complaint outcomes and Canadian provincial complaint data (for example OmbudService) were not researched.; Your policy documents show which insurer actually issues your policy. The A ratings above apply only if it is one of the two Markel insurers named here.); Claims and Servicing (The supplied evidence did not support a score for Claims and Servicing; this factor is excluded, not scored as zero. Canonical evidence gaps: No licence for Foxquilt Insurance Services Inc. (Ontario/FSRA or other provinces) was verified. FSRA data returned a 403 and the corporate licence search could not be opened.; No US state producer or MGA licence lookup was completed for Foxquilt Insurance Services LLC. The North Carolina Secretary of State page returned a 403.; The insurer that issues Foxquilt policies in the US and Canada is not named on any page we opened. A trade article seen in search results said the new E&O uses Markel's City National Insurance Company, but that page needed a login and the other articles did not say it.; Greenlight Innovation Syndicate 3456 is being approved as a full Lloyd's syndicate from 2027. Its syndicate-level rating was not found.; Claims turnaround, complaint outcomes and Canadian provincial complaint data (for example OmbudService) were not researched.; Your policy documents show which insurer actually issues your policy. The A ratings above apply only if it is one of the two Markel insurers named here.); Regulatory Conduct (The supplied evidence did not support a score for Regulatory Conduct; this factor is excluded, not scored as zero. Canonical evidence gaps: No licence for Foxquilt Insurance Services Inc. (Ontario/FSRA or other provinces) was verified. FSRA data returned a 403 and the corporate licence search could not be opened.; No US state producer or MGA licence lookup was completed for Foxquilt Insurance Services LLC. The North Carolina Secretary of State page returned a 403.; The insurer that issues Foxquilt policies in the US and Canada is not named on any page we opened. A trade article seen in search results said the new E&O uses Markel's City National Insurance Company, but that page needed a login and the other articles did not say it.; Greenlight Innovation Syndicate 3456 is being approved as a full Lloyd's syndicate from 2027. Its syndicate-level rating was not found.; Claims turnaround, complaint outcomes and Canadian provincial complaint data (for example OmbudService) were not researched.; Your policy documents show which insurer actually issues your policy. The A ratings above apply only if it is one of the two Markel insurers named here.). Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/foxquilt/reliability). ## Foxquilt Review Scores for 2026 Review Score: 8.9 / 10 from 3 rated sources, equally weighted. 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. - Trustpilot: TrustScore 3.5/5 (Trustpilot 5-point scale); 8 reviews. Trustpilot's foxquilt.com company profile (Toronto address; broad broker, auto, business and home insurance categories). Reviewer country and product line are not reliably shown, so it is not a US-only or commercial-only sample. Period: profile accessed 2026-09-29. Checked 2026-09-29. [Foxquilt Reviews | Read Customer Service Reviews of foxquilt.com](https://www.trustpilot.com/review/foxquilt.com) - BBB: BBB business grade A+ (BBB letter grade). Better Business Bureau Serving Central Ontario business profile for Foxquilt at a Toronto address; business-profile grade and reviews/complaints are different data. Not a U.S. policy review. Period: Toronto profile accessed 2026-09-29. Checked 2026-09-29. [Foxquilt | BBB Business Profile](https://www.bbb.org/ca/on/toronto/profile/commercial-insurance-services/foxquilt-0107-1374206); [Foxquilt | BBB Reviews](https://www.bbb.org/ca/on/toronto/profile/commercial-insurance-services/foxquilt-0107-1374206/customer-reviews); [Foxquilt | BBB Complaints](https://www.bbb.org/ca/on/toronto/profile/commercial-insurance-services/foxquilt-0107-1374206/complaints) - Google (via Birdeye): Google rating 4.9 (out of 5); 526 reviews. Google reviews for Foxquilt Insurance Services LLC, the Charlotte, North Carolina office. Reviews include commercial insurance customers. Period: checked 2026-09-29. Checked 2026-09-29. [Foxquilt Insurance Services LLC reviews | Birdeye](https://reviews.birdeye.com/foxquilt-insurance-services-llc-176273459225651) - HelloSafe: HelloSafe rating 4.8 (out of 5); 637 reviews. HelloSafe (Canadian comparison site) page on Foxquilt business insurance. Canada-focused, and the source of its reviews is not stated. Period: page accessed 2026-09-29. Checked 2026-09-29. [Foxquilt Business Insurance Review (2026) - HelloSafe](https://hellosafe.ca/en/business-insurance/foxquilt) Reviewed 2026-09-29. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/foxquilt/reviews). ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage. Foxquilt markets a North American small-business insurance platform and describes licensed-broker services. Its terms name Foxquilt Insurance Services Inc. as the website, products and services operator. Its agent page calls Foxquilt a ‘North American Carrier’ and reports admitted CGL paper in 42 U.S. states and seven Canadian provinces, but names no license-holding entity or license identifier there. The reviewed sources do not map the Inc. or the separately listed Foxquilt Insurance Services LLC to a particular U.S. placement, delegated authority or issuing insurer, so the brand’s U.S. regulated role remains unresolved. [1](https://www.foxquilt.com/ "Commercial Insurance, Business Liability Coverage | Foxquilt") [12](https://www.foxquilt.com/terms-of-use.html "Foxquilt Insurance Services | Terms & Conditions") [13](https://www.foxquilt.com/privacy-policy.html "Foxquilt Insurance Services | Consumer & Privacy Info") [3](https://www.foxquilt.com/agent-broker-partner.html "Become a Foxquilt Agent/Broker Partner") [14](https://my.westfieldinsurance.com/AgentLocator/AgencyDetailEntry.aspx?AgencyId=7480 "Agency Detail: Foxquilt Insurance Services LLC") (Evidence: Company-reported; scope: Foxquilt brand and the separately named Inc. and LLC; company disclosures accessed through 2026-09-29. License wording is provider-published and was not independently regulator-verified; no exact license identifiers were found in the inspected provider disclosures.; verified: 2026-09-29.) For a quote, identify the insured business, state and coverage line first. Ask which legal entity will place the insurance and which insurer will issue the policy; the Foxquilt brand and its public partner marks do not answer those questions for your account. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") ## What Are the Pros and Cons of Foxquilt? ### Pros - **Several lines have current product pages.** Foxquilt has current product-specific pages for commercial general liability, professional E&O, workers’ compensation, commercial auto, cyber, commercial property, builders risk, umbrella and crime. The About page separately lists Business Owner’s Policy, Umbrella/Excess and Inland Marine among “Our Primary Coverages”; its umbrella page describes umbrella and distinguishes it from excess. A cleaner-program page describes limited mobile-equipment (inland marine) and crime coverage and uses a Crime/Bonds label without bond terms. The E&O page includes technology and creative professions within broader E&O; the reviewed material does not establish a separate technology E&O form. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [6](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") [7](https://www.foxquilt.com/businesscoverage/workers-compensation.html "Workers’ Compensation Insurance") [8](https://www.foxquilt.com/businesscoverage/commercial-auto.html "Commercial Auto Insurance") [9](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance") [10](https://www.foxquilt.com/businesscoverage/commercial-property.html "Commercial Property Insurance") [11](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") [2](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [16](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") [17](https://www.foxquilt.com/businesscoverage/crime.html "Smarter Crime Insurance") [18](https://www.foxquilt.com/businesscoverage/ConvertLabs.html "Cleaner Insurance Program by Foxquilt") (Evidence: Company-reported; scope: Current Foxquilt pages inspected 2026-09-29. These are marketed coverage memberships, not a conclusion that detailed policy terms are adequate for comparison. Product scope differs between standalone pages, a primary-coverages list, subfeatures and the ConvertLabs cleaner program; quote and policy determine actual terms, jurisdiction, issuer and eligibility.; verified: 2026-09-29.) - **The company describes online purchase for CGL and E&O.** 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. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [6](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") [1](https://www.foxquilt.com/ "Commercial Insurance, Business Liability Coverage | Foxquilt") (Evidence: Company-reported; scope: Company-reported CGL and E&O purchase workflow; no form was submitted and no quote or purchase was completed in this research.; verified: 2026-09-29.) - **Foxquilt discloses how its broker services are compensated.** Foxquilt’s privacy disclosure says that for services provided as a licensed insurance broker it receives insurer-paid percentage commissions each policy term, including renewals, and may qualify for contingent profit commissions. The disclosure’s listed company contracts and rates are not mapped to a U.S. legal entity, product or buyer’s policy. [13](https://www.foxquilt.com/privacy-policy.html "Foxquilt Insurance Services | Consumer & Privacy Info") [12](https://www.foxquilt.com/terms-of-use.html "Foxquilt Insurance Services | Terms & Conditions") (Evidence: Company-reported; scope: Company-level privacy and compensation disclosure; no U.S.-specific commission schedule or account terms verified.; verified: 2026-09-29.) ### Cons - **The U.S. entity and placement roles remain unresolved.** Foxquilt markets a North American small-business insurance platform and describes licensed-broker services. Its terms name Foxquilt Insurance Services Inc. as the website, products and services operator. Its agent page calls Foxquilt a ‘North American Carrier’ and reports admitted CGL paper in 42 U.S. states and seven Canadian provinces, but names no license-holding entity or license identifier there. The reviewed sources do not map the Inc. or the separately listed Foxquilt Insurance Services LLC to a particular U.S. placement, delegated authority or issuing insurer, so the brand’s U.S. regulated role remains unresolved. [1](https://www.foxquilt.com/ "Commercial Insurance, Business Liability Coverage | Foxquilt") [12](https://www.foxquilt.com/terms-of-use.html "Foxquilt Insurance Services | Terms & Conditions") [13](https://www.foxquilt.com/privacy-policy.html "Foxquilt Insurance Services | Consumer & Privacy Info") [3](https://www.foxquilt.com/agent-broker-partner.html "Become a Foxquilt Agent/Broker Partner") [14](https://my.westfieldinsurance.com/AgentLocator/AgencyDetailEntry.aspx?AgencyId=7480 "Agency Detail: Foxquilt Insurance Services LLC") (Evidence: Company-reported; scope: Foxquilt brand and the separately named Inc. and LLC; company disclosures accessed through 2026-09-29. License wording is provider-published and was not independently regulator-verified; no exact license identifiers were found in the inspected provider disclosures.; verified: 2026-09-29.) - **The product pages do not identify the issuer for your policy.** Foxquilt’s product pages display Markel, Greenlight Re and Lloyd’s-related marks under “Backed by industry leaders.” The reviewed pages do not map those names to the insurer, reinsurer, coverholder, or delegated authority for a particular U.S. product, state or policy; confirm the insurer and producer on the quote and policy documents. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [6](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") [2](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") (Evidence: Not publicly disclosed; scope: Foxquilt brand marketing and the reviewed public CGL/E&O pages; no policy or state-specific issuer schedule reviewed.; verified: 2026-09-29.) - **Foxquilt’s published distribution and live CGL footprints differ by page.** Foxquilt’s About page advertises distribution in 50 U.S. states and eight Canadian provinces. Its agent page gives a narrower CGL availability statement: 42 U.S. states and seven Canadian provinces, with admitted paper marked ‘Yes’; CGL and E&O product pages also describe U.S. and Canadian online availability. These differing company-reported scopes do not establish that every product, class or risk is available in every jurisdiction. [2](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [3](https://www.foxquilt.com/agent-broker-partner.html "Become a Foxquilt Agent/Broker Partner") [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [6](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") (Evidence: Conflicting sources; scope: Foxquilt-published distribution/availability claims accessed 2026-09-29. Exact producer entity and license identifiers were not disclosed in the inspected provider pages; the statements are not an independent state-by-state license verification.; verified: 2026-09-29.) Foxquilt’s agent page calls the brand a “North American Carrier” and states that CGL has admitted paper in 42 U.S. states and seven Canadian provinces. The page does not list the licensed entity or license identifiers; the company’s About page gives a broader 50-state/eight-province distribution statement. Treat those as differently scoped company claims, not an account-specific license or availability check. [3](https://www.foxquilt.com/agent-broker-partner.html "Become a Foxquilt Agent/Broker Partner") [2](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") ## How Does Foxquilt Work? 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. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [6](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") [1](https://www.foxquilt.com/ "Commercial Insurance, Business Liability Coverage | Foxquilt") (Evidence: Company-reported; scope: Company-reported CGL and E&O purchase workflow; no form was submitted and no quote or purchase was completed in this research.; verified: 2026-09-29.) The website includes example quote and purchase screens; this research did not enter a business or test a live quote. Before you buy, request the proposal and policy documents that identify the named insured, licensed producer, issuing insurer, limits, retentions, exclusions and endorsements. A certificate can document insurance details for a requester, but you still need the policy to confirm coverage terms. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") ## What Coverage Does Foxquilt Offer, and Where? Foxquilt has current product-specific pages for commercial general liability, professional E&O, workers’ compensation, commercial auto, cyber, commercial property, builders risk, umbrella and crime. The About page separately lists Business Owner’s Policy, Umbrella/Excess and Inland Marine among “Our Primary Coverages”; its umbrella page describes umbrella and distinguishes it from excess. A cleaner-program page describes limited mobile-equipment (inland marine) and crime coverage and uses a Crime/Bonds label without bond terms. The E&O page includes technology and creative professions within broader E&O; the reviewed material does not establish a separate technology E&O form. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [6](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") [7](https://www.foxquilt.com/businesscoverage/workers-compensation.html "Workers’ Compensation Insurance") [8](https://www.foxquilt.com/businesscoverage/commercial-auto.html "Commercial Auto Insurance") [9](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance") [10](https://www.foxquilt.com/businesscoverage/commercial-property.html "Commercial Property Insurance") [11](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") [2](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [16](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") [17](https://www.foxquilt.com/businesscoverage/crime.html "Smarter Crime Insurance") [18](https://www.foxquilt.com/businesscoverage/ConvertLabs.html "Cleaner Insurance Program by Foxquilt") (Evidence: Company-reported; scope: Current Foxquilt pages inspected 2026-09-29. These are marketed coverage memberships, not a conclusion that detailed policy terms are adequate for comparison. Product scope differs between standalone pages, a primary-coverages list, subfeatures and the ConvertLabs cleaner program; quote and policy determine actual terms, jurisdiction, issuer and eligibility.; verified: 2026-09-29.) Foxquilt’s CGL page separates third-party injury and property damage from professional-service allegations, employee injuries, damage to your own property, and work-vehicle accidents. Those exposures may need different products. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") Foxquilt also lists a Business Owner’s Policy, Umbrella/Excess and Inland Marine among its primary coverages. Its umbrella page describes umbrella insurance and distinguishes it from excess insurance, so ask whether the proposal is umbrella, excess or both. The Crime page says crime coverage may be included as a BOP add-on or purchased as a separate policy; check which structure is quoted. [2](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [16](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") [17](https://www.foxquilt.com/businesscoverage/crime.html "Smarter Crime Insurance") The Commercial Auto card lists hired and non-owned auto as a feature, but the page does not explain the form or terms. The ConvertLabs cleaner program describes mobile equipment (also called inland marine) as a limited portion of equipment coverage commonly used by janitorial providers; that program-specific description does not establish broad inland-marine terms for other businesses. Its “Crime/Bonds” heading is followed by crime descriptions, not bond terms. [4](https://www.foxquilt.com/businesscoverage.html "Other Coverages") [18](https://www.foxquilt.com/businesscoverage/ConvertLabs.html "Cleaner Insurance Program by Foxquilt") The broader E&O page names technology and creative professions, including software developers and IT consultants. It describes claims-made coverage; ask for the retroactive date and reporting conditions in your proposal. [6](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") In its catalogue, HNOA appears as a Commercial Auto feature, technology work is included within broader E&O, and the umbrella page does not establish a separate excess product. The cleaner-program mobile-equipment description is program-specific. [4](https://www.foxquilt.com/businesscoverage.html "Other Coverages") [6](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") [16](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") [18](https://www.foxquilt.com/businesscoverage/ConvertLabs.html "Cleaner Insurance Program by Foxquilt") Workers’ compensation requirements vary by state, and Foxquilt’s own page directs businesses to check the rules that apply to their employees. Do not infer a legal requirement from a general marketing statement. [7](https://www.foxquilt.com/businesscoverage/workers-compensation.html "Workers’ Compensation Insurance") Foxquilt’s About page advertises distribution in 50 U.S. states and eight Canadian provinces. Its agent page gives a narrower CGL availability statement: 42 U.S. states and seven Canadian provinces, with admitted paper marked ‘Yes’; CGL and E&O product pages also describe U.S. and Canadian online availability. These differing company-reported scopes do not establish that every product, class or risk is available in every jurisdiction. [2](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [3](https://www.foxquilt.com/agent-broker-partner.html "Become a Foxquilt Agent/Broker Partner") [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [6](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") (Evidence: Conflicting sources; scope: Foxquilt-published distribution/availability claims accessed 2026-09-29. Exact producer entity and license identifiers were not disclosed in the inspected provider pages; the statements are not an independent state-by-state license verification.; verified: 2026-09-29.) ## How Is Foxquilt Paid, and What Service Does It Provide? 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. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [6](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") [2](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [3](https://www.foxquilt.com/agent-broker-partner.html "Become a Foxquilt Agent/Broker Partner") (Evidence: Company-reported; scope: Company-reported buyer servicing statements and agent/broker portal marketing; no account access or live service interaction tested.; verified: 2026-09-29.) 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. [3](https://www.foxquilt.com/agent-broker-partner.html "Become a Foxquilt Agent/Broker Partner") Its privacy disclosure describes insurer-paid commissions for licensed-broker services and possible contingent commissions. The published table is not mapped to a U.S. entity, product or your policy, so ask how your placement is compensated. Foxquilt’s privacy disclosure says that for services provided as a licensed insurance broker it receives insurer-paid percentage commissions each policy term, including renewals, and may qualify for contingent profit commissions. The disclosure’s listed company contracts and rates are not mapped to a U.S. legal entity, product or buyer’s policy. [13](https://www.foxquilt.com/privacy-policy.html "Foxquilt Insurance Services | Consumer & Privacy Info") [12](https://www.foxquilt.com/terms-of-use.html "Foxquilt Insurance Services | Terms & Conditions") (Evidence: Company-reported; scope: Company-level privacy and compensation disclosure; no U.S.-specific commission schedule or account terms verified.; verified: 2026-09-29.) ## What Should You Confirm in Foxquilt Quotes? - **Entity and insurer:** Which licensed producer and insurer will appear on this quote and policy? Which entity has authority to bind it? [12](https://www.foxquilt.com/terms-of-use.html "Foxquilt Insurance Services | Terms & Conditions") - **Product terms:** Which policy form, limits, retentions, exclusions and endorsements apply to your state and business class? The public examples are not your contract. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [6](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") - **Professional and technology work:** Is your exact service scheduled, and what retroactive date and reporting conditions apply to claims-made E&O? [6](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") - **Workers and vehicles:** Which employees, subcontractors, vehicles and uses are covered? Confirm state requirements and vehicle terms directly. [7](https://www.foxquilt.com/businesscoverage/workers-compensation.html "Workers’ Compensation Insurance") [8](https://www.foxquilt.com/businesscoverage/commercial-auto.html "Commercial Auto Insurance") - **Claims handling:** Who receives notice, investigates, adjusts and pays a covered claim? Public intake and servicing pages do not answer those policy-specific questions. Foxquilt product pages describe what a policy may respond to and show a support/contact route, but the reviewed material does not identify who investigates, adjusts or pays a particular U.S. claim, or establish claim outcomes. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [6](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") [1](https://www.foxquilt.com/ "Commercial Insurance, Business Liability Coverage | Foxquilt") (Evidence: Not publicly disclosed; scope: Public-facing marketing and contact pathway only; no policy, claim file, claims agreement or performance sample reviewed.; verified: 2026-09-29.) ## How Does Foxquilt Compare With Other Providers? - [Foxquilt vs AIG](https://thegeneralaverage.com/compare/aig-vs-foxquilt) - [Foxquilt vs Alliance Risk](https://thegeneralaverage.com/compare/alliance-risk-vs-foxquilt) - [Foxquilt vs Amelia Risk](https://thegeneralaverage.com/compare/amelia-risk-vs-foxquilt) - [Foxquilt vs Aon](https://thegeneralaverage.com/compare/aon-vs-foxquilt) - [Foxquilt vs Armilla](https://thegeneralaverage.com/compare/armilla-vs-foxquilt) - [Foxquilt vs At-Bay](https://thegeneralaverage.com/compare/at-bay-vs-foxquilt) - [Foxquilt vs The Baldwin Group](https://thegeneralaverage.com/compare/baldwin-vs-foxquilt) - [Foxquilt vs Beazley](https://thegeneralaverage.com/compare/beazley-vs-foxquilt) - [Foxquilt vs Berkshire Hathaway Specialty Insurance](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-foxquilt) - [Foxquilt vs biBerk](https://thegeneralaverage.com/compare/biberk-vs-foxquilt) - [Foxquilt vs CFC](https://thegeneralaverage.com/compare/cfc-vs-foxquilt) - [Foxquilt vs Chubb](https://thegeneralaverage.com/compare/chubb-vs-foxquilt) - [Foxquilt vs CNA](https://thegeneralaverage.com/compare/cna-vs-foxquilt) - [Foxquilt vs Coalition](https://thegeneralaverage.com/compare/coalition-vs-foxquilt) - [Foxquilt vs Corgi](https://thegeneralaverage.com/compare/corgi-vs-foxquilt) - [Foxquilt vs Coterie Insurance](https://thegeneralaverage.com/compare/coterie-vs-foxquilt) - [Foxquilt vs Counterpart](https://thegeneralaverage.com/compare/counterpart-vs-foxquilt) - [Foxquilt vs Coverdash](https://thegeneralaverage.com/compare/coverdash-vs-foxquilt) - [Foxquilt vs Cowbell](https://thegeneralaverage.com/compare/cowbell-vs-foxquilt) - [Foxquilt vs Embroker](https://thegeneralaverage.com/compare/embroker-vs-foxquilt) - [Foxquilt vs Founder Shield](https://thegeneralaverage.com/compare/foundershield-vs-foxquilt) - [Foxquilt vs Gallagher](https://thegeneralaverage.com/compare/foxquilt-vs-gallagher) - [Foxquilt vs Harper](https://thegeneralaverage.com/compare/foxquilt-vs-harper) - [Foxquilt vs Heffernan Insurance Brokers](https://thegeneralaverage.com/compare/foxquilt-vs-heffernan) - [Foxquilt vs Hiscox](https://thegeneralaverage.com/compare/foxquilt-vs-hiscox) - [Foxquilt vs HUB International](https://thegeneralaverage.com/compare/foxquilt-vs-hub-international) - [Foxquilt vs Insureon](https://thegeneralaverage.com/compare/foxquilt-vs-insureon) - [Foxquilt vs Kinro](https://thegeneralaverage.com/compare/foxquilt-vs-kinro) - [Foxquilt vs Layr](https://thegeneralaverage.com/compare/foxquilt-vs-layr) - [Foxquilt vs Liberty Mutual](https://thegeneralaverage.com/compare/foxquilt-vs-liberty-mutual) - [Foxquilt vs Lockton](https://thegeneralaverage.com/compare/foxquilt-vs-lockton) - [Foxquilt vs Markel Insurance](https://thegeneralaverage.com/compare/foxquilt-vs-markel) - [Foxquilt vs Marsh](https://thegeneralaverage.com/compare/foxquilt-vs-marsh) - [Foxquilt vs Marsh McLennan Agency](https://thegeneralaverage.com/compare/foxquilt-vs-marsh-mclennan-agency) - [Foxquilt vs Mylo](https://thegeneralaverage.com/compare/foxquilt-vs-mylo) - [Foxquilt vs Nationwide](https://thegeneralaverage.com/compare/foxquilt-vs-nationwide) - [Foxquilt vs Newfront](https://thegeneralaverage.com/compare/foxquilt-vs-newfront) - [Foxquilt vs ERGO NEXT Insurance](https://thegeneralaverage.com/compare/foxquilt-vs-next-insurance) - [Foxquilt vs Pie Insurance](https://thegeneralaverage.com/compare/foxquilt-vs-pie-insurance) - [Foxquilt vs Relm Insurance](https://thegeneralaverage.com/compare/foxquilt-vs-relm) - [Foxquilt vs Resilience](https://thegeneralaverage.com/compare/foxquilt-vs-resilience) - [Foxquilt vs RiskCube](https://thegeneralaverage.com/compare/foxquilt-vs-riskcube) - [Foxquilt vs Risklytics](https://thegeneralaverage.com/compare/foxquilt-vs-risklytics) - [Foxquilt vs Simply Business](https://thegeneralaverage.com/compare/foxquilt-vs-simply-business) - [Foxquilt vs StartupInsurance.ai](https://thegeneralaverage.com/compare/foxquilt-vs-startupinsurance) - [Foxquilt vs TechInsurance](https://thegeneralaverage.com/compare/foxquilt-vs-techinsurance) - [Foxquilt vs The Hartford](https://thegeneralaverage.com/compare/foxquilt-vs-the-hartford) - [Foxquilt vs THREE by Berkshire Hathaway](https://thegeneralaverage.com/compare/foxquilt-vs-three) - [Foxquilt vs Travelers](https://thegeneralaverage.com/compare/foxquilt-vs-travelers) - [Foxquilt vs USI Insurance Services](https://thegeneralaverage.com/compare/foxquilt-vs-usi) - [Foxquilt vs Vouch](https://thegeneralaverage.com/compare/foxquilt-vs-vouch) - [Foxquilt vs WithCoverage](https://thegeneralaverage.com/compare/foxquilt-vs-withcoverage) - [Foxquilt vs WTW](https://thegeneralaverage.com/compare/foxquilt-vs-wtw) - [Foxquilt vs Zurich U.S.](https://thegeneralaverage.com/compare/foxquilt-vs-zurich) ## Sources for Foxquilt ### [Foxquilt Official Website](https://www.foxquilt.com/) 1. [Commercial Insurance, Business Liability Coverage | Foxquilt](https://www.foxquilt.com/). 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. 2. [About Us - North American Business Insurance Company](https://www.foxquilt.com/about-us.html). Foxquilt; Our Primary Coverages; North American Distribution; Foxden; broad company-level distribution statement. Accessed 2026-09-29. 3. [Become a Foxquilt Agent/Broker Partner](https://www.foxquilt.com/agent-broker-partner.html). 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. 4. [Other Coverages](https://www.foxquilt.com/businesscoverage.html). 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. 5. [Commercial General Liability](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html). 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. 6. [Professional Liability (E&O)](https://www.foxquilt.com/businesscoverage/professional-liability.html). 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. 7. [Workers’ Compensation Insurance](https://www.foxquilt.com/businesscoverage/workers-compensation.html). 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. 8. [Commercial Auto Insurance](https://www.foxquilt.com/businesscoverage/commercial-auto.html). Foxquilt; Product description, audience/use cases, claims scenarios and price factors. Reopened 2026-09-29, lines 42, 99–132. Accessed 2026-09-29. 9. [Cyber Business Insurance](https://www.foxquilt.com/businesscoverage/cyber-insurance.html). Foxquilt; Cyber event description, target business types/data exposure, examples, price factors. Reopened 2026-09-29, lines 98–127. Accessed 2026-09-29. 10. [Commercial Property Insurance](https://www.foxquilt.com/businesscoverage/commercial-property.html). Foxquilt; Property description and causes; target property; claim examples; pricing factors. Reopened 2026-09-29, lines 98–128. Accessed 2026-09-29. 11. [Builder’s Risk Insurance](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html). Foxquilt; Construction-stage description and example causes; intended buyers; project-specific price factors. Reopened 2026-09-29, lines 98–127. Accessed 2026-09-29. 12. [Foxquilt Insurance Services | Terms & Conditions](https://www.foxquilt.com/terms-of-use.html). Foxquilt; Sections 1.1–1.2 identify Foxquilt Insurance Services Inc. as service operator; no reviewed Inc.–LLC relationship statement. Accessed 2026-09-29. 13. [Foxquilt Insurance Services | Consumer & Privacy Info](https://www.foxquilt.com/privacy-policy.html). 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. 14. [Agency Detail: Foxquilt Insurance Services LLC](https://my.westfieldinsurance.com/AgentLocator/AgencyDetailEntry.aspx?AgencyId=7480). 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. 15. [Foxquilt official website](https://www.foxquilt.com/). 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. 16. [Smarter Umbrella Insurance For Your Business](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html). 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. 17. [Smarter Crime Insurance](https://www.foxquilt.com/businesscoverage/crime.html). 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. 18. [Cleaner Insurance Program by Foxquilt](https://www.foxquilt.com/businesscoverage/ConvertLabs.html). 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. Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://thegeneralaverage.com/editorial-policy). To suggest a correction, [email The General Average](mailto:thegeneralaverage@spot.insure) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/insurance-providers/foxquilt.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://thegeneralaverage.com/llms.txt)