Foxquilt vs 
Hiscox: How Do They Compare for General 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. 1,2
What Is Hiscox?
Hiscox suits eligible small businesses that want online GL, professional liability, cyber or BOP quotes; businesses needing other specialty products should compare brokers. Core Hiscox NOW policies are usually issued by its own insurer, while some products use partners. 3,4,5
What Is General Liability Insurance?
General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. 9,10,11
Key Differences in General Liability Insurance
State Availability and Who Issues the Policy
Hiscox identifies Hiscox Insurance Company Inc. as the insurer for admitted Hiscox NOW GL policies and says online sale is available in 49 states and DC, not Alaska. Foxquilt names contractors, eCommerce, personal services, and additional trades as target classes; confirm the issuing carrier on the quote. For an out-of-state or contract-specific placement, the named insurer and jurisdiction should be checked against the actual quote. 7 6 1
State Access and Claims Reporting
Hiscox says eligible buyers can apply online and receive the policy and certificate by email; it also describes 24/7 online claims reporting and assignment to a claims professional. Foxquilt provides a quote path; ask what claim-reporting contact applies to any policy offered. Buyers who value a stated claims route can compare Hiscox’s described online reporting and claims-professional assignment with the support listed in Foxquilt’s proposal. 6 1
What to Confirm in General Liability Insurance Quotes
Foxquilt and Hiscox 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 reviewsHiscox Review Score
Review Score
4 rated sources
Hiscox’s review results are sharply divided: low Trustpilot and ConsumerAffairs scores contrast with strong Feefo feedback. Service quality deserves closer scrutiny before purchase.[1][4][5][6][7]
Read Hiscox reviewsFoxquilt vs Hiscox General Liability Insurance Compared
Foxquilt vs Hiscox: General Liability Insurance: documented features by provider
| Criteria | Foxquilt Commercial General Liability | Hiscox General Liability Insurance |
|---|---|---|
| Role in This Line | Foxquilt identifies Commercial General Liability as one of its core business products. 1Company-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. | Hiscox Inc., a Delaware-based licensed insurance intermediary, sells general liability directly online to small businesses as part of its Hiscox NOW admitted small-business catalogue. 5,6Company-reported. Company-stated online small-business channel; broker-only sections of the Hiscox site are a separate, licensed-professional path not covered here. |
| Issuing Insurer | Confirm in your quote. | Hiscox's appetite guide and About Hiscox US page name Hiscox Insurance Company Inc. (NAIC 10200), a Chicago-based insurer, as the underwriter of admitted Hiscox NOW general liability policies. 7,5Company-reported. Admitted small-business general liability as described in company materials; the exact contracting entity for a particular state or channel should be confirmed on the quote. |
| Who It’s For | The page names contractors, eCommerce and personal services among target classes and says it writes CGL for additional trades; a buyer’s eligibility still depends on its quote. 1Company-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. | Hiscox says it is currently licensed to sell general liability online in 49 states and the District of Columbia, with coverage unavailable in Alaska; it directs buyers in states where it does not sell online to a specialist broker instead. 6Company-reported. Company-stated jurisdiction for the online small-business catalogue; specific class or industry eligibility still depends on underwriting. |
| Coverage Features | The page describes third-party bodily injury, property damage, personal and advertising injury, and products-completed-operations claim examples. 1Company-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. | Hiscox's general-liability product page adds an electronic-data-liability provision for IT and technology professions on top of its standard general-liability coverage. 6Company-reported. Product-page description; specific wording, limits and exclusions are set by the issued policy and declarations. |
| Limits and Retentions | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 1Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. | The general-liability page does not publish a standard limit amount; example California consultant pricing shown on the page is explicitly labeled illustrative rather than a quote. 6Not publicly disclosed. Public product page as previously reviewed; actual limits, retentions and pricing are quote-specific. |
| 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. 1Company-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. | Hiscox says eligible buyers can apply for general liability online, with the policy issued by email and a certificate of insurance included in the welcome documents once the application is complete; buyers can also pay annually or monthly with no additional fees. 6Company-reported. Company-described online application and billing options; eligibility and binding conditions require confirmation on the actual application. |
| Claims Support | Confirm in your quote. | Hiscox says general-liability policyholders can report a claim online 24/7, and describes assigning a specialized claims professional to validate coverage on reported claims. 6,8Company-reported. Company-described claims process; does not establish claim outcomes or turnaround time. |
Related Pages for Foxquilt vs Hiscox General Liability Insurance
General Liability Insurance Pages for Foxquilt and Hiscox
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Sources for Foxquilt vs Hiscox General Liability 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.
Sources About Hiscox
- Website Terms & Conditions of Use. Hiscox; Last modified May 28, 2024; Hiscox Inc. as Delaware corporation headquartered in Atlanta, d/b/a Hiscox Insurance Agency in CA, licensed intermediary for admitted and surplus-lines business with Hiscox Insurance Company Inc., other domestic insurers, and Lloyd’s syndicates; small-business online path distinguished from broker-only site sections. Accessed 2026-09-16.
- Get A Small Business Insurance Quote. Hiscox; States that Hiscox offers general liability, professional liability, cyber security and business owner’s policies online; zip-code quote field; licensed-agent hours Monday–Friday 7 a.m.–10 p.m. ET and Saturday–Sunday 8 a.m.–5 p.m. ET. Accessed 2026-09-16.
- About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
- General Liability Insurance. Hiscox; Online quote; 49-state and D.C. availability with Alaska excluded; broker-referral if not sold online; payment annually or monthly with no additional fees; online 24/7 claim reporting; policy issued via email and certificate in welcome documents; electronic data liability for IT professions; coverage subject to underwriting. Accessed 2026-09-16.
- Hiscox US Agent Appetite Guide. Hiscox; Hiscox NOW admitted GL, PL, cyber and BOP underwritten by Hiscox Insurance Company Inc.; footer underwriting disclosure. Accessed 2026-09-16.
- Start a Business Insurance Claim Online, by Phone or Mail. Hiscox; Online claim filing; specialized claims professional assignment; coverage validation. Accessed 2026-09-16.
Sources for the General Liability Insurance Guide
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
- Commercial General Liability Coverage Form. ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16.
