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 Insureon?
Insureon describes a small-business insurance agency and broker route with online quote entry and agent support. Its pages market several coverage types, but do not establish which insurer, policy form, state availability, or eligibility applies to a particular buyer. 5,6
What Is Inland Marine Insurance?
If your business moves equipment between sites or ships goods, inland marine can cover those property exposures; installation and other forms address different property categories. Match the quote to what you own, rent or hold for others. 8,9
Key Differences in Inland Marine Insurance
Mobile Equipment and Scheduled Items
Insureon describes movable contractor tools and equipment at jobsites, in transit or off site, with theft and damage examples; it warns that scheduled-item rules vary by insurer. Foxquilt’s ConvertLabs cleaner program also mentions mobile contractors’ equipment and small tools, but says this is only a small portion of equipment coverage. If you carry expensive tools, ask both routes whether individual items must be listed and how theft away from premises is treated. 3 7
Buyer Scope and Quote Expectations
Insureon focuses on contractors and small businesses with mobile equipment and offers an online quote request, while Foxquilt documents the cleaner/janitorial program context and a product-page quote route. Insureon’s page does not decide whether a particular item or applicant qualifies, and Foxquilt’s program label does not establish broader standalone availability. Provide the same equipment inventory and storage details to each before comparing offers. 3 7
What to Confirm in Inland Marine Insurance Quotes
Review Scores
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
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 reviewsInsureon
Review Score
4 rated sources
Insureon's ratings are split. Trustpilot shows 4.5 out of 5 from 2,401 reviews, while ConsumerAffairs shows 1.0 from 344.[1][2]
Read Insureon reviewsOffering Details
Foxquilt vs Insureon: Inland Marine Insurance: documented features by provider
| Criteria | Foxquilt Mobile Equipment / Inland Marine (cleaner program) | Insureon Tools and Equipment / Inland Marine Insurance |
|---|---|---|
| Role in This Line | Foxquilt lists Inland Marine among primary coverages and identifies Mobile Equipment as Inland Marine in its cleaner program. 3,4Company-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. | Insureon markets contractor tools and equipment coverage and identifies it as inland marine insurance. 7Company-reported. Insureon’s public marketing page and quote route 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. |
| Who It’s For | The described scope is the ConvertLabs janitorial/cleaner program; it is not evidence of broad standalone inland-marine availability. 3,4Company-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 page focuses on contractors and other small businesses with mobile equipment; it does not establish eligibility for a particular item or applicant. 7Company-reported. Insureon’s public marketing page and quote route 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. |
| Coverage Features | The cleaner program describes mobile contractors’ equipment, small tools and hardware, and expressly characterizes this as only a small portion of equipment coverage. 3,4Company-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 page describes movable business tools and equipment at jobsites, in transit or off-site, including theft or damage examples; scheduled-item rules vary by insurer. 7Company-reported. Insureon’s public marketing page and quote route 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. |
| Limits and Retentions | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 3,4Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 7Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. |
| 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. 3,4Company-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 cited Insureon product page provides an online quote request path; that route does not identify the insurer or guarantee that a quote will be offered or bound. 7Company-reported. Insureon’s public marketing page and quote route 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. |
Full Comparison
Other Inland Marine Insurance Comparisons
Sources
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.
- Cleaner Insurance Program by Foxquilt. Foxquilt; Current Foxquilt-powered ConvertLabs cleaner program page; lines 108–135 lists CGL, Commercial Auto, Mobile Equipment, Crime/Bonds and Workers’ Compensation. Lines 127–128 identify Mobile Equipment as “also known as Inland Marine” and limit it to a small portion of equipment coverage commonly used by janitorial providers; lines 130–131 describe Crime, not bond terms. Page says program applications are available in Canada or the U.S. Directly inspected 2026-09-29. Accessed 2026-09-29.
- About Us - North American Business Insurance Company. Foxquilt; Our Primary Coverages; North American Distribution; Foxden; broad company-level distribution statement. Accessed 2026-09-29.
Insureon
- How Insureon Works. Insureon; Agent/broker and carrier roles (L82-88); application and advertised quote/payment route (L89-97); human support (L98-101). Accessed 2026-09-28.
- General Liability Insurance - Get Online Quotes. Insureon; Coverage/product overview; illustrative third-party claims; quote CTA. Accessed 2026-09-29.
- Tools & Equipment Insurance for Contractors - Get Online Quotes. Insureon; Product definition and inland-marine label L67-L85; audience L150-L188; quote route and exclusions L244-L278. Accessed 2026-09-29.
Inland Marine Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery. Accessed 2026-09-16.
- Inland Marine Policy: Contractors’ Equipment. Markel American Insurance Company / American Association of Insurance Services; hosted by Florida Department of Management Services; PDF p.8 declarations; attached Contractors’ Equipment printed pp.1–13 (PDF pp.18–30); replacement-cost endorsement PDF p.34. Accessed 2026-09-16.
