Foxquilt vs Harper

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. ^1,12,13,3,14Company-reported. 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.

Harper is a commercial insurance brokerage: it helps businesses find insurance from other companies and arrange the purchase. You can request a quote online or speak with a specialist, who gathers information, approaches insurers and explains the options. ^21,28Company-reported. Current buyer-facing brokerage description. This does not establish insurer status, universal market access or an independently tested purchasing outcome.

Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency, is the licensed agency. In a 9 December 2025 federal filing, that company identified Harper Group Corp. as its corporate parent. Harper still does not publish terms saying which company contracts with you or how you are charged. ^19,22,21Verified. Parent relationship from the federal docket entry. The DBA is company-disclosed. No terms of service were found naming the contracting party.

Other brokers can ask Harper about wholesale and non-admitted-market access, but its page does not identify the delegated insurers, products, states or limits; this does not make Harper the insurer. ³³Company-reported. Selective authority expressly claimed by company, not inferred from AI. No delegation contract or named binding program obtained. Non-admitted means the insurer is not licensed as an admitted insurer in the state of placement.

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. ^2,5,6Company-reported. Company-described North American small-business audience and example product classes; actual appetite depends on product, class, state and underwriting.

Businesses in hard-to-place industries can ask Harper for broker help; its listed specialties include contracting, restaurants, auto, care, manufacturing and transportation. ^27,32Company-reported. Examples of advertised appetite, not a verified customer census or eligibility guarantee.

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. ^{5,6,7,8,9,10,11,2,16,17,18}Company-reported. 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.

If you need life or health insurance, look elsewhere for now: Harper’s privacy policy says it does not currently offer either, and its Georgia life qualification does not establish a life product. ^22,23Company-reported. Privacy section 2, information not intentionally collected; Georgia agency qualification independently checked. Distinguishes licensing authority from the company’s current product offering.

Businesses can ask Harper about general and professional liability, property, auto, cyber, garage, umbrella, bonds, workers’ compensation, equipment, liquor, malpractice, product liability and BOP; the BOP may combine property and liability. ^20,26Company-reported. Advertised product categories across the current homepage, directory and intake. No conclusion that all lines are available together, from one insurer, or in every jurisdiction.

Security firms can ask about liability for guard actions or professional negligence plus equipment and vehicles; Harper’s page does not name the insurer or policy wording for a specific operation. ³⁰Company-reported. Company industry appetite. No adoption of the page’s broad claims about standard-policy exclusions or satisfaction of licensing requirements.

Businesses needing license, permit, contract, dealer, court or fiduciary bonds can approach Harper; review the indemnity agreement because the buyer may have to repay the bond company for claims it pays. ³¹Company-reported. Company product description. No blanket interpretation of a specific bond or personal guarantee.

Ask for the insurer-specific forms and endorsements before comparing prices; reviewed product pages are summaries and do not establish shared limits, deductibles or exclusions. ^26,28,30Not found in reviewed sources. Scoped search of current coverage directory and representative product/industry pages. No issued policy or private quote reviewed. Absence of a specimen in these sources is not absence of available coverage.

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. ^5,6,1Company-reported. Company-reported CGL and E&O purchase workflow; no form was submitted and no quote or purchase was completed in this research.

You can request a quote by providing business, revenue, state, operations and coverage details; the form starts an inquiry and does not show a premium or issued policy. ²⁰Company-reported. Browser inspection of the blank homepage footer form. No data entered or submitted, so later application, quote, payment and binding screens were not tested.

Harper says its internal Hub software helps staff complete forms, identify markets and manage client communication; the launch announcement describes greater automation as a future direction. ²⁵Company-reported. Founder-authored description hosted by the accelerator; not independent verification of automation quality or a buyer-facing software subscription.

Harper says AI extracts document details, drafts messages and organizes follow-up, while licensed staff and carriers review eligibility and binding decisions; automated marketing does not mean a machine approves coverage alone. ²²Company-reported. Privacy sections 3 and 8; stated controls only. No audit of model accuracy, staff review or underwriting delegation.

Before uploading sensitive records, understand how Harper uses them: its privacy policy says applications and loss data help train Harper’s models, while enterprise AI vendors say they do not train foundation models on customer data. ²²Company-reported. Sections 2, 7 and 8. Company-reported data handling, not an independent privacy or security certification.

Do not rely on a text message to start or change coverage: Harper’s terms require written confirmation from Harper and the insurer, and text quotes remain subject to underwriting. ²¹Company-reported. Section 11, effective August 24, 2026. Does not establish a particular insurer’s required payment or signing sequence.

Harper advertises a 24–48-hour placement time, but it is a company estimate rather than a deadline; ask what approvals and documents remain before relying on a start date. ³²Company-reported. February 26, 2026 marketing claim, not independently measured. Current homepage refers to same-week answers, a different milestone; neither is a binding service-level guarantee.

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. ^5,6,2,3Company-reported. Company-reported buyer servicing statements and agent/broker portal marketing; no account access or live service interaction tested.

Harper says it can classify payroll by employees’ duties and prepare premium-audit information for workers’ compensation; audits can change the premium, and this is not a guarantee that cost stays fixed. ^29,37Company-reported. Public payroll and audit service description; not independently tested, and state employee thresholds are deliberately not generalized.

If another agent refers you, confirm who will be your ongoing contact: Harper says it owns the account and handles placement, service, renewals and claims, while the referring agent has no service duties. ^34,33Company-reported. Distinct advertised programs; not assumed contradictory or contractually identical. Account ownership is the program’s language, not a finding that a buyer cannot change brokers.

Harper’s portal advertises policy, certificate, payment and application-status access; customers need an invitation and should ask support about features available after sign-in. ³⁵Company-reported. Public entry page viewed and captured without authenticating, requesting an invitation or supplying contact information.

Harper describes policy reviews and renewal reminders, but not a guaranteed renewal price or a commitment to shop every policy; agree on the renewal plan with your team. ^36,21Company-reported. Company service statements; no customer service agreement or renewal proposal inspected.

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. ^5,6,2Not publicly disclosed. Foxquilt brand marketing and the reviewed public CGL/E&O pages; no policy or state-specific issuer schedule reviewed.

Harper advertises a network including Progressive, Kinsale, USLI, Atlantic Casualty, James River, GEICO, AIG and Hiscox, plus 165+ underwriters; that count does not mean every insurer will quote your risk. ^20,32Company-reported. Marketing logos and dated company statement. No direct appointments or live quoting access independently confirmed; no assignment of an insurer to a product.

Ask for the insurer named on your quote and its current rating: an older Harper article says it uses AAA-rated carriers without naming the rating agency, companies or dated rating records. ³⁶Not found in reviewed sources. Page dated January 21, 2025, carrier-network assertions. Rating claim withheld as a finding; no rating assigned to Harper or any displayed insurer.