---
title: "Embroker vs Foxquilt"
description: "Compare Embroker’s documented business and service route with Foxquilt’s small-business insurance options, including what to verify in quotes."
canonical: "https://spot.insure/compare/embroker-vs-foxquilt"
page-type: "provider-comparison"
updated-at: "2026-09-30"
---

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/embroker-vs-foxquilt)

# Embroker vs Foxquilt

Compare Embroker’s documented business and service route with Foxquilt’s small-business insurance options, including what to verify in quotes.

## Before You Quote

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

## Highlights

Foxquilt describes a small-business insurance platform with online purchasing for selected products; Embroker a lawyers’ liability specimen names embroker insurance services llc as producer. confirm the producer and insurer named for your own policy. Compare the service and submission routes, then confirm the product, insurer and terms available for your business. [27](https://www.foxquilt.com/ "Commercial Insurance, Business Liability Coverage | Foxquilt") [31](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [15](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf "Everest Elevation Lawyers Professional Liability — Specimen") [26](https://app.embroker.com/signup "Start An Embroker Quote")

## Provider Reliability Assessments

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

### Embroker

Role: Broker.

Broker Spot Score: **5.1/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); 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/embroker/reliability).

### Foxquilt

Role: Managing general agent.

Carrier & MGA Spot Score: **No Spot Score**. 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.; Greenlight Innovation Syndicate 3456 is being approved as a full Lloyd's syndicate from 2027. Its syndicate-level rating was not found.; Claims turnaround, complaint outcomes and Canadian provincial complaint data (for example OmbudService) were not researched.; Your policy documents show which insurer actually issues your policy. The A ratings above apply only if it is one of the two Markel insurers named here.); 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.; Greenlight Innovation Syndicate 3456 is being approved as a full Lloyd's syndicate from 2027. Its syndicate-level rating was not found.; Claims turnaround, complaint outcomes and Canadian provincial complaint data (for example OmbudService) were not researched.; Your policy documents show which insurer actually issues your policy. The A ratings above apply only if it is one of the two Markel insurers named here.); 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.; Greenlight Innovation Syndicate 3456 is being approved as a full Lloyd's syndicate from 2027. Its syndicate-level rating was not found.; Claims turnaround, complaint outcomes and Canadian provincial complaint data (for example OmbudService) were not researched.; Your policy documents show which insurer actually issues your policy. The A ratings above apply only if it is one of the two Markel insurers named here.); 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.; Greenlight Innovation Syndicate 3456 is being approved as a full Lloyd's syndicate from 2027. Its syndicate-level rating was not found.; Claims turnaround, complaint outcomes and Canadian provincial complaint data (for example OmbudService) were not researched.; Your policy documents show which insurer actually issues your policy. The A ratings above apply only if it is one of the two Markel insurers named here.).

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

## Embroker Reviews

Review Score: 5.6 / 10 from 3 rated sources, equally weighted.

Embroker’s reviews are mixed, and BBB records a complaint-response concern. The feedback is too limited to establish consistent service quality.

- Trustpilot: TrustScore 2.9 (5); 2 reviews. Trustpilot review search using provider brand/domain; identity checked against the canonical insurance entity. Period: current page aggregate accessed 2026-09-25. Checked 2026-09-25. [Embroker Reviews | Read Customer Service Reviews](https://www.trustpilot.com/review/embroker.com)
- BBB: BBB business grade D+ (BBB letter grade). BBB business profile for Embroker, categorized as Small Business Insurance. Grade is BBB letter grade, not customer-star aggregate; complaint record is a product-issues billing/cancellation concern. Period: current profile; grade rationale includes 1 unanswered complaint. Checked 2026-09-25. [Embroker | BBB Business Profile](https://www.bbb.org/us/ca/san-francisco/profile/small-business-insurance/embroker-1116-974895)
- Birdeye: Combined office rating (Google + Birdeye sources) 3.9 (5); 19 reviews. Office-level listing at 24 Shotwell St, San Francisco; business profile links to embroker.com and categorizes it as Insurance. Birdeye displays combined rating from 18 Google-origin reviews plus 2 Birdeye-origin reviews. This is one office listing, not a firmwide aggregate; review dates displayed are old (examples from about five/six years before access date). Period: page accessed 2026-09-25; 17 Google-origin + 2 Birdeye-origin; displayed sample comments dated about 5-6 years earlier. Checked 2026-09-25. [Embroker - 20 Reviews - Insurance in San Francisco, CA | Birdeye](https://reviews.birdeye.com/embroker-150058735264881)

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

## Foxquilt Reviews

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).

## Introduction

If you want an online starting point for selected small-business policies, Foxquilt describes online quote and purchase options. Embroker A lawyers’ liability specimen names Embroker Insurance Services LLC as producer. Confirm the producer and insurer named for your own policy. The distinction matters when deciding whether to begin with an online product flow or work through the Embroker route; ask who will prepare the submission and support changes after binding. [31](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [26](https://app.embroker.com/signup "Start An Embroker Quote")



## Coverage Comparison

| Coverage Type | Embroker | Foxquilt |
| --- | --- | --- |
| [Builders risk](https://spot.insure/coverage/builders-risk) | Not listed | Listed: Builder’s risk product page; policy-specific construction terms not established. [37](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") |
| [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Listed: Embroker lists a business owner’s policy with a quote route. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | 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. [28](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed: Embroker offers help obtaining commercial auto insurance and invites quote requests. [21](https://www.embroker.com/coverage/commercial-auto-insurance/ "Commercial Auto Insurance") | Listed: Commercial auto product page; HNOA is not split out. [34](https://www.foxquilt.com/businesscoverage/commercial-auto.html "Commercial Auto Insurance") |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Listed: Embroker offers help obtaining commercial property insurance and invites property quote requests. [22](https://www.embroker.com/coverage/commercial-property-insurance/ "Commercial Property Insurance") | Listed: Commercial property product page. [36](https://www.foxquilt.com/businesscoverage/commercial-property.html "Commercial Property Insurance") |
| [Crime](https://spot.insure/coverage/crime) | Listed: Embroker lists commercial crime and offers a corresponding quote path. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | 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. [43](https://www.foxquilt.com/businesscoverage/crime.html "Smarter Crime Insurance") [44](https://www.foxquilt.com/businesscoverage/ConvertLabs.html "Cleaner Insurance Program by Foxquilt") |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed: Embroker lists cyber insurance with a quote route. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed: Cyber product page; policy terms and limits not established. [35](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed: Embroker lists directors and officers insurance with a quote route. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Not listed |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed: Embroker offers quotes for employment practices liability as an individual coverage. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Not listed |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Listed: Embroker lists fiduciary liability with a quote route. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Not listed |
| [General liability](https://spot.insure/coverage/general-liability) | Listed: Embroker offers a general liability quote route among its individual business coverages. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed: Company CGL product page; line-specific CGL membership only. [31](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [29](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. [30](https://www.foxquilt.com/businesscoverage.html "Other Coverages") |
| [Key person](https://spot.insure/coverage/key-person) | Listed: Embroker arranges key person insurance. [20](https://www.embroker.com/coverage/key-person-insurance/ "Key Person Insurance") | Not listed |
| [Management liability](https://spot.insure/coverage/management-liability) | Listed: Embroker markets a management insurance suite for private companies. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") | Not listed |
| [Product liability](https://spot.insure/coverage/product-liability) | Listed: Embroker lists product liability insurance for companies that produce, distribute or sell products. [24](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance") | Not listed |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: Embroker lists professional liability (errors and omissions) for professional services, separately from lawyers professional liability and technology errors and omissions. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") [14](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/ "Lawyers Professional Liability — Broker Program") | Listed: Professional E&O product page. [32](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Listed: Embroker arranges construction-contract and license or permit surety bonds. [23](https://www.embroker.com/coverage/surety-bonds/ "Surety Bonds") | Not listed |
| [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Listed: Embroker offers blended technology errors and omissions and cyber coverage through appointed brokers for private, for-profit technology companies with revenue below $300 million, excluding crypto, blockchain and cannabis businesses. [11](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Tech E&O / Cyber — Broker Program") | Listed: Technology/creative class within broader E&O; no separate technology form established. [32](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. [28](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [44](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. [28](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [42](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") |
| [Venture capital asset protection](https://spot.insure/coverage/venture-capital-asset-protection) | Listed: Embroker markets VCAP insurance for venture capital and private equity firms. [25](https://www.embroker.com/venture-capital-private-equity-firms/ "Insurance For Venture Capital And Private Equity Firms") | Not listed |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed: Embroker arranges workers’ compensation insurance. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed: Workers’ compensation page; state requirements vary. [33](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 Businesses Each Route Describes

Foxquilt’s stated customer focus is: 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. Embroker describes its audience this way: Funded startups, technology firms, law firms and other professional-services businesses can apply online or get broker help buying and managing coverage through Embroker. Treat these as documented market focus, not a promise that a specific applicant qualifies. Before comparing quotes, give both routes the same business description, revenue, locations, operations and contract requirements. [28](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [1](https://www.embroker.com/ "Embroker")

## Compare The Products You Actually Need

Foxquilt documents Foxquilt has current product-specific pages for commercial general liability, professional E&O, workers’ compensation, commercial auto, cyber, commercial property, builders risk, umbrella and crime. The About page separately lists Business Owner’s Policy, Umbrella/Excess and Inland Marine among “Our Primary Coverages”; its umbrella page describes umbrella and distinguishes it from excess. A cleaner-program page describes limited mobile-equipment (inland marine) and crime coverage and uses a Crime/Bonds label without bond terms. The E&O page includes technology and creative professions within broader E&O; the reviewed material does not establish a separate technology E&O form. Embroker documents Technology companies can include Tech E&O/Cyber with D&O, EPL and fiduciary coverages in Embroker’s August 2026 Management Insurance Suite, selecting individual lines or a bundle. The catalogues can differ in breadth and product scope; both records list general liability, technology errors omissions, professional errors omissions, while Embroker also lists directors officers, employment practices, fiduciary, management liability in its current coverage record. A shared line name does not mean the policies use the same form or cover the same exposures. Ask for the proposed insurer, policy form, limits, retentions, exclusions and endorsements for each requested line. [31](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS")

## Application And Support

Foxquilt’s product pages describe an online route for selected CGL and E&O policies, with assistance available. Embroker describes this application route: Embroker provides an online quote entry; the reviewed observation establishes the entry point, not the fields collected. This difference can change who prepares the submission and supports you before binding. Ask whether you can finish the application online, whether a broker or agent must submit it, what information is needed, and who confirms binding and the effective date. [31](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [26](https://app.embroker.com/signup "Start An Embroker Quote")

## Confirm The Insurer And Compensation

Foxquilt’s insurer disclosure says Foxquilt’s product pages display Markel, Greenlight Re and Lloyd’s-related marks under “Backed by industry leaders.” The reviewed pages do not map those names to the insurer, reinsurer, coverholder, or delegated authority for a particular U.S. product, state or policy; confirm the insurer and producer on the quote and policy documents. Embroker reports Check each policy’s insurer: Embroker names Everspan for EMIS and excess Tech E&O/Cyber, and Everest National for lawyers’ liability; these do not establish one carrier for all products. These disclosures do not identify the insurer on your individual policy. Request the issuing company and producer details for each quote, plus a written breakdown of premium, fees and broker compensation. [31](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS")

## Service After Purchase

Foxquilt describes servicing as follows: 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. Embroker describes this service route: Existing policyholders may renew legacy management products, but new customers use EMIS; switching requires a new application, according to Embroker. Ask who handles routine certificates, policy changes, renewal discussions and claims notices for your account, and whether that contact is the broker, insurer or another administrator. [31](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS")

## Compare Services

What each provider documents about the services you may need.

| Criteria | Embroker | Foxquilt |
| --- | --- | --- |
| Business role | A lawyers’ liability specimen names Embroker Insurance Services LLC as producer. Confirm the producer and insurer named for your own policy. [15](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf "Everest Elevation Lawyers Professional Liability — Specimen") (Evidence: Company-reported; scope: Producer named in the lawyers’ liability specimen only. This fact does not establish ultimate ownership, the producer for every product or nationwide licensing.; verified: 2026-09-29.)<br><br>Embroker offers its own programs directly and through other brokers; it may do underwriting work under insurer guidelines, but the insurer named in your policy carries the risk. [10](https://access.embroker.com/ "Embroker Access") [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Program distribution and delegated work as described by the company. Not a finding of statutory MGA status or identical authority on every product.; verified: 2026-09-15.)<br><br>The reviewed materials do not establish Embroker, Inc.’s ultimate beneficial ownership. [7](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forl-m15000008735-158ae97b-a8ff-4f0b-8741-df22b86b81c9&directionType=Initial&inquirytype=EntityName&listNameOrder=EMBROIDUSA+P070000384650&searchNameOrder=EMBROKERINSURANCESERVICES+M150000087350&searchTerm=EMBROIDUSA%2CINC. "Embroker Insurance Services LLC — Entity Record") (Evidence: Not found in reviewed sources; scope: Ultimate beneficial ownership remains unresolved; the reviewed materials do not establish a current controlling parent. Funding or partnership is not ownership proof.; verified: 2026-09-29.) | Foxquilt markets a North American small-business insurance platform and describes licensed-broker services. Its terms name Foxquilt Insurance Services Inc. as the website, products and services operator. Its agent page calls Foxquilt a ‘North American Carrier’ and reports admitted CGL paper in 42 U.S. states and seven Canadian provinces, but names no license-holding entity or license identifier there. The reviewed sources do not map the Inc. or the separately listed Foxquilt Insurance Services LLC to a particular U.S. placement, delegated authority or issuing insurer, so the brand’s U.S. regulated role remains unresolved. [27](https://www.foxquilt.com/ "Commercial Insurance, Business Liability Coverage | Foxquilt") [38](https://www.foxquilt.com/terms-of-use.html "Foxquilt Insurance Services | Terms & Conditions") [39](https://www.foxquilt.com/privacy-policy.html "Foxquilt Insurance Services | Consumer & Privacy Info") [29](https://www.foxquilt.com/agent-broker-partner.html "Become a Foxquilt Agent/Broker Partner") [40](https://my.westfieldinsurance.com/AgentLocator/AgencyDetailEntry.aspx?AgencyId=7480 "Agency Detail: Foxquilt Insurance Services LLC") (Evidence: Company-reported; scope: Foxquilt brand and the separately named Inc. and LLC; company disclosures accessed through 2026-09-29. License wording is provider-published and was not independently regulator-verified; no exact license identifiers were found in the inspected provider disclosures.; verified: 2026-09-29.) |
| Customer focus | Funded startups, technology firms, law firms and other professional-services businesses can apply online or get broker help buying and managing coverage through Embroker. [1](https://www.embroker.com/ "Embroker") [2](https://www.embroker.com/terms/ "Terms And Conditions") [4](https://www.embroker.com/faq/ "Insurance FAQ") (Evidence: Company-reported; scope: Current public customer positioning and documented distribution channels; no claim that every applicant is eligible.; verified: 2026-09-15.) | 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. [28](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [31](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [32](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.) |
| Coverage lines | Technology companies can include Tech E&O/Cyber with D&O, EPL and fiduciary coverages in Embroker’s August 2026 Management Insurance Suite, selecting individual lines or a bundle. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") (Evidence: Company-reported; scope: 19 August 2026 launch, new-business product. Company report of structure, not policy wording or proof of same-session binding.; verified: 2026-09-15.)<br><br>The broker Tech E&O/Cyber program targets private, for-profit technology companies below $300 million revenue, excludes crypto, blockchain and cannabis, and requires MFA above $5 million revenue. [11](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Tech E&O / Cyber — Broker Program") (Evidence: Company-reported; scope: Current Embroker Access primary program appetite. Not applied to all Embroker products or proof of eligibility for a particular account.; verified: 2026-09-15.)<br><br>Ask for the exact Tech E&O form if IP coverage matters: Embroker’s retail page lists IP infringement exclusions while its broker program advertises software-code infringement coverage, and public pages do not reconcile the difference. [12](https://www.embroker.com/coverage/tech-errors-omissions/ "Technology Errors And Omissions / Cyber") [11](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Tech E&O / Cyber — Broker Program") (Evidence: Conflicting sources; scope: Retail What’s not included and FAQ versus Access Additional features. Product version and exact covered IP rights are unresolved; no conclusion of blanket IP protection or exclusion.; verified: 2026-09-15.)<br><br>Eligible technology buyers can request an AI endorsement for AI services, discrimination allegations and regulatory-defense costs, with up to $150,000 for algorithm-removal expenses; verify triggers, exclusions and the sublimit in the endorsement. [18](https://www.embroker.com/blog/embroker-launches-ai-coverage/ "Embroker’s AI Coverage") (Evidence: Company-reported; scope: Company product announcement, not a policy-form analysis. Article displays May 2026 publication but says effective August 2025 and references the Startup Program; applicability to a particular EMIS or legacy quote must be confirmed.; verified: 2026-09-15.)<br><br>Technology firms with at least $1 million of underlying Tech E&O can ask Embroker Access about up to $5 million excess; cyber-only underlying policies do not qualify. [13](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/ "Excess Tech E&O / Cyber") (Evidence: Company-reported; scope: Access excess program, private for-profit businesses below $300 million revenue; no claim that all carrier forms qualify.; verified: 2026-09-15.)<br><br>If your primary Tech E&O is from Embroker, ask how to add higher limits because its retail FAQ says its excess product cannot sit above its own primary policy. [12](https://www.embroker.com/coverage/tech-errors-omissions/ "Technology Errors And Omissions / Cyber") (Evidence: Company-reported; scope: Retail FAQ restriction; do not interpret the broker page’s 50+ primary carriers as markets Embroker shops or automatically compatible forms.; verified: 2026-09-15.)<br><br>Law firms with 1–25 attorneys may fit Embroker’s lawyers’ liability program if they meet its no-claims/discipline, physical-address and risk-control criteria; it lists pre-claim help and defense-cost options. [14](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/ "Lawyers Professional Liability — Broker Program") (Evidence: Company-reported; scope: Current Access LPL appetite and features; not a finding that larger or claims-affected firms cannot obtain any insurance through Embroker brokerage.; verified: 2026-09-15.)<br><br>Law firms should check how claim timing and defense spending affect limits: the public Everest sample is claims-made, tied to a retroactive date, and makes claim expenses erode the limit, while current marketing describes defense outside the limit. Confirm the endorsements. [15](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf "Everest Elevation Lawyers Professional Liability — Specimen") [14](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/ "Lawyers Professional Liability — Broker Program") (Evidence: Company-reported; scope: Specimen LPL-CWF100A-1 0319, PDF p. 5, and LPL-CWF001A-1 0319 declarations, PDF p. 2. A 2019 specimen is not evidence of every current policy version; options may explain different defense treatment.; verified: 2026-09-15.)<br><br>Embroker’s main catalogue includes BOP, general liability, crime, cyber, D&O, EPL, fiduciary, professional liability, Tech E&O/Cyber and workers’ compensation. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") (Evidence: Company-reported; scope: Direct coverage cards and quote links; professional E&O consolidated separately from technology E&O and fiduciary liability. Website descriptions do not establish policy entitlements.; verified: 2026-09-15.)<br><br>Businesses can also ask Embroker about commercial auto and property, product liability, surety bonds and key-person life; venture firms can consider VCAP. [21](https://www.embroker.com/coverage/commercial-auto-insurance/ "Commercial Auto Insurance") [22](https://www.embroker.com/coverage/commercial-property-insurance/ "Commercial Property Insurance") [24](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance") [23](https://www.embroker.com/coverage/surety-bonds/ "Surety Bonds") [20](https://www.embroker.com/coverage/key-person-insurance/ "Key Person Insurance") [25](https://www.embroker.com/venture-capital-private-equity-firms/ "Insurance For Venture Capital And Private Equity Firms") (Evidence: Company-reported; scope: Accessible dedicated offering pages beyond the main coverage grid. No separate medical malpractice, fidelity bond, builders risk or employee benefits offering inferred from educational text or redirected URLs.; verified: 2026-09-15.)<br><br>Technology companies can bundle Tech E&O/Cyber with a BOP, while law firms can combine lawyers’ liability, cyber, BOP and workers’ compensation; package names do not guarantee identical policy terms. [17](https://www.embroker.com/non-funded-tech-companies/ "Insurance For Technology Companies") [16](https://www.embroker.com/law/ "Law Firm Insurance Package") (Evidence: Company-reported; scope: Current direct industry tabs. Optional hired/non-owned auto is not counted as a standalone coverage line.; verified: 2026-09-15.) | Foxquilt has current product-specific pages for commercial general liability, professional E&O, workers’ compensation, commercial auto, cyber, commercial property, builders risk, umbrella and crime. The About page separately lists Business Owner’s Policy, Umbrella/Excess and Inland Marine among “Our Primary Coverages”; its umbrella page describes umbrella and distinguishes it from excess. A cleaner-program page describes limited mobile-equipment (inland marine) and crime coverage and uses a Crime/Bonds label without bond terms. The E&O page includes technology and creative professions within broader E&O; the reviewed material does not establish a separate technology E&O form. [31](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [32](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") [33](https://www.foxquilt.com/businesscoverage/workers-compensation.html "Workers’ Compensation Insurance") [34](https://www.foxquilt.com/businesscoverage/commercial-auto.html "Commercial Auto Insurance") [35](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance") [36](https://www.foxquilt.com/businesscoverage/commercial-property.html "Commercial Property Insurance") [37](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") [28](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [42](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") [43](https://www.foxquilt.com/businesscoverage/crime.html "Smarter Crime Insurance") [44](https://www.foxquilt.com/businesscoverage/ConvertLabs.html "Cleaner Insurance Program by Foxquilt") (Evidence: Company-reported; scope: Current Foxquilt pages inspected 2026-09-29. These are marketed coverage memberships, not a conclusion that detailed policy terms are adequate for comparison. Product scope differs between standalone pages, a primary-coverages list, subfeatures and the ConvertLabs cleaner program; quote and policy determine actual terms, jurisdiction, issuer and eligibility.; verified: 2026-09-29.) |
| Application process | Embroker provides an online quote entry; the reviewed observation establishes the entry point, not the fields collected. [26](https://app.embroker.com/signup "Start An Embroker Quote") (Evidence: Company-reported; scope: Read-only observation of the public quote entry at https://app.embroker.com/signup on 15 September 2026; no form submitted or account created.; verified: 2026-09-29.)<br><br>An online account alone does not appoint Embroker as your broker; using its brokerage requires a broker-of-record appointment and usually exclusive work with Embroker for those services. [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Terms §2A; distinction between software access and brokerage engagement, not an interpretation of enforceability.; verified: 2026-09-15.)<br><br>An application may need more underwriting details or be declined, and a quote alone does not start coverage. [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Terms §13. No quote or binding transaction performed.; verified: 2026-09-15.) | 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. [31](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [32](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") [27](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 | Existing policyholders may renew legacy management products, but new customers use EMIS; switching requires a new application, according to Embroker. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") (Evidence: Company-reported; scope: Launch announcement’s stated transition rules as of research date; not a renewal guarantee.; verified: 2026-09-15.)<br><br>Broker-of-record clients can download policies and certificates from Embroker’s account; custom certificate wording may require a policy endorsement. [4](https://www.embroker.com/faq/ "Insurance FAQ") (Evidence: Company-reported; scope: FAQ Other insurance services; payment/down-payment conditions apply to first-time certificate access. Not independently tested in an authenticated account.; verified: 2026-09-15.)<br><br>Check your renewal deadline: some Embroker policies renew through the insurer, while others require a fresh application and underwriting; the effective date on the new policy controls when protection starts. [4](https://www.embroker.com/faq/ "Insurance FAQ") (Evidence: Company-reported; scope: FAQ Renewals. No automatic-renewal promise across all products and no tested service response time.; verified: 2026-09-15.)<br><br>Before switching brokers, check access to certificates, policy changes and renewal of proprietary products; Embroker says those account functions may end when its brokerage relationship ends. [4](https://www.embroker.com/faq/ "Insurance FAQ") (Evidence: Company-reported; scope: FAQ Engaging Embroker, What happens if I leave Embroker in the future? Not a finding that existing insurance cancels automatically on a broker change.; verified: 2026-09-15.) | 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. [31](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [32](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") [28](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [29](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.) |
| Access to insurers | Check each policy’s insurer: Embroker names Everspan for EMIS and excess Tech E&O/Cyber, and Everest National for lawyers’ liability; these do not establish one carrier for all products. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [13](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/ "Excess Tech E&O / Cyber") [14](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/ "Lawyers Professional Liability — Broker Program") [15](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf "Everest Elevation Lawyers Professional Liability — Specimen") (Evidence: Company-reported; scope: Current program marketing and LPL specimen; financial-strength ratings and admission status are not independently established, so no rating is assigned here.; verified: 2026-09-15.) | Foxquilt’s product pages display Markel, Greenlight Re and Lloyd’s-related marks under “Backed by industry leaders.” The reviewed pages do not map those names to the insurer, reinsurer, coverholder, or delegated authority for a particular U.S. product, state or policy; confirm the insurer and producer on the quote and policy documents. [31](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [32](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") [28](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") (Evidence: Not publicly disclosed; scope: Foxquilt brand marketing and the reviewed public CGL/E&O pages; no policy or state-specific issuer schedule reviewed.; verified: 2026-09-29.) |

## Related Reading

- [What Is Embroker?](https://spot.insure/insurance-providers/embroker)
- [What Is Foxquilt?](https://spot.insure/insurance-providers/foxquilt)

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## Sources

### [Embroker Official Website](https://www.embroker.com/)

1. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
2. [Terms And Conditions](https://www.embroker.com/terms/). Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
3. [Compensation Disclosure](https://www.embroker.com/disclosure/). Embroker; Commissions (including contingent and supplemental); Client fees; Other benefits or compensation. Accessed 2026-09-15.
4. [Insurance FAQ](https://www.embroker.com/faq/). Embroker; Engaging Embroker: leaving and transferring policies; Applying for insurance; Renewals; Other insurance services: specimen policies, certificates and policy documents. Accessed 2026-09-15.
5. [Published License List](https://www.embroker.com/licenses/). Embroker; AK–WY list, including DC; California 0K44291. Accessed 2026-09-15.
6. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; License-number search for 0K44291. Accessed 2026-09-15.
7. [Embroker Insurance Services LLC — Entity Record](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forl-m15000008735-158ae97b-a8ff-4f0b-8741-df22b86b81c9&directionType=Initial&inquirytype=EntityName&listNameOrder=EMBROIDUSA+P070000384650&searchNameOrder=EMBROKERINSURANCESERVICES+M150000087350&searchTerm=EMBROIDUSA%2CINC.). Florida Department of State, Division of Corporations; Document M15000008735; foreign LLC, Delaware; Authorized Member: Embroker, Inc.; 2026 annual report filed 20 January 2026. Accessed 2026-09-15.
8. [Business Insurance Coverage Options](https://www.embroker.com/coverage/). Embroker; Individual coverages: Business Owners Policy, Commercial Crime, Cyber, Directors & Officers, Employment Practices Liability, Fiduciary Liability, General Liability, Professional Liability (Errors and Omissions), Workers Compensation; Coverages navigation: Lawyers Professional Liability, Professional Liability, Tech Errors and Omissions; industry packages; invitation to seek other policies through Embroker; Get a Quote links. Accessed 2026-09-16.
9. [Embroker Launches EMIS](https://www.embroker.com/blog/embroker-launches-emis/). Embroker; 19 August 2026 announcement: introduction; What’s changing; coverage options (four coverages); legacy renewals versus new business; Availability; About Embroker issuer disclosure naming Everspan Indemnity Insurance Company. Accessed 2026-09-16.
10. [Embroker Access](https://access.embroker.com/). Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
11. [Tech E&O / Cyber — Broker Program](https://access.embroker.com/for-brokers/tech-eo-cyber/). Embroker; Tech E&O / Cyber hero; Appetite: private for-profit technology companies, revenue below $300M, MFA above $5M, excluded crypto, blockchain and cannabis industries; Coverage Highlights, including software code infringement; Get Appointed. Accessed 2026-09-16.
12. [Technology Errors And Omissions / Cyber](https://www.embroker.com/coverage/tech-errors-omissions/). Embroker; What’s not included: copyright, libel and intellectual property; FAQ: additional coverages and excess coverage cannot be written over an Embroker primary policy. Accessed 2026-09-15.
13. [Excess Tech E&O / Cyber](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/). Embroker; At a Glance; Appetite; underlying Tech E&O requirement; Everspan underwriting statement; ineligible industries; documents required to quote; Excess Tech E&O / Cyber. Accessed 2026-09-16.
14. [Lawyers Professional Liability — Broker Program](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/). Embroker; Appetite: 1–25 attorneys, claims-free and no discipline; standalone lawyers professional liability program; Everest National; coverage highlights and defense cost features. Accessed 2026-09-16.
15. [Everest Elevation Lawyers Professional Liability — Specimen](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf). Everest National Insurance Company (hosted by Embroker); PDF pp. 2–3: declarations LPL-CWF001A-1 0319 name Everest National and Embroker Insurance Services LLC; PDF p. 5: LPL-CWF100A-1 0319 warning and §I, claims-made/reporting/retroactive date; PDF p. 4 lists state amendments as TBD. Accessed 2026-09-15.
16. [Law Firm Insurance Package](https://www.embroker.com/law/). Embroker; Comprehensive coverage for law firms: Lawyers Professional Liability, Cyber, Business Owners Policy and Workers Compensation tabs. Accessed 2026-09-15.
17. [Insurance For Technology Companies](https://www.embroker.com/non-funded-tech-companies/). Embroker; Technology Package: Tech E&O/Cyber and BOP; Plus-only fraud, bricking and utility features; optional hired/non-owned auto under BOP. Accessed 2026-09-15.
18. [Embroker’s AI Coverage](https://www.embroker.com/blog/embroker-launches-ai-coverage/). Embroker; Article (published 26 May 2026; endorsement effective 5 August 2025): What’s included; algorithm removal expenses up to $150,000; qualifying Technology E&O/Cyber quotes. Accessed 2026-09-15.
19. [Claims](https://www.embroker.com/claims/). Embroker; How it works: account Claims tab, confirmation and review; FAQ: active cyber events use policy hotline, other claims use insurer contacts; no fixed resolution time. Accessed 2026-09-15.
20. [Key Person Insurance](https://www.embroker.com/coverage/key-person-insurance/). Embroker; Key Person Insurance product introduction: life insurance for an executive, founder or other critical employee; concierge service; inquiry form and quote route. Accessed 2026-09-16.
21. [Commercial Auto Insurance](https://www.embroker.com/coverage/commercial-auto-insurance/). Embroker; Opening Embroker service offer; Who Is It For? commercial auto quote invitation. Accessed 2026-09-16.
22. [Commercial Property Insurance](https://www.embroker.com/coverage/commercial-property-insurance/). Embroker; Opening Embroker service offer; Who Is It For? property quote invitation. Accessed 2026-09-16.
23. [Surety Bonds](https://www.embroker.com/coverage/surety-bonds/). Embroker; Surety Bonds: opening statement that Embroker helps obtain surety bonds; What are they? (obligee, principal and surety; government agency; license or permit); What Is a Construction Bond?; Get a Quote. Accessed 2026-09-16.
24. [Product Liability Insurance](https://www.embroker.com/coverage/product-liability-insurance/). Embroker; Product Liability Insurance introduction (injury or property damage from products produced, distributed or sold); Why Get It With Embroker?; Get a Quote. Accessed 2026-09-16.
25. [Insurance For Venture Capital And Private Equity Firms](https://www.embroker.com/venture-capital-private-equity-firms/). Embroker; Insurance simplified for VC & private equity firms: VCAP offering, growth-practice brokers and platform service; comprehensive VCAP insurance for finance/VC/PE firms. Accessed 2026-09-16.
26. [Start An Embroker Quote](https://app.embroker.com/signup). Embroker; Public first screen: company name, optional website question, linked terms/disclosure and Continue. Accessed 2026-09-15.

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

27. [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.
28. [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.
29. [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.
30. [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.
31. [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.
32. [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.
33. [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.
34. [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.
35. [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.
36. [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.
37. [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.
38. [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.
39. [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.
40. [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.
41. [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.
42. [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.
43. [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.
44. [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 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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