---
title: "At-Bay vs Foxquilt"
description: "Compare At-Bay’s cyber and technology-liability focus with Foxquilt’s broader small-business insurance routes."
canonical: "https://spot.insure/compare/at-bay-vs-foxquilt"
page-type: "provider-comparison"
updated-at: "2026-09-29"
---

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/at-bay-vs-foxquilt)

# At-Bay vs Foxquilt

Compare At-Bay’s cyber and technology-liability focus with Foxquilt’s broader small-business insurance routes.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Highlights

At-Bay centers its published U.S. offer on cyber, Tech E&O, and miscellaneous professional liability, with optional security services and a described incident-response path. Foxquilt markets small-business CGL, E&O, and cyber options, with documented online purchase routes for CGL and E&O; confirm whether its specific policy and services address your technology exposures. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [22](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance") [14](https://www.foxquilt.com/ "Commercial Insurance, Business Liability Coverage | Foxquilt")

## Provider Reliability Assessments

These sourced assessments are shown for context; this comparison does not select a winner.

### At-Bay

Role: Hybrid role.

Broker Spot Score: **5.2/10** (partial score; 15% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Carrier & MGA Spot Score: **7.1/10** (partial score; 30% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Claims and Servicing (The evidence does not sufficiently establish responsibility, access and escalation across the assessed services.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/at-bay/reliability).

### Foxquilt

Role: Managing general agent.

Carrier & MGA Spot Score: **5.1/10** (partial score; 15% of this role's weighting included). 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.; The AM Best rating on Foxquilt's homepage is not tied to a named insurer. We found no AM Best rating for the Markel company on the policy.; Greenlight Innovation Syndicate 3456 is being approved as a full Lloyd's syndicate from 2027. Its syndicate-level rating was not found.; The Google rating (4.8) is the company's own claim and was not checked.; Claims turnaround, complaint outcomes and Canadian provincial complaint data (for example OmbudService) were not researched.); 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.; The AM Best rating on Foxquilt's homepage is not tied to a named insurer. We found no AM Best rating for the Markel company on the policy.; Greenlight Innovation Syndicate 3456 is being approved as a full Lloyd's syndicate from 2027. Its syndicate-level rating was not found.; The Google rating (4.8) is the company's own claim and was not checked.; Claims turnaround, complaint outcomes and Canadian provincial complaint data (for example OmbudService) were not researched.); 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.; The AM Best rating on Foxquilt's homepage is not tied to a named insurer. We found no AM Best rating for the Markel company on the policy.; Greenlight Innovation Syndicate 3456 is being approved as a full Lloyd's syndicate from 2027. Its syndicate-level rating was not found.; The Google rating (4.8) is the company's own claim and was not checked.; Claims turnaround, complaint outcomes and Canadian provincial complaint data (for example OmbudService) were not researched.); 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.; The AM Best rating on Foxquilt's homepage is not tied to a named insurer. We found no AM Best rating for the Markel company on the policy.; Greenlight Innovation Syndicate 3456 is being approved as a full Lloyd's syndicate from 2027. Its syndicate-level rating was not found.; The Google rating (4.8) is the company's own claim and was not checked.; Claims turnaround, complaint outcomes and Canadian provincial complaint data (for example OmbudService) were not researched.); Disclosure Clarity (The supplied evidence did not support a score for Disclosure Clarity; 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.; The AM Best rating on Foxquilt's homepage is not tied to a named insurer. We found no AM Best rating for the Markel company on the policy.; Greenlight Innovation Syndicate 3456 is being approved as a full Lloyd's syndicate from 2027. Its syndicate-level rating was not found.; The Google rating (4.8) is the company's own claim and was not checked.; Claims turnaround, complaint outcomes and Canadian provincial complaint data (for example OmbudService) were not researched.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/foxquilt/reliability).

## At-Bay Reviews

Review Score: 9.5 / 10 from 2 rated sources, equally weighted.

At-Bay’s public review evidence is thin: one old G2 review and a BBB complaint record. It is not enough to judge day-to-day service or claims handling.

- BBB: BBB rating A (A+ to F). At-Bay identity; US commercial insurance review/satisfaction evidence sought on BBB. Period: accessed 2026-09-25. Checked 2026-09-25. [At-Bay | BBB Business Profile](https://www.bbb.org/us/ca/mountain-view/profile/insurance-companies/at-bay-1216-1000025767)
- G2: G2 star rating 4.5 (5 stars); 1 reviews. At-Bay company/product feedback; G2 seller profile identifies its offering as cybersecurity insurance and lists San Francisco headquarters. Not an insurance-policy claims or commercial-buyer satisfaction study. Period: review dated 2020-09-21. Checked 2026-09-25. [At-Bay seller profile and reviews](https://www.g2.com/es/sellers/at-bay)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/at-bay/reviews).

## Foxquilt Reviews

Review Score: 10.0 / 10 from 1 rated source, equally weighted.

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.

- 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)
- 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).

## Introduction

At-Bay’s published U.S. offer is concentrated on cyber, Tech E&O, and miscellaneous professional liability for technology-related risks. Foxquilt presents broader small-business insurance, including CGL, E&O, and cyber, with online quoting and agent or broker routes. If you need technology-specific cyber/E&O terms and incident services, compare At-Bay’s named product features and fees with the actual Foxquilt proposal; a shared cyber or E&O label alone does not establish equivalent protection. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") [18](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [19](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") [22](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance")

The coverage catalogue reports company-marketed categories, not matching policy terms or availability. At-Bay describes excess options for Cyber and Tech E&O, which do not establish a general commercial umbrella. Foxquilt’s umbrella page describes umbrella coverage but does not establish a separate excess product. Compare underlying policies and ask for each quote’s state-specific issuer and terms. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [29](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") [16](https://www.foxquilt.com/agent-broker-partner.html "Become a Foxquilt Agent/Broker Partner")

Read several other 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; 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. [17](https://www.foxquilt.com/businesscoverage.html "Other Coverages") [19](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") [31](https://www.foxquilt.com/businesscoverage/ConvertLabs.html "Cleaner Insurance Program by Foxquilt") [30](https://www.foxquilt.com/businesscoverage/crime.html "Smarter Crime Insurance")



## Coverage Comparison

| Coverage Type | At-Bay | Foxquilt |
| --- | --- | --- |
| [Builders risk](https://spot.insure/coverage/builders-risk) | Not listed | Listed: Builder’s risk product page; policy-specific construction terms not established. [24](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") |
| [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Not listed | Listed: Foxquilt’s About page lists Business Owner’s Policy among “Our Primary Coverages”; no current BOP-specific terms or bundled contents are established here. [15](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Not listed | Listed: Commercial auto product page; HNOA is not split out. [21](https://www.foxquilt.com/businesscoverage/commercial-auto.html "Commercial Auto Insurance") |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Not listed | Listed: Commercial property product page. [23](https://www.foxquilt.com/businesscoverage/commercial-property.html "Commercial Property Insurance") |
| [Crime](https://spot.insure/coverage/crime) | Not listed | Listed: 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. [30](https://www.foxquilt.com/businesscoverage/crime.html "Smarter Crime Insurance") [31](https://www.foxquilt.com/businesscoverage/ConvertLabs.html "Cleaner Insurance Program by Foxquilt") |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed: At-Bay offers primary and excess cyber insurance for businesses with revenue up to $5 billion. [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") | Listed: Cyber product page; policy terms and limits not established. [22](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance") |
| [General liability](https://spot.insure/coverage/general-liability) | Not listed | Listed: Company CGL product page; line-specific CGL membership only. [18](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [16](https://www.foxquilt.com/agent-broker-partner.html "Become a Foxquilt Agent/Broker Partner") |
| [Hired and non-owned auto](https://spot.insure/coverage/hired-non-owned-auto) | Not listed | Listed: Advertised as a Hired & non-owned feature beneath Foxquilt’s Commercial Auto card; no distinct HNOA policy or terms established. [17](https://www.foxquilt.com/businesscoverage.html "Other Coverages") |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: At-Bay offers primary miscellaneous professional liability insurance. [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") | Listed: Professional E&O product page. [19](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") |
| [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Listed: At-Bay offers primary and excess technology errors and omissions insurance for businesses with revenue up to $5 billion. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") | Listed: Technology/creative class within broader E&O; no separate technology form established. [19](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") |
| [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Not listed | Listed: 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. [15](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [31](https://www.foxquilt.com/businesscoverage/ConvertLabs.html "Cleaner Insurance Program by Foxquilt") |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Not listed | Listed: 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. [15](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [29](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Not listed | Listed: Workers’ compensation page; state requirements vary. [20](https://www.foxquilt.com/businesscoverage/workers-compensation.html "Workers’ Compensation Insurance") |

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.



## 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.

## Which Technology Risks Are Named?

Large technology companies may fit At-Bay’s published Tech E&O appetite, but the quote route matters: its product page lists up to $5 billion revenue and $10 million limits, while its broker platform lists $100 million and $3 million. These are ceilings, not guaranteed offers. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Current product-page appetite; no inference of pre-revenue, industry-specific or California eligibility.; verified: 2026-09-16.)

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. [15](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [18](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [19](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") (Evidence: Company-reported; scope: Company-described North American small-business audience and example product classes; actual appetite depends on product, class, state and underwriting.; verified: 2026-09-29.)

At-Bay’s Tech E&O description combines professional and cyber exposures such as coding errors, failed implementations, and customer contractual indemnity; Foxquilt lists technology and creative professionals within broader E&O. The At-Bay material is more specific about the technology errors it markets, but the issued policy and underwriting determine the actual protection. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [19](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)")

## Cyber Services and Incident Handling

Eligible policies may include Stance monitoring, fraud defense, employee training and cyber-advisor access, but the Embedded Security Fee and endorsement apply; MDR is a separate purchase from At-Bay Security, LLC. [7](https://www.at-bay.com/stance/ "At-Bay Stance") (Evidence: Company-reported; scope: Current service descriptions and footnotes; no claims of effectiveness or independent testing.; verified: 2026-09-16.)

After a cyber incident, At-Bay describes an in-house claims team, breach coach, response partners and incident-reporting routes; this documents its stated process, not claim payment or service quality. [8](https://www.at-bay.com/claims/ "Claims Handling") [9](https://www.at-bay.com/security/response-recovery/ "Response & Recovery") (Evidence: Company-reported; scope: Cyber incident process; confirm policy-specific notice obligations and consent requirements, including non-cyber E&O claims.; verified: 2026-09-16.)

Foxquilt’s cyber page describes insurance examples, while the reviewed pages do not establish a security monitoring bundle or an equivalent cyber incident service. This is a limit of the public material reviewed, not proof those services are unavailable. At-Bay also says an embedded security fee and endorsement apply to eligible Stance policies, and managed detection and response is a separate purchase. [22](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance") [14](https://www.foxquilt.com/ "Commercial Insurance, Business Liability Coverage | Foxquilt") [7](https://www.at-bay.com/stance/ "At-Bay Stance")

## Questions to Ask Before Comparing Quotes

- Which Tech E&O and cyber form, limits, retention, waiting period, and contractual-liability terms apply to your services and customer contracts? Ask whether At-Bay’s quote is primary or excess and whether your business fits the current appetite. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance")
- For Foxquilt, does the quoted E&O form cover the technology service you provide, and is cyber a separate policy or part of that form? Confirm state availability, issuer, limits, and exclusions. [19](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") [22](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance") [16](https://www.foxquilt.com/agent-broker-partner.html "Become a Foxquilt Agent/Broker Partner")
- What is included in At-Bay’s Stance fee, what security services are separate, and what renewal action is needed to avoid an automatic renewal? [7](https://www.at-bay.com/stance/ "At-Bay Stance") [6](https://www.at-bay.com/brokers/platform/ "Broker Platform")

## Compare Services

What each provider documents about the services you may need.

| Criteria | At-Bay | Foxquilt |
| --- | --- | --- |
| Customer focus | Large technology companies may fit At-Bay’s published Tech E&O appetite, but the quote route matters: its product page lists up to $5 billion revenue and $10 million limits, while its broker platform lists $100 million and $3 million. These are ceilings, not guaranteed offers. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Current product-page appetite; no inference of pre-revenue, industry-specific or California eligibility.; verified: 2026-09-16.)<br><br>A September 2023 Tech E&O appetite PDF still accessible on At-Bay’s site has lower revenue and limit ceilings than the current product page and lists restricted classes including autonomous AI. It should not be treated as current eligibility guidance; ask underwriting for the applicable appetite version. [12](https://www.at-bay.com/wp-content/uploads/2021/05/At-Bay-Tech-EO-Appetite-Guide-2022.pdf "At-Bay Surplus Tech E&O Appetite Guide") [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Legacy document has inconsistent autoquote revenue figures internally. Current HTML controls description of advertised ceilings, but current class eligibility remains unresolved.; verified: 2026-09-16.) | 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. [15](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [18](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [19](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") (Evidence: Company-reported; scope: Company-described North American small-business audience and example product classes; actual appetite depends on product, class, state and underwriting.; verified: 2026-09-29.) |

## Related Reading

- [What Is At-Bay Insurance?](https://spot.insure/insurance-providers/at-bay)
- [What Is Foxquilt?](https://spot.insure/insurance-providers/foxquilt)

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- [Coterie Insurance vs Foxquilt](https://spot.insure/compare/coterie-vs-foxquilt)

## Sources

### [At-Bay Official Website](https://www.at-bay.com/)

1. [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/). At-Bay; Product cards and agency disclosure. Accessed 2026-09-16.
2. [Tech E&O Insurance Coverage and Policy Highlights](https://www.at-bay.com/insurance/tech-eo/). At-Bay; Tech E&O Coverage Highlights; Primary & Excess Appetite; footnotes 1–7; state disclaimer. Accessed 2026-09-16.
3. [Cyber Insurance](https://www.at-bay.com/insurance/cyber/). At-Bay; Cyber Coverage Highlights; Primary & Excess Appetite. Accessed 2026-09-16.
4. [MPL Insurance: Coverage Highlights & Appetite](https://www.at-bay.com/insurance/mpl/). At-Bay; MPL Coverage Highlights; MPL Appetite; state restrictions. Accessed 2026-09-16.
5. [Licenses](https://www.at-bay.com/licenses/). At-Bay; Producer introduction; California row; agency and surplus-lines footer. Accessed 2026-09-16.
6. [Broker Platform](https://www.at-bay.com/brokers/platform/). At-Bay; How it works: Create a quote, Customize your quote, Bind your policy, Manage renewals; FAQs. Accessed 2026-09-16.
7. [At-Bay Stance](https://www.at-bay.com/stance/). At-Bay; Real Protection Against Real Threats; Endpoint, Email, MXDR; footnotes 1 and 3–6. Accessed 2026-09-16.
8. [Claims Handling](https://www.at-bay.com/claims/). At-Bay; At-Bay Cyber Incident Roadmap; The At-Bay Claims Team. Accessed 2026-09-16.
9. [Response & Recovery](https://www.at-bay.com/security/response-recovery/). At-Bay; Minimize Downtime with One Partner; integration with claims process. Accessed 2026-09-16.
10. [Terms of Service](https://www.at-bay.com/terms-of-service/). At-Bay; US terms effective April 11, 2023: Insurance Product Terms; Payment Policy; Service. Accessed 2026-09-16.
11. [At-Bay Begins Issuing Policies on its own E&S Paper](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/). At-Bay; August 9, 2023 release: opening paragraph and new-business transition effective August 7, 2023. Accessed 2026-09-16.
12. [At-Bay Surplus Tech E&O Appetite Guide](https://www.at-bay.com/wp-content/uploads/2021/05/At-Bay-Tech-EO-Appetite-Guide-2022.pdf). At-Bay; Pages 1–2; September 2023 copyright; revenue and limit statements; Restricted classes. Accessed 2026-09-16.
13. [At-Bay Doubles Miscellaneous Professional Liability Appetite](https://www.at-bay.com/press_releases/at-bay-doubles-mpl/). At-Bay; September 28, 2023 release: final paragraph before Media Contacts. Accessed 2026-09-16.

### [Foxquilt Official Website](https://www.foxquilt.com/)

14. [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.
15. [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.
16. [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.
17. [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.
18. [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.
19. [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.
20. [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.
21. [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.
22. [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.
23. [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.
24. [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.
25. [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.
26. [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.
27. [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.
28. [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.
29. [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.
30. [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.
31. [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://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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