Alliance Risk vs Foxquilt
Alliance Risk describes broker-led technology placements, including review of an existing Tech E&O policy and outreach to specialist insurers. Foxquilt markets small-business CGL and E&O with online quote and purchase options plus agent and broker channels; neither route establishes eligibility or policy terms for your company. 10,17
Introduction
Foxquilt’s published pages offer online quote and purchase for small-business CGL and E&O, while Alliance Risk describes broker-led technology placements that include reviewing an existing Tech E&O program and approaching specialist insurers. That distinction matters if you want a direct online application for a standard small-business need versus a broker discussion about a technology risk; the pages do not establish that either company will quote your business or that the products have matching terms. 16 17 10
The catalogue below reflects lines each company markets. A listed line does not establish matching policy forms, limits, exclusions, insurers, or availability for your location. Foxquilt’s own materials give different availability scopes by product and channel, so confirm your specific class and state or province. 13 14 1
Read several Foxquilt rows narrowly: hired and non-owned auto is shown as a commercial-auto feature; technology and creative are classes within broader E&O, not a separately established technology form; the product page documents umbrella but not separate excess; and the cleaner program describes limited mobile-equipment/inland-marine and crime coverage, not a bond product just because a heading says Crime/Bonds. These labels do not establish separate policies or equivalent terms. 15 17 27 29 28
Coverage Comparison
| Coverage | Alliance Risk | Foxquilt |
|---|---|---|
| Builders risk | Listed 9Alliance Risk arranges builders risk insurance. | Listed 22Builder’s risk product page; policy-specific construction terms not established. |
| Business owner’s policy | Listed 9Alliance Risk arranges business owner’s policies. | Listed 13Foxquilt’s About page lists Business Owner’s Policy among “Our Primary Coverages”; no current BOP-specific terms or bundled contents are established here. |
| Cargo and transit | Listed 9Alliance Risk arranges inland and ocean marine coverage for goods in transit. | Not listed |
| Commercial auto | Listed 9Alliance Risk arranges commercial auto insurance. | Listed 19Commercial auto product page; HNOA is not split out. |
| Commercial property | Listed 9Alliance Risk arranges property insurance. | Listed 21Commercial property product page. |
| Crime | Listed 9Alliance Risk arranges crime insurance. | Listed 28,29Foxquilt 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 9Alliance Risk arranges cyber liability insurance. | Listed 20Cyber product page; policy terms and limits not established. |
| Directors and officers | Listed 9Alliance Risk arranges directors and officers liability insurance. | Not listed |
| Employment practices liability | Listed 9Alliance Risk arranges employment practices liability insurance. | Not listed |
| Equipment breakdown | Listed 9Alliance Risk arranges equipment breakdown insurance. | Not listed |
| Fiduciary liability | Listed 9Alliance Risk arranges fiduciary liability insurance. | Not listed |
| General liability | Listed 9Alliance Risk arranges general liability insurance. | Listed 16,14Company CGL product page; line-specific CGL membership only. |
| Hired and non-owned auto | Not listed | Listed 15Advertised as a Hired & non-owned feature beneath Foxquilt’s Commercial Auto card; no distinct HNOA policy or terms established. |
| Intellectual property | Listed 1Alliance Risk arranges intellectual-property insurance for technology businesses. | Not listed |
| Key person | Listed 9Alliance Risk arranges key person insurance. | Not listed |
| Liquor liability | Listed 9Alliance Risk arranges liquor liability for businesses serving or selling alcohol. | Not listed |
| Management liability | Listed 11Alliance Risk advises on management-liability packages and standalone options. | Not listed |
| Media liability | Listed 9Alliance Risk arranges media and advertising liability insurance. | Not listed |
| Product liability | Listed 9Alliance Risk arranges product liability insurance. | Not listed |
| Product recall | Listed 9Alliance Risk arranges product recall insurance. | Not listed |
| Professional errors and omissions (E&O) | Listed 9Alliance Risk arranges professional liability insurance. | Listed 17Professional E&O product page. |
| Technology errors and omissions (E&O) | Listed 9Alliance Risk arranges technology errors and omissions insurance. | Listed 17Technology/creative class within broader E&O; no separate technology form established. |
| Tools, equipment and inland marine | Listed 9Alliance Risk arranges inland marine coverage for goods, tools and equipment in transit or off-site. | Listed 13,29Foxquilt 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 | Listed 9Alliance Risk arranges umbrella and excess liability insurance. | Listed 13,27Foxquilt 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 | Listed 9Alliance Risk arranges workers’ compensation insurance. | Listed 18Workers’ 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.
Current Spot Scores
Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.
Alliance Risk
BrokerBroker
5.8/ 10Assessed provider: Alliance Risk. Scope: Alliance Risk Insurance Services LLC, the subsidiary agency named in Alliance's terms and the single licensee of record under National Producer Number 21240567, assessed as a brokerage and risk-advisory operation. Producer authority is independently verified in Georgia, Texas, Pennsylvania, Colorado, Nevada and Minnesota only; the other 44 jurisdictions in the published table remain company-reported. Carrier relationships are assessed only as the appointments recorded in Texas, Nevada and Pennsylvania, which do not establish the insurer for any particular placement. Alliance Risk Holding Company LLC and any programme-specific capacity are outside scored scope.
Foxquilt
No Spot Score
Assessment subject unavailable
Review Scores
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.
Alliance Risk
Review Score
Alliance Risk has too little independent review evidence to judge its service. Ask for references from businesses like yours before choosing it.[1][2][3][4][5][6][7][8]
Read Alliance Risk reviewsFoxquilt
Review Score
Foxquilt’s 3.5/5 Trustpilot score comes from eight reviews. Its Toronto BBB profile has no customer reviews; the A+ business grade measures something different. Neither establishes how U.S. commercial-policy customers fare.[5][6][7]
Read Foxquilt reviewsWhich Buyer Is Each Route Designed For?
Technology businesses from pre-seed through public-company stages can ask Alliance Risk about coverage, including SaaS, hardware, fintech, healthtech and AI. 1Company-reported. Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.
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. 13,16,17Company-reported. Company-described North American small-business audience and example product classes; actual appetite depends on product, class, state and underwriting.
Alliance Risk’s published technology segment names software, hardware, fintech, healthtech, and AI businesses across company stages. Foxquilt’s CGL and E&O pages give a wider small-business class list that includes technology and creative professionals. A technology label alone does not establish that the same Tech E&O form or underwriting appetite is available through both routes. 1 17
What Happens Before a Quote?
To get a technology E&O proposal, prepare service details, revenue, employee count, major client contracts, current coverage, five-year claims history and customer concentration; Alliance Risk says it reviews the current program and approaches specialist insurers. 10Company-reported. Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.
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. 16,17,12Company-reported. Company-reported CGL and E&O purchase workflow; no form was submitted and no quote or purchase was completed in this research.
If you already have technology E&O, Alliance Risk’s described process gives you a place to ask about policy review, retroactive dates, and alternative markets. Foxquilt’s published online path is more direct for CGL and E&O, but its example quote screens are illustrations, not a quote or proof that every risk can bind online. 10 12
Questions to Ask Both Companies
- For a technology E&O placement, will you review our current policy and contracts, and which service details, revenue, customer concentration, and claims history should we prepare? Ask Alliance Risk to distinguish its estimate from a binding deadline. 10 1
- For Foxquilt’s online CGL or E&O option, can this business and class bind in our state or province, and which insurer, producer, limits, exclusions, and effective date will appear in the quote and policy? 16 17 14
- Before comparing total cost, what commissions, service fees, or other charges apply to this placement? Alliance Risk’s terms permit several fee types without publishing amounts; Foxquilt’s compensation disclosure describes commissions but does not map a rate to a U.S. entity, product, or policy. 3 24
Compare Services
What each provider documents about the services you may need
| Criteria | Alliance Risk | Foxquilt |
|---|---|---|
| Customer focus | Technology businesses from pre-seed through public-company stages can ask Alliance Risk about coverage, including SaaS, hardware, fintech, healthtech and AI. 1Company-reported. Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms. | 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. 13,16,17Company-reported. Company-described North American small-business audience and example product classes; actual appetite depends on product, class, state and underwriting. |
Related Reading
Sources
Alliance Risk Official Website
- Technology Insurance. Alliance Risk; What is Technology Insurance?; Types of Technology; Types of Coverage; startup placement introduction; quote documents and process. Accessed 2026-09-16.
- About Us. Alliance Risk; Our Story. Accessed 2026-09-16.
- Terms & Conditions. Alliance Risk; Sections 1, 4, 5, 17 and 18; last updated October 30, 2024. Accessed 2026-09-16.
- Privacy Policy. Alliance Risk; Sections 1, 4, 5 and 13; revised October 30, 2024. Accessed 2026-09-16.
- Insurance Licenses. Alliance Risk; CA entry; site footer producer trade name and NPN. Accessed 2026-09-16.
- Get a Quote. Alliance Risk; Request form; Prefer to Call?; Why Alliance Risk? section. Accessed 2026-09-16.
- Contact Us. Alliance Risk; Prefer to Call?; Talk to an Expert. Accessed 2026-09-16.
- All In One Insurance Risk Advisory to Protect Your Business. Alliance Risk; Why Us?; footer brokerage disclosure. Accessed 2026-09-16.
- Alliance Products. Alliance Risk; Coverages product cards, from Accountant Professional Liability through Wrap-Up Insurance. Accessed 2026-09-16.
- Tech E&O Insurance. Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16.
- Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together. Alliance Risk; Closing offer to recommend a package or standalone approach; three core lines. Accessed 2026-09-16.
Foxquilt Official Website
- 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.
- About Us - North American Business Insurance Company. Foxquilt; Our Primary Coverages; North American Distribution; Foxden; broad company-level distribution statement. Accessed 2026-09-29.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
