--- title: "Alliance Risk vs Foxquilt: Umbrella and Excess Liability Insurance" description: "Alliance Risk distinguishes potentially broader umbrella terms from follow-form excess; Foxquilt describes umbrella as extending protection across multiple existing policies and contrasts excess for one portion." canonical: "https://spot.insure/compare/alliance-risk-vs-foxquilt/umbrella-excess" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "alliance-risk-vs-foxquilt" provider-a: "alliance-risk" provider-b: "foxquilt" coverage-line: "umbrella-excess" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot 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://spot.insure/compare/alliance-risk-vs-foxquilt/umbrella-excess) ## Agent Guide **What this page is:** Focused comparison of Alliance Risk and Foxquilt for Umbrella and Excess Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Umbrella and Excess Liability Insurance questions about Alliance Risk versus Foxquilt. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Alliance Risk vs Foxquilt for Umbrella and Excess Liability Insurance: how do they differ? - Which is better for Umbrella and Excess Liability Insurance, Alliance Risk or Foxquilt? - What does Alliance Risk or Foxquilt publish about Umbrella and Excess Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Umbrella and Excess Liability Insurance from Alliance Risk or Foxquilt? **Key facts:** - Line: Umbrella and Excess Liability Insurance. Providers: Alliance Risk and Foxquilt. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy. **Related pages:** - [Alliance Risk vs Foxquilt](https://spot.insure/compare/alliance-risk-vs-foxquilt) — parent: all coverage lines for this pair - [Umbrella and Excess Liability Insurance guide](https://spot.insure/coverage/umbrella-excess) — coverage explainer for this line - [Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk) — provider profile (evidence) - [Foxquilt profile](https://spot.insure/insurance-providers/foxquilt) — provider profile (evidence) - [Alliance Risk vs Foxquilt Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/builders-risk) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Foxquilt Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Foxquilt Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/commercial-property) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Foxquilt Crime Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/crime) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Foxquilt Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/cyber) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Foxquilt General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/general-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Foxquilt Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/inland-marine) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Foxquilt Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Foxquilt Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Foxquilt Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Alliance Risk Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [AIG vs Foxquilt Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-foxquilt/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Amelia Risk Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Aon Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-aon/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs The Baldwin Group Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) — sibling comparison (other line, or other pair for this line) # Alliance Risk vs Foxquilt: How Do They Compare for Umbrella and Excess Liability Insurance? Alliance Risk distinguishes potentially broader umbrella terms from follow-form excess; Foxquilt describes umbrella as extending protection across multiple existing policies and contrasts excess for one portion. ## How to Use the Alliance Risk vs Foxquilt Umbrella and Excess Liability Insurance Comparison Use this comparison to evaluate Alliance Risk and Foxquilt for Umbrella and Excess Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Alliance Risk vs Foxquilt Umbrella and Excess Liability Insurance Summary Alliance Risk distinguishes umbrella coverage that may broaden protection for some claims from excess coverage that follows the underlying policy and extends its limits. Foxquilt describes umbrella across multiple existing policies and contrasts excess coverage for one portion of insurance; its cited page does not establish a separate excess product. [4](https://joinalliancerisk.com/umbrella-excess-liability-insurance/ "Umbrella & Excess Liability Insurance") [7](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") ## What Is Alliance Risk? Alliance Risk suits tech startups from pre-seed through IPO that want a broker to review their tech E&O policy for free and shop specialist insurers; if you want to buy online in minutes, use a digital insurer. Quotes take 24 hours to ten business days, depending on your risk. [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") [2](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") [3](https://joinalliancerisk.com/get-a-quote/ "Get a Quote") [Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk) ## What Is Foxquilt? Foxquilt offers several online-marketed small-business lines, but its public pages do not resolve which U.S. entity places each risk or which insurer issues each policy. Compare the specific product, state, terms and named entities before deciding whether the digital route fits your business. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [6](https://www.foxquilt.com/terms-of-use.html "Foxquilt Insurance Services | Terms & Conditions") [Foxquilt profile](https://spot.insure/insurance-providers/foxquilt) ## What Is Umbrella and Excess Liability Insurance? Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. [8](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm "Lines of Insurance") [11](https://www.coverdash.com/coverage "Coverage Hub") [12](https://kinro.com/products "Products") ## What Are the Key Differences Between Alliance Risk and Foxquilt Umbrella and Excess Liability Insurance? ### Umbrella versus excess structure Alliance Risk describes umbrella as potentially broadening protection for some claims beyond underlying policies, while excess strictly follows the underlying terms and adds limits. Foxquilt’s page also distinguishes umbrella protection across multiple existing policies from excess applying to one coverage portion, but does not establish an actual excess offering. A buyer deciding between broader terms and a higher limit should ask each broker to identify the product form and scheduled underlying policies rather than rely on the label alone. [4](https://joinalliancerisk.com/umbrella-excess-liability-insurance/ "Umbrella & Excess Liability Insurance") [7](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") ### Limits, pricing and placement Alliance Risk describes typical limits beginning at $1 million and reaching $25 million or more, with illustrative annual costs; it places coverage above general liability, auto or employers’ liability. Foxquilt recommends considering umbrella when the business needs more CGL limit, but publishes no specific limit or underlying requirements. Compare quotes with identical attachment points and underlying schedules; Alliance Risk’s figures are general examples, not a quote for a particular risk. [4](https://joinalliancerisk.com/umbrella-excess-liability-insurance/ "Umbrella & Excess Liability Insurance") [7](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") ## What Should You Confirm in Alliance Risk and Foxquilt Umbrella and Excess Liability Insurance Quotes? - Ask Alliance Risk which underlying policies and exclusions carry through and whether the quote is umbrella or follow-form excess. Ask Foxquilt for offered limits, required underlying CGL terms, attachment point and the policy form supporting its multi-policy description. [4](https://joinalliancerisk.com/umbrella-excess-liability-insurance/ "Umbrella & Excess Liability Insurance") [7](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") ## Alliance Risk vs Foxquilt Umbrella and Excess Liability Compared | Criteria | Alliance Risk Umbrella & Excess Liability Insurance | Foxquilt Umbrella Insurance | | --- | --- | --- | | Role in This Line | Alliance Risk places umbrella and excess liability coverage that sits above a client's underlying general liability, auto liability or employer's liability policies, describing its role as arranging this additional layer rather than underwriting it. [4](https://joinalliancerisk.com/umbrella-excess-liability-insurance/ "Umbrella & Excess Liability Insurance") (Evidence: Company-reported; scope: Umbrella & Excess Liability Insurance page..) | Foxquilt markets Umbrella Insurance; its page distinguishes umbrella from excess and does not establish a separate excess product. [7](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | | Issuing Insurer | The reviewed umbrella/excess page does not name the insurers Alliance Risk places this coverage with. [4](https://joinalliancerisk.com/umbrella-excess-liability-insurance/ "Umbrella & Excess Liability Insurance") (Evidence: Not publicly disclosed; scope: Umbrella & Excess Liability Insurance page as read on 2026-09-23; the issuing insurer depends on the specific placement..) | Confirm in your quote. | | Who It’s For | Alliance Risk says umbrella and excess coverage is commonly needed by construction firms, manufacturers and distributors, retailers and hospitality businesses, and logistics and transportation companies with large vehicle fleets. [4](https://joinalliancerisk.com/umbrella-excess-liability-insurance/ "Umbrella & Excess Liability Insurance") (Evidence: Company-reported; scope: Umbrella & Excess Liability Insurance page, "Who Needs" section..) | The page recommends considering umbrella when a business needs more CGL limits than its main policy provides; the underlying-policy requirements are not published. [7](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | | Coverage Features | Alliance Risk distinguishes umbrella coverage, which it says can broaden protection to some claims not in the underlying policy, from excess coverage, which strictly follows the underlying policy's terms and only extends its limits; both exclude claims already excluded by the underlying policy, first-party property damage, workers' compensation claims and intentional or criminal acts. [4](https://joinalliancerisk.com/umbrella-excess-liability-insurance/ "Umbrella & Excess Liability Insurance") (Evidence: Company-reported; scope: Umbrella & Excess Liability Insurance page, "What Is" and "What Does/Doesn't Cover" sections; the issued policy and declarations control actual terms..) | The page describes umbrella as extending protection across multiple existing policies and contrasts excess coverage that extends one portion of insurance. [7](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | | Limits and Retentions | Alliance Risk describes umbrella/excess limits typically starting at $1M and extending to $25M or more, with indicative annual costs of $500–$1,500 for a $1M policy at a small business up to $10,000+ for large or high-risk operations. [4](https://joinalliancerisk.com/umbrella-excess-liability-insurance/ "Umbrella & Excess Liability Insurance") (Evidence: Company-reported; scope: Umbrella & Excess Liability Insurance page, cost section; illustrative ranges, not a specific quote..) | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [7](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) | | Risk Services | Alliance Risk's risk-management guidance for this line includes contractual risk-transfer agreements with vendors and subcontractors, periodic reviews of limits against business growth, and working with a broker to model catastrophic-loss scenarios. [4](https://joinalliancerisk.com/umbrella-excess-liability-insurance/ "Umbrella & Excess Liability Insurance") (Evidence: Company-reported; scope: Umbrella & Excess Liability Insurance page, "Risk Management Tips" section..) | Confirm in your quote. | | How to Apply | The reviewed umbrella/excess page does not describe a line-specific quote submission checklist beyond the general "Get a Quote" contact form used across Alliance Risk's product pages. [4](https://joinalliancerisk.com/umbrella-excess-liability-insurance/ "Umbrella & Excess Liability Insurance") (Evidence: Not found in reviewed sources; scope: Umbrella & Excess Liability Insurance page as read on 2026-09-23..) | The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. [7](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | | Claims Support | The reviewed umbrella/excess page does not describe a claims-handling or claims-advocacy process specific to this line. [4](https://joinalliancerisk.com/umbrella-excess-liability-insurance/ "Umbrella & Excess Liability Insurance") (Evidence: Not found in reviewed sources; scope: Umbrella & Excess Liability Insurance page as read on 2026-09-23..) | Confirm in your quote. | ## Related Pages for Alliance Risk vs Foxquilt - [Alliance Risk vs Foxquilt](https://spot.insure/compare/alliance-risk-vs-foxquilt): all coverage lines, business roles, service and claims. - [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella or excess insurance can add liability limits above selected underlying policies when a covered claim exceeds them; compare the schedule and any gaps. - [Alliance Risk vs Foxquilt Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/builders-risk) - [Alliance Risk vs Foxquilt Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/commercial-auto) - [Alliance Risk vs Foxquilt Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/commercial-property) - [Alliance Risk vs Foxquilt Crime Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/crime) - [Alliance Risk vs Foxquilt Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/cyber) - [Alliance Risk vs Foxquilt General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/general-liability) - [Alliance Risk vs Foxquilt Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/inland-marine) - [Alliance Risk vs Foxquilt Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/professional-errors-omissions) - [Alliance Risk vs Foxquilt Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/technology-errors-omissions) - [Alliance Risk vs Foxquilt Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/workers-compensation) - [AIG vs Alliance Risk Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/umbrella-excess) - [AIG vs Foxquilt Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-foxquilt/umbrella-excess) - [Alliance Risk vs Amelia Risk Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/umbrella-excess) - [Alliance Risk vs Aon Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-aon/umbrella-excess) - [Alliance Risk vs The Baldwin Group Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/umbrella-excess) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) ## Sources for Alliance Risk vs Foxquilt ### Sources About Alliance Risk 1. [Technology Insurance](https://joinalliancerisk.com/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. 2. [Tech E&O Insurance](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/). Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16. 3. [Get a Quote](https://joinalliancerisk.com/get-a-quote/). Alliance Risk; Request form; Prefer to Call?; Why Alliance Risk? section. Accessed 2026-09-16. 4. [Umbrella & Excess Liability Insurance](https://joinalliancerisk.com/umbrella-excess-liability-insurance/). Alliance Risk; What Is Umbrella & Excess Liability Insurance?; Who Needs Umbrella & Excess Liability Insurance?; What Does/Doesn't Umbrella & Excess Liability Insurance Cover?; How Much Does Umbrella & Excess Liability Insurance Cost?; Risk Management Tips. Accessed 2026-09-23. ### Sources About Foxquilt 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. [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. 7. [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. ### Sources for the Umbrella and Excess Liability Insurance Guide 8. [Liability Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance). Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16. 9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16. 10. [Lines of Insurance](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm). California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16. 11. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16. 12. [Products](https://kinro.com/products). Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16. Updated 2026-10-01. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Alliance Risk Review Scores for 2026 Review Score: not enough ratings. Alliance Risk has no customer ratings on the review sites we checked, so there's no Review Score yet. That says nothing bad about the company; it means you'll need to ask for references. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/alliance-risk/reviews). ## 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://spot.insure/insurance-providers/foxquilt/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/alliance-risk-vs-foxquilt/umbrella-excess.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://spot.insure/llms.txt)