--- title: "Foxquilt vs Harper: Builders Risk Insurance" description: "Foxquilt describes property protection during construction; Harper describes a builders-risk project’s structure, materials and fixtures from ground break through handover, and separately mentions jobsite liability and certificates." canonical: "https://spot.insure/compare/foxquilt-vs-harper/builders-risk" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "foxquilt-vs-harper" provider-a: "foxquilt" provider-b: "harper" coverage-line: "builders-risk" --- 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-harper/builders-risk) ## Agent Guide **What this page is:** Focused comparison of Foxquilt and Harper for Builders Risk 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 Builders Risk Insurance questions about Foxquilt versus Harper. 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 Harper for Builders Risk Insurance: how do they differ? - Which is better for Builders Risk Insurance, Foxquilt or Harper? - What does Foxquilt or Harper publish about Builders Risk Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Builders Risk Insurance from Foxquilt or Harper? **Key facts:** - Line: Builders Risk Insurance. Providers: Foxquilt and Harper. - 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 Harper](https://spot.insure/compare/foxquilt-vs-harper) — parent: all coverage lines for this pair - [Builders Risk Insurance guide](https://spot.insure/coverage/builders-risk) — coverage explainer for this line - [Foxquilt profile](https://spot.insure/insurance-providers/foxquilt) — provider profile (evidence) - [Harper profile](https://spot.insure/insurance-providers/harper) — provider profile (evidence) - [Foxquilt vs Harper Commercial Auto Insurance](https://spot.insure/compare/foxquilt-vs-harper/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Foxquilt vs Harper Commercial Property Insurance](https://spot.insure/compare/foxquilt-vs-harper/commercial-property) — sibling comparison (other line, or other pair for this line) - [Foxquilt vs Harper Cyber Insurance](https://spot.insure/compare/foxquilt-vs-harper/cyber) — sibling comparison (other line, or other pair for this line) - [Foxquilt vs Harper General Liability Insurance](https://spot.insure/compare/foxquilt-vs-harper/general-liability) — sibling comparison (other line, or other pair for this line) - [Foxquilt vs Harper Inland Marine Insurance](https://spot.insure/compare/foxquilt-vs-harper/inland-marine) — sibling comparison (other line, or other pair for this line) - [Foxquilt vs Harper Professional Liability (E&O) Insurance](https://spot.insure/compare/foxquilt-vs-harper/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Foxquilt vs Harper Umbrella and Excess Liability Insurance](https://spot.insure/compare/foxquilt-vs-harper/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Foxquilt vs Harper Workers’ Compensation Insurance](https://spot.insure/compare/foxquilt-vs-harper/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Foxquilt Builders Risk Insurance](https://spot.insure/compare/aig-vs-foxquilt/builders-risk) — sibling comparison (other line, or other pair for this line) - [AIG vs Harper Builders Risk Insurance](https://spot.insure/compare/aig-vs-harper/builders-risk) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Foxquilt Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/builders-risk) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Harper Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-harper/builders-risk) — sibling comparison (other line, or other pair for this line) - [Aon vs Foxquilt Builders Risk Insurance](https://spot.insure/compare/aon-vs-foxquilt/builders-risk) — sibling comparison (other line, or other pair for this line) - [Aon vs Harper Builders Risk Insurance](https://spot.insure/compare/aon-vs-harper/builders-risk) — sibling comparison (other line, or other pair for this line) # Foxquilt vs Harper: How Do They Compare for Builders Risk Insurance? Foxquilt describes property protection during construction; Harper describes a builders-risk project’s structure, materials and fixtures from ground break through handover, and separately mentions jobsite liability and certificates. ## How to Use the Foxquilt vs Harper Builders Risk Insurance Comparison Use this comparison to evaluate Foxquilt and Harper for Builders Risk 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 Harper Builders Risk Insurance Summary Foxquilt describes property protection during construction; Harper describes a builders-risk project’s structure, materials and fixtures from ground break through handover, and separately mentions jobsite liability and certificates. [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") [6](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") [7](https://www.harperinsure.com/ "Harper Homepage") ## 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 Harper Insurance? Harper suits hard-to-place businesses such as contractors, care providers, manufacturers and transportation firms; standard small businesses seeking direct quotes should compare online carriers. Its workers’ compensation service helps classify payroll for audits. [4](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") [5](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement "We're Announcing $47M to Build the Insurance Company Every Business Deserves") [Harper profile](https://spot.insure/insurance-providers/harper) ## What Is Builders Risk Insurance? Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. [8](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf "Builders Risk Coverage Form") [11](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf "Builders Risk Application Tip Sheet") ## What Are the Key Differences Between Foxquilt and Harper Builders Risk Insurance? ### Construction coverage and contract support Foxquilt describes property protection during construction and gives examples of construction-stage loss causes. Harper’s construction page names a project’s structure, materials and fixtures from ground break through handover, and separately describes jobsite liability and certificate support. Those are different scopes in the published overviews, so a buyer coordinating lender requirements should identify each needed property and liability item rather than infer that one description includes the other’s features. [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") [6](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") ### How the placement is assembled Harper says it submits one construction application across the markets it says write the line, and can provide contract certificate wording and check subcontractor certificates. Foxquilt’s claim points buyers to a product quote path. Harper describes one construction application across the markets it says write the line, plus certificate wording and subcontractor-certificate checks. For a project with many subcontractors, ask Harper how its certificate service relates to the policy; ask Foxquilt whether its quote process can address project-party documentation. [6](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") ## What Should You Confirm in Foxquilt and Harper Builders Risk Insurance Quotes? - Will Harper's builders-risk placement include the jobsite liability and certificate requirements your contracts call for? [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") [6](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") - Which project stages and materials does Foxquilt's quoted form cover, and how are subcontractors or lenders documented? [6](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") ## Foxquilt vs Harper Builders Risk Insurance Compared | Criteria | Foxquilt Builder’s Risk | Harper Builders Risk Coverage | | --- | --- | --- | | Role in This Line | Foxquilt lists a Builder’s Risk product for businesses with construction projects. [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") (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..) | Harper places builders risk as one piece of its Construction & Contractors insurance package, describing itself as calling every market that writes construction and presenting the options back, rather than underwriting the coverage itself. [6](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") (Evidence: Company-reported; scope: Construction & Contractors industry page; describes Harper's placement role for the package that includes builders risk, not a standalone builders risk product page..) | | Issuing Insurer | Confirm in your quote. | The reviewed pages do not name the insurer or insurers that would issue a builders risk policy Harper places; the industry page refers only to 'every market that writes construction' without listing carriers. [6](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") (Evidence: Not publicly disclosed; scope: Checked the Construction & Contractors industry page and homepage industries carousel on 2026-09-23; a specific insurer would appear on the quote or policy..) | | Who It’s For | The page frames the product around businesses undertaking construction projects; it does not establish which project types Foxquilt will quote. [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") (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..) | Harper says Construction & Contractors coverage, including builders risk, is for general contractors managing subs, specialty trades such as roofing, framing, electrical, plumbing and HVAC, remodelers and handymen, residential and commercial builders, and construction managers. [6](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") (Evidence: Company-reported; scope: Construction & Contractors industry page 'Who this is for' section; not builders-risk-specific eligibility criteria such as project value or completion timeline..) | | Coverage Features | Its public overview describes protection for property during construction and gives examples of construction-stage loss causes. [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") (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..) | Harper describes builders risk as covering the structure, materials and fixtures of a project from ground break to handover, alongside jobsite liability and the certificates a project requires to start. [6](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") [7](https://www.harperinsure.com/ "Harper Homepage") (Evidence: Company-reported; scope: Construction & Contractors industry page coverage callouts and homepage industries carousel; the issued policy and declarations would control actual terms..) | | 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/builders-risk-insurance.html "Builder’s Risk Insurance") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) | Harper's reviewed pages do not publish builders risk limits, deductibles or maximum project values; the industry page says cost depends on trade, payroll and revenue and is quoted individually across multiple markets. [6](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") (Evidence: Not publicly disclosed; scope: Construction & Contractors industry page FAQ 'What does it cost?'; no published limit or retention figures found..) | | Risk Services | Confirm in your quote. | Harper says it writes certificates of insurance with additional-insured, waiver-of-subrogation and primary-and-non-contributory wording the same day a contract calls for it, and checks subcontractors' certificates so their risk does not become the general contractor's. [6](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") (Evidence: Company-reported; scope: Construction & Contractors industry page; describes the certificate and risk-review service Harper says it provides around construction projects, which includes builders risk jobs..) | | 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/builders-risk-insurance.html "Builder’s Risk Insurance") (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..) | Harper says it takes one application for construction risk, including builders risk, and quotes it across every market it says writes construction, admitted where pricing allows and excess-and-surplus lines when the work demands it. [6](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") (Evidence: Company-reported; scope: Construction & Contractors industry page 'Why Harper' section; specific markets contacted for a given project are not named..) | ## Related Pages for Foxquilt vs Harper Builders Risk Insurance - [Foxquilt vs Harper](https://spot.insure/compare/foxquilt-vs-harper): all coverage lines, business roles, service and claims. - [What Is Builders Risk Insurance?](https://spot.insure/coverage/builders-risk): Builders risk insures a building and its materials against physical loss while it is under construction, but stored or in-transit materials, the existing structure in a renovation, and early occupancy can fall outside it. - [Foxquilt vs Harper Commercial Auto Insurance](https://spot.insure/compare/foxquilt-vs-harper/commercial-auto) - [Foxquilt vs Harper Commercial Property Insurance](https://spot.insure/compare/foxquilt-vs-harper/commercial-property) - [Foxquilt vs Harper Cyber Insurance](https://spot.insure/compare/foxquilt-vs-harper/cyber) - [Foxquilt vs Harper General Liability Insurance](https://spot.insure/compare/foxquilt-vs-harper/general-liability) - [Foxquilt vs Harper Inland Marine Insurance](https://spot.insure/compare/foxquilt-vs-harper/inland-marine) - [Foxquilt vs Harper Professional Liability (E&O) Insurance](https://spot.insure/compare/foxquilt-vs-harper/professional-errors-omissions) - [Foxquilt vs Harper Umbrella and Excess Liability Insurance](https://spot.insure/compare/foxquilt-vs-harper/umbrella-excess) - [Foxquilt vs Harper Workers’ Compensation Insurance](https://spot.insure/compare/foxquilt-vs-harper/workers-compensation) - [AIG vs Foxquilt Builders Risk Insurance](https://spot.insure/compare/aig-vs-foxquilt/builders-risk) - [AIG vs Harper Builders Risk Insurance](https://spot.insure/compare/aig-vs-harper/builders-risk) - [Alliance Risk vs Foxquilt Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/builders-risk) - [Alliance Risk vs Harper Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-harper/builders-risk) - [Aon vs Foxquilt Builders Risk Insurance](https://spot.insure/compare/aon-vs-foxquilt/builders-risk) - [Aon vs Harper Builders Risk Insurance](https://spot.insure/compare/aon-vs-harper/builders-risk) ## Sources for Foxquilt vs Harper Builders Risk Insurance ### 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. [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. ### Sources About Harper 4. [Text Messaging Terms and Conditions](https://www.harperinsure.com/sms-terms). Harper Global Enterprises Inc.; Effective August 24, 2026; sections 1–3 (entity, consent and service messages), 5 (message costs), 9 (delivery) and 11 (coverage confirmation). Accessed 2026-09-15. 5. [We're Announcing $47M to Build the Insurance Company Every Business Deserves](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement). Harper / Dakotah Rice; February 26, 2026 article: brokerage identity; AI-assisted submissions and follow-ups; 24–48-hour coverage statement; more than 165 underwriters; plans for additional direct appointments. Accessed 2026-09-15. 6. [Construction & Contractors Insurance](https://www.harperinsure.com/industries/construction-insurance). Harper; Know your coverage: What is Construction & Contractors insurance?; Worksite liability, Builders risk, Tools & equipment, Certificates & additional insureds callouts; Who this is for; Why Harper (we know the trades, paperwork that wins bids, every market that writes construction, one call handled); FAQs on contractor insurance, certificate speed, subcontractor injuries, tool theft and cost. Accessed 2026-09-23. 7. [Harper Homepage](https://www.harperinsure.com/). Harper; Industries We Serve carousel: 'Construction & Contractors — From GCs to specialty trades: jobsite liability, builders risk, and the certificates your projects cannot start without.'. Accessed 2026-09-23. ### Sources for the Builders Risk Insurance Guide 8. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16. 9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16. 10. [Builders Risk Coverage Form](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf). Insurance Services Office, Inc.; hosted by Touchpoint Markets; A.1–3 p.1; B.3.c p.11; C,D,E p.12. Accessed 2026-09-16. 11. [Builders Risk Application Tip Sheet](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf). US Assure; General policy application tips p.1; Remodeling tips p.2. 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). ## Harper Review Scores for 2026 Review Score: not enough ratings. We found no customer star rating for Harper. Its Trustpilot page has 0 reviews, and BBB shows 0 customer reviews and 2 complaints. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/harper/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/foxquilt-vs-harper/builders-risk.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)