---
title: "Foxquilt vs Liberty Mutual: Builders Risk Insurance"
description: "Liberty Mutual’s overview names materials, labor, construction-management fees, temporary structures and landscaping materials while noting that the issued form controls; Foxquilt describes construction-stage property protection and example loss causes."
canonical: "https://spot.insure/compare/foxquilt-vs-liberty-mutual/builders-risk"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "foxquilt-vs-liberty-mutual"
provider-a: "foxquilt"
provider-b: "liberty-mutual"
coverage-line: "builders-risk"
---

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-liberty-mutual/builders-risk)

## Agent Guide

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

**Key facts:**
- Line: Builders Risk Insurance. Providers: Foxquilt and Liberty Mutual.
- 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 Liberty Mutual](https://spot.insure/compare/foxquilt-vs-liberty-mutual) — parent: all coverage lines for this pair
- [Builders Risk Insurance guide](https://spot.insure/coverage/builders-risk) — coverage explainer for this line
- [Foxquilt profile](https://spot.insure/insurance-providers/foxquilt) — provider profile (evidence)
- [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence)
- [Foxquilt vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/foxquilt-vs-liberty-mutual/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/foxquilt-vs-liberty-mutual/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Liberty Mutual Crime Insurance](https://spot.insure/compare/foxquilt-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/foxquilt-vs-liberty-mutual/cyber) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/foxquilt-vs-liberty-mutual/general-liability) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Liberty Mutual Inland Marine Insurance](https://spot.insure/compare/foxquilt-vs-liberty-mutual/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/foxquilt-vs-liberty-mutual/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/foxquilt-vs-liberty-mutual/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/foxquilt-vs-liberty-mutual/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/foxquilt-vs-liberty-mutual/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Foxquilt Builders Risk Insurance](https://spot.insure/compare/aig-vs-foxquilt/builders-risk) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Foxquilt Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Aon vs Foxquilt Builders Risk Insurance](https://spot.insure/compare/aon-vs-foxquilt/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/builders-risk) — sibling comparison (other line, or other pair for this line)

# Foxquilt vs Liberty Mutual: How Do They Compare for Builders Risk Insurance?

Liberty Mutual’s overview names materials, labor, construction-management fees, temporary structures and landscaping materials while noting that the issued form controls; Foxquilt describes construction-stage property protection and example loss causes.

## How to Use the Foxquilt vs Liberty Mutual Builders Risk Insurance Comparison

Use this comparison to evaluate Foxquilt and Liberty Mutual for Builders Risk 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 Liberty Mutual Builders Risk Insurance Summary

Liberty Mutual’s overview names materials, labor, construction-management fees, temporary structures and landscaping materials while noting that the issued form controls; Foxquilt describes construction-stage property protection and example loss causes. [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") [6](https://business.libertymutual.com/commercial-solutions/property/ "Property") [7](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk")

## 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 Liberty Mutual Business Insurance?

Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. [4](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [5](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions")

[Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual)

## What Is Builders Risk Insurance?

Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. [8](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf "Builders Risk Coverage Form") [11](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf "Builders Risk Application Tip Sheet")

## What Are the Key Differences Between Foxquilt and Liberty Mutual Builders Risk Insurance?

### What the public descriptions identify

Liberty Mutual names materials, labor, construction-management fees, temporary structures and landscaping materials in its builders-risk description, while Foxquilt describes construction-stage property protection at a higher level. Liberty Mutual also cautions that coverage is form-specific. For a project relying on temporary works or stored materials, use Liberty Mutual’s itemized description to frame questions, then check the actual form from either provider for covered property, causes and exclusions. [6](https://business.libertymutual.com/commercial-solutions/property/ "Property") [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance")

### Project and portfolio fit

Liberty Mutual’s page addresses both single projects and portfolios, from buildings to infrastructure, and its stated thresholds apply only to the named program option. Foxquilt’s page frames its product for businesses undertaking construction but leaves eligible project types open. A repeat builder should ask Liberty Mutual which program its project fits and Foxquilt whether the specific project scale and class can be quoted. [6](https://business.libertymutual.com/commercial-solutions/property/ "Property") [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance")

## What Should You Confirm in Foxquilt and Liberty Mutual Builders Risk Insurance Quotes?

- Which Liberty Mutual form or program applies, and are temporary structures, landscaping materials and project labor included as scheduled? [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") [6](https://business.libertymutual.com/commercial-solutions/property/ "Property")
- Will Foxquilt quote this project's type, value and portfolio structure, and what limits and deductibles will apply? [6](https://business.libertymutual.com/commercial-solutions/property/ "Property") [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance")

## Foxquilt vs Liberty Mutual Builders Risk Insurance Compared

| Criteria | Foxquilt Builder’s Risk | Liberty Mutual Builder’s Risk |
| --- | --- | --- |
| Role in This Line | Foxquilt lists a Builder’s Risk product for businesses with construction projects. [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") (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..) | Liberty Mutual lists Builder’s Risk in its property portfolio and describes both a named proprietary form and a stand-alone Specialty Property offering. [6](https://business.libertymutual.com/commercial-solutions/property/ "Property") [7](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview 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 page frames the product around businesses undertaking construction projects; it does not establish which project types Foxquilt will quote. [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") (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..) | The page addresses contractors and property owners with single projects or portfolios and describes construction projects ranging from buildings to infrastructure; its published project thresholds apply only to the named program option. [6](https://business.libertymutual.com/commercial-solutions/property/ "Property") [7](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview 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 | Its public overview describes protection for property during construction and gives examples of construction-stage loss causes. [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") (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..) | The builder’s-risk page describes protection during construction, including materials, labor, construction-management fees, temporary structures and landscaping materials; actual coverage remains form-specific. [6](https://business.libertymutual.com/commercial-solutions/property/ "Property") [7](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview 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](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") (Evidence: Not publicly disclosed; scope: 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. [6](https://business.libertymutual.com/commercial-solutions/property/ "Property") [7](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) |
| Risk Services | Confirm in your quote. | Liberty Mutual describes property underwriting, risk-engineering and claims teams working together on complex property risks. [6](https://business.libertymutual.com/commercial-solutions/property/ "Property") [7](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk "Builder’s risk") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview 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..) |
| 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/builders-risk-insurance.html "Builder’s Risk Insurance") (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..) | Confirm in your quote. |

## Related Pages for Foxquilt vs Liberty Mutual Builders Risk Insurance

- [Foxquilt vs Liberty Mutual](https://spot.insure/compare/foxquilt-vs-liberty-mutual): all coverage lines, business roles, service and claims.
- [What Is Builders Risk Insurance?](https://spot.insure/coverage/builders-risk): Builders risk insures a building and its materials against physical loss while it is under construction, but stored or in-transit materials, the existing structure in a renovation, and early occupancy can fall outside it.
- [Foxquilt vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/foxquilt-vs-liberty-mutual/commercial-auto)
- [Foxquilt vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/foxquilt-vs-liberty-mutual/commercial-property)
- [Foxquilt vs Liberty Mutual Crime Insurance](https://spot.insure/compare/foxquilt-vs-liberty-mutual/crime)
- [Foxquilt vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/foxquilt-vs-liberty-mutual/cyber)
- [Foxquilt vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/foxquilt-vs-liberty-mutual/general-liability)
- [Foxquilt vs Liberty Mutual Inland Marine Insurance](https://spot.insure/compare/foxquilt-vs-liberty-mutual/inland-marine)
- [Foxquilt vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/foxquilt-vs-liberty-mutual/professional-errors-omissions)
- [Foxquilt vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/foxquilt-vs-liberty-mutual/technology-errors-omissions)
- [Foxquilt vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/foxquilt-vs-liberty-mutual/umbrella-excess)
- [Foxquilt vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/foxquilt-vs-liberty-mutual/workers-compensation)
- [AIG vs Foxquilt Builders Risk Insurance](https://spot.insure/compare/aig-vs-foxquilt/builders-risk)
- [AIG vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/builders-risk)
- [Alliance Risk vs Foxquilt Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/builders-risk)
- [Alliance Risk vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/builders-risk)
- [Aon vs Foxquilt Builders Risk Insurance](https://spot.insure/compare/aon-vs-foxquilt/builders-risk)
- [Aon vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/builders-risk)

## Sources for Foxquilt vs Liberty Mutual Builders Risk 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. [Builder’s Risk Insurance](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html). Foxquilt; Construction-stage description and example causes; intended buyers; project-specific price factors. Reopened 2026-09-29, lines 98–127.. Accessed 2026-09-29.

### Sources About Liberty Mutual

4. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile). Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide).. Accessed 2026-09-29.
5. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-solutions/). Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary.. Accessed 2026-09-29.
6. [Property](https://business.libertymutual.com/commercial-solutions/property/). Liberty Mutual Business Insurance; Property solutions section describes commercial property, business-interruption protection, Builder's Risk, Equipment Breakdown, Inland Marine and Ocean Marine; named Premier Property Protector, RM Select, and Liberty Mutual Property Protector product descriptions; states standalone and package options. Coverage terms depend on the policy.. Accessed 2026-09-29.
7. [Builder’s risk](https://business.libertymutual.com/commercial-solutions/inland-marine/builders-risk). Liberty Mutual Business Insurance; Official product page: single-project or portfolio scope; contractors and property owners; Premier Protector — Builder’s Risk and stand-alone Specialty Property offerings; covered materials, labor, construction management fees, temporary structures and landscaping materials. Source also describes project-specific program design, underwriting and claims support.. Accessed 2026-09-30.

### Sources for the Builders Risk Insurance Guide

8. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16.
9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
10. [Builders Risk Coverage Form](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf). Insurance Services Office, Inc.; hosted by Touchpoint Markets; A.1–3 p.1; B.3.c p.11; C,D,E p.12. Accessed 2026-09-16.
11. [Builders Risk Application Tip Sheet](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf). US Assure; General policy application tips p.1; Remodeling tips p.2. 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).

## Liberty Mutual Review Scores for 2026

Review Score: 7.2 / 10 from 2 rated sources, equally weighted.

Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.

- NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance)
- Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/liberty-mutual/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/foxquilt-vs-liberty-mutual/builders-risk.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)