---
title: "Foxquilt vs Gallagher: Umbrella and Excess Liability Insurance"
description: "Foxquilt publishes a broad umbrella description and quote path; Gallagher describes a broker-led casualty placement with contract review, gap analysis, and claims advocacy."
canonical: "https://spot.insure/compare/foxquilt-vs-gallagher/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "foxquilt-vs-gallagher"
provider-a: "foxquilt"
provider-b: "gallagher"
coverage-line: "umbrella-excess"
---

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/foxquilt-vs-gallagher/umbrella-excess)

## Agent Guide

**What this page is:** Focused comparison of Foxquilt and Gallagher for Umbrella and Excess Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Umbrella and Excess Liability Insurance questions about Foxquilt versus Gallagher. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Foxquilt vs Gallagher for Umbrella and Excess Liability Insurance: how do they differ?
- Which is better for Umbrella and Excess Liability Insurance, Foxquilt or Gallagher?
- What does Foxquilt or Gallagher publish about Umbrella and Excess Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Umbrella and Excess Liability Insurance from Foxquilt or Gallagher?

**Key facts:**
- Line: Umbrella and Excess Liability Insurance. Providers: Foxquilt and Gallagher.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [Foxquilt vs Gallagher](https://spot.insure/compare/foxquilt-vs-gallagher) — parent: all coverage lines for this pair
- [Umbrella and Excess Liability Insurance guide](https://spot.insure/coverage/umbrella-excess) — coverage explainer for this line
- [Foxquilt profile](https://spot.insure/insurance-providers/foxquilt) — provider profile (evidence)
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile (evidence)
- [Foxquilt vs Gallagher Commercial Auto Insurance](https://spot.insure/compare/foxquilt-vs-gallagher/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Gallagher Commercial Property Insurance](https://spot.insure/compare/foxquilt-vs-gallagher/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Gallagher Crime Insurance](https://spot.insure/compare/foxquilt-vs-gallagher/crime) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Gallagher Cyber Insurance](https://spot.insure/compare/foxquilt-vs-gallagher/cyber) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Gallagher General Liability Insurance](https://spot.insure/compare/foxquilt-vs-gallagher/general-liability) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/foxquilt-vs-gallagher/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Gallagher Tech E&O Insurance](https://spot.insure/compare/foxquilt-vs-gallagher/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/foxquilt-vs-gallagher/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Foxquilt Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-foxquilt/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Foxquilt Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Foxquilt Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-foxquilt/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/umbrella-excess) — sibling comparison (other line, or other pair for this line)

# Foxquilt vs Gallagher: How Do They Compare for Umbrella and Excess Liability Insurance?

Foxquilt publishes a broad umbrella description and quote path; Gallagher describes a broker-led casualty placement with contract review, gap analysis, and claims advocacy.

## How to Use the Foxquilt vs Gallagher Umbrella and Excess Liability Insurance Comparison

Use this comparison to evaluate Foxquilt and Gallagher for Umbrella and Excess Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Foxquilt vs Gallagher Umbrella and Excess Liability Insurance Summary

Foxquilt describes umbrella protection across multiple policies and provides a quote path. Gallagher places umbrella and excess within broader casualty programs and describes pre-renewal gap analysis, contract review, and claims and loss-control advocacy. [3](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") [9](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance")

## What Is Foxquilt?

Foxquilt offers several online-marketed small-business lines, but its public pages do not resolve which U.S. entity places each risk or which insurer issues each policy. Compare the specific product, state, terms and named entities before deciding whether the digital route fits your business. [1](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [2](https://www.foxquilt.com/terms-of-use.html "Foxquilt Insurance Services | Terms & Conditions")

[Foxquilt profile](https://spot.insure/insurance-providers/foxquilt)

## What Is Gallagher?

Gallagher’s technology specialists serve startups through global enterprises, while its executive-risk team supports IPO and M&A needs; small firms seeking one simple digital quote should compare online agencies. [4](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [5](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [6](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [7](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [8](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## What Is Umbrella and Excess Liability Insurance?

Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. [10](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [12](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm "Lines of Insurance") [13](https://www.coverdash.com/coverage "Coverage Hub") [14](https://kinro.com/products "Products")

## What Are the Key Differences Between Foxquilt and Gallagher Umbrella and Excess Liability Insurance?

### Self-directed quote route or casualty program review

Foxquilt offers a quote path for its described umbrella product and frames the need around increasing CGL limits. The published overview does not describe a policy-by-policy review before quotation. Gallagher places umbrella and excess through its casualty practice as part of a broader program, with pre-renewal meetings, coverage-gap analysis, and contract and form review. That process is relevant when the buyer needs coordination across several casualty policies. [3](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") [9](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance")

### Claims and loss-control support

Gallagher says a dedicated claims and loss-control advocacy group reviews legacy loss information to build mitigation and prevention programs; its page does not promise a particular claim outcome or disclose policy terms. Foxquilt's overview does not describe umbrella-specific claims advocacy or loss-control services. A buyer weighing service support should establish what Gallagher includes for the placement and what Foxquilt's quote provides. [9](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") [3](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business")

## What Should You Confirm in Foxquilt and Gallagher Umbrella and Excess Liability Insurance Quotes?

- Ask Gallagher to show the proposed attachment points and how its contract review resolves gaps between the scheduled underlying forms. [9](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance")
- Ask Foxquilt whether quote assistance includes reviewing underlying policies and what service continues after binding. [3](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business")

## Foxquilt vs Gallagher Umbrella and Excess Liability Insurance Compared

| Criteria | Foxquilt Umbrella Insurance | Gallagher Umbrella/Excess Liability Insurance |
| --- | --- | --- |
| Role in This Line | Foxquilt markets Umbrella Insurance; its page distinguishes umbrella from excess and does not establish a separate excess product. [3](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | Gallagher's Casualty practice places umbrella and excess liability coverage with outside carriers as one line within a broader casualty program; it does not underwrite the policy. [9](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Group-level casualty practice page..) |
| Issuing Insurer | Confirm in your quote. | The casualty practice page does not name the insurer that would issue a given client's umbrella or excess policy. [9](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level casualty practice page..) |
| Who It’s For | The page recommends considering umbrella when a business needs more CGL limits than its main policy provides; the underlying-policy requirements are not published. [3](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | The casualty practice page does not name a target industry, size or minimum premium for umbrella/excess placements; it describes the practice generally as serving clients with a broader casualty program. [9](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level casualty practice page on 2026-09-23..) |
| Coverage Features | The page describes umbrella as extending protection across multiple existing policies and contrasts excess coverage that extends one portion of insurance. [3](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | Gallagher groups umbrella/excess liability with automobile liability, workers' compensation and general/product liability under its casualty practice, offering "customized excess casualty program design and placement" and non-traditional alternative risk programs, but does not describe specific attachment points, exclusions or triggers. [9](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Group-level casualty practice page; a service description, not a specific policy's insuring agreement..) |
| Limits and Retentions | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [3](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) | The casualty practice page does not publish specific umbrella/excess limits, attachment points or premium ranges; it says program structure, coverage, limits and pricing are designed to fit the client's current and future needs. [9](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level casualty practice page..) |
| Risk Services | Confirm in your quote. | Gallagher describes pre-renewal meetings with a client's finance, HR, operations and risk-management stakeholders, a gap analysis and contract/form review to close coverage gaps between policies, and a dedicated claims and loss-control advocacy group that reviews legacy loss information to build claim-mitigation and loss-prevention programs. [9](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Group-level casualty practice page; described at the practice level across all casualty lines, not exclusively for umbrella/excess..) |
| How to Apply | The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. [3](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | Confirm in your quote. |

## Related Pages for Foxquilt vs Gallagher Umbrella and Excess Liability

- [Foxquilt vs Gallagher](https://spot.insure/compare/foxquilt-vs-gallagher): all coverage lines, business roles, service and claims.
- [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella or excess insurance can add liability limits above selected underlying policies when a covered claim exceeds them; compare the schedule and any gaps.
- [Foxquilt vs Gallagher Commercial Auto Insurance](https://spot.insure/compare/foxquilt-vs-gallagher/commercial-auto)
- [Foxquilt vs Gallagher Commercial Property Insurance](https://spot.insure/compare/foxquilt-vs-gallagher/commercial-property)
- [Foxquilt vs Gallagher Crime Insurance](https://spot.insure/compare/foxquilt-vs-gallagher/crime)
- [Foxquilt vs Gallagher Cyber Insurance](https://spot.insure/compare/foxquilt-vs-gallagher/cyber)
- [Foxquilt vs Gallagher General Liability Insurance](https://spot.insure/compare/foxquilt-vs-gallagher/general-liability)
- [Foxquilt vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/foxquilt-vs-gallagher/professional-errors-omissions)
- [Foxquilt vs Gallagher Tech E&O Insurance](https://spot.insure/compare/foxquilt-vs-gallagher/technology-errors-omissions)
- [Foxquilt vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/foxquilt-vs-gallagher/workers-compensation)
- [AIG vs Foxquilt Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-foxquilt/umbrella-excess)
- [AIG vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/umbrella-excess)
- [Alliance Risk vs Foxquilt Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/umbrella-excess)
- [Alliance Risk vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/umbrella-excess)
- [Amelia Risk vs Foxquilt Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-foxquilt/umbrella-excess)
- [Amelia Risk vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/umbrella-excess)

## Sources for Foxquilt vs Gallagher

### Sources About Foxquilt

1. [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.
2. [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.
3. [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.

### Sources About Gallagher

4. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
5. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
6. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
7. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
8. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
9. [Casualty Insurance](https://www.ajg.com/insurance/casualty-insurance/). Gallagher; Holistic approach for better insurance and risk management in casualty: Automobile Liability, Workers Compensation, General/Product Liability, Umbrella/Excess Liability and alternative forms of risk transfer; Robust casualty risk analysis process; Casualty Practice Summary. Accessed 2026-09-23.

### Sources for the Umbrella and Excess Liability Insurance Guide

10. [Liability Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance). Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
12. [Lines of Insurance](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm). California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
13. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
14. [Products](https://kinro.com/products). Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16.

Updated 2026-10-01. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Foxquilt Review Scores for 2026

Review Score: 8.9 / 10 from 3 rated sources, equally weighted.

Customers rate Foxquilt well on Google (4.9 out of 5 from 526 reviews at its Charlotte office) and 3.5 out of 5 on Trustpilot from only 8 reviews. Put together, the Review Score is 8.9 out of 10.

- Trustpilot: TrustScore 3.5/5 (Trustpilot 5-point scale); 8 reviews. Trustpilot's foxquilt.com company profile (Toronto address; broad broker, auto, business and home insurance categories). Reviewer country and product line are not reliably shown, so it is not a US-only or commercial-only sample. Period: profile accessed 2026-09-29. Checked 2026-09-29. [Foxquilt Reviews | Read Customer Service Reviews of foxquilt.com](https://www.trustpilot.com/review/foxquilt.com)
- BBB: BBB business grade A+ (BBB letter grade). Better Business Bureau Serving Central Ontario business profile for Foxquilt at a Toronto address; business-profile grade and reviews/complaints are different data. Not a U.S. policy review. Period: Toronto profile accessed 2026-09-29. Checked 2026-09-29. [Foxquilt | BBB Business Profile](https://www.bbb.org/ca/on/toronto/profile/commercial-insurance-services/foxquilt-0107-1374206); [Foxquilt | BBB Reviews](https://www.bbb.org/ca/on/toronto/profile/commercial-insurance-services/foxquilt-0107-1374206/customer-reviews); [Foxquilt | BBB Complaints](https://www.bbb.org/ca/on/toronto/profile/commercial-insurance-services/foxquilt-0107-1374206/complaints)
- Google (via Birdeye): Google rating 4.9 (out of 5); 526 reviews. Google reviews for Foxquilt Insurance Services LLC, the Charlotte, North Carolina office. Reviews include commercial insurance customers. Period: checked 2026-09-29. Checked 2026-09-29. [Foxquilt Insurance Services LLC reviews | Birdeye](https://reviews.birdeye.com/foxquilt-insurance-services-llc-176273459225651)
- HelloSafe: HelloSafe rating 4.8 (out of 5); 637 reviews. HelloSafe (Canadian comparison site) page on Foxquilt business insurance. Canada-focused, and the source of its reviews is not stated. Period: page accessed 2026-09-29. Checked 2026-09-29. [Foxquilt Business Insurance Review (2026) - HelloSafe](https://hellosafe.ca/en/business-insurance/foxquilt)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/foxquilt/reviews).

## Gallagher Review Scores for 2026

Review Score: 9.3 / 10 from 3 rated sources, equally weighted.

Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.

- J.D. Power: Broker satisfaction rank/score 2nd / 855 (Rank / 1,000-point score). 2017 US/Canada large-commercial broker study; participating organizations had at least $100m annual revenue or operating budget; not small-business-specific. Period: 2017 study. Checked 2026-09-25. [JD Power 2017 Large Commercial Insurance Study](https://www.jdpower.com/business/press-releases/jd-power-2017-large-commercial-insurance-study)
- Trustpilot: TrustScore 4.6 (5 stars); 8190 reviews. Global Arthur J. Gallagher & Co. brand profile; mixed countries and insurance lines, not US commercial-only. Period: 976 reviews in prior 12 months; observed 2026-09-25. Checked 2026-09-25. [Gallagher Reviews | Trustpilot](https://www.trustpilot.com/review/www.ajg.com)
- BBB: BBB grade A+ (BBB letter grade). BBB corporate headquarters profile for Gallagher, Rolling Meadows, Illinois. Checked 2026-09-25. [Gallagher | BBB Business Profile](https://www.bbb.org/us/il/rolling-meadows/profile/insurance-companies/gallagher-0654-23000270)

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

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