Beazley vs 
Foxquilt: How Do They Compare for Crime Insurance?
Beazley’s Crime and Fidelity page advertises a headline limit up to $25 million without splitting it between Commercial Crime and Financial Fidelity Bonds, and describes a conditional social-engineering agreement. Foxquilt names theft, fraud and forgery; compare crime-specific limits and applicable controls in each quote. 5,8
What Is Beazley?
Beazley’s MediaTech combines technology E&O, media and cyber, while Execuguard offers separate or shared executive-risk limits; small businesses seeking a quick standard quote should compare digital carriers. 1,2,3,4
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. 6,7
What Is Crime Insurance?
Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. 9,10,11,12,13
Key Differences in Crime Insurance
Beazley’s Crime and Fidelity page advertises a headline limit up to $25 million but does not split the figure between Commercial Crime and Financial Fidelity Bonds. It lists employee theft, computer fraud, client-property loss and social engineering subject to out-of-band payment verification. Foxquilt describes employee dishonesty, fraud and forgery; buyers should request the crime-specific limit and controls in each quote. 5 8
Limits and payment-instruction controls
Beazley’s Crime and Fidelity page advertises a headline limit up to $25 million but does not split the figure between Commercial Crime and Financial Fidelity Bonds. It says fraudulent-instruction coverage requires out-of-band authentication, unless documented controls and response plans support removal for additional premium. Foxquilt describes money-and-securities losses but its public overview does not establish buyer-specific limits or conditions. Request the crime-specific limit and verification wording. 5 8
Application materials
Beazley lists separate Commercial Crime, Massachusetts Crime and Social Engineering applications; Foxquilt provides a crime quote path. The listed forms give a buyer specific submission materials to discuss with Beazley, while Foxquilt’s route starts from its product page; neither description guarantees an offer. 5 8
What to Confirm in Crime Insurance Quotes
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Ask Beazley which limit applies to social engineering and how out-of-band verification is documented; ask Foxquilt for its available limit and conditions. 5 8
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Ask Beazley for the retention, discovery period, covered employee definitions and client-property terms; ask Foxquilt for those details in its proposed form. 5 8
Beazley and Foxquilt Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Beazley Review Score
Review Score
1 rated source
Beazley’s available customer feedback is mixed, with a 2.8/5 WalletHub rating from 15 reviews. That small, mixed-product sample gives business buyers limited guidance.[3][9]
Read Beazley reviewsFoxquilt Review Score
Review Score
3 rated sources
Customers rate Foxquilt well on Google (4.9 out of 5 from 526 reviews at its Charlotte office) and 3.5 out of 5 on Trustpilot from only 8 reviews. Put together, the Review Score is 8.9 out of 10.[12][5][6]
Read Foxquilt reviewsBeazley vs Foxquilt Crime Insurance Compared
Beazley vs Foxquilt: Crime Insurance: documented features by provider
| Criteria | Beazley Commercial Crime | Foxquilt Crime Insurance |
|---|---|---|
| Role in This Line | Beazley underwrites Commercial Crime insurance for commercial companies. The same product page separately describes Financial Fidelity Bonds, a related but distinct product line for financial institutions. 5Company-reported. Crime and Fidelity product page; distinguishes the commercial-company product from the financial-institution fidelity bond described on the same page. | Foxquilt markets Crime Insurance, either as a BOP add-on or as a standalone policy according to its product page. 8Company-reported. 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. |
| Who It’s For | Beazley markets Commercial Crime to ordinary commercial companies, not to banks or other financial institutions, which it addresses separately through Financial Fidelity Bonds. 5Company-reported. Product page target-customer language; no industry list or size threshold is published. | The page highlights small businesses that handle cash or have employees handling business funds; it does not specify underwriting eligibility. 8Company-reported. 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 | Beazley says Commercial Crime protects an organization from loss of money and securities caused by theft by its own employees, plus third-party-related losses such as forgery or alteration, on-premises and in-transit loss, money-order and counterfeit-currency fraud, computer fraud, client-property loss, credit-card fraud and related expense coverage. 5Company-reported. Product-page description of insuring agreements; exclusions, conditions and available sub-limits appear only in the issued policy. Beazley says its Commercial Crime policy includes a fraudulent-instruction (social-engineering) insuring agreement covering losses from wire transfers made on instructions from someone posing as a vendor, client or authorized employee, and that this cover is conditioned on out-of-band authentication of payment instructions. 5Company-reported. Product-page description; Beazley says the out-of-band-authentication condition can be removed for insureds with documented controls and response plans, subject to an additional premium. | The page describes money and securities losses from inside or outside theft, including employee dishonesty, fraud and forgery. 8Company-reported. 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 | Beazley advertises Commercial Crime limits of up to US $25,000,000. The page does not publish retentions, sub-limits by insuring agreement, or a minimum limit. 5Company-reported. Product-page headline limit figure; the page does not split the figure between Commercial Crime and Financial Fidelity Bonds. | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 8Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. |
| Risk Services | Beazley says its underwriting and claims professionals for this line work side by side so that, when a claim arises, the original underwriting intent of the policy is respected. 5Company-reported. Company-stated internal process description; no independent claims-handling outcome data is provided. | Confirm in your quote. |
| How to Apply | Beazley lists a standalone Crime application, a Massachusetts-specific Crime application and a separate Social Engineering application among its Tools & Resources, distinct from the Financial Fidelity Bond application forms on the same page. 5Company-reported. Tools & Resources section of the product page; the page does not describe an online quote or self-service purchase flow. | 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. 8Company-reported. 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 product page links to Beazley's general claim-notification channel for this line. It does not disclose a claims response-time commitment or a dedicated claims-handling process specific to Commercial Crime. 5Not publicly disclosed. Product page "Notify a Claim" link as read on 2026-09-23; response times were not found. | Confirm in your quote. |
Related Pages for Beazley vs Foxquilt Crime Insurance
Crime Insurance Pages for Beazley and Foxquilt
Other Coverage Lines Compared for Beazley vs Foxquilt
Other Crime Insurance Provider Comparisons
Sources for Beazley vs Foxquilt Crime Insurance
Sources About Beazley
- MediaTech for Small Businesses. Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; How can we help; SME placement paragraph; Tools & Resources. Accessed 2026-09-16.
- Legal Information. Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
- Execuguard (Combined EPL, D&O, and Fiduciary). Beazley; ExecuGuard product introduction: combined EPL, D&O and fiduciary coverage for private organizations; What we offer: separate or shared limits, admitted or non-admitted; How can we help. Accessed 2026-09-16.
- Virtual Care. Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
- Crime and Fidelity. Beazley; What we offer: Commercial Crime for commercial companies; fraudulent-instruction/social-engineering insuring agreement and out-of-band authentication condition; Limits up to US $25,000,000; How can we help; Tools & Resources application forms. Accessed 2026-09-23.
Sources About Foxquilt
- 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.
- 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.
- 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.
Sources for the Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
- Crime Non-Financial Applications and Forms. Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
- Crime Terms and Conditions. The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16.
- Commercial Crime Coverage Application. Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. Accessed 2026-09-16.
