Chubb vs 
Foxquilt: How Do They Compare for Workers’ Compensation Insurance?
Chubb says its workers’ compensation policy serves small businesses with one employee through $30 million in revenue and describes nurse case managers, return-to-work support, and a 24-hour adjuster-contact commitment for assigned lost-time claims. Foxquilt's overview lists medical care, lost wages, and employer liability. 4,1,7
What Is Chubb?
Chubb fits technology firms seeking DigiTech ERM or small businesses with up to $30 million in revenue seeking a BOP; buyers wanting an instant direct purchase should compare online carriers. Agents can quote eligible small accounts, with a faster cyber route. 1,2,3
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. 5,6
What Is Workers’ Compensation Insurance?
Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. 8,9,10,11
Key Differences in Workers’ Compensation Insurance
Published small-business fit and claims support
Chubb says small-business eligibility ranges from one employee through $30 million in revenue and describes nurse case managers, return-to-work support, and a goal of adjuster contact within 24 hours after assignment of a lost-time claim. Foxquilt's reviewed overview lists medical care, lost wages, and employer liability without detailing comparable service arrangements. Employers should ask Chubb which services apply and Foxquilt what claims support its quote includes. 4 7
State and policy terms
Foxquilt notes that requirements vary by state and employee situation but does not map a complete product footprint. Chubb offers an online quote or placement through an appointed agent; neither overview establishes a particular applicant’s eligibility or the limits in its quote. If you operate across states, confirm the policy forms and any state-fund-only locations before comparing service descriptions. 7 4
What to Confirm in Workers’ Compensation Insurance Quotes
Chubb 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.
Chubb Review Score
Review Score
5 rated sources
Chubb earns 5/5 from NerdWallet, which reports fewer-than-expected commercial property and liability complaints. Customer ratings are mixed across products and locations.[1][4][7][8][9]
Read Chubb 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 reviewsChubb vs Foxquilt Workers’ Compensation Insurance Compared
Chubb vs Foxquilt: Workers’ Compensation Insurance: documented features by provider
| Criteria | Chubb Small Business Workers' Compensation Insurance | Foxquilt Workers’ Compensation |
|---|---|---|
| Role in This Line | Chubb underwrites workers' compensation insurance directly for small businesses, crafted to pair with a Chubb BOP for combined policy and claims service. 4Company-reported. Workers' Compensation for Small Business product page. | Foxquilt markets Workers’ Compensation for businesses with employees. 7Company-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 | Chubb says this policy covers small businesses with as little as one employee up to $30 million in revenue, across a wide range of classes including technology. 4,1Company-reported. Coverage-highlights list on the small-business workers' compensation page. | The page notes that requirements and employee situations vary by state; it does not identify a complete state-by-state product footprint. 7Company-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 | Chubb lists coverage for medical expenses and lost wages, a waiver of subrogation option, various employer liability limits, and occasional international travel coverage available through a foreign package policy. 4Company-reported. Coverage-highlights list; specific options depend on the issued policy. | The page describes employee workplace-injury benefits including medical care and lost wages, with an employer-liability feature listed. 7Company-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 | The reviewed page does not publish specific dollar limits for medical expense or employer liability coverage, describing employer liability limits only as "various." 4Not found in reviewed sources. Workers' Compensation for Small Business page as read on 2026-09-23. | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 7Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. |
| Risk Services | Chubb describes internal nurse case managers, a return-to-work program, pharmacy benefit management, preferred-provider network access, and a Special Investigative Unit for suspected fraud as part of its workers' compensation claims service. 4Company-reported. Exceptional Service section of the small-business workers' compensation page; company-described service program. | Confirm in your quote. |
| How to Apply | You can request a quote online, or an appointed independent agent or broker can apply for a Chubb Appointment to place the policy. 4Company-reported. Small-business workers' compensation page quote call-to-action for business owners and for agents and brokers. | 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. 7Company-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 | Chubb says it commits to adjuster contact within 24 hours of receiving a lost-time claim assignment, offers simple online claims reporting, and re-prices every medical bill according to each state's fee schedule. 4Company-reported. Exceptional Service section; company-reported service commitments, not an independently verified outcome. | Confirm in your quote. |
Related Pages for Chubb vs Foxquilt Workers’ Compensation Insurance
Workers’ Compensation Insurance Pages for Chubb and Foxquilt
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Sources for Chubb vs Foxquilt Workers’ Compensation Insurance
Sources About Chubb
- Insurance for Technology Companies. Chubb; Products and services list naming workers' compensation among Chubb's technology-industry offerings. Accessed 2026-09-23.
- Terms Of Use. Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
- Cyber Insurance Coverage & Products. Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
- Workers' Compensation Insurance for Small Business. Chubb; Small Business Workers' Compensation Coverage Highlights; Exceptional Service; Total Account Solution. 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.
- 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.
Sources for the Workers’ Compensation Insurance Guide
- Workers’ Compensation Insurance. National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
- Small Business Insurance. National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
- DWC employer information. California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.
- Employer resources. Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16.
