---
title: "Foxquilt vs Hiscox: Professional Liability (E&O) Insurance"
description: "Hiscox identifies the insurer for admitted Hiscox NOW policies and lists its state availability; Foxquilt names technology and creative classes in its E&O description."
canonical: "https://spot.insure/compare/foxquilt-vs-hiscox/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "foxquilt-vs-hiscox"
provider-a: "foxquilt"
provider-b: "hiscox"
coverage-line: "professional-errors-omissions"
---

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-hiscox/professional-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of Foxquilt and Hiscox for Professional Liability (E&O) 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 Professional Liability (E&O) Insurance questions about Foxquilt versus Hiscox. 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 Hiscox for Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, Foxquilt or Hiscox?
- What does Foxquilt or Hiscox publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Professional Liability (E&O) Insurance from Foxquilt or Hiscox?

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: Foxquilt and Hiscox.
- 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 Hiscox](https://spot.insure/compare/foxquilt-vs-hiscox) — parent: all coverage lines for this pair
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — coverage explainer for this line
- [Foxquilt profile](https://spot.insure/insurance-providers/foxquilt) — provider profile (evidence)
- [Hiscox profile](https://spot.insure/insurance-providers/hiscox) — provider profile (evidence)
- [Foxquilt vs Hiscox Cyber Insurance](https://spot.insure/compare/foxquilt-vs-hiscox/cyber) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Hiscox General Liability Insurance](https://spot.insure/compare/foxquilt-vs-hiscox/general-liability) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Hiscox Workers’ Compensation Insurance](https://spot.insure/compare/foxquilt-vs-hiscox/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Foxquilt Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-foxquilt/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Hiscox Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-hiscox/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Foxquilt Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Hiscox Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-hiscox/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs Foxquilt Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-foxquilt/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs Hiscox Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-hiscox/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)

# Foxquilt vs Hiscox: How Do They Compare for Professional Liability (E&O) Insurance?

Hiscox identifies the insurer for admitted Hiscox NOW policies and lists its state availability; Foxquilt names technology and creative classes in its E&O description.

## How to Use the Foxquilt vs Hiscox Professional Liability (E&O) Insurance Comparison

Use this comparison to evaluate Foxquilt and Hiscox for Professional Liability (E&O) 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 Hiscox Professional Liability (E&O) Insurance Summary

Hiscox says admitted Hiscox NOW professional-liability policies are underwritten by Hiscox Insurance Company Inc.; its product page lists availability in 49 states and D.C., excluding Alaska. Foxquilt names technology and creative classes and describes claims-made E&O. [3](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") [9](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [6](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [7](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses")

## 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 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. [4](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") [5](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [6](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance")

[Hiscox profile](https://spot.insure/insurance-providers/hiscox)

## What Is Professional Errors and Omissions (E&O) Insurance?

Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. [10](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [11](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [12](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [13](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance")

## What Are the Key Differences Between Foxquilt and Hiscox Professional Liability (E&O) Insurance?

### Eligibility and state availability

Hiscox offers small businesses a direct online professional-liability policy, naming Hiscox Insurance Company Inc. as underwriter for admitted Hiscox NOW policies. Foxquilt markets the line to technology and creative classes and describes claims-made financial-loss protection, Ask Foxquilt for the insurer and proposed form when requesting terms. [6](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [9](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [3](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)")

### Buying and claim contact

Hiscox says its product is licensed in 49 states and Washington, D.C., excluding Alaska, with a specialist broker route where online sales are unavailable. Foxquilt names technology and creative classes. Confirm your state and business activity before comparing prices. [7](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [3](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)")

Eligible Hiscox buyers can quote and buy online with licensed advisors available by phone, and current policyholders have a separate 24/7 claims line. Foxquilt provides a quote path. Ask for its claims contact and reporting requirements with the proposal. [7](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [8](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq "What is Professional Liability Insurance?") [3](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)")

## What Should You Confirm in Foxquilt and Hiscox Professional Liability (E&O) Insurance Quotes?

- Ask Hiscox to confirm the issuing company and state availability on your quote; ask Foxquilt to name the issuing insurer, the claims contact and its claims-made reporting requirements. [9](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [3](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)")

## Foxquilt vs Hiscox Professional Liability (E&O) Insurance Compared

| Criteria | Foxquilt Professional Liability / E&O | Hiscox Professional Liability Insurance |
| --- | --- | --- |
| Role in This Line | Foxquilt markets a Professional Liability / Errors & Omissions product. [3](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") (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..) | Hiscox Inc., a licensed insurance intermediary, sells professional liability (errors and omissions) coverage directly online to small businesses as part of its Hiscox NOW admitted small-business catalogue. [6](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [7](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") (Evidence: Company-reported; scope: Company-stated online small-business channel..) |
| Issuing Insurer | Confirm in your quote. | Hiscox's appetite guide and About Hiscox US page name Hiscox Insurance Company Inc. (NAIC 10200) as the underwriter of admitted Hiscox NOW professional-liability policies. [9](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [6](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") (Evidence: Company-reported; scope: Admitted small-business professional 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 technology and creative classes among its target groups; it does not provide a complete eligibility list. [3](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") (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..) | Hiscox says professional liability is licensed for sale in 49 states and Washington, D.C., excluding Alaska, and that if it does not sell the product online in a buyer's state, a specialist broker may be able to help instead. [7](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [9](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") (Evidence: Company-reported; scope: Company-stated jurisdiction for the online small-business catalogue; the appetite guide's technology classes (IT consultants, software development) illustrate typical buyers but do not guarantee acceptance for any one applicant..) |
| Coverage Features | The page describes claims alleging financial loss caused by professional services or advice and labels the product claims-made. [3](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") (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..) | Hiscox describes professional liability as a claims-made policy, meaning a claim is covered only if it is made (and typically reported) while the policy is active, rather than an occurrence policy covering incidents regardless of when the claim surfaces. [8](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq "What is Professional Liability Insurance?") (Evidence: Company-reported; scope: Product FAQ description; exact triggers, retroactive dates, exclusions and wording are set by the issued policy..) |
| 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/professional-liability.html "Professional Liability (E&O)") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) | The professional-liability pages reviewed do not publish standard limit, retention or deductible amounts; specific figures are shown only on a quote. [7](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [8](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq "What is Professional Liability Insurance?") (Evidence: Not publicly disclosed; scope: Public product and FAQ pages as previously reviewed..) |
| 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/professional-liability.html "Professional Liability (E&O)") (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..) | Hiscox says eligible buyers can quote and buy professional liability online, with licensed advisors available by phone during posted hours for questions during the process. [7](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") (Evidence: Company-reported; scope: Company-described online application; eligibility and binding conditions require confirmation on the actual application..) |
| Claims Support | Confirm in your quote. | A professional-liability FAQ tells current customers that the claims phone line is open 24 hours a day, 7 days a week, separate from the general claims-center hours listed elsewhere on the Hiscox site. [8](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq "What is Professional Liability Insurance?") (Evidence: Company-reported; scope: Company-described claims-reporting availability for this product's FAQ; does not establish claim outcomes or turnaround time..) |

## Related Pages for Foxquilt vs Hiscox Professional Liability (E&O)

- [Foxquilt vs Hiscox](https://spot.insure/compare/foxquilt-vs-hiscox): all coverage lines, business roles, service and claims.
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms.
- [Foxquilt vs Hiscox Cyber Insurance](https://spot.insure/compare/foxquilt-vs-hiscox/cyber)
- [Foxquilt vs Hiscox General Liability Insurance](https://spot.insure/compare/foxquilt-vs-hiscox/general-liability)
- [Foxquilt vs Hiscox Workers’ Compensation Insurance](https://spot.insure/compare/foxquilt-vs-hiscox/workers-compensation)
- [AIG vs Foxquilt Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-foxquilt/professional-errors-omissions)
- [AIG vs Hiscox Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-hiscox/professional-errors-omissions)
- [Alliance Risk vs Foxquilt Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/professional-errors-omissions)
- [Alliance Risk vs Hiscox Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-hiscox/professional-errors-omissions)
- [Aon vs Foxquilt Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-foxquilt/professional-errors-omissions)
- [Aon vs Hiscox Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-hiscox/professional-errors-omissions)

## Sources for Foxquilt vs Hiscox Professional Liability (E&O) 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. [Professional Liability (E&O)](https://www.foxquilt.com/businesscoverage/professional-liability.html). Foxquilt; E&O summary and claims-made label; coverage examples; “Tech & Creative” classes; digital quote/buy; North American availability; lines 22–29, 52–65, 99–120, 138–253.. Accessed 2026-09-29.

### Sources About Hiscox

4. [Website Terms & Conditions of Use](https://www.hiscox.com/terms-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.
5. [Get A Small Business Insurance Quote](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business). 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.
6. [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-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.
7. [Professional Liability Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/professional-liability-insurance). Hiscox; Professional liability/E&O product; licensed in 49 states and Washington, D.C. (Alaska excluded); specialist-broker assistance if not licensed in a state; licensed-advisor hours. Accessed 2026-09-16.
8. [What is Professional Liability Insurance?](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq). Hiscox; Claims-made description; current-customer claim number described as open 24 hours a day, 7 days a week. Accessed 2026-09-16.
9. [Hiscox US Agent Appetite Guide](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf). Hiscox; Hiscox NOW admitted GL, PL, cyber and BOP underwritten by Hiscox Insurance Company Inc.; technology classes including IT consultants and software development. Accessed 2026-09-16.

### Sources for the Professional Liability (E&O) Insurance Guide

10. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
11. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
12. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
13. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. 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).

## Hiscox Review Scores for 2026

Review Score: 6.3 / 10 from 4 rated sources, equally weighted.

Hiscox’s review results are sharply divided: low Trustpilot and ConsumerAffairs scores contrast with strong Feefo feedback. Service quality deserves closer scrutiny before purchase.

- Trustpilot: TrustScore 1.4 (5 stars); 958 reviews. Global Hiscox brand profile, varied geography and products; not limited to US commercial policies. Period: 21 in prior 12 months as displayed. Checked 2026-09-25. [Hiscox Reviews | Trustpilot](https://www.trustpilot.com/review/www.hiscox.com)
- ConsumerAffairs: Consumer rating 1.5 (5 stars); 20 reviews. ConsumerAffairs page specific to Hiscox small-business insurance; updated 2026-08-14. Period: Updated 2026-08-14. Checked 2026-09-25. [Hiscox Small Business Insurance Reviews & Complaints](https://www.consumeraffairs.com/insurance/hiscox-small-business-insurance.html)
- BBB: BBB grade A+ (BBB letter grade). BBB profile for Hiscox Insurance Company, Inc. in Chicago; this legal insurer is in the canonical Hiscox provider record. Checked 2026-09-25. [Hiscox Insurance Company, Inc | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-companies/hiscox-insurance-company-inc-0654-88714362)
- Feefo (linked from Hiscox small-business site): Service score 4.7 (5 stars); 1563 reviews. Feefo service-feedback page identified for Hiscox US small-business insurance; past-year filter. Period: Past year as displayed. Checked 2026-09-25. [Hiscox Reviews | Feefo](https://www.feefo.com/en-US/reviews/hiscox?displayFeedbackType=BOTH&page=1&timeFrame=YEAR)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/foxquilt-vs-hiscox/professional-errors-omissions.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)