--- title: "CNA vs Foxquilt: Hired and Non-Owned Auto Insurance" description: "CNA describes HNOA bodily-injury and property-damage liability and has a supplemental application; Foxquilt lists the feature under commercial auto without publishing its terms." canonical: "https://spot.insure/compare/cna-vs-foxquilt/hired-non-owned-auto" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "cna-vs-foxquilt" provider-a: "cna" provider-b: "foxquilt" coverage-line: "hired-non-owned-auto" --- 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/cna-vs-foxquilt/hired-non-owned-auto) ## Agent Guide **What this page is:** Focused comparison of CNA and Foxquilt for Hired and Non-Owned Auto 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 Hired and Non-Owned Auto Insurance questions about CNA 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:** - CNA vs Foxquilt for Hired and Non-Owned Auto Insurance: how do they differ? - Which is better for Hired and Non-Owned Auto Insurance, CNA or Foxquilt? - What does CNA or Foxquilt publish about Hired and Non-Owned Auto Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Hired and Non-Owned Auto Insurance from CNA or Foxquilt? **Key facts:** - Line: Hired and Non-Owned Auto Insurance. Providers: CNA 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:** - [CNA vs Foxquilt](https://spot.insure/compare/cna-vs-foxquilt) — parent: all coverage lines for this pair - [Hired and Non-Owned Auto Insurance guide](https://spot.insure/coverage/hired-non-owned-auto) — coverage explainer for this line - [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence) - [Foxquilt profile](https://spot.insure/insurance-providers/foxquilt) — provider profile (evidence) - [CNA vs Foxquilt Builders Risk Insurance](https://spot.insure/compare/cna-vs-foxquilt/builders-risk) — sibling comparison (other line, or other pair for this line) - [CNA vs Foxquilt Commercial Auto Insurance](https://spot.insure/compare/cna-vs-foxquilt/commercial-auto) — sibling comparison (other line, or other pair for this line) - [CNA vs Foxquilt Commercial Property Insurance](https://spot.insure/compare/cna-vs-foxquilt/commercial-property) — sibling comparison (other line, or other pair for this line) - [CNA vs Foxquilt Crime Insurance](https://spot.insure/compare/cna-vs-foxquilt/crime) — sibling comparison (other line, or other pair for this line) - [CNA vs Foxquilt Cyber Insurance](https://spot.insure/compare/cna-vs-foxquilt/cyber) — sibling comparison (other line, or other pair for this line) - [CNA vs Foxquilt General Liability Insurance](https://spot.insure/compare/cna-vs-foxquilt/general-liability) — sibling comparison (other line, or other pair for this line) - [CNA vs Foxquilt Inland Marine Insurance](https://spot.insure/compare/cna-vs-foxquilt/inland-marine) — sibling comparison (other line, or other pair for this line) - [CNA vs Foxquilt Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-foxquilt/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [CNA vs Foxquilt Tech E&O Insurance](https://spot.insure/compare/cna-vs-foxquilt/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [CNA vs Foxquilt Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-foxquilt/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [CNA vs Foxquilt Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-foxquilt/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-cna/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line) - [AIG vs Foxquilt Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-foxquilt/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-cna/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Foxquilt Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-foxquilt/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line) - [Beazley vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-cna/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line) - [Beazley vs Foxquilt Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-foxquilt/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line) # CNA vs Foxquilt: How Do They Compare for Hired and Non-Owned Auto Insurance? CNA describes HNOA bodily-injury and property-damage liability and has a supplemental application; Foxquilt lists the feature under commercial auto without publishing its terms. ## How to Use the CNA vs Foxquilt Hired and Non-Owned Auto Insurance Comparison Use this comparison to evaluate CNA and Foxquilt for Hired and Non-Owned Auto 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. ## CNA vs Foxquilt Hired and Non-Owned Auto Insurance Summary CNA’s commercial auto page says hired and non-owned business vehicles are covered for bodily injury and property damage, with a dedicated exposure guide and application. Foxquilt lists HNOA under commercial auto but does not establish definitions, limits, or a separate application. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses") [9](https://www.foxquilt.com/businesscoverage.html "Other Coverages") ## CNA Small Business Insurance: Products, Agents and Service CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. [1](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [3](https://www.cna.com/cnadisclaimer/generaldisclaimer "General Disclaimer") [CNA profile](https://spot.insure/insurance-providers/cna) ## 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. [7](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [8](https://www.foxquilt.com/terms-of-use.html "Foxquilt Insurance Services | Terms & Conditions") [Foxquilt profile](https://spot.insure/insurance-providers/foxquilt) ## What Is Hired and Non-Owned Auto Insurance? Hired and non-owned auto (HNOA) liability protects the business when rented cars or employees’ own cars are used for work. It does not pay for damage to those vehicles, and it is not a substitute for commercial auto on vehicles the business owns. [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Auto Liability Insurance") [12](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form") ## What Are the Key Differences Between CNA and Foxquilt Hired and Non-Owned Auto Insurance? ### Published Coverage Specificity CNA states that its commercial auto policy covers bodily injury and property damage caused by hired or non-owned vehicles used for business. It defines rentals and employees’ personal vehicles in a risk-control guide and uses a supplemental HNOA application. Foxquilt lists “Hired & non-owned” beneath its Commercial Auto card, but the reviewed material does not establish what vehicles, triggers, or limits the feature covers. A label alone cannot answer whether a business exposure is insured. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses") [5](https://www.cna.com/sites/default/files/assets/f2ed1758-907a-48ee-9207-2c3a3bc0d539/rc-hired-non-owned-auto-guide.pdf?fid= "Hired and Non-Owned Auto Exposures") [9](https://www.foxquilt.com/businesscoverage.html "Other Coverages") ### Quote Preparation CNA’s form asks about personal-auto limits, rentals, prior HNOA coverage, and five years of losses. Foxquilt directs buyers to the Commercial Auto quote page and does not document a separate HNOA quote path. If you approach Foxquilt, ask for the endorsement or policy language and confirm which information it needs before comparing the offer with CNA. [6](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid= "Hired / Non-Owned Auto Supplemental Application") [9](https://www.foxquilt.com/businesscoverage.html "Other Coverages") ## What Should You Confirm in CNA and Foxquilt Hired and Non-Owned Auto Insurance Quotes? - Ask Foxquilt for covered vehicle definitions, limits, exclusions, and the actual HNOA form. [9](https://www.foxquilt.com/businesscoverage.html "Other Coverages") - Ask CNA how personal-auto limits and past losses affect the offered terms. [6](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid= "Hired / Non-Owned Auto Supplemental Application") ## CNA vs Foxquilt Hired and Non-Owned Auto Insurance Compared | Criteria | Commercial Auto – Hired and Non-Owned Auto | Foxquilt Hired and Non-Owned Auto feature | | --- | --- | --- | | Role in This Line | Confirm in your quote. | Foxquilt lists Hired & non-owned beneath its Commercial Auto card; the source does not establish a separate HNOA policy. [9](https://www.foxquilt.com/businesscoverage.html "Other Coverages") (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..) | | Who It’s For | CNA’s risk-control guide describes hired vehicles as rentals used for business and non-owned vehicles as employees’ personal vehicles sometimes used for business. [5](https://www.cna.com/sites/default/files/assets/f2ed1758-907a-48ee-9207-2c3a3bc0d539/rc-hired-non-owned-auto-guide.pdf?fid= "Hired and Non-Owned Auto Exposures") (Evidence: Company-reported; scope: The guide explains the exposure and is not itself policy language or an eligibility rule..) | Confirm in your quote. | | Coverage Features | CNA says its commercial auto policy covers bodily injury and property damage caused by hired and non-owned vehicles used for business. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses") (Evidence: Company-reported; scope: This is a top-level coverage description; the policy defines insureds, covered autos, conditions and exclusions..) | The source identifies hired and non-owned vehicles as a feature of its Commercial Auto marketing; it does not establish the feature’s definitions, triggers or limits. [9](https://www.foxquilt.com/businesscoverage.html "Other Coverages") (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 | Confirm in your quote. | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [9](https://www.foxquilt.com/businesscoverage.html "Other Coverages") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) | | Risk Services | CNA describes driver-distraction and cargo-securement risk-control programs and says underwriting and risk-control staff tailor resources to industry exposures. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses") (Evidence: Company-reported; scope: These are commercial-auto program services, not proof of a particular account’s enrollment or outcome..) | Confirm in your quote. | | How to Apply | A CNA HNOA supplemental application asks about personal-auto limits, leased or rented vehicles, prior HNOA coverage and five years of loss history. [6](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid= "Hired / Non-Owned Auto Supplemental Application") (Evidence: Company-reported; scope: The form is an edition 2/08 example; CNA does not establish that this exact form applies to every risk today..) | Foxquilt directs buyers to the Commercial Auto product page for a quote; no separate HNOA quote or application path is documented. [9](https://www.foxquilt.com/businesscoverage.html "Other Coverages") (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..)

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. [9](https://www.foxquilt.com/businesscoverage.html "Other Coverages") (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..) | ## Related Pages for CNA vs Foxquilt Hired and Non-Owned Auto Insurance - [CNA vs Foxquilt](https://spot.insure/compare/cna-vs-foxquilt): all coverage lines, business roles, service and claims. - [What Is Hired and Non-Owned Auto Insurance?](https://spot.insure/coverage/hired-non-owned-auto): Hired and non-owned auto liability can protect your business when employees use personal or rented vehicles for work, but it does not cover damage to those vehicles. - [CNA vs Foxquilt Builders Risk Insurance](https://spot.insure/compare/cna-vs-foxquilt/builders-risk) - [CNA vs Foxquilt Commercial Auto Insurance](https://spot.insure/compare/cna-vs-foxquilt/commercial-auto) - [CNA vs Foxquilt Commercial Property Insurance](https://spot.insure/compare/cna-vs-foxquilt/commercial-property) - [CNA vs Foxquilt Crime Insurance](https://spot.insure/compare/cna-vs-foxquilt/crime) - [CNA vs Foxquilt Cyber Insurance](https://spot.insure/compare/cna-vs-foxquilt/cyber) - [CNA vs Foxquilt General Liability Insurance](https://spot.insure/compare/cna-vs-foxquilt/general-liability) - [CNA vs Foxquilt Inland Marine Insurance](https://spot.insure/compare/cna-vs-foxquilt/inland-marine) - [CNA vs Foxquilt Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-foxquilt/professional-errors-omissions) - [CNA vs Foxquilt Tech E&O Insurance](https://spot.insure/compare/cna-vs-foxquilt/technology-errors-omissions) - [CNA vs Foxquilt Umbrella and Excess Liability Insurance](https://spot.insure/compare/cna-vs-foxquilt/umbrella-excess) - [CNA vs Foxquilt Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-foxquilt/workers-compensation) - [AIG vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-cna/hired-non-owned-auto) - [AIG vs Foxquilt Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-foxquilt/hired-non-owned-auto) - [Amelia Risk vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-cna/hired-non-owned-auto) - [Amelia Risk vs Foxquilt Hired and Non-Owned Auto Insurance](https://spot.insure/compare/amelia-risk-vs-foxquilt/hired-non-owned-auto) - [Beazley vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-cna/hired-non-owned-auto) - [Beazley vs Foxquilt Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-foxquilt/hired-non-owned-auto) ## Sources for CNA vs Foxquilt Hired and Non-Owned Auto Insurance ### Sources About CNA 1. [Insurance for Small Businesses](https://www.cna.com/solutions/small-business). CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark).. Accessed 2026-09-28. 2. [CNA Connect Small Businessowners Policy (BOP) | CNA Insurance](https://www.cna.com/products/cna-connect). CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28. 3. [General Disclaimer](https://www.cna.com/cnadisclaimer/generaldisclaimer). CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29.. Accessed 2026-09-29. 4. [Commercial Auto Insurance for Businesses](https://www.cna.com/products/commercial-auto). CNA; Current U.S. page: owned, hired and non-owned business-use vehicles; automobile liability/physical damage; driver safety and cargo securement risk-control programs; tailored underwriting and claims teams. Retrieved 2026-09-30.. Accessed 2026-09-30. 5. [Hired and Non-Owned Auto Exposures](https://www.cna.com/sites/default/files/assets/f2ed1758-907a-48ee-9207-2c3a3bc0d539/rc-hired-non-owned-auto-guide.pdf?fid=). CNA; Risk-control guide: definition and examples of employee-owned and hired vehicles used for business, personal-auto-first discussion, and suggested employer controls; guide content is educational and does not state CNA policy wording. Retrieved 2026-09-30.. Accessed 2026-09-30. 6. [Hired / Non-Owned Auto Supplemental Application](https://www.cna.com/sites/default/files/assets/bbfd5854-c459-4ffb-bc35-2b9d2e7497d3/HealtAHFHiredAndNonOwnedAutoApp_CNA.pdf?fid=). CNA; PDF p. 2: CNA supplemental application asks about employee personal-auto limits, leased/rented vehicles, prior HNOA coverage and five-year loss history; edition 2/08, illustrative process document, not proof that this exact application applies to every risk. Retrieved 2026-09-30.. Accessed 2026-09-30. ### Sources About Foxquilt 7. [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. 8. [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. 9. [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. ### Sources for the Hired and Non-Owned Auto Insurance Guide 10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated?. Accessed 2026-09-16. 11. [Non-Owned Auto Liability Insurance](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability). Hiscox; What is covered?; Who is covered; What the policy does not cover. Accessed 2026-09-16. 12. [Business Auto Coverage Form](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf). ISO; hosted by National General; I.A p.1; II.A pp.2–3; II.B pp.3–4; III pp.4–6; IV.B.5 p.7. 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. ## CNA Review Scores for 2026 Review Score: 9.0 / 10 from 1 rated source, equally weighted. Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews. - NerdWallet: NerdWallet editorial rating for manufacturers 4.5/5 (Editorial rating). NerdWallet editorial assessment of CNA for U.S. manufacturers, not consumer average. Period: Published 2026-03-26. Checked 2026-09-29. [Best Insurance for Manufacturers in 2026](https://www.nerdwallet.com/business/insurance/learn/manufacturers) - Trustpilot: Displayed Trustpilot TrustScore 1.4/5 page text; 1.5/5 badge (TrustScore out of 5); 49 reviews. CNA.com profile, mixed business and consumer/LTC reports; self-selected, not representative commercial P&C sample. Period: 14 reviews in prior 12 months; 2026-09-29. Checked 2026-09-29. [CNA customer reviews](https://www.trustpilot.com/review/www.cna.com) - BBB: BBB customer-review average 1/5 (BBB star rating); 6 reviews. Long Term Care Insurance profile covering headquarters/corporate locations; not commercial P&C; six self-selected reviews. Period: Displayed 2026-09-29. Checked 2026-09-29. [CNA Financial Corporation customer reviews](https://www.bbb.org/us/il/chicago/profile/long-term-care-insurance/cna-financial-corporation-0683-90032439/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/cna/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/cna-vs-foxquilt/hired-non-owned-auto.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)