---
title: "Foxquilt vs Marsh"
description: "Compare Marsh’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-marsh"
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-marsh)

# Foxquilt vs Marsh

Compare Marsh’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; Marsh marsh’s us compensation guide states that, as an insurance broker, marsh’s role is to facilitate placement of insurance coverage on behalf of clients. the transparency page describes determining appropriate insurers and negotiating with those insurers. marsh is not identified in these sources as the insurer that issues or pays the policy. 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") [36](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [33](https://www.marsh.com/en/contact-us/contact-select.html "Contact us inquiries")

## 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).

### Marsh

Role: Broker.

Broker Spot Score: **5.6/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: 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/marsh/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).

## Marsh Reviews

Review Score: 5.8 / 10 from 2 rated sources, equally weighted.

Marsh’s global Trustpilot profile has a poor 1.3/5 score. Treat it as a service warning to investigate with your proposed team; it does not isolate US commercial accounts.

- Trustpilot: TrustScore 1.3 (0–5 stars); 115 reviews. Global brand profile across products/countries, not U.S. commercial-only. Period: 35 reviews in prior 12 months. Checked 2026-09-25. [Marsh Reviews | Trustpilot](https://www.trustpilot.com/review/www.marsh.com)
- Buzdy (Google review aggregation): Google reviews shown by Buzdy 4.5 (0–5 stars); 4 reviews. Named Marsh (Hong Kong) Limited office in Quarry Bay, Hong Kong. Buzdy states ratings/counts are powered by Google. Foreign local office only; not the U.S. Marsh brokerage or a firmwide score. Period: Listing verification 2026-07-29; accessed 2026-09-25. Checked 2026-09-25. [Marsh (Hong Kong) Limited | Buzdy](https://buzdy.com/viewMerchant/marsh-hong-kong-limited-hong-kong)

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

## Introduction

If you want an online starting point for selected small-business policies, Foxquilt describes online quote and purchase options. Marsh Marsh’s US compensation guide states that, as an insurance broker, Marsh’s role is to facilitate placement of insurance coverage on behalf of clients. The transparency page describes determining appropriate insurers and negotiating with those insurers. Marsh is not identified in these sources as the insurer that issues or pays the policy. The distinction matters when deciding whether to begin with an online product flow or work through the Marsh 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") [33](https://www.marsh.com/en/contact-us/contact-select.html "Contact us inquiries")



## Coverage Comparison

| Coverage Type | Foxquilt | Marsh |
| --- | --- | --- |
| [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: Marsh McLennan Agency (MMA), a Marsh business, arranges builders risk insurance. [44](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") |
| [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 |
| [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: Marsh arranges property insurance for digital infrastructure, and Marsh McLennan Agency (MMA), a Marsh business, arranges commercial property insurance. [44](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [22](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [23](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") |
| [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: Marsh McLennan Agency (MMA), a Marsh business, arranges commercial crime insurance. [43](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") |
| [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: Marsh arranges cyber insurance. [26](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [42](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Not listed | Listed: Marsh arranges directors and officers liability insurance. [29](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") [43](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") |
| [Employee health and benefits](https://spot.insure/coverage/employee-health-benefits) | Not listed | Listed: Marsh McLennan Agency (MMA), a Marsh business, arranges employee health and benefits programs. [47](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance | MMA") [40](https://www.marshmma.com/us/mma/about-us.html "Who We Are | MMA") [36](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Not listed | Listed: Marsh arranges employment practices liability insurance. [30](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [43](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") |
| [Equipment breakdown](https://spot.insure/coverage/equipment-breakdown) | Not listed | Listed: Marsh arranges equipment breakdown insurance, including for data centers. [22](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") |
| [Fidelity bonds](https://spot.insure/coverage/fidelity-bonds) | Not listed | Listed: Marsh McLennan Agency (MMA), a Marsh business, arranges commercial crime and fidelity coverage. [43](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Not listed | Listed: Marsh McLennan Agency (MMA), a Marsh business, arranges fiduciary liability insurance. [43](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") |
| [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: Marsh arranges general liability insurance, including for data centers. [22](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") |
| [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 |
| [Intellectual property](https://spot.insure/coverage/intellectual-property) | Not listed | Listed: Marsh McLennan Agency (MMA), a Marsh business, arranges intellectual property insurance. [43](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") |
| [Kidnap and ransom](https://spot.insure/coverage/kidnap-ransom) | Not listed | Listed: Marsh McLennan Agency (MMA), a Marsh business, arranges kidnap and ransom insurance. [43](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") |
| [Management liability](https://spot.insure/coverage/management-liability) | Not listed | Listed: Marsh arranges management liability insurance. [43](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") [32](https://www.marsh.com/en/services/financial-professional-liability.html "Financial & Professional Liability") |
| [Media liability](https://spot.insure/coverage/media) | Not listed | Listed: Marsh McLennan Agency (MMA), a Marsh business, arranges media liability insurance. [43](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") |
| [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: Marsh arranges professional errors and omissions insurance. [31](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [43](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Not listed | Listed: Marsh McLennan Agency (MMA), a Marsh business, arranges contract and commercial surety bonds. [22](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [46](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk | MMA") |
| [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: Marsh arranges technology errors and omissions insurance. [22](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [31](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") |
| [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") | Not listed |
| [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: Marsh McLennan Agency (MMA), a Marsh business, arranges workers’ compensation insurance. [45](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover | MMA") |

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. Marsh describes its audience this way: Marsh describes itself as a global insurance broker and risk advisor. Its homepage says it advises clients in 130 countries across industries that include technology. US broking is organized in segments: Risk Management (including large, complex programs), Corporate (midsize domestic firms), Marsh McLennan Agency (middle-market companies in the United States and Canada), and Affinity programs. The Technology Practice is the industry team that markets data-center, fintech and digital-infrastructure work. Public pages do not publish a minimum premium, employee count or California-startup eligibility rule. 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://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments")

## 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. Marsh documents Marsh’s Cyber Insurance practice markets brokerage of cyber policies and related analytics products. Marsh McLennan Agency’s cyber page lists solution areas such as cybercrime, extortion and ransomware, media liability, network interruption and privacy regulatory defense costs. The Technology Practice’s data-center service describes programs that can include property damage, equipment breakdown, business interruption, cyber, general liability and surety for power and interconnection obligations. Stratus is marketed as an operational property exchange for digital infrastructure with potential access to up to $10 billion of property capacity on a single placement; at launch it is focused on property, with inland marine, cyber and casualty described as possible later lines. These are marketed capabilities, not a standard startup package or guaranteed limits. The catalogues can differ in breadth and product scope; both records list general liability, technology errors omissions, professional errors omissions, while Marsh also lists directors officers, employee health benefits, employment practices, equipment breakdown 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") [26](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance")

## Application And Support

Foxquilt’s product pages describe an online route for selected CGL and E&O policies, with assistance available. Marsh describes this application route: The public Marsh path to speak with a broker is an inquiry, not an online bind. Contact pages ask you to choose an inquiry type, including a sales or RFP route. The business-inquiry page says to complete a form and that a representative will respond within 48 hours; it points existing-policy certificate, billing and policy questions elsewhere. The inquiry page does not display premiums or bind coverage. The 48-hour response time is a company statement, not a binding or service guarantee. 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") [33](https://www.marsh.com/en/contact-us/contact-select.html "Contact us inquiries")

## 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. Marsh reports Marsh and MMA describe access to multiple insurers rather than a single issuing carrier for all business. MMA says it works with a wide variety of carriers. Stratus is a prior-submit exchange in which participating insurers evaluate each risk individually; the page does not name those insurers. Marsh’s compensation and transparency pages say Marsh or affiliates may receive insurer consulting compensation and may own equity interests in certain insurers or reinsurers, with a list on the transparency site. Victor, an affiliated MGU and wholesale broker, is described as accessing markets retail Marsh US cannot offer directly; that path is documented for some programs and is not assumed for every placement. Ask for the issuing insurer, surplus-lines status and proposed forms on the quote. 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") [41](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance")

## 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. Marsh describes this service route: Marsh markets ongoing consulting, analytics and client-advisory services alongside brokerage, including Marsh Risk Consulting, risk analytics and captive solutions named in the compensation guide. MMA describes risk-control, benchmarking and claims management as part of casualty and property service. Core US broking segments pledge to disclose quotes automatically; other segments do so upon request. Public pages do not document a self-serve policy portal comparable to an online-only insurer, and they do not publish a universal renewal timetable. 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") [36](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients")

## Compare Services

What each provider documents about the services you may need.

| Criteria | Foxquilt | Marsh |
| --- | --- | --- |
| 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.) | Marsh’s US compensation guide states that, as an insurance broker, Marsh’s role is to facilitate placement of insurance coverage on behalf of clients. The transparency page describes determining appropriate insurers and negotiating with those insurers. Marsh is not identified in these sources as the insurer that issues or pays the policy. [36](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [35](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [20](https://www.marsh.com/risk-home.html "Marsh Risk | Global Leader in Insurance Broking and Risk Management") (Evidence: Company-reported; scope: US client-compensation and transparency disclosures. Affinity/Amazon administrator language is a separate program role and is not treated as the default retail relationship.; verified: 2026-09-16.)<br><br>Current Marsh materials use more than one US legal name. The compensation guide (copyright 2024, Marsh LLC) refers to Marsh LLC and Marsh USA LLC entering client agreements. The transparency page instead names Marsh LLC and Marsh USA Inc. Marsh McLennan Agency is described as a wholly owned Marsh subsidiary. A 2006 California decision caption used MARSH USA, INC., dba MARSH RISK AND INSURANCE SERVICES, license 0437153. Confirm the exact contracting producer on the proposal and license documents; current California license status remains unverified. [36](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [35](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [37](https://affinity.marsh.com/affinity/licensing.html "Licensing") [38](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [19](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [49](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/intro-disp05047170-ap.cfm "MARSH USA INC") (Evidence: Conflicting sources; scope: Unresolved Inc. versus LLC naming. Affinity’s Marsh USA LLC license table is company-reported as of 8 March 2024 and is not a CDI live lookup. Brand unification in January 2026 is described as a brand change, not a change in business structure.; 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.) | Marsh describes itself as a global insurance broker and risk advisor. Its homepage says it advises clients in 130 countries across industries that include technology. US broking is organized in segments: Risk Management (including large, complex programs), Corporate (midsize domestic firms), Marsh McLennan Agency (middle-market companies in the United States and Canada), and Affinity programs. The Technology Practice is the industry team that markets data-center, fintech and digital-infrastructure work. Public pages do not publish a minimum premium, employee count or California-startup eligibility rule. [19](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [21](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") [36](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [38](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") (Evidence: Company-reported; scope: Company-reported segmentation and industry marketing. Fortune 500 and revenue statistics on Marsh sites are not used here as independently verified. A middle-market MMA path is not proof that every early-stage Bay Area company will be accepted.; 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.) | Marsh’s Cyber Insurance practice markets brokerage of cyber policies and related analytics products. Marsh McLennan Agency’s cyber page lists solution areas such as cybercrime, extortion and ransomware, media liability, network interruption and privacy regulatory defense costs. The Technology Practice’s data-center service describes programs that can include property damage, equipment breakdown, business interruption, cyber, general liability and surety for power and interconnection obligations. Stratus is marketed as an operational property exchange for digital infrastructure with potential access to up to $10 billion of property capacity on a single placement; at launch it is focused on property, with inland marine, cyber and casualty described as possible later lines. These are marketed capabilities, not a standard startup package or guaranteed limits. [26](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [42](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") [22](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [23](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") [21](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") (Evidence: Company-reported; scope: Direct practice and product pages. Technology-page FAQs about software BOP, fidelity or commercial auto were not used as offering proof. Stratus capacity is company-stated potential access, not a bound limit for a named insured.; verified: 2026-09-16.)<br><br>Marsh’s Directors and Officers page offers D&O program design for public, private and non-profit companies. Its Employment Practices page offers EPLI, including endorsements described for firms with more than 4,000 employees and for midsize firms with 250 to 4,000 employees. Its Professional Liability page offers E&O risk-transfer design, including for technology businesses. MMA’s executive and professional liability practice lists D&O, E&O, EPL, commercial crime/fidelity, cyber, fiduciary, media, intellectual property and kidnap-and-ransom among policies it places. Endorsement headcount bands and product labels do not establish that a particular Bay Area company qualifies or that wording is equivalent across insurers. [29](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") [30](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html "Employment Practices Liability") [31](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html "Professional liability") [43](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance | MMA") [32](https://www.marsh.com/en/services/financial-professional-liability.html "Financial & Professional Liability") (Evidence: Company-reported; scope: Direct Marsh F&PL expertise pages and MMA executive catalogue. Fiduciary, crime, media, IP and K&R are listed on MMA’s practice page; they were not each confirmed on a separate Marsh.com expertise URL.; verified: 2026-09-16.)<br><br>MMA’s business-insurance hub links casualty, property, surety, cyber, executive and professional liability, international placements, captives and small-business programs. Its property page covers commercial property and builders’ risk. Its casualty page includes workers’ compensation. MMA and Marsh sites also market employee health and benefits consulting and placement. MMA’s compensation-guide landing page exists for 2026 but the PDF body was not fully extracted here. [41](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance") [44](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [45](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover | MMA") [46](https://www.marshmma.com/us/solutions/surety.html "Surety Bonds to Mitigate Company Risk | MMA") [47](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance | MMA") [36](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") (Evidence: Company-reported; scope: MMA solution pages. Texas-office lists and business-insurance FAQ examples were not used as nationwide catalogue proof. Small-business marketing does not establish an online instant-issue product.; 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.) | The public Marsh path to speak with a broker is an inquiry, not an online bind. Contact pages ask you to choose an inquiry type, including a sales or RFP route. The business-inquiry page says to complete a form and that a representative will respond within 48 hours; it points existing-policy certificate, billing and policy questions elsewhere. The inquiry page does not display premiums or bind coverage. The 48-hour response time is a company statement, not a binding or service guarantee. [33](https://www.marsh.com/en/contact-us/contact-select.html "Contact us inquiries") [34](https://www.marsh.com/en/contact-us/contact-select/business-form.html "Business inquiries") [39](https://www.marshmma.com/ "Marsh McLennan Agency | USA Insurance Leaders") (Evidence: Company-reported; scope: Inspected public contact-select and business-form pages on 16 September 2026 without submitting information. MMA has a separate contact page. Inquiry is not a completed insurance application.; verified: 2026-09-16.)<br><br>Marsh describes a broker-led placement: identifying insurers for the risk, negotiating coverage and price, and, in core US broking segments, disclosing quotes and premium indications received. It may share incumbent or competing insurer names, pricing objectives, expiring terms, or give an insurer a last look when it believes that is in the client’s interest or the client instructs it. Those market practices are disclosure statements, not a guaranteed outcome or turnaround. [36](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [35](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") (Evidence: Company-reported; scope: Compensation guide transparency pledges and market-activity list. Not observed live placements.; 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.) | Marsh markets ongoing consulting, analytics and client-advisory services alongside brokerage, including Marsh Risk Consulting, risk analytics and captive solutions named in the compensation guide. MMA describes risk-control, benchmarking and claims management as part of casualty and property service. Core US broking segments pledge to disclose quotes automatically; other segments do so upon request. Public pages do not document a self-serve policy portal comparable to an online-only insurer, and they do not publish a universal renewal timetable. [36](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [35](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [41](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance") [44](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [45](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover | MMA") [20](https://www.marsh.com/risk-home.html "Marsh Risk | Global Leader in Insurance Broking and Risk Management") (Evidence: Company-reported; scope: Service descriptions, not observed client-portal access. MarketConnect tools that share upcoming-renewal information with insurers are insurer-consulting products, not a buyer portal.; 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.) | Marsh and MMA describe access to multiple insurers rather than a single issuing carrier for all business. MMA says it works with a wide variety of carriers. Stratus is a prior-submit exchange in which participating insurers evaluate each risk individually; the page does not name those insurers. Marsh’s compensation and transparency pages say Marsh or affiliates may receive insurer consulting compensation and may own equity interests in certain insurers or reinsurers, with a list on the transparency site. Victor, an affiliated MGU and wholesale broker, is described as accessing markets retail Marsh US cannot offer directly; that path is documented for some programs and is not assumed for every placement. Ask for the issuing insurer, surplus-lines status and proposed forms on the quote. [41](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance") [23](https://www.marsh.com/en/industries/technology/expertise/stratus.html "Stratus") [35](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html "Leading the Way in Transparency") [36](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [37](https://affinity.marsh.com/affinity/licensing.html "Licensing") (Evidence: Not publicly disclosed; scope: No verified carrier panel, ratings or admitted-status schedule. Amazon/Affinity producer language is program-specific.; verified: 2026-09-16.) |

## Related Reading

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

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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.

### [Marsh Official Website](https://www.marsh.com/en/home.html)

19. [Marsh | Leader in risk, strategy, people, and investments](https://www.marsh.com/en/home.html). Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
20. [Marsh Risk | Global Leader in Insurance Broking and Risk Management](https://www.marsh.com/risk-home.html). Marsh; Opening advice, analytics and insurance positioning; Our services: consulting, brokerage and claims advocacy; Talk to us sales/RFP inquiry. Accessed 2026-09-16.
21. [Technology | Insurance Broking & Risk Management](https://www.marsh.com/en/industries/technology.html). Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
22. [Data center insurance and risk management](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html). Marsh; Managing data center risk; Closing the gaps in conventional coverage (property, casualty, technology E&O); Derisking power purchase agreement and interconnection obligations; FAQs: What does data center insurance typically cover? (property damage, equipment breakdown, business interruption, cyber, general liability). Accessed 2026-09-16.
23. [Stratus](https://www.marsh.com/en/industries/technology/expertise/stratus.html). Marsh; Operational property insurance exchange for digital infrastructure; up to $10 billion single-placement capacity; prior-submit exchange; Nimbus construction-phase counterpart; launch focused on property. Accessed 2026-09-16.
24. [Fintech Industry Insurance](https://www.marsh.com/en/industries/technology/expertise/fintech-industry-insurance.html). Marsh; Practice positioning for fintech insurance advice; UK-centric client examples; contact CTA. Accessed 2026-09-16.
25. [Cyber Risk](https://www.marsh.com/en/services/cyber-risk.html). Marsh; Practice overview; expertise links including Cyber Insurance and Claims and Incident Management; ransomware FAQ. Accessed 2026-09-16.
26. [Cyber Insurance](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html). Marsh; Opening brokerage positioning; products list including Cyber Pathway, Cyber Accelerate, Claims Advocacy, CyberPort. Accessed 2026-09-16.
27. [Claims Advocacy](https://www.marsh.com/en/services/cyber-risk/expertise/claims-advocacy.html). Marsh; Cyber claims specialists advocating with insurers; review claims, litigation management, proof of loss with forensic accountants. Accessed 2026-09-16.
28. [Claims Management](https://www.marsh.com/en/services/claims-management.html). Marsh; Claims management as advisor between business, insurer and TPA; listed claim types including property, cyber, worker injury, directors liability. Accessed 2026-09-16.
29. [Directors and Officers Liability (D&O)](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html). Marsh; Opening D&O placement for public, private and non-profit companies; US D&O Product Leader listed. Accessed 2026-09-16.
30. [Employment Practices Liability](https://www.marsh.com/en/services/financial-professional-liability/expertise/employment-practices-liability.html). Marsh; What we offer: EPLI placement; Global Leaders Endorsement (>4,000 employees) and Leaders Preferred Endorsement (250–4,000 employees). Accessed 2026-09-16.
31. [Professional liability](https://www.marsh.com/en/services/financial-professional-liability/expertise/professional-liability.html). Marsh; What We Offer: design risk-transfer solutions; specialist industries including technology. Accessed 2026-09-16.
32. [Financial & Professional Liability](https://www.marsh.com/en/services/financial-professional-liability.html). Marsh; Practice introduction for executive insurance advisory; FAQ distinguishing management liability, D&O and EPL. Accessed 2026-09-16.
33. [Contact us inquiries](https://www.marsh.com/en/contact-us/contact-select.html). Marsh; Please select your type of inquiry; sales/RFP card; page metadata legal name Marsh LLC; link to the business inquiry form. Accessed 2026-09-16.
34. [Business inquiries](https://www.marsh.com/en/contact-us/contact-select/business-form.html). Marsh; Please complete this form and a Marsh representative will respond within 48 hours; sales/RFP inquiry; separate path for certificates, policies and billing. Accessed 2026-09-16.
35. [Leading the Way in Transparency](https://www.marsh.com/us/about-marsh/leading-the-way-in-transparency.html). Marsh; Placement process; Marsh LLC and Marsh USA Inc. client agreements; Compensation Guide for US Clients; MarketConnect/Market Match insurer consulting; equity-interest disclosure. Accessed 2026-09-16.
36. [Compensation guide for US clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf). Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
37. [Licensing](https://affinity.marsh.com/affinity/licensing.html). Marsh Affinity; Marsh USA LLC producer license table as of 03/08/2024, including CA 437153. Accessed 2026-09-16.
38. [Marsh McLennan Agency (MMA)](https://www.marsh.com/en/services/marsh-mclennan-agency.html). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
39. [Marsh McLennan Agency | USA Insurance Leaders](https://www.marshmma.com/). Marsh McLennan Agency; Specialists in insurance, employee benefits and retirement; Contact Us. Accessed 2026-09-16.
40. [Who We Are | MMA](https://www.marshmma.com/us/mma/about-us.html). Marsh McLennan Agency; Business of Marsh (NYSE: MRSH); business insurance, employee health & benefits, retirement & wealth, and private client solutions across the US and Canada. Accessed 2026-09-16.
41. [Business Insurance](https://www.marshmma.com/us/services/business-insurance.html). Marsh McLennan Agency; Client-focused solutions including casualty, cyber, executive & professional liability, property, surety, small business, international; works with a wide variety of carriers. Accessed 2026-09-16.
42. [Cyber Insurance | MMA](https://www.marshmma.com/us/solutions/cyber.html). Marsh McLennan Agency; Placement plus claims advocacy as carrier liaison; listed solution areas including cybercrime, ransomware, media liability, privacy regulatory defense. Accessed 2026-09-16.
43. [Expert Executive and Professional Liability Insurance | MMA](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). Marsh McLennan Agency; Executive and Professional Liability introduction; Our policies include (D&O, E&O, EPL, commercial crime/fidelity, cyber, fiduciary, media, IP, kidnap and ransom); D&O, Employment Practices Liability and cyber subsections. Accessed 2026-09-16.
44. [Property Insurance | MMA](https://www.marshmma.com/us/solutions/property.html). Marsh McLennan Agency; Property Insurance introduction; Commercial Property; flood, windstorm, wildfire and earthquake options; Builders’ Risk; claims advocacy; captives and parametric options; Program design expertise. Accessed 2026-09-16.
45. [Comprehensive Casualty Cover | MMA](https://www.marshmma.com/us/solutions/casualty.html). Marsh McLennan Agency; Casualty program introduction; Claims Management; Casualty Coverage: Workers’ Compensation; specialist contact. Accessed 2026-09-16.
46. [Surety Bonds to Mitigate Company Risk | MMA](https://www.marshmma.com/us/solutions/surety.html). Marsh McLennan Agency; Opening: we provide surety bonds; national market representation. Accessed 2026-09-16.
47. [Employee Health & Benefits Group Insurance | MMA](https://www.marshmma.com/us/services/employee-health-and-benefits.html). Marsh McLennan Agency; Opening employee-benefits broker positioning; Our Solutions: benefits consulting and implementation; FAQ on negotiating with carriers and selecting and implementing plans. Accessed 2026-09-16.
48. [Complete 2026 Agency Compensation Guide | MMA](https://www.marshmma.com/us/compensation-guide.html). Marsh McLennan Agency; Landing page for the 2026 MMA Compensation Guide download; premium-finance disclosure. Accessed 2026-09-16.
49. [MARSH USA INC](https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0600-decision-ruling/0100-precedential/intro-disp05047170-ap.cfm). California Department of Insurance; 9 March 2006 precedential decision caption: MARSH USA, INC., dba MARSH RISK AND INSURANCE SERVICES (license #0437153). Accessed 2026-09-16.
50. [License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; Public license number search; no license-detail record returned for 437153. 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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