---
title: "Foxquilt vs Liberty Mutual: Umbrella and Excess Liability Insurance"
description: "Foxquilt outlines a cross-policy umbrella and a quote route; Liberty Mutual publishes broker-distributed commercial and wholesale availability without limit terms."
canonical: "https://spot.insure/compare/foxquilt-vs-liberty-mutual/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "foxquilt-vs-liberty-mutual"
provider-a: "foxquilt"
provider-b: "liberty-mutual"
coverage-line: "umbrella-excess"
---

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[Human-readable page](https://spot.insure/compare/foxquilt-vs-liberty-mutual/umbrella-excess)

## Agent Guide

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

**Key facts:**
- Line: Umbrella and Excess Liability 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
- [Umbrella and Excess Liability Insurance guide](https://spot.insure/coverage/umbrella-excess) — 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 Builders Risk Insurance](https://spot.insure/compare/foxquilt-vs-liberty-mutual/builders-risk) — sibling comparison (other line, or other pair for this line)
- [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 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 Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-foxquilt/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Foxquilt Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Foxquilt Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-foxquilt/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/umbrella-excess) — sibling comparison (other line, or other pair for this line)

# Foxquilt vs Liberty Mutual: How Do They Compare for Umbrella and Excess Liability Insurance?

Foxquilt outlines a cross-policy umbrella and a quote route; Liberty Mutual publishes broker-distributed commercial and wholesale availability without limit terms.

## How to Use the Foxquilt vs Liberty Mutual Umbrella and Excess Liability Insurance Comparison

Use this comparison to evaluate Foxquilt and Liberty Mutual for Umbrella and Excess Liability 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 Umbrella and Excess Liability Insurance Summary

Foxquilt describes umbrella across multiple existing policies and offers a quote route. Liberty Mutual lists commercial and wholesale umbrella/excess through broker and agent channels, but its reviewed pages do not set attachment or limit terms. [3](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") [5](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [6](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution")

## 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 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. [7](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm "Lines of Insurance") [10](https://www.coverdash.com/coverage "Coverage Hub") [11](https://kinro.com/products "Products")

## What Are the Key Differences Between Foxquilt and Liberty Mutual Umbrella and Excess Liability Insurance?

### Channel and underwriting terms

Foxquilt gives buyers a cross-policy umbrella description and quote path. Liberty Mutual lists commercial and wholesale umbrella/excess and distributes business through brokers and agents; its reviewed pages do not establish limits or attachment terms. [3](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") [6](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution")

### Getting placement terms

Liberty Mutual's commercial page says products are distributed through brokers and agents, and its wholesale page lists umbrella/excess; Foxquilt provides a product quote path. Neither reviewed page supplies an account-specific bind or complete attachment terms, so buyers should ask each route to identify the issuer, schedule, and proposed limits in writing. [5](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [3](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business")

## What Should You Confirm in Foxquilt and Liberty Mutual Umbrella and Excess Liability Insurance Quotes?

- Ask Liberty Mutual or your broker to identify the wholesale or commercial route, insurer, limits, and attachment terms. [6](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution")
- Ask Foxquilt for the covered underlying schedule and whether its quote can be bound. [3](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business")

## Foxquilt vs Liberty Mutual Umbrella and Excess Liability Compared

| Criteria | Foxquilt Umbrella Insurance | Umbrella and Excess Liability |
| --- | --- | --- |
| Role in This Line | Foxquilt markets Umbrella Insurance; its page distinguishes umbrella from excess and does not establish a separate excess product. [3](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") (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 umbrella and excess liability in its commercial catalogue and in a wholesale-industry coverage list. [5](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [6](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Umbrella and Excess Liability. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) |
| 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. [3](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") (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 commercial business pages distribute products through brokers and agents. [5](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [6](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Umbrella and Excess Liability. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) |
| Coverage Features | The page describes umbrella as extending protection across multiple existing policies and contrasts excess coverage that extends one portion of insurance. [3](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") (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..) | Its wholesale page names umbrella/excess cover as an option for that industry; limits and attachment terms are not established here. [5](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [6](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Umbrella and Excess Liability. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) |
| 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/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) | Confirm in your quote. |
| 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/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") (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 cited product page does not establish an online application or policy-binding path; ask the listed team or your broker/agent how this product is placed. [5](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [6](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution") (Evidence: Not found in reviewed sources; scope: Reviewed product-page scope only. This not-found disposition is not a claim that no digital route exists..) |

## Related Pages for Foxquilt vs Liberty Mutual

- [Foxquilt vs Liberty Mutual](https://spot.insure/compare/foxquilt-vs-liberty-mutual): all coverage lines, business roles, service and claims.
- [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella or excess insurance can add liability limits above selected underlying policies when a covered claim exceeds them; compare the schedule and any gaps.
- [Foxquilt vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/foxquilt-vs-liberty-mutual/builders-risk)
- [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 Workers’ Compensation Insurance](https://spot.insure/compare/foxquilt-vs-liberty-mutual/workers-compensation)
- [AIG vs Foxquilt Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-foxquilt/umbrella-excess)
- [AIG vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/umbrella-excess)
- [Alliance Risk vs Foxquilt Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/umbrella-excess)
- [Alliance Risk vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/umbrella-excess)
- [Amelia Risk vs Foxquilt Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-foxquilt/umbrella-excess)
- [Amelia Risk vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/umbrella-excess)

## Sources for Foxquilt vs Liberty Mutual

### 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. [Smarter Umbrella Insurance For Your Business](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html). 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 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. [Wholesale Distribution](https://business.libertymutual.com/industries/wholesale/). Liberty Mutual Business Insurance; Wholesale coverage options list includes cargo stock throughput, commercial auto, cyber, D&O, environmental, general liability, inland marine, management liability, property (including equipment breakdown), trade credit, umbrella/excess and workers compensation. Industry-specific examples, not universal eligibility.. Accessed 2026-09-29.

### Sources for the Umbrella and Excess Liability Insurance Guide

7. [Liability Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/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.
8. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). 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.
9. [Lines of Insurance](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm). 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.
10. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
11. [Products](https://kinro.com/products). Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. 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).

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