---
title: "Coalition vs Foxquilt"
description: "Compare Coalition’s broker-placed cyber and technology risk services with Foxquilt’s broader small-business coverage routes."
canonical: "https://spot.insure/compare/coalition-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/coalition-vs-foxquilt)

# Coalition vs Foxquilt

Compare Coalition’s broker-placed cyber and technology risk services with Foxquilt’s broader small-business coverage routes.

## Before You Quote

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

## Highlights

Coalition centers its offer on cyber insurance and risk services, with Tech E&O available for technology businesses through an appointed broker. Foxquilt markets broader small-business CGL and E&O online and through agents or brokers. If cyber monitoring or technology liability is central, compare Coalition’s policy and services with the exact Foxquilt proposal; the brands do not establish equivalent coverage. [13](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") [21](https://www.foxquilt.com/agent-broker-partner.html "Become a Foxquilt Agent/Broker Partner")

## Provider Reliability Assessments

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

### Coalition

Role: Hybrid role.

Broker Spot Score: **6.1/10** (partial score; 75% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Carrier & MGA Spot Score: **6.3/10** (partial score; 80% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: 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/coalition/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).

## 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

Coalition’s published route is built around cyber insurance, including Tech E&O for technology businesses, plus its Control security-monitoring service for policyholders. Coalition requires an appointed broker to obtain a quote. Foxquilt offers small-business CGL, broader E&O and cyber routes online and through agents or brokers. The practical choice may depend on whether you want a broker-placed cyber program with documented security tools or a broader small-business quote path; neither description establishes the terms or eligibility of your policy. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [7](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") [8](https://www.coalitioninc.com/control "Coalition Control") [13](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") [23](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [24](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") [27](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance")

The catalogue compares marketed memberships, not policy wording. Foxquilt’s HNOA is a commercial-auto feature, technology is a class within broader E&O, umbrella does not establish a separate excess product, and cleaner-program mobile equipment is program-specific. Coalition’s cyber excess options also require an underlying policy and are not a general commercial umbrella. [22](https://www.foxquilt.com/businesscoverage.html "Other Coverages") [24](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") [34](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") [36](https://www.foxquilt.com/businesscoverage/ConvertLabs.html "Cleaner Insurance Program by Foxquilt") [14](https://help.coalitioninc.com/hc/en-us/articles/13436025921051-Does-Coalition-offer-Excess-coverage "Does Coalition offer Excess coverage?")



## Coverage Comparison

| Coverage Type | Coalition | Foxquilt |
| --- | --- | --- |
| [Builders risk](https://spot.insure/coverage/builders-risk) | Not listed | Listed: Builder’s risk product page; policy-specific construction terms not established. [29](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. [20](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. [26](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. [28](https://www.foxquilt.com/businesscoverage/commercial-property.html "Commercial Property Insurance") |
| [Crime](https://spot.insure/coverage/crime) | Listed: Coalition offers crime insurance through its executive-risks product for private and nonprofit US organizations. [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") | 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. [35](https://www.foxquilt.com/businesscoverage/crime.html "Smarter Crime Insurance") [36](https://www.foxquilt.com/businesscoverage/ConvertLabs.html "Cleaner Insurance Program by Foxquilt") |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed: Coalition offers cyber insurance. [7](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") | Listed: Cyber product page; policy terms and limits not established. [27](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed: Coalition offers directors and officers liability through its executive-risks product for private and nonprofit US organizations. [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") | Not listed |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed: Coalition offers employment practices liability through its executive-risks product for private and nonprofit US organizations. [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") | Not listed |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Listed: Coalition offers fiduciary liability through its executive-risks product for private and nonprofit US organizations. [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") | Not listed |
| [General liability](https://spot.insure/coverage/general-liability) | Not listed | Listed: Company CGL product page; line-specific CGL membership only. [23](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [21](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. [22](https://www.foxquilt.com/businesscoverage.html "Other Coverages") |
| [Media liability](https://spot.insure/coverage/media) | Listed: Coalition identifies media liability within its Active Cyber policy. [18](https://www.coalitioninc.com/ai-coverage "Coalition AI Coverage") | Not listed |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: Coalition offers miscellaneous professional liability as an addition to eligible Active Cyber policies. [6](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability") | Listed: Professional E&O product page. [24](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: Coalition offers technology errors and omissions together with Active Cyber coverage for businesses that provide a technology product or service. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") | Listed: Technology/creative class within broader E&O; no separate technology form established. [24](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. [20](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [36](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. [20](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [34](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. [25](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 Risks and Services Are Described?

Technology businesses can ask Coalition about Tech E&O for exposures such as software downtime or failed delivery. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)

Coalition policyholders can use Control at no additional cost for attack-surface and vendor-risk monitoring, vulnerability alerts and guidance; Login Security requires connecting Microsoft or Google, and Coalition sells other security products separately. [8](https://www.coalitioninc.com/control "Coalition Control") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; 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. [20](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [23](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [24](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.)

Coalition identifies technology-service errors and describes cyber response exposures alongside a no-additional-cost Control tool for attack-surface monitoring and alerts. Its login-security feature requires connecting a Microsoft or Google account, and other security products cost extra. Foxquilt’s public pages describe CGL, E&O and cyber, but the reviewed sources do not document a comparable monitoring bundle. That is a limit of the evidence reviewed, not proof such a service is unavailable. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [8](https://www.coalitioninc.com/control "Coalition Control") [27](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance")

## What Is the Route to a Quote?

You need an appointed broker to buy Coalition coverage; Coalition can help you find access if your broker does not offer it, and says underwriting reviews industry, finances, operations and security. [13](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)

To add Tech E&O to a cyber quote, prepare your product or service description and contract answers; some applications need review before a price is released. [12](https://help.coalitioninc.com/hc/en-us/articles/7665704343963-How-to-add-Tech-E-O-coverage-to-a-Coalition-quote "How to add Tech E&O coverage to a Coalition quote") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)

Foxquilt says customers can request and buy CGL and E&O online, with team assistance available, and receive documents after purchase. Its screens show example businesses, sample limits and prices; these are company illustrations, not quotes tested for a buyer or evidence that every risk can bind online. [23](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [24](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") [19](https://www.foxquilt.com/ "Commercial Insurance, Business Liability Coverage | Foxquilt") (Evidence: Company-reported; scope: Company-reported CGL and E&O purchase workflow; no form was submitted and no quote or purchase was completed in this research.; verified: 2026-09-29.)

Coalition says buyers need an appointed broker and some Tech E&O applications require review before a price is released. Foxquilt describes online quoting and purchasing for CGL and E&O, plus agent and broker channels. Ask who will be appointed and what business, contract, and security details they need; if you prefer self-service, confirm whether your Foxquilt line can bind through the online route. [13](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") [12](https://help.coalitioninc.com/hc/en-us/articles/7665704343963-How-to-add-Tech-E-O-coverage-to-a-Coalition-quote "How to add Tech E&O coverage to a Coalition quote") [19](https://www.foxquilt.com/ "Commercial Insurance, Business Liability Coverage | Foxquilt") [21](https://www.foxquilt.com/agent-broker-partner.html "Become a Foxquilt Agent/Broker Partner")

## Questions to Resolve Before Comparing Proposals

- Which Coalition cyber and Tech E&O policy sections, limits, retention, and insurer apply, and what services are included versus sold separately? [3](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [8](https://www.coalitioninc.com/control "Coalition Control")
- Does Foxquilt’s proposed cyber policy include incident response or monitoring, and which exclusions and limits apply? Do not infer a bundled service from a catalogue listing. [27](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance")
- What will the appointed broker or Foxquilt route charge in premium, fees and commission, and who handles renewal and changes? [4](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation") [31](https://www.foxquilt.com/privacy-policy.html "Foxquilt Insurance Services | Consumer & Privacy Info")

## Compare Services

What each provider documents about the services you may need.

| Criteria | Coalition | Foxquilt |
| --- | --- | --- |
| Customer focus | Technology businesses can ask Coalition about Tech E&O for exposures such as software downtime or failed delivery. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)<br><br>Large businesses can compare Coalition’s Active Cyber for Enterprises with Allianz; the minimum revenue and underwriting criteria mean startups should not assume they qualify. [17](https://www.coalitioninc.com/enterprise "Active Cyber Insurance for Enterprises") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; 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. [20](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [23](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [24](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.) |
| Application process | You need an appointed broker to buy Coalition coverage; Coalition can help you find access if your broker does not offer it, and says underwriting reviews industry, finances, operations and security. [13](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)<br><br>To add Tech E&O to a cyber quote, prepare your product or service description and contract answers; some applications need review before a price is released. [12](https://help.coalitioninc.com/hc/en-us/articles/7665704343963-How-to-add-Tech-E-O-coverage-to-a-Coalition-quote "How to add Tech E&O coverage to a Coalition quote") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) | Foxquilt says customers can request and buy CGL and E&O online, with team assistance available, and receive documents after purchase. Its screens show example businesses, sample limits and prices; these are company illustrations, not quotes tested for a buyer or evidence that every risk can bind online. [23](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [24](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") [19](https://www.foxquilt.com/ "Commercial Insurance, Business Liability Coverage | Foxquilt") (Evidence: Company-reported; scope: Company-reported CGL and E&O purchase workflow; no form was submitted and no quote or purchase was completed in this research.; verified: 2026-09-29.) |
| Servicing and renewals | Coalition policyholders can use Control at no additional cost for attack-surface and vendor-risk monitoring, vulnerability alerts and guidance; Login Security requires connecting Microsoft or Google, and Coalition sells other security products separately. [8](https://www.coalitioninc.com/control "Coalition Control") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)<br><br>Plan renewal work early: Coalition says cyber renewals start 90 days before expiry and may be Automatic, Express or Standard. Express renewals need your responses, Standard renewals need a bind order and an updated signed application, and automatic renewal does not guarantee the same premium. [15](https://help.coalitioninc.com/hc/en-us/articles/6959642379547-How-do-Cyber-renewals-work-at-Coalition "How do Cyber renewals work at Coalition?") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) | Foxquilt says CGL and E&O policy documents and certificates are emailed after purchase and describes digital account tools. For agents and brokers, Foxquilt advertises digital endorsement and cancellation management and change requests in Foxden; this does not establish who has contractual authority or the processing terms for a particular policy. The public material reviewed does not establish policy-specific renewal handling, endorsement authority, cancellation process or service-level guarantees. [23](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [24](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") [20](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [21](https://www.foxquilt.com/agent-broker-partner.html "Become a Foxquilt Agent/Broker Partner") (Evidence: Company-reported; scope: Company-reported buyer servicing statements and agent/broker portal marketing; no account access or live service interaction tested.; verified: 2026-09-29.) |

## Related Reading

- [What Is Coalition Insurance?](https://spot.insure/insurance-providers/coalition)
- [What Is Foxquilt?](https://spot.insure/insurance-providers/foxquilt)

## Related Comparisons

- [Alliance Risk vs Coalition](https://spot.insure/compare/alliance-risk-vs-coalition)
- [Alliance Risk vs Foxquilt](https://spot.insure/compare/alliance-risk-vs-foxquilt)
- [Amelia Risk vs Coalition](https://spot.insure/compare/amelia-risk-vs-coalition)
- [Amelia Risk vs Foxquilt](https://spot.insure/compare/amelia-risk-vs-foxquilt)
- [Armilla vs Coalition](https://spot.insure/compare/armilla-vs-coalition)
- [Armilla vs Foxquilt](https://spot.insure/compare/armilla-vs-foxquilt)
- [At-Bay vs Coalition](https://spot.insure/compare/at-bay-vs-coalition)
- [At-Bay vs Foxquilt](https://spot.insure/compare/at-bay-vs-foxquilt)
- [Beazley vs Coalition](https://spot.insure/compare/beazley-vs-coalition)
- [CFC vs Coalition](https://spot.insure/compare/cfc-vs-coalition)
- [CFC vs Foxquilt](https://spot.insure/compare/cfc-vs-foxquilt)
- [Chubb vs Coalition](https://spot.insure/compare/chubb-vs-coalition)
- [Chubb vs Foxquilt](https://spot.insure/compare/chubb-vs-foxquilt)
- [Coalition vs Corgi](https://spot.insure/compare/coalition-vs-corgi)
- [Coalition vs Coterie Insurance](https://spot.insure/compare/coalition-vs-coterie)
- [Coalition vs Coverdash](https://spot.insure/compare/coalition-vs-coverdash)
- [Coalition vs Cowbell](https://spot.insure/compare/coalition-vs-cowbell)
- [Coalition vs Embroker](https://spot.insure/compare/coalition-vs-embroker)
- [Coalition vs Founder Shield](https://spot.insure/compare/coalition-vs-foundershield)
- [Coalition vs Gallagher](https://spot.insure/compare/coalition-vs-gallagher)
- [Coalition vs Harper](https://spot.insure/compare/coalition-vs-harper)
- [Coalition vs Heffernan Insurance Brokers](https://spot.insure/compare/coalition-vs-heffernan)
- [Coalition vs Hiscox](https://spot.insure/compare/coalition-vs-hiscox)
- [Coalition vs HUB International](https://spot.insure/compare/coalition-vs-hub-international)
- [Coalition vs Kinro](https://spot.insure/compare/coalition-vs-kinro)
- [Corgi vs Foxquilt](https://spot.insure/compare/corgi-vs-foxquilt)
- [Coterie Insurance vs Foxquilt](https://spot.insure/compare/coterie-vs-foxquilt)

## Sources

### [Coalition Official Website](https://www.coalitioninc.com/)

1. [Tech E&O Insurance Coverage](https://www.coalitioninc.com/technology-errors-and-omissions-insurance). Coalition; Who needs Technology Errors & Omissions coverage? (organizations that provide a technology product or service for a fee); Combine Technology Errors & Omissions coverage with Active Cyber Insurance; Coalition Advantage. Accessed 2026-09-16.
2. [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses). Coalition; Insurance Licenses: California row; Insurance Carriers; concluding disclosures. Accessed 2026-09-16.
3. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted and Non-admitted Cyber. Accessed 2026-09-16.
4. [U.S. Producer Compensation](https://www.coalitioninc.com/legal/producer-compensation). Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
5. [Executive Risks](https://www.coalitioninc.com/executive-risks-insurance). Coalition; FAQ: What type of businesses do you protect?, What limits do you offer? and What resources do you have for policyholders?; Product Offering: D&O, EPL, fiduciary, crime. Accessed 2026-09-16.
6. [Miscellaneous Professional Liability](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance). Coalition; Why Miscellaneous Professional Liability? (can be added to certain Active Cyber Insurance policies); MPL Advantage; Broker Benefits. Accessed 2026-09-16.
7. [Active Cyber Insurance](https://www.coalitioninc.com/cyber-insurance). Coalition; Active Cyber Insurance; Coverage Advantage: separate limit for breach response, pay-on-behalf for cyber extortion, funds transfer fraud, business interruption. Accessed 2026-09-16.
8. [Coalition Control](https://www.coalitioninc.com/control). Coalition; How We Help; Policyholder Features; Wirespeed ADR. Accessed 2026-09-16.
9. [Cyber Insurance Claims Experience](https://www.coalitioninc.com/claims-experience). Coalition; Pre-Claims Assistance; Claims Advantage. Accessed 2026-09-16.
10. [Where does Coalition offer cyber insurance coverage?](https://help.coalitioninc.com/hc/en-us/articles/7520450985883-Where-does-Coalition-offer-cyber-insurance-coverage) Coalition; United States. Accessed 2026-09-16.
11. [Are there any differences between Coalition’s admitted and surplus lines products?](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-Are-there-any-differences-between-Coalition-s-admitted-and-surplus-lines-products) Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
12. [How to add Tech E&O coverage to a Coalition quote](https://help.coalitioninc.com/hc/en-us/articles/7665704343963-How-to-add-Tech-E-O-coverage-to-a-Coalition-quote). Coalition; Opening; Step 1; Step 2; Last Step. Accessed 2026-09-16.
13. [How do I qualify for and buy cyber insurance from Coalition?](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition) Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16.
14. [Does Coalition offer Excess coverage?](https://help.coalitioninc.com/hc/en-us/articles/13436025921051-Does-Coalition-offer-Excess-coverage) Coalition; Where do I send my excess submissions?; What excess products does Coalition offer, and in what regions? (excess Cyber Surplus in the US and Canada; excess Tech E&O and MPL combined with cyber, US only). Accessed 2026-09-16.
15. [How do Cyber renewals work at Coalition?](https://help.coalitioninc.com/hc/en-us/articles/6959642379547-How-do-Cyber-renewals-work-at-Coalition) Coalition; Opening renewal-path table; Automatic; Express; Standard. Accessed 2026-09-16.
16. [How does Coalition make money?](https://help.coalitioninc.com/hc/en-us/articles/7608439306907-How-does-Coalition-make-money) Coalition; Premium retention and carrier payments paragraphs. Accessed 2026-09-16.
17. [Active Cyber Insurance for Enterprises](https://www.coalitioninc.com/enterprise). Coalition; Introduction; closing eligibility disclaimer. Accessed 2026-09-16.
18. [Coalition AI Coverage](https://www.coalitioninc.com/ai-coverage). Coalition; Coverage in Action table, including the Defamation row (Media Liability insuring agreement); Deepfake Response; policy disclaimers. Accessed 2026-09-16.

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

19. [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.
20. [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.
21. [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.
22. [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.
23. [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.
24. [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.
25. [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.
26. [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.
27. [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.
28. [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.
29. [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.
30. [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.
31. [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.
32. [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.
33. [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.
34. [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.
35. [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.
36. [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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/coalition-vs-foxquilt.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)