---
title: "Foxquilt vs Markel Insurance"
description: "Compare Foxquilt and Markel for cyber liability, including quote access, policy terms and account service."
canonical: "https://spot.insure/compare/foxquilt-vs-markel"
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-markel)

# Foxquilt vs Markel Insurance

Compare Foxquilt and Markel for cyber liability, including quote access, policy terms and account service.

## Before You Quote

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

## Highlights

Foxquilt describes north American small-business insurance platform with digital, agent/broker and network channels; company describes the brand as an insurance technology business. Markel’s U.S. small-business description names child care and enrichment, commercial and residential services, sports and fitness, and manufacturing. Both catalogues list Cyber liability, Technology errors and omissions (E&O), Workers’ compensation; compare the actual product, issuer and service route for your business before treating those labels as equivalent. [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") [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") [26](https://www.markel.com/us/commercial/small-business "Small Business Insurance") [19](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K") [34](https://www.markel.com/us/commercial/professional-and-management-liability/cyber "Cyber Insurance Coverage")

## 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).

### Markel Insurance

Role: Insurance carrier.

Carrier & MGA Spot Score: **7.1/10** (partial score; 85% of this role's weighting included). Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Carrier-Network Strength (The supplied evidence did not support a score for Carrier-Network Strength; this factor is excluded, not scored as zero. Canonical evidence gaps: Which Markel insurer issues a given product in a given state is not mapped on public pages. Use the insurer named on your quote or policy.; Only New York and California regulator records were opened for Markel Insurance Company. Authority in the other states is Markel's own statement.; The AM Best release and rating page could not be opened by automated tools this session. The rating is taken from the release read earlier and from Markel's own table.; Penalty amounts and violation details for the New York consent order and the Texas orders could not be fully read. A second Texas order (2024) and a 2011 Florida consent order were located but not read.; A five-year search across every state was not done, and California's formal enforcement search would not return results.; Nebraska's latest 2025 summary was blank, so the most recent statutory financials shown are for 2024.; No reinsurance panel, third-party claims administrator or claim-decision authority is publicly mapped.; No independent measure of commercial claim service was found.).

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

## Markel Insurance Reviews

Review Score: 7.5 / 10 from 2 rated sources, equally weighted.

There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years.

- J.D. Power: Commercial Lines Insurers agent satisfaction score 726 (out of 1,000). 2022 commercial-lines independent-agent satisfaction study and 2025 small-commercial customer study; these use different populations and measures Period: 2022. Checked 2026-09-29. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/business/press-releases/2025-us-small-commercial-insurance-study); [2022 U.S. Independent Agent Satisfaction Study](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf)
- Trustpilot: TrustScore 2.5 (out of 5); 5 reviews. Trustpilot brand-level page for markel.com. It mixes products and is not mapped to one legal insurer. Checked 2026-09-29. [Markel Reviews](https://www.trustpilot.com/review/markel.com)
- BBB: BBB business grade A+. BBB business profile for Markel Insurance Company headquarters/corporate-owned locations; review and complaint submissions may include other products and affiliates Checked 2026-09-29. [Markel Insurance Company Business Profile](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547); [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints)
- BBB: Complaints 12; 12 reviews. BBB profile for Markel Insurance Company; complaints may include other Markel products and affiliates and BBB says not all submissions are displayed. Period: last 3 years, as displayed 2026-09-29. Checked 2026-09-29. [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints)

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

## Introduction

Foxquilt says it serves small and midsize businesses and business-to-business networks. For a business considering cyber liability, the practical difference is the entry point: Foxquilt describes an online starting point backed by a broker, while Markel distributes through wholesale and retail channels. Compare what fits your buying team and operations, then verify the actual product and terms. [2](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [19](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K") [9](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance") [34](https://www.markel.com/us/commercial/professional-and-management-liability/cyber "Cyber Insurance Coverage") [6](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)")



## Coverage Comparison

| Coverage Type | Foxquilt | Markel Insurance |
| --- | --- | --- |
| [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") | Listed: Markel builders risk [39](https://www.markel.com/us/industries/construction/large-builders-risk "Builders Risk Insurance") |
| [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: Markel cargo and transit coverage [38](https://www.markel.com/us/commercial/property/inland-marine "Commercial Inland Marine 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") | Not listed |
| [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: Markel commercial property [37](https://www.markel.com/us/commercial/property/commercial-and-risk-management-property "Commercial 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: Markel Cyber 360 eCrime component (standalone product not established) [34](https://www.markel.com/us/commercial/professional-and-management-liability/cyber "Cyber Insurance Coverage") |
| [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: Markel Cyber 360 [34](https://www.markel.com/us/commercial/professional-and-management-liability/cyber "Cyber Insurance Coverage") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Not listed | Listed: Markel private and nonprofit D&O [36](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Not listed | Listed: Markel employment practices liability [36](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") |
| [Equipment breakdown](https://spot.insure/coverage/equipment-breakdown) | Not listed | Listed: Equipment-breakdown option within property coverage; standalone product not established [32](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Not listed | Listed: Markel fiduciary liability [36](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management 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: Markel small-business casualty and property [32](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property 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") | Listed: Hired/non-owned auto option in small-business casualty; not commercial auto [32](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") |
| [Liquor liability](https://spot.insure/coverage/liquor-liability) | Not listed | Listed: Markel liquor liability [32](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") |
| [Management liability](https://spot.insure/coverage/management-liability) | Not listed | Listed: Markel management liability [36](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") |
| [Media liability](https://spot.insure/coverage/media) | Not listed | Listed: Markel Cyber 360 media liability component (standalone product not established) [34](https://www.markel.com/us/commercial/professional-and-management-liability/cyber "Cyber Insurance Coverage") |
| [Product liability](https://spot.insure/coverage/product-liability) | Not listed | Listed: Markel products liability [32](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property 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: Markel ProBiz miscellaneous E&O [35](https://www.markel.com/us/commercial/professional-and-management-liability/probiz "ProBiz | Professional Liability Coverage") |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Not listed | Listed: Markel Surety bonds [41](https://www.markel.com/us/surety "Markel Surety") |
| [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)") | Listed: Markel Cyber 360 technology professional liability component (standalone product not established) [34](https://www.markel.com/us/commercial/professional-and-management-liability/cyber "Cyber Insurance Coverage") |
| [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") | Listed: Markel commercial inland marine [38](https://www.markel.com/us/commercial/property/inland-marine "Commercial Inland Marine Insurance") |
| [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: Markel excess casualty and umbrella [40](https://www.markel.com/us/commercial/casualty/excess-casualty "Excess 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: Markel Workers Compensation [33](https://www.markel.com/us/commercial/small-business/workers-compensation "Workers Compensation 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.

## Key Differences Between Foxquilt and Markel Insurance

### Online Entry Still Needs a Binding Route

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. 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 a quote for your business. Markel describes Markel Insurance as the insurance operations within Markel Group Inc., a Virginia holding company. Markel’s U.S. Wholesale and Specialty division distributes through wholesale and retail channels, with limited small-account binding authority; some direct marketing applies to certain admitted products and programs. [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://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K")

That difference matters if you want to work through an existing adviser, compare several insurers, or start from a self-service application. Ask whether your chosen producer can access the Foxquilt product and the relevant Markel division for your state, and who is responsible for presenting the final terms. A brand name or online intake does not identify the insurer that will issue the policy. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [19](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K")

### Use Shared Lines to Frame the Quote

Both companies list Cyber liability, Technology errors and omissions (E&O), Workers’ compensation. The cyber liability description for Foxquilt says “a catalogue entry for cyber liability”; Markel’s listing describes “Markel Cyber 360.” The difference can matter: one description may place a line inside a broader product or limit it to a component, while the other describes a separate offer. Confirm the exact policy structure and wording on each quote. [9](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance") [34](https://www.markel.com/us/commercial/professional-and-management-liability/cyber "Cyber Insurance Coverage") [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") [33](https://www.markel.com/us/commercial/small-business/workers-compensation "Workers Compensation Insurance")

Ask each respondent to name the exact product and form for cyber liability, then show how the proposal treats your revenue, services, locations, contracts and any physical operations. If the proposal places other lines separately, request a schedule that makes the separate policies and any intended coordination visible. Product names and catalogue entries alone cannot establish matched limits, exclusions or conditions.

### Compare the Work After the Quote

The service arrangements also differ after submission:

Foxquilt says CGL and E&O policy documents and certificates are emailed after purchase and describes digital account tools. Markel describes commercial-agent portals for authorized users, including functions for listed lines; its U.S. account page separately lists documents, proof of insurance and payments for covered business products. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [28](https://www.markel.com/us/for-agents-and-brokers/commercial-lines "Commercial Lines Agents & Broker Support") [29](https://www.markel.com/us/my-account "My Account")

Confirm who handles certificates, midterm changes, billing, renewal information and claim notification for the policy you are considering. If Foxquilt’s service is tied to an adviser or portal, ask whether your account and the proposed line qualify for it; do the same for the Markel product. Neither a group-wide service description nor a portal feature establishes a turnaround time or claim outcome. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [28](https://www.markel.com/us/for-agents-and-brokers/commercial-lines "Commercial Lines Agents & Broker Support")

## What to Confirm in Quotes

- Which exact product and policy form is proposed for cyber liability, and what limits, retentions, exclusions and endorsements apply to our operations?
- Who is the licensed producer and which legal insurer would issue each policy in our state? Is the placement admitted or surplus lines?
- What information and documents should we prepare, who will submit them, and what still needs underwriting approval before binding?
- Who will service the policy after binding, and what account, renewal, certificate and claim-notification functions are available for this product?

Start with Foxquilt if its stated customer focus or buying route matches how your team wants to arrange this line. Ask Markel for a proposal when one of its listed small-business or specialty classes fits the exposure. Compare the named insurer, policy structure, state route and account-service responsibilities before choosing between them. [2](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [26](https://www.markel.com/us/commercial/small-business "Small Business Insurance")

## Compare Services

What each provider documents about the services you may need.

| Criteria | Foxquilt | Markel Insurance |
| --- | --- | --- |
| 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.) | Markel describes Markel Insurance as the insurance operations within Markel Group Inc., a Virginia holding company. Markel Group's FY2025 filing identifies multiple underwriting subsidiaries. The insurer for a specific policy depends on the product, state and current quote or policy disclosures; Markel Insurance is not one standalone legal insurer. [19](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K") [20](https://www.markel.com/about-us "About us") (Evidence: Company-reported; scope: U.S. commercial-insurance identity and parent/business relationship; not a product-specific issuer assignment.; verified: 2026-09-29.) |
| 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.) | Markel's U.S. small-business page lists child care and enrichment, commercial and residential services, sports and fitness, and manufacturing among the segments it describes. Separately, its FY2025 filing describes Markel Insurance's global specialty business as underwriting hard-to-place risks; that wording is not specific to U.S. Wholesale and Specialty. [26](https://www.markel.com/us/commercial/small-business "Small Business Insurance") [19](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K") (Evidence: Company-reported; scope: Company-stated U.S. small-business examples and separate global business characterization; neither establishes eligibility.; verified: 2026-09-29.) |
| 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.) |  |
| 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.) | Markel's FY2025 filing says U.S. Wholesale and Specialty distributes through wholesale and retail channels on admitted and excess-and-surplus bases, including limited small-account binding authority. In 2025, 71% of this division's gross written premium was placed through wholesale brokers, 26% through retail agents and brokers, and the remainder through alternative channels. Certain admitted products and programs are marketed directly to consumers, but that does not establish online purchase or binding for every product. [19](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K") (Evidence: Company-reported; scope: FY2025 Markel Insurance U.S. Wholesale and Specialty distribution; not the whole Markel Insurance business.; verified: 2026-09-29.)<br><br>For workers' compensation, Markel directs applicants to submit an online application or contact an appointed agent to request a quote; the reviewed page does not establish that purchase and binding are completed online. [27](https://www.markel.com/us/commercial/small-business/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Markel U.S. workers' compensation page only; route to request a quote.; verified: 2026-09-29.)<br><br>Agencies can request a Markel appointment; Markel says appointments are made by affiliated insurer and product, and producers must hold the required state license. This is a producer onboarding route, not an insured's application path. [30](https://www.markel.com/us/for-agents-and-brokers/request-appointment-with-markel "Request appointment with Markel") (Evidence: Company-reported; scope: Commercial agency appointment information; not retail purchase process.; verified: 2026-09-29.) |
| 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.) | Markel describes agent portals for authorized commercial users to quote and bind listed lines and access account history, billing, claims details and policy documents. The page does not establish that every product supports every function. [28](https://www.markel.com/us/for-agents-and-brokers/commercial-lines "Commercial Lines Agents & Broker Support") (Evidence: Company-reported; scope: Commercial-agent portals; available functions vary by portal and product.; verified: 2026-09-29.)<br><br>Markel's U.S. account page lists policy documents, proof-of-insurance downloads, payments and automatic payments for covered business products and directs customers with unlisted products to the agent on the policy. Renewal handling and renewal terms were not established in this review. [29](https://www.markel.com/us/my-account "My Account") (Evidence: Company-reported; scope: Public portal description; not all products necessarily use the portal.; verified: 2026-09-29.) |

## Related Reading

- [What Is Foxquilt?](https://spot.insure/insurance-providers/foxquilt)
- [Markel Insurance: Specialty Business and Products](https://spot.insure/insurance-providers/markel)

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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.

### [Markel Insurance Official Website](https://www.markel.com/us)

19. [Markel Group Inc. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm). U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28.
20. [About us](https://www.markel.com/about-us). Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc. Accessed 2026-09-28.
21. [US Product Disclaimer](https://www.markel.com/us-product-disclaimer). Markel; U.S. underwriting/entity and state-availability disclaimer; identifies Markel West Insurance Services, California license #2E11302, for certain non-admitted coverage. It does not state Markel Service national producer license #27585 or California DBA license #0645481. Accessed 2026-09-29.
22. [Insurance Programs](https://www.markel.com/us/insurance-programs). Markel; FAQ and legal disclaimer at page end; coverage by Markel insurers, Markel Service, Incorporated national producer license #27585 and California DBA license #0645481, and Markel West Insurance Services California license #2E11302 for certain non-admitted products. Accessed 2026-09-29.
23. [AM Best Affirms Credit Ratings of Markel Group Inc. and Its Subsidiaries](https://news.ambest.com/pr/PressContent.aspx?altsrc=2&refnum=36790). AM Best; Press release dated November 21, 2025; paragraphs naming ratings, rating rationale, and Markel North America Insurance Group members. Accessed 2026-09-28.
24. [North America Producer Compensation Disclosure](https://www.markel.com/north-america-producer-compensation-disclosure). Markel; Base commissions, contingent compensation, business production/additional incentives, and Markel Specialty/Markel Service/insurer role statement. Accessed 2026-09-28.
25. [U.S. and Bermuda Claims Contacts](https://content.markel.com/api/public/content/f52fc789f11245b5b8acd14aa45e1847). Markel; April 2026 claims-contact PDF footer: Markel West, Inc. d/b/a Markel West Insurance Services, California license #0D95581; coverage by one or more Markel insurers and non-admitted routes. Accessed 2026-09-29.
26. [Small Business Insurance](https://www.markel.com/us/commercial/small-business). Markel; Small business products; Types of companies—Child care and enrichment, Commercial and residential services, Sports and fitness, Manufacturing. Accessed 2026-09-28.
27. [Workers Compensation Insurance](https://www.markel.com/us/commercial/small-business/workers-compensation). Markel; Introductory quote/application route; claims question and report-a-claim contact. Accessed 2026-09-28.
28. [Commercial Lines Agents & Broker Support](https://www.markel.com/us/for-agents-and-brokers/commercial-lines). Markel; mPortal and Markel Online access; resources; digital distribution. Accessed 2026-09-28.
29. [My Account](https://www.markel.com/us/my-account). Markel US; Online account portal capabilities; Business insurance; unlisted-product direction. Accessed 2026-09-28.
30. [Request appointment with Markel](https://www.markel.com/us/for-agents-and-brokers/request-appointment-with-markel). Markel; Commercial and personal lines agency partner criteria; product-specific affiliate appointments; producer-license requirement. Accessed 2026-09-28.
31. [Markel Insurance Companies](https://www.markel.com/our-insurance-companies). Markel; Notice to California and Massachusetts Applicants and Insureds; U.S.-domiciled property and casualty insurer subsidiaries and affiliates; table of company names and market status (page states current as of 2024-04-01). Accessed 2026-09-28.
32. [Small Business Casualty and Property Insurance](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property). Markel; What we offer; product/liability, property, general casualty, inland marine, excess umbrella, liquor liability, hired/non-owned auto, employee benefits liability, E&O and equipment breakdown references. Accessed 2026-09-29.
33. [Workers Compensation Insurance](https://www.markel.com/us/commercial/small-business/workers-compensation). Markel; Product overview and quote route; workers compensation/employers liability, eligible industries, claim and loss-control descriptions. Accessed 2026-09-29.
34. [Cyber Insurance Coverage](https://www.markel.com/us/commercial/professional-and-management-liability/cyber). Markel; Markel Cyber 360; coverages available, cyber incident response, business interruption, privacy/security liability, media liability and technology professional liability. Accessed 2026-09-29.
35. [ProBiz | Professional Liability Coverage](https://www.markel.com/us/commercial/professional-and-management-liability/probiz). Markel; What is Markel ProBiz; separate management liability and miscellaneous E&O; listed limits and qualifying business size. Accessed 2026-09-29.
36. [Private and Nonprofit Management Liability Insurance](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit). Markel; What we offer; private/nonprofit segment; D&O, EPL, fiduciary and optional coverage sections. Accessed 2026-09-29.
37. [Commercial Property Insurance](https://www.markel.com/us/commercial/property/commercial-and-risk-management-property). Markel; Commercial property product summary and eligible risks. Accessed 2026-09-29.
38. [Commercial Inland Marine Insurance](https://www.markel.com/us/commercial/property/inland-marine). Markel; What we offer; inland marine classes, cargo, contractors equipment, transportation and coverage structure. Accessed 2026-09-29.
39. [Builders Risk Insurance](https://www.markel.com/us/industries/construction/large-builders-risk). Markel; Coverage features; construction projects and builders-risk scope. Accessed 2026-09-29.
40. [Excess Casualty Insurance](https://www.markel.com/us/commercial/casualty/excess-casualty). Markel; Excess and umbrella liability and admitted/non-admitted capabilities. Accessed 2026-09-29.
41. [Markel Surety](https://www.markel.com/us/surety). Markel; Products; contract bonds, commercial bonds, court and probate bonds. Accessed 2026-09-29.
42. [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints). Better Business Bureau; Company complaints summary: 12 in last three years, 3 closed in last 12 months; complaint-category counts and displayed case examples; headquarters and corporate-owned locations. Accessed 2026-09-29.

Updated 2026-09-30. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/foxquilt-vs-markel.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)