---
title: "Foxquilt vs Heffernan Insurance Brokers: Builders Risk Insurance"
description: "Heffernan Insurance Brokers says it tailors builders-risk coverage to a project and gives fire, theft and weather as physical-damage examples; Foxquilt’s overview describes construction-stage property protection and example loss causes."
canonical: "https://spot.insure/compare/foxquilt-vs-heffernan/builders-risk"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "foxquilt-vs-heffernan"
provider-a: "foxquilt"
provider-b: "heffernan"
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-heffernan/builders-risk)

## Agent Guide

**What this page is:** Focused comparison of Foxquilt and Heffernan Insurance Brokers 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 Heffernan Insurance Brokers. 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 Heffernan Insurance Brokers for Builders Risk Insurance: how do they differ?
- Which is better for Builders Risk Insurance, Foxquilt or Heffernan Insurance Brokers?
- What does Foxquilt or Heffernan Insurance Brokers publish about Builders Risk Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Builders Risk Insurance from Foxquilt or Heffernan Insurance Brokers?

**Key facts:**
- Line: Builders Risk Insurance. Providers: Foxquilt and Heffernan Insurance Brokers.
- 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 Heffernan Insurance Brokers](https://spot.insure/compare/foxquilt-vs-heffernan) — 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)
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile (evidence)
- [Foxquilt vs Heffernan Insurance Brokers Commercial Auto Insurance](https://spot.insure/compare/foxquilt-vs-heffernan/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Heffernan Insurance Brokers Commercial Property Insurance](https://spot.insure/compare/foxquilt-vs-heffernan/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/foxquilt-vs-heffernan/crime) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/compare/foxquilt-vs-heffernan/cyber) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/foxquilt-vs-heffernan/general-liability) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance](https://spot.insure/compare/foxquilt-vs-heffernan/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/compare/foxquilt-vs-heffernan/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Heffernan Insurance Brokers Workers’ Compensation Insurance](https://spot.insure/compare/foxquilt-vs-heffernan/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 Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/aig-vs-heffernan/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 Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/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 Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/aon-vs-heffernan/builders-risk) — sibling comparison (other line, or other pair for this line)

# Foxquilt vs Heffernan Insurance Brokers: How Do They Compare for Builders Risk Insurance?

Heffernan Insurance Brokers says it tailors builders-risk coverage to a project and gives fire, theft and weather as physical-damage examples; Foxquilt’s overview describes construction-stage property protection and example loss causes.

## How to Use the Foxquilt vs Heffernan Insurance Brokers Builders Risk Insurance Comparison

Use this comparison to evaluate Foxquilt and Heffernan Insurance Brokers 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 Heffernan Insurance Brokers Builders Risk Insurance Summary

Heffernan Insurance Brokers says it tailors builders-risk coverage to a project and gives fire, theft and weather as physical-damage examples; Foxquilt’s overview describes construction-stage property protection and example loss causes. [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") [7](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability 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 Heffernan Insurance Brokers?

Heffernan’s technology practice targets mid- and late-stage, venture-funded and pre-IPO companies; early-stage firms seeking a direct online quote should compare digital providers. It also offers claims consulting and workers’ compensation support. [4](https://www.heffins.com/about-us/our-story/ "Our Story") [5](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [6](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

[Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan)

## 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 Heffernan Insurance Brokers Builders Risk Insurance?

### Project-specific tailoring and eligible work

Heffernan Insurance Brokers describes project-customized builders-risk protection against physical damage, with fire, theft and weather as examples. Foxquilt’s claim describes property protection during construction and gives its own construction-stage loss examples. Ask both how the project’s methods and schedule affect the offered form. If a job has unusual construction methods or a nonstandard schedule, ask Heffernan Insurance Brokers what changes in the proposed wording and ask Foxquilt which project characteristics its quote evaluates. [7](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance")

### Who handles placement

Heffernan Insurance Brokers directs construction buyers to its specialists, who gather project budget, timeline and construction type and may seek quotes from multiple carriers. Foxquilt’s page provides a product quote path. If you want several markets considered, ask Heffernan Insurance Brokers which carriers will receive the submission; with Foxquilt, ask which insurer would issue and service the quoted policy. [7](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance")  [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance")

## What Should You Confirm in Foxquilt and Heffernan Insurance Brokers Builders Risk Insurance Quotes?

- What project-specific modifications will Heffernan Insurance Brokers seek for your build, and which carriers are considering the risk? [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") [7](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance")
- What construction type, budget and completion date will Foxquilt accept, and who handles mid-project changes? [7](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance")

## Foxquilt vs Heffernan Insurance Brokers Builders Risk Compared

| Criteria | Foxquilt Builder’s Risk | Heffernan Builders Risk Insurance |
| --- | --- | --- |
| 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..) | Heffernan's construction insurance brokers arrange builders risk insurance for contractors, developers and other construction-industry clients. As a broker, Heffernan places the coverage with insurance carriers rather than underwriting it itself. [7](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Company-reported; scope: Construction page description of the builders risk offering. Does not establish a specific carrier relationship..) |
| Issuing Insurer | Confirm in your quote. | The construction page does not name the insurer that would issue a builders risk policy arranged through Heffernan; the FAQ refers only to gathering quotes from 'various carriers.' [7](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Not publicly disclosed; scope: Checked the construction page on 2026-09-23. The issuing insurer would appear on the quote and declarations..) |
| 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..) | Heffernan says its construction insurance brokers serve general contractors, subcontractors, specialty and trade contractors, developers and design/build firms across sectors including alternative energy, concrete construction management and engineering, and lists a network of more than 1,000 contractor and developer clients nationwide. [7](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Company-reported; scope: Construction page sector list and client-count claim; client count is company-reported and not independently verified..) |
| 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..) | Heffernan describes builders risk insurance as coverage that protects a construction project against physical damage during the build, such as fire, theft and weather-related events, and says it customizes the coverage to the specific project. [7](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Company-reported; scope: Construction page product description; specific insuring agreements, exclusions and endorsements are not detailed on the page..) |
| 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..) | The construction page's builders risk FAQ gives only a generic industry cost range, roughly 1% to 4% of the construction budget, as educational content. It does not publish a Heffernan-specific limit, retention or premium for a builders risk policy. [7](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Not publicly disclosed; scope: Checked the construction page's Builders Risk FAQ section on 2026-09-23. This is general market information, not a Heffernan-issued quote..) |
| Risk Services | Confirm in your quote. | Heffernan lists a dedicated Wrap Up Solutions team alongside its construction practice leader as contacts for builders risk and related project-specific insurance programs. [7](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Company-reported; scope: Construction page practice-leader contact block..) |
| 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..) | Heffernan's construction page directs buyers to contact its construction insurance specialists directly, and its builders risk FAQ describes providing project details such as budget, timeline and construction type so Heffernan can gather quotes from multiple carriers. [7](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Company-reported; scope: Construction page contact route and FAQ process description..) |

## Related Pages for Foxquilt vs Heffernan Insurance Brokers

- [Foxquilt vs Heffernan Insurance Brokers](https://spot.insure/compare/foxquilt-vs-heffernan): 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 Heffernan Insurance Brokers Commercial Auto Insurance](https://spot.insure/compare/foxquilt-vs-heffernan/commercial-auto)
- [Foxquilt vs Heffernan Insurance Brokers Commercial Property Insurance](https://spot.insure/compare/foxquilt-vs-heffernan/commercial-property)
- [Foxquilt vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/foxquilt-vs-heffernan/crime)
- [Foxquilt vs Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/compare/foxquilt-vs-heffernan/cyber)
- [Foxquilt vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/foxquilt-vs-heffernan/general-liability)
- [Foxquilt vs Heffernan Insurance Brokers Hired and Non-Owned Auto Insurance](https://spot.insure/compare/foxquilt-vs-heffernan/hired-non-owned-auto)
- [Foxquilt vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/compare/foxquilt-vs-heffernan/professional-errors-omissions)
- [Foxquilt vs Heffernan Insurance Brokers Workers’ Compensation Insurance](https://spot.insure/compare/foxquilt-vs-heffernan/workers-compensation)
- [AIG vs Foxquilt Builders Risk Insurance](https://spot.insure/compare/aig-vs-foxquilt/builders-risk)
- [AIG vs Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/aig-vs-heffernan/builders-risk)
- [Alliance Risk vs Foxquilt Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/builders-risk)
- [Alliance Risk vs Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/builders-risk)
- [Aon vs Foxquilt Builders Risk Insurance](https://spot.insure/compare/aon-vs-foxquilt/builders-risk)
- [Aon vs Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/aon-vs-heffernan/builders-risk)

## Sources for Foxquilt vs Heffernan Insurance Brokers

### 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 Heffernan Insurance Brokers

4. [Our Story](https://www.heffins.com/about-us/our-story/). Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
5. [Technology Company Insurance](https://www.heffins.com/business-insurance/technology/). Heffernan Insurance Brokers; Pre-IPO and venture-funded heading; mid to late stage specialization; global expansion copy; self-insurance strategies; Key Markets list; Why Heffernan broker history; Joseph Talmadge practice leader; FAQ. Accessed 2026-09-16.
6. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). Heffernan Insurance Brokers; Forward-Thinking Business Insurance: basic coverages (general liability, commercial property and auto, workers’ compensation); corporate and executive protection (EPL, D&O, fiduciary responsibility, cyber, kidnap and ransom); alternative risk capabilities; claims, loss control and risk-management services; industry practice links including Technology and Claims Advocacy. Accessed 2026-09-16.
7. [Construction & Contractor Liability Insurance](https://www.heffins.com/business-insurance/construction/). Heffernan Insurance Brokers; Protect Your Construction Projects with Builders Risk Insurance; contractor sectors served; Builders Risk FAQ; network of over 1,000 contractor and developer clients nationwide; Construction Practice Leader and Wrap Up Solutions contacts. 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).

## Heffernan Insurance Brokers Review Scores for 2026

Review Score: 5.2 / 10 from 1 rated source, equally weighted.

Heffernan’s available review sample is small and local, with a low Google rating for one office. Check the team that would actually serve your business.

- Google reviews (aggregated by Birdeye): Google local listing rating (displayed by Birdeye) 2.6 (5 stars); 5 reviews. Portland office listing at 5100 S Macadam Avenue, matching the official Heffernan locations directory; Birdeye identifies the original review platform as Google. Checked 2026-09-25. [Heffernan Insurance Brokers - Portland reviews](https://reviews.birdeye.com/heffernan-insurance-brokers-144140015138058)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/foxquilt-vs-heffernan/builders-risk.md)
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