---
title: "Foxquilt vs Lockton"
description: "Compare Lockton’s documented business and service route with Foxquilt’s small-business insurance options, including what to verify in quotes."
canonical: "https://spot.insure/compare/foxquilt-vs-lockton"
page-type: "provider-comparison"
updated-at: "2026-09-30"
---

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-lockton)

# Foxquilt vs Lockton

Compare Lockton’s documented business and service route with Foxquilt’s small-business insurance options, including what to verify in quotes.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Highlights

Foxquilt describes a small-business insurance platform with online purchasing for selected products; Lockton you work with lockton as a broker for risk, benefits and retirement programs; it arranges and services policies but is not the risk-bearing insurer. Compare the service and submission routes, then confirm the product, insurer and terms available for your business. [1](https://www.foxquilt.com/ "Commercial Insurance, Business Liability Coverage | Foxquilt") [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [19](https://global.lockton.com/us/en "Lockton United States") [30](https://global.lockton.com/us/en/contact-us "Contact Us")

## Provider Reliability Assessments

These sourced assessments are shown for context; this comparison does not select a winner.

### Foxquilt

Role: Managing general agent.

Carrier & MGA Spot Score: **No Spot Score**. Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Identity and Authority (The supplied evidence did not support a score for Identity and Authority; this factor is excluded, not scored as zero. Canonical evidence gaps: No licence for Foxquilt Insurance Services Inc. (Ontario/FSRA or other provinces) was verified. FSRA data returned a 403 and the corporate licence search could not be opened.; No US state producer or MGA licence lookup was completed for Foxquilt Insurance Services LLC. The North Carolina Secretary of State page returned a 403.; The insurer that issues Foxquilt policies in the US and Canada is not named on any page we opened. A trade article seen in search results said the new E&O uses Markel's City National Insurance Company, but that page needed a login and the other articles did not say it.; Greenlight Innovation Syndicate 3456 is being approved as a full Lloyd's syndicate from 2027. Its syndicate-level rating was not found.; Claims turnaround, complaint outcomes and Canadian provincial complaint data (for example OmbudService) were not researched.; Your policy documents show which insurer actually issues your policy. The A ratings above apply only if it is one of the two Markel insurers named here.); Financial Resilience (The supplied evidence did not support a score for Financial Resilience; this factor is excluded, not scored as zero. Canonical evidence gaps: No licence for Foxquilt Insurance Services Inc. (Ontario/FSRA or other provinces) was verified. FSRA data returned a 403 and the corporate licence search could not be opened.; No US state producer or MGA licence lookup was completed for Foxquilt Insurance Services LLC. The North Carolina Secretary of State page returned a 403.; The insurer that issues Foxquilt policies in the US and Canada is not named on any page we opened. A trade article seen in search results said the new E&O uses Markel's City National Insurance Company, but that page needed a login and the other articles did not say it.; Greenlight Innovation Syndicate 3456 is being approved as a full Lloyd's syndicate from 2027. Its syndicate-level rating was not found.; Claims turnaround, complaint outcomes and Canadian provincial complaint data (for example OmbudService) were not researched.; Your policy documents show which insurer actually issues your policy. The A ratings above apply only if it is one of the two Markel insurers named here.); Claims and Servicing (The supplied evidence did not support a score for Claims and Servicing; this factor is excluded, not scored as zero. Canonical evidence gaps: No licence for Foxquilt Insurance Services Inc. (Ontario/FSRA or other provinces) was verified. FSRA data returned a 403 and the corporate licence search could not be opened.; No US state producer or MGA licence lookup was completed for Foxquilt Insurance Services LLC. The North Carolina Secretary of State page returned a 403.; The insurer that issues Foxquilt policies in the US and Canada is not named on any page we opened. A trade article seen in search results said the new E&O uses Markel's City National Insurance Company, but that page needed a login and the other articles did not say it.; Greenlight Innovation Syndicate 3456 is being approved as a full Lloyd's syndicate from 2027. Its syndicate-level rating was not found.; Claims turnaround, complaint outcomes and Canadian provincial complaint data (for example OmbudService) were not researched.; Your policy documents show which insurer actually issues your policy. The A ratings above apply only if it is one of the two Markel insurers named here.); Regulatory Conduct (The supplied evidence did not support a score for Regulatory Conduct; this factor is excluded, not scored as zero. Canonical evidence gaps: No licence for Foxquilt Insurance Services Inc. (Ontario/FSRA or other provinces) was verified. FSRA data returned a 403 and the corporate licence search could not be opened.; No US state producer or MGA licence lookup was completed for Foxquilt Insurance Services LLC. The North Carolina Secretary of State page returned a 403.; The insurer that issues Foxquilt policies in the US and Canada is not named on any page we opened. A trade article seen in search results said the new E&O uses Markel's City National Insurance Company, but that page needed a login and the other articles did not say it.; Greenlight Innovation Syndicate 3456 is being approved as a full Lloyd's syndicate from 2027. Its syndicate-level rating was not found.; Claims turnaround, complaint outcomes and Canadian provincial complaint data (for example OmbudService) were not researched.; Your policy documents show which insurer actually issues your policy. The A ratings above apply only if it is one of the two Markel insurers named here.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/foxquilt/reliability).

### Lockton

Role: Broker.

Broker Spot Score: **5.6/10** (partial score; 15% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/lockton/reliability).

## Foxquilt Reviews

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).

## Lockton Reviews

Review Score: 8.4 / 10 from 3 rated sources, equally weighted.

Lockton’s reviews vary by office and entity. Local Google-derived ratings provide some service feedback, but no reliable firmwide verdict.

- BBB: BBB grade A+ (BBB letter grade). Denver BBB profile for Lockton Companies, LLC; corporate profile, not insurer/customer-star aggregate. Checked 2026-09-25. [Lockton Companies, LLC | BBB Business Profile](https://www.bbb.org/us/co/denver/profile/insurance-companies/lockton-companies-llc-1296-9971)
- ProvenExpert (Google Maps aggregation): Google Maps aggregate shown by ProvenExpert 4 (0–5 stars); 44 reviews. Aggregator profile labeled Lockton, insurance brokerage/consulting, attached to 444 W 47th St, Suite 900, Kansas City, Missouri. This is location-level evidence and should not be treated as firmwide consensus. ProvenExpert says the 44 reviews are from Google Maps; it does not show review-level dates in the captured result. Period: Profile active/updated 2026-08-18; accessed 2026-09-25. Checked 2026-09-25. [Lockton Reviews & Experiences | ProvenExpert](https://www.provenexpert.com/en-us/lockton/)
- Birdeye (aggregates Google and Birdeye reviews): combined Google/Birdeye star rating 3.6 (0–5 stars); 144 reviews. Office/program-specific Lockton Affinity, LLC profile at 10895 Lowell Ave, Overland Park, Kansas; not Lockton Companies, LLC firmwide. Birdeye identifies 141 Google reviews plus 3 Birdeye reviews. Period: Accessed 2026-09-25; visible excerpts dated about 3 years earlier. Checked 2026-09-25. [Lockton Affinity, LLC | Birdeye](https://reviews.birdeye.com/lockton-affinity-llc-542637984)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/lockton/reviews).

## Introduction

If you want an online starting point for selected small-business policies, Foxquilt describes online quote and purchase options. Lockton You work with Lockton as a broker for risk, benefits and retirement programs; it arranges and services policies but is not the risk-bearing insurer. The distinction matters when deciding whether to begin with an online product flow or work through the Lockton route; ask who will prepare the submission and support changes after binding. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [30](https://global.lockton.com/us/en/contact-us "Contact Us")



## Coverage Comparison

| Coverage Type | Foxquilt | Lockton |
| --- | --- | --- |
| [Builders risk](https://spot.insure/coverage/builders-risk) | Listed: Builder’s risk product page; policy-specific construction terms not established. [11](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") | Not listed |
| [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Listed: Foxquilt’s About page lists Business Owner’s Policy among “Our Primary Coverages”; no current BOP-specific terms or bundled contents are established here. [2](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") | Not listed |
| [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Not listed | Listed: Lockton arranges cargo insurance. [23](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed: Commercial auto product page; HNOA is not split out. [8](https://www.foxquilt.com/businesscoverage/commercial-auto.html "Commercial Auto Insurance") | Listed: Lockton arranges commercial auto insurance. [23](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Listed: Commercial property product page. [10](https://www.foxquilt.com/businesscoverage/commercial-property.html "Commercial Property Insurance") | Listed: Lockton arranges commercial property insurance. [24](https://global.lockton.com/us/en/products-services/property "Property Insurance") |
| [Crime](https://spot.insure/coverage/crime) | Listed: Foxquilt has a Crime Insurance product page, which says crime can be a BOP add-on or an isolated policy; the ConvertLabs cleaner program also lists Crime/Bonds but describes crime only. No bond product is inferred. [17](https://www.foxquilt.com/businesscoverage/crime.html "Smarter Crime Insurance") [18](https://www.foxquilt.com/businesscoverage/ConvertLabs.html "Cleaner Insurance Program by Foxquilt") | Listed: Lockton arranges commercial crime insurance. [28](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed: Cyber product page; policy terms and limits not established. [9](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance") | Listed: Lockton arranges cyber insurance. [21](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [20](https://global.lockton.com/us/en/technology "Technology") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Not listed | Listed: Lockton arranges directors and officers liability insurance. [22](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [20](https://global.lockton.com/us/en/technology "Technology") |
| [Employee health and benefits](https://spot.insure/coverage/employee-health-benefits) | Not listed | Listed: Lockton arranges employee health and benefits programs. [26](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Not listed | Listed: Lockton arranges employment practices liability insurance. [28](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Not listed | Listed: Lockton arranges fiduciary liability insurance. [27](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") |
| [General liability](https://spot.insure/coverage/general-liability) | Listed: Company CGL product page; line-specific CGL membership only. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [3](https://www.foxquilt.com/agent-broker-partner.html "Become a Foxquilt Agent/Broker Partner") | Listed: Lockton arranges general liability insurance. [23](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| [Hired and non-owned auto](https://spot.insure/coverage/hired-non-owned-auto) | Listed: Advertised as a Hired & non-owned feature beneath Foxquilt’s Commercial Auto card; no distinct HNOA policy or terms established. [4](https://www.foxquilt.com/businesscoverage.html "Other Coverages") | Not listed |
| [Key person](https://spot.insure/coverage/key-person) | Not listed | Listed: Lockton arranges key person insurance. [28](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| [Product liability](https://spot.insure/coverage/product-liability) | Not listed | Listed: Lockton arranges product liability insurance. [23](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: Professional E&O product page. [6](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") | Listed: Lockton arranges professional errors and omissions insurance. [28](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| [Representations and warranties](https://spot.insure/coverage/representations-warranties) | Not listed | Listed: Lockton arranges representations and warranties insurance. [28](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Not listed | Listed: Lockton arranges surety bonds. [28](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Listed: Technology/creative class within broader E&O; no separate technology form established. [6](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") | Not listed |
| [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Listed: Foxquilt lists Inland Marine among primary coverages; the ConvertLabs cleaner program describes limited mobile-equipment coverage (also called Inland Marine) commonly used by janitorial providers. This does not establish broad standalone inland-marine terms. [2](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [18](https://www.foxquilt.com/businesscoverage/ConvertLabs.html "Cleaner Insurance Program by Foxquilt") | Not listed |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed: Foxquilt lists Umbrella/Excess in its primary-coverages list and has a current Umbrella Insurance page that distinguishes umbrella from excess. Membership is for marketed umbrella only; a separate excess product is not established. [2](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [16](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") | Listed: Lockton arranges umbrella and excess liability insurance. [23](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed: Workers’ compensation page; state requirements vary. [7](https://www.foxquilt.com/businesscoverage/workers-compensation.html "Workers’ Compensation Insurance") | Listed: Lockton arranges workers’ compensation insurance. [25](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [23](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.



## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## Which Businesses Each Route Describes

Foxquilt’s stated customer focus is: Foxquilt says it serves small and midsize businesses and business-to-business networks. Its current CGL and E&O pages name contractors, e-commerce, personal services, consultants, technology and creative professionals, licensed professionals, and beauty and health services as target examples; listed classes are not guarantees of eligibility. Lockton describes its audience this way: Technology, hardware, software, internet, medical-device, semiconductor and telecom organizations can ask Lockton about brokerage; public pages give no company-size, funding or revenue minimum. Treat these as documented market focus, not a promise that a specific applicant qualifies. Before comparing quotes, give both routes the same business description, revenue, locations, operations and contract requirements. [2](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [19](https://global.lockton.com/us/en "Lockton United States")

## Compare The Products You Actually Need

Foxquilt documents Foxquilt has current product-specific pages for commercial general liability, professional E&O, workers’ compensation, commercial auto, cyber, commercial property, builders risk, umbrella and crime. The About page separately lists Business Owner’s Policy, Umbrella/Excess and Inland Marine among “Our Primary Coverages”; its umbrella page describes umbrella and distinguishes it from excess. A cleaner-program page describes limited mobile-equipment (inland marine) and crime coverage and uses a Crime/Bonds label without bond terms. The E&O page includes technology and creative professions within broader E&O; the reviewed material does not establish a separate technology E&O form. Lockton documents Technology and private-equity buyers can ask about cyber, D&O, contract review and international programs; Lockton also lists casualty, property, fiduciary, benefits, E&O, crime, EPL, surety, key-person and transaction products. Actual forms, limits and eligibility require a quote. The catalogues can differ in breadth and product scope; both records list general liability, professional errors omissions, workers compensation, while Lockton also lists cargo transit, directors officers, employee health benefits, employment practices in its current coverage record. A shared line name does not mean the policies use the same form or cover the same exposures. Ask for the proposed insurer, policy form, limits, retentions, exclusions and endorsements for each requested line. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [20](https://global.lockton.com/us/en/technology "Technology")

## Application And Support

Foxquilt’s product pages describe an online route for selected CGL and E&O policies, with assistance available. Lockton describes this application route: You can start with a Lockton team inquiry or email its cyber and technology group; reviewed pages do not offer a self-service bind flow or guaranteed quote turnaround. This difference can change who prepares the submission and supports you before binding. Ask whether you can finish the application online, whether a broker or agent must submit it, what information is needed, and who confirms binding and the effective date. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [30](https://global.lockton.com/us/en/contact-us "Contact Us")

## Confirm The Insurer And Compensation

Foxquilt’s insurer disclosure says Foxquilt’s product pages display Markel, Greenlight Re and Lloyd’s-related marks under “Backed by industry leaders.” The reviewed pages do not map those names to the insurer, reinsurer, coverholder, or delegated authority for a particular U.S. product, state or policy; confirm the insurer and producer on the quote and policy documents. Lockton reports Ask which insurer will issue your policy because Lockton does not promise a particular carrier or acceptable terms; its pages mention 100+ workers’ compensation markets without naming them and do not identify insurers for your policy. These disclosures do not identify the insurer on your individual policy. Request the issuing company and producer details for each quote, plus a written breakdown of premium, fees and broker compensation. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [31](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

## Service After Purchase

Foxquilt describes servicing as follows: Foxquilt says CGL and E&O policy documents and certificates are emailed after purchase and describes digital account tools. For agents and brokers, Foxquilt advertises digital endorsement and cancellation management and change requests in Foxden; this does not establish who has contractual authority or the processing terms for a particular policy. The public material reviewed does not establish policy-specific renewal handling, endorsement authority, cancellation process or service-level guarantees. Lockton describes this service route: Lockton describes dedicated account teams, risk control and renewal service, including a round-the-clock technology service model; confirm actual service commitments and portal features because public pages provide no standard service agreement. Ask who handles routine certificates, policy changes, renewal discussions and claims notices for your account, and whether that contact is the broker, insurer or another administrator. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [23](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance")

## Compare Services

What each provider documents about the services you may need.

| Criteria | Foxquilt | Lockton |
| --- | --- | --- |
| Business role | Foxquilt markets a North American small-business insurance platform and describes licensed-broker services. Its terms name Foxquilt Insurance Services Inc. as the website, products and services operator. Its agent page calls Foxquilt a ‘North American Carrier’ and reports admitted CGL paper in 42 U.S. states and seven Canadian provinces, but names no license-holding entity or license identifier there. The reviewed sources do not map the Inc. or the separately listed Foxquilt Insurance Services LLC to a particular U.S. placement, delegated authority or issuing insurer, so the brand’s U.S. regulated role remains unresolved. [1](https://www.foxquilt.com/ "Commercial Insurance, Business Liability Coverage | Foxquilt") [12](https://www.foxquilt.com/terms-of-use.html "Foxquilt Insurance Services | Terms & Conditions") [13](https://www.foxquilt.com/privacy-policy.html "Foxquilt Insurance Services | Consumer & Privacy Info") [3](https://www.foxquilt.com/agent-broker-partner.html "Become a Foxquilt Agent/Broker Partner") [14](https://my.westfieldinsurance.com/AgentLocator/AgencyDetailEntry.aspx?AgencyId=7480 "Agency Detail: Foxquilt Insurance Services LLC") (Evidence: Company-reported; scope: Foxquilt brand and the separately named Inc. and LLC; company disclosures accessed through 2026-09-29. License wording is provider-published and was not independently regulator-verified; no exact license identifiers were found in the inspected provider disclosures.; verified: 2026-09-29.) | You work with Lockton as a broker for risk, benefits and retirement programs; it arranges and services policies but is not the risk-bearing insurer. [19](https://global.lockton.com/us/en "Lockton United States") [31](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [38](https://global.lockton.com/us/en/our-story "Our Story") (Evidence: Company-reported; scope: Company-reported US brand and Terms of Business. The contracting Lockton company can differ by client. Private-ownership and independence claims are marketing statements, not a regulatory finding.; verified: 2026-09-16.)<br><br>Confirm the legal producer on your California broker agreement: Lockton’s terms name Lockton Companies, LLC and affiliates, its site operator is Lockton, Inc., and certificates use Lockton Insurance Brokers, LLC as a California DBA. [31](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [32](https://global.lockton.com/us/en/terms-of-use "Lockton US Terms of Use") [39](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F "Lockton-produced certificate of insurance producer header") (Evidence: Company-reported; scope: Company legal disclosures and company-issued certificates. Missouri charter number 00498854 appears in website terms as a company statement. Current secretary-of-state and producer-license status were not independently verified.; verified: 2026-09-16.)<br><br>Verify Lockton’s current California producer authority before appointing it: certificates list license 0F15767 for Lockton Companies, LLC dba Lockton Insurance Brokers, LLC, but status, classes and expiration were not independently checked. [39](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F "Lockton-produced certificate of insurance producer header") [40](https://www.insurance.ca.gov/license-status/ "California Department of Insurance — Check a License") (Evidence: Not found in reviewed sources; scope: Company-issued certificate header versus CDI lookup homepage only. Not a finding that the license is inactive or that California product placement is unavailable.; verified: 2026-09-16.) |
| Customer focus | Foxquilt says it serves small and midsize businesses and business-to-business networks. Its current CGL and E&O pages name contractors, e-commerce, personal services, consultants, technology and creative professionals, licensed professionals, and beauty and health services as target examples; listed classes are not guarantees of eligibility. [2](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [6](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") (Evidence: Company-reported; scope: Company-described North American small-business audience and example product classes; actual appetite depends on product, class, state and underwriting.; verified: 2026-09-29.) | Technology, hardware, software, internet, medical-device, semiconductor and telecom organizations can ask Lockton about brokerage; public pages give no company-size, funding or revenue minimum. [19](https://global.lockton.com/us/en "Lockton United States") [20](https://global.lockton.com/us/en/technology "Technology") [28](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") (Evidence: Company-reported; scope: US technology, homepage and private-equity service pages. Presence of a technology practice is not an eligibility guarantee for a bootstrapped or early-stage startup.; verified: 2026-09-16.) |
| Coverage lines | Foxquilt has current product-specific pages for commercial general liability, professional E&O, workers’ compensation, commercial auto, cyber, commercial property, builders risk, umbrella and crime. The About page separately lists Business Owner’s Policy, Umbrella/Excess and Inland Marine among “Our Primary Coverages”; its umbrella page describes umbrella and distinguishes it from excess. A cleaner-program page describes limited mobile-equipment (inland marine) and crime coverage and uses a Crime/Bonds label without bond terms. The E&O page includes technology and creative professions within broader E&O; the reviewed material does not establish a separate technology E&O form. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [6](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") [7](https://www.foxquilt.com/businesscoverage/workers-compensation.html "Workers’ Compensation Insurance") [8](https://www.foxquilt.com/businesscoverage/commercial-auto.html "Commercial Auto Insurance") [9](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance") [10](https://www.foxquilt.com/businesscoverage/commercial-property.html "Commercial Property Insurance") [11](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") [2](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [16](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") [17](https://www.foxquilt.com/businesscoverage/crime.html "Smarter Crime Insurance") [18](https://www.foxquilt.com/businesscoverage/ConvertLabs.html "Cleaner Insurance Program by Foxquilt") (Evidence: Company-reported; scope: Current Foxquilt pages inspected 2026-09-29. These are marketed coverage memberships, not a conclusion that detailed policy terms are adequate for comparison. Product scope differs between standalone pages, a primary-coverages list, subfeatures and the ConvertLabs cleaner program; quote and policy determine actual terms, jurisdiction, issuer and eligibility.; verified: 2026-09-29.) | Technology and private-equity buyers can ask about cyber, D&O, contract review and international programs; Lockton also lists casualty, property, fiduciary, benefits, E&O, crime, EPL, surety, key-person and transaction products. Actual forms, limits and eligibility require a quote. [20](https://global.lockton.com/us/en/technology "Technology") [21](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [22](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [23](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [24](https://global.lockton.com/us/en/products-services/property "Property Insurance") [25](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [26](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") [27](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [28](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") (Evidence: Company-reported; scope: Direct US product and industry pages accessed 16 September 2026. Technology errors and omissions is discussed in educational Lockton articles but was not added from those articles alone. Catalogue entries from the private-equity page are marketed in that industry context.; verified: 2026-09-16.) |
| Application process | Foxquilt says customers can request and buy CGL and E&O online, with team assistance available, and receive documents after purchase. Its screens show example businesses, sample limits and prices; these are company illustrations, not quotes tested for a buyer or evidence that every risk can bind online. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [6](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") [1](https://www.foxquilt.com/ "Commercial Insurance, Business Liability Coverage | Foxquilt") (Evidence: Company-reported; scope: Company-reported CGL and E&O purchase workflow; no form was submitted and no quote or purchase was completed in this research.; verified: 2026-09-29.) | You can start with a Lockton team inquiry or email its cyber and technology group; reviewed pages do not offer a self-service bind flow or guaranteed quote turnaround. [30](https://global.lockton.com/us/en/contact-us "Contact Us") [19](https://global.lockton.com/us/en "Lockton United States") [33](https://global.lockton.com/us/en/privacy-notice "Lockton Companies Website Privacy Notice") [21](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [32](https://global.lockton.com/us/en/terms-of-use "Lockton US Terms of Use") (Evidence: Company-reported; scope: US contact, privacy, technology and cyber-technology pages. Form submission was not completed. Website terms state site content is general information, not broking advice.; verified: 2026-09-16.) |
| Servicing and renewals | Foxquilt says CGL and E&O policy documents and certificates are emailed after purchase and describes digital account tools. For agents and brokers, Foxquilt advertises digital endorsement and cancellation management and change requests in Foxden; this does not establish who has contractual authority or the processing terms for a particular policy. The public material reviewed does not establish policy-specific renewal handling, endorsement authority, cancellation process or service-level guarantees. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [6](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") [2](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [3](https://www.foxquilt.com/agent-broker-partner.html "Become a Foxquilt Agent/Broker Partner") (Evidence: Company-reported; scope: Company-reported buyer servicing statements and agent/broker portal marketing; no account access or live service interaction tested.; verified: 2026-09-29.) | Lockton describes dedicated account teams, risk control and renewal service, including a round-the-clock technology service model; confirm actual service commitments and portal features because public pages provide no standard service agreement. [23](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [20](https://global.lockton.com/us/en/technology "Technology") [31](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [24](https://global.lockton.com/us/en/products-services/property "Property Insurance") [19](https://global.lockton.com/us/en "Lockton United States") (Evidence: Company-reported; scope: Company service descriptions and default Terms of Business; a signed services agreement can differ. Portal capabilities remain undocumented in this review.; verified: 2026-09-16.) |
| Access to insurers | Foxquilt’s product pages display Markel, Greenlight Re and Lloyd’s-related marks under “Backed by industry leaders.” The reviewed pages do not map those names to the insurer, reinsurer, coverholder, or delegated authority for a particular U.S. product, state or policy; confirm the insurer and producer on the quote and policy documents. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [6](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") [2](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") (Evidence: Not publicly disclosed; scope: Foxquilt brand marketing and the reviewed public CGL/E&O pages; no policy or state-specific issuer schedule reviewed.; verified: 2026-09-29.) | Ask which insurer will issue your policy because Lockton does not promise a particular carrier or acceptable terms; its pages mention 100+ workers’ compensation markets without naming them and do not identify insurers for your policy. [31](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [21](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [25](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Not publicly disclosed; scope: US Terms of Business, cyber-technology, and workers’ compensation marketing. Not a finding that Lockton lacks carrier access.; verified: 2026-09-16.) |

## Related Reading

- [What Is Foxquilt?](https://spot.insure/insurance-providers/foxquilt)
- [What Is Lockton?](https://spot.insure/insurance-providers/lockton)

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## Sources

### [Foxquilt Official Website](https://www.foxquilt.com/)

1. [Commercial Insurance, Business Liability Coverage | Foxquilt](https://www.foxquilt.com/). Foxquilt; Homepage: available-now CGL and E&O; other recommended products; digital purchase workflow; illustrative quote screens and carrier/support marks. Accessed 2026-09-29.
2. [About Us - North American Business Insurance Company](https://www.foxquilt.com/about-us.html). Foxquilt; Our Primary Coverages; North American Distribution; Foxden; broad company-level distribution statement. Accessed 2026-09-29.
3. [Become a Foxquilt Agent/Broker Partner](https://www.foxquilt.com/agent-broker-partner.html). Foxquilt; Agent/broker product and servicing marketing: quote/bind/service in Foxden and instant documents (lines 22–24); service requests manage endorsements/cancellations (lines 130–138); digital servicing support says digitally manage endorsements/cancellations (lines 206–208); agents can file change requests in Foxden (lines 262–266). Separate CGL live selector states 42 U.S. states, 7 Canadian provinces and ‘Admitted paper Yes’ (lines 210–227). Page calls Foxquilt a ‘North American Carrier’ and says two products are built/underwritten in-house (lines 145–152). Directly reopened 2026-09-29. Provider-published marketing, not independent regulator verification; exact license-holding entity/type/identifier, specific policy authority and request-processing terms are not disclosed here. Accessed 2026-09-29.
4. [Other Coverages](https://www.foxquilt.com/businesscoverage.html). Foxquilt; Other Coverages page: Workers’ Compensation, Commercial Auto, Cyber Liability and Commercial Property cards; Commercial Auto card lists Owned vehicles, Hired & non-owned, and Tools in transit as features; CGL/E&O are marked available now. Directly inspected 2026-09-29, lines 22–70. Accessed 2026-09-29.
5. [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.
6. [Professional Liability (E&O)](https://www.foxquilt.com/businesscoverage/professional-liability.html). Foxquilt; E&O summary and claims-made label; coverage examples; “Tech & Creative” classes; digital quote/buy; North American availability; lines 22–29, 52–65, 99–120, 138–253. Accessed 2026-09-29.
7. [Workers’ Compensation Insurance](https://www.foxquilt.com/businesscoverage/workers-compensation.html). 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.
8. [Commercial Auto Insurance](https://www.foxquilt.com/businesscoverage/commercial-auto.html). Foxquilt; Product description, audience/use cases, claims scenarios and price factors. Reopened 2026-09-29, lines 42, 99–132. Accessed 2026-09-29.
9. [Cyber Business Insurance](https://www.foxquilt.com/businesscoverage/cyber-insurance.html). Foxquilt; Cyber event description, target business types/data exposure, examples, price factors. Reopened 2026-09-29, lines 98–127. Accessed 2026-09-29.
10. [Commercial Property Insurance](https://www.foxquilt.com/businesscoverage/commercial-property.html). Foxquilt; Property description and causes; target property; claim examples; pricing factors. Reopened 2026-09-29, lines 98–128. Accessed 2026-09-29.
11. [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.
12. [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.
13. [Foxquilt Insurance Services | Consumer & Privacy Info](https://www.foxquilt.com/privacy-policy.html). Foxquilt; Privacy officer identity/address; “How We Get Paid For Our Services”; commission table and contingent-commission footnote; Canada-oriented company disclosure; no U.S. line/issuer mapping. Accessed 2026-09-29.
14. [Agency Detail: Foxquilt Insurance Services LLC](https://my.westfieldinsurance.com/AgentLocator/AgencyDetailEntry.aspx?AgencyId=7480). Westfield Insurance; Agency directory listing for Foxquilt Insurance Services LLC and Business coverage; does not disclose state appointment terms, delegated authority, or policy issuer. Accessed 2026-09-28.
15. [Foxquilt official website](https://www.foxquilt.com/). Foxquilt; Official website is the provenance root for the visible brand mark; no reusable downloadable official logo file was verified during this pass. Accessed 2026-09-29.
16. [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.
17. [Smarter Crime Insurance](https://www.foxquilt.com/businesscoverage/crime.html). Foxquilt; Current product page calls the product Crime Insurance; lines 90–104 describe money/securities, inside/outside theft and examples; lines 113–121 say crime may be included as a BOP add-on or bought as an isolated policy. Directly inspected 2026-09-29. Marketing does not establish form/limits or fidelity/surety bond coverage. Accessed 2026-09-29.
18. [Cleaner Insurance Program by Foxquilt](https://www.foxquilt.com/businesscoverage/ConvertLabs.html). 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.

### [Lockton Official Website](https://global.lockton.com/us/en)

19. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
20. [Technology](https://global.lockton.com/us/en/technology). Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16.
21. [Cyber & Technology](https://global.lockton.com/us/en/cyber-technology). Lockton; A complete solution to inform, improve, and insure cyber and privacy risk; insurer partnerships; Insure step including claim life cycle; contact cyber@lockton.com. Accessed 2026-09-16.
22. [D&O Insurance](https://global.lockton.com/us/en/products-services/d-and-o-insurance). Lockton; Program description; Side A/B/C overview; who can be covered; Claims management and Professional & Executive Risk Claims team. Accessed 2026-09-16.
23. [Casualty Insurance](https://global.lockton.com/us/en/products-services/casualty). Lockton; Introduction on designing and placing liability, auto and workers’ compensation programs; Casualty Insurance Solutions: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers’ Compensation; dedicated service team. Accessed 2026-09-16.
24. [Property Insurance](https://global.lockton.com/us/en/products-services/property). Lockton; Matching property risks to the global marketplace; manuscript property policy; assistance with complex claim recovery. Accessed 2026-09-16.
25. [Workers' Compensation](https://global.lockton.com/us/en/products-services/workers-compensation). Lockton; Program design with claims experts; access to more than 100 regional, global and program markets; claims service advocates. Accessed 2026-09-16.
26. [Lockton People Solutions](https://global.lockton.com/us/en/products-services/employee-benefits). Lockton; Introducing Lockton People Solutions; integrated health and risk programs; FAQ on products (employee experiences, total rewards and benefits, management and measurement) and private ownership. Accessed 2026-09-16.
27. [Fiduciary Liability Insurance](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance). Lockton; What is fiduciary liability insurance; typical coverage list; claims management; distinction from ERISA bonds. Accessed 2026-09-16.
28. [Risk & People Solutions for Private Equity Firms](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms). Lockton; Lockton capabilities across the investment life cycle: D&O/GPL, transaction insurance (reps, tax, litigation), E&O, crime and FI bonds, cyber, EPL, surety, portfolio company programs, key person insurance and benefits design. Accessed 2026-09-16.
29. [Loss Prevention and Claims](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims). Lockton; Claims consulting description: investigations, policy mapping, discussions with insurer lawyers and loss adjusters; documenting and presenting claims. Accessed 2026-09-16.
30. [Contact Us](https://global.lockton.com/us/en/contact-us). Lockton; Inquiry form requiring Terms of Use and Privacy Notice acknowledgment; general enquiries mailbox disclaimer. Accessed 2026-09-16.
31. [US Terms of Business](https://global.lockton.com/us/en/terms-of-business). Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16.
32. [Lockton US Terms of Use](https://global.lockton.com/us/en/terms-of-use). Lockton; Who we are: Lockton, Inc., Missouri corporation, charter number 00498854; Kansas City principal office; last updated October 15, 2021; Site content is general information, not broking or insurance advice. Accessed 2026-09-16.
33. [Lockton Companies Website Privacy Notice](https://global.lockton.com/us/en/privacy-notice). Lockton; Last updated January 2025; collection when visitors solicit an insurance policy quote; disclosure to insurance companies and intermediaries for quotes. Accessed 2026-09-16.
34. [Offices - Lockton US](https://global.lockton.com/us/en/offices). Lockton; Global headquarters Kansas City, 444 W 47th St. Suite 900; US inquiry email KC-Inquiries@lockton.com. Accessed 2026-09-16.
35. [Lockton Insurance Brokers - San Francisco](https://global.lockton.com/offices/usa-san-francisco). Lockton; Office heading Lockton Insurance Brokers - San Francisco; Suite 600, Three Embarcadero Center, San Francisco, CA 94111. Accessed 2026-09-16.
36. [Lockton Insurance Brokers - Los Angeles](https://global.lockton.com/offices/usa-los-angeles). Lockton; Office heading and 777 S. Figueroa St. Suite 5200, Los Angeles, CA 90017. Accessed 2026-09-16.
37. [Lockton Insurance Brokers - Irvine](https://global.lockton.com/offices/usa-irvine). Lockton; Office heading and 19800 MacArthur Blvd., Irvine, CA 92612. Accessed 2026-09-16.
38. [Our Story](https://global.lockton.com/us/en/our-story). Lockton; Independence changes everything; family organization and private ownership statements; insurance, employee benefits consulting and retirement services. Accessed 2026-09-16.
39. [Lockton-produced certificate of insurance producer header](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F). Lockton; Producer block: Lockton Companies, LLC DBA Lockton Insurance Brokers, LLC in CA; CA license #0F15767. Accessed 2026-09-16.
40. [California Department of Insurance — Check a License](https://www.insurance.ca.gov/license-status/). California Department of Insurance; Public license-status inquiry page. Accessed 2026-09-16.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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