Foxquilt vs HUB International: How Do They Compare for Umbrella and Excess Liability Insurance?

Foxquilt describes umbrella across multiple existing policies with a quote path. HUB brokers umbrella and excess above general liability, auto, or employers liability and describes industry-specific casualty, claims, litigation, and analytics support. ^3,⁷

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

Read the Foxquilt profile

Read the Foxquilt Umbrella and Excess Liability Insurance page

What Is HUB International?

HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. ^4,^5,⁶

Read the HUB International profile

Read the HUB International Umbrella and Excess Liability Insurance page

What Is Umbrella and Excess Liability Insurance?

Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. ^8,^9,^10,^11,¹²

Read the full coverage guide

Key Differences in Umbrella and Excess Liability Insurance

Industry scope and underlying policies

HUB's casualty practice names transportation, construction, healthcare, hospitality, manufacturing and distribution, and real estate, and places umbrella or excess over general liability, auto, and employers liability. Foxquilt's page describes umbrella across policies and offers a quote path, but does not name its underlying lines or industry focus. Businesses in HUB's listed sectors can ask Foxquilt whether its proposed schedule includes the same policies. ⁷ ³

Risk and claims services

HUB describes risk services, claims, litigation, and analytics expertise in its casualty practice; Foxquilt's reviewed umbrella overview focuses on product description and a quote path, without detailing comparable post-placement services. A buyer weighing service support should ask HUB which capabilities apply to this layer and ask Foxquilt what its placement includes. ⁷ ³

What to Confirm in Umbrella and Excess Liability Insurance Quotes

Ask HUB which carrier and attachment terms apply to your industry and whether its claims and analytics teams support this specific layer. ⁷
Ask Foxquilt to name the underlying lines and post-bind services included in its umbrella placement. ³

Foxquilt and HUB International 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

8.9/ 10

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 reviews

HUB International Review Score

5.6/ 10

Review Score

2 rated sources

Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.^[7]^[6]

Read HUB International reviews

Foxquilt vs HUB International Umbrella and Excess Liability Compared

Foxquilt vs HUB International: Umbrella and Excess Liability Insurance: documented features by provider

Criteria	Foxquilt Umbrella Insurance	HUB International Umbrella and Excess Liability Insurance Brokerage
Role in This Line	Foxquilt markets Umbrella Insurance; its page distinguishes umbrella from excess and does not establish a separate excess product. 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.	HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. ⁷Company-reported. Casualty insurance product page as read 2026-09-23; the page does not name an issuing insurer.
Issuing Insurer	Confirm in your quote.	The casualty insurance page does not name an issuing insurer for umbrella or excess coverage; HUB places this coverage with insurers that vary by client and program. ⁷Not found in reviewed sources. Checked the casualty insurance page on 2026-09-23; no carrier is disclosed there.
Who It’s For	The page recommends considering umbrella when a business needs more CGL limits than its main policy provides; the underlying-policy requirements are not published. 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.	HUB says its casualty expertise, which includes umbrella and excess liability, spans transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate industries. ⁷Company-reported. Product-page industry list for the broader casualty practice; not umbrella-specific eligibility criteria.
Coverage Features	The page describes umbrella as extending protection across multiple existing policies and contrasts excess coverage that extends one portion of insurance. 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.	HUB describes umbrella and excess liability coverage as protection against potentially catastrophic liability claim settlements and judgments that exceed the limits of a client's underlying general liability, auto or employers'-liability policies. ⁷Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim.
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.	Published umbrella or excess limit amounts, attachment points or premium information were not found on the casualty insurance page. ⁷Not publicly disclosed. Checked the casualty insurance page on 2026-09-23; limits are set on the quote and declarations.
Risk Services	Confirm in your quote.	HUB describes a "Global Reach, Local Touch" approach built on extensive carrier relationships and says it applies risk-services, claims, litigation and analytics expertise across its casualty programs, which include umbrella and excess placements. ⁷Company-reported. Product-page service description; a company-reported capability describing the broader casualty practice, not umbrella-specific service detail.
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.	Confirm in your quote.

Related Pages for Foxquilt vs HUB International

Umbrella and Excess Liability Pages for Foxquilt and HUB International

Other Coverage Lines Compared for Foxquilt vs HUB International

Other Umbrella and Excess Liability Insurance Provider Comparisons

Sources for Foxquilt vs HUB International

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.
Smarter Umbrella Insurance For Your Business. Foxquilt; Current product page calls the product Umbrella Insurance; lines 98–104 describe umbrella vs excess and eligibility; lines 106–121 give illustrative scenarios; lines 127–132 discuss multi-insurer tower as hypothetical purchasing example. Directly inspected 2026-09-29. It supports an umbrella marketing membership, not a separate excess product, actual tower, underlying requirements, policy form or limits. Accessed 2026-09-29.

Sources About HUB International

About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
Comprehensive Casualty Insurance Solutions. HUB International; Umbrella & Excess Liability section: protection for potentially catastrophic liability claim settlements and judgments; General & Product Liability section; Global Reach, Local Touch carrier-relationship description; industries served list; Connect With a HUB casualty insurance broker. Accessed 2026-09-23.

Sources for the Umbrella and Excess Liability Insurance Guide

Liability Insurance. Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
Commercial Insurance Guide. California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
Lines of Insurance. California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
Coverage Hub. Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
Products. Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16.