Foxquilt vs 
Harper: How Do They Compare for Workers’ Compensation 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. 1,2
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. 4,5
What Is Workers’ Compensation Insurance?
Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. 7,8,9,10
Key Differences in Workers’ Compensation Insurance
Payroll classification before binding
Harper says it classifies payroll into job or class codes before binding because insurers price workers’ compensation by class and an incorrect classification can create a large bill at audit. Foxquilt’s overview describes employee benefits and state variation but does not discuss payroll coding or audit preparation. For businesses with mixed office, field, or construction roles, ask how each quote assigns payroll to classifications. 6 3
State requirements and policy scope
Harper says coverage is legally required in most states from the first employee and offers to confirm requirements for the state and headcount. Foxquilt also notes state variation but does not identify a complete state footprint. Harper describes medical costs, lost wages, rehabilitation, and employer liability for related suits; Foxquilt's overview lists medical care, wages, and an employer-liability feature. Confirm the policy-specific state forms and limits. 6 3
What to Confirm in Workers’ Compensation Insurance Quotes
Foxquilt and Harper Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Foxquilt Review Score
Review Score
3 rated sources
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.[12][5][6]
Read Foxquilt reviewsHarper Review Score
Review Score
No reviews found
We found no customer star rating for Harper. Its Trustpilot page has 0 reviews, and BBB shows 0 customer reviews and 2 complaints.[4][6]
Read Harper reviewsFoxquilt vs Harper Workers’ Compensation Insurance Compared
Foxquilt vs Harper: Workers’ Compensation Insurance: documented features by provider
| Criteria | Foxquilt Workers’ Compensation | Harper Workers Compensation Insurance |
|---|---|---|
| Role in This Line | Foxquilt markets Workers’ Compensation for businesses with employees. 3Company-reported. 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 workers' compensation coverage as a broker, pricing it off a client's actual payroll and job categories rather than underwriting the policy itself. 6Company-reported. Workers compensation page introduction and 'Why Harper' section. |
| Issuing Insurer | Confirm in your quote. | The reviewed workers' compensation page does not name the insurer or insurers that would issue a given policy. 6Not publicly disclosed. Checked the workers compensation page on 2026-09-23; no carrier is named for this line. |
| Who It’s For | The page notes that requirements and employee situations vary by state; it does not identify a complete state-by-state product footprint. 3Company-reported. 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 coverage is legally required in most states from a business's first employee, and that it will confirm the exact requirement for a given state and headcount. 6Company-reported. Workers compensation page introduction and FAQ 'When am I required to carry it?'. |
| Coverage Features | The page describes employee workplace-injury benefits including medical care and lost wages, with an employer-liability feature listed. 3Company-reported. 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 the coverage as paying medical costs and lost wages for employees injured on the job, funding rehabilitation, and including employer's liability for related lawsuits that fall outside the workers' comp system. 6Company-reported. Workers compensation page's four coverage tiles; the issued policy and state comp statute control actual scope. |
| Limits and Retentions | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 3Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. | Harper names payroll, job categories and claims history as what sets the price, and notes that states regulate the rate math, but the reviewed page does not publish specific rates, limits or deductible figures. 6Not publicly disclosed. Workers compensation FAQ 'What does it cost?'; figures depend on state rating rules and an actual quote. |
| Risk Services | Confirm in your quote. | Harper says it classifies a client's payroll into the correct job/class codes before binding, since insurers price workers' comp by class code and a wrong classification is a common cause of a large bill at audit. 6Company-reported. Workers compensation page 'We know this' section and FAQ 'What will the audit look like?'; a described placement practice, not an independently verified outcome. |
| 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. 3Company-reported. 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. | You request a quote through Harper's online form or by phone; Harper says the application is shopped to the insurers that write the business's job classes. 6Company-reported. Workers compensation page quote form and 'Why Harper' process steps. |
Related Pages for Foxquilt vs Harper Workers’ Compensation Insurance
Workers’ Compensation Insurance Pages for Foxquilt and Harper
Other Coverage Lines Compared for Foxquilt vs Harper
Other Workers’ Compensation Insurance Provider Comparisons
Sources for Foxquilt vs Harper Workers’ Compensation Insurance
Sources About Foxquilt
- Commercial General Liability. 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.
- Foxquilt Insurance Services | Terms & Conditions. Foxquilt; Sections 1.1–1.2 identify Foxquilt Insurance Services Inc. as service operator; no reviewed Inc.–LLC relationship statement. Accessed 2026-09-29.
- Workers’ Compensation Insurance. 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.
Sources About Harper
- Text Messaging Terms and Conditions. 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.
- We're Announcing $47M to Build the Insurance Company Every Business Deserves. 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.
- Workers Compensation Insurance. Harper; Know your coverage: What is Workers Compensation insurance?; Medical costs, Lost wages, Rehabilitation, Employer's liability; Why Harper; FAQs on when coverage is required, what the audit looks like, and pricing. Accessed 2026-09-23.
Sources for the Workers’ Compensation Insurance Guide
- Workers’ Compensation Insurance. National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
- Small Business Insurance. National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
- DWC employer information. California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.
- Employer resources. Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16.
