Foxquilt vs 
Hiscox: 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 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. 4,5,6
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. 9,10,11,12
Key Differences in Workers’ Compensation Insurance
General-liability prerequisite
Hiscox makes workers’ compensation access conditional on already holding or concurrently buying a Hiscox general-liability policy, and says not every business class is eligible. Foxquilt’s overview markets the line to businesses with employees but does not state a general-liability prerequisite or class restrictions. A buyer considering only workers’ compensation should confirm whether Hiscox’s bundle condition fits before comparing prices. 7 3
Named insurer and coverage description
Hiscox’s page names Hartford Fire Insurance Company as the underwriter; Foxquilt’s overview does not identify an issuing carrier. Both describe workplace injury benefits, with Foxquilt naming medical care, wages, and an employer-liability feature while Hiscox characterizes its coverage as statutory Hartford workers’ compensation without additional Hiscox-specific enhancements. 8 3
What to Confirm in Workers’ Compensation 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 Workers’ Compensation Insurance Compared
Foxquilt vs Hiscox: Workers’ Compensation Insurance: documented features by provider
| Criteria | Foxquilt Workers’ Compensation | Hiscox 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. | For workers' compensation, Hiscox Inc. acts as an access point to a partner insurer rather than underwriting the coverage itself, and requires the buyer to also hold a Hiscox general-liability policy before it will provide access to workers' compensation. 7Company-reported. Company-stated partnership structure; this differs from Hiscox's own-catalogue general liability, professional liability, cyber and BOP products, which are underwritten by its own affiliated insurer. |
| Issuing Insurer | Confirm in your quote. | Hiscox's workers'-compensation page footer names Hartford Fire Insurance Company, at One Hartford Plaza, Hartford, CT, as the underwriter, with coverage made available through Hiscox Inc. doing business as Hiscox Insurance Agency in California. 7Company-reported. Company-published footer disclosure; this is a different insurer from the Hiscox Insurance Company Inc. entity that underwrites Hiscox's own-catalogue products. |
| 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. | Hiscox says workers' compensation access requires the buyer to already hold, or concurrently purchase, a Hiscox general-liability policy, and that the product is not available for all classes of business. 7Company-reported. Company-stated prerequisite and class limitation; specific excluded classes are not listed on the page. |
| 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. | The workers'-compensation page describes the product in general terms as statutory workers' compensation coverage through the Hartford partnership; it does not add Hiscox-specific coverage enhancements beyond what a standard Hartford workers'-compensation policy would include. 7Company-reported. Company-stated partnership product; specific policy wording and state benefit levels are set by Hartford's issued policy and applicable state law. |
| 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. | The workers'-compensation page does not publish benefit limits, wage-replacement percentages or premium information; statutory benefit levels are generally set by state law rather than by Hiscox or Hartford. 7Not publicly disclosed. Public product page 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. 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. | Hiscox lists workers' compensation among the products selectable from its small-business quote flow, routing eligible buyers who also carry (or are buying) general liability toward the Hartford-underwritten product. 8,7Company-reported. Company-described product-selector listing; eligibility and binding conditions require confirmation on the actual application. |
Related Pages for Foxquilt vs Hiscox Workers’ Compensation Insurance
Workers’ Compensation Insurance Pages for Foxquilt and Hiscox
Other Coverage Lines Compared for Foxquilt vs Hiscox
Other Workers’ Compensation Insurance Provider Comparisons
Sources for Foxquilt vs Hiscox 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 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.
- Workers Compensation Insurance for Small Businesses. Hiscox; Partnership with The Hartford; general liability required to purchase workers comp; not available for all classes; footer that coverage is made available through Hiscox Inc. d/b/a Hiscox Insurance Agency in CA and underwritten by Hartford Fire Insurance, One Hartford Plaza, Hartford, CT 06155. Accessed 2026-09-16.
- Hiscox Small Business Insurance. Hiscox; Product selector including workers compensation; partnership language for workers' compensation. Accessed 2026-09-16.
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.
