---
title: "Foxquilt vs Marsh: Builders Risk Insurance"
description: "Marsh’s middle-market subsidiary, Marsh McLennan Agency, describes builders-risk concerns including additions, foundations, temporary structures and materials owned by the insured or, on a limited basis, others; Foxquilt describes construction-stage property protection and example loss causes."
canonical: "https://spot.insure/compare/foxquilt-vs-marsh/builders-risk"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "foxquilt-vs-marsh"
provider-a: "foxquilt"
provider-b: "marsh"
coverage-line: "builders-risk"
---

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[Human-readable page](https://spot.insure/compare/foxquilt-vs-marsh/builders-risk)

## Agent Guide

**What this page is:** Focused comparison of Foxquilt and Marsh for Builders Risk Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Builders Risk Insurance questions about Foxquilt versus Marsh. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Foxquilt vs Marsh for Builders Risk Insurance: how do they differ?
- Which is better for Builders Risk Insurance, Foxquilt or Marsh?
- What does Foxquilt or Marsh publish about Builders Risk Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Builders Risk Insurance from Foxquilt or Marsh?

**Key facts:**
- Line: Builders Risk Insurance. Providers: Foxquilt and Marsh.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [Foxquilt vs Marsh](https://spot.insure/compare/foxquilt-vs-marsh) — parent: all coverage lines for this pair
- [Builders Risk Insurance guide](https://spot.insure/coverage/builders-risk) — coverage explainer for this line
- [Foxquilt profile](https://spot.insure/insurance-providers/foxquilt) — provider profile (evidence)
- [Marsh profile](https://spot.insure/insurance-providers/marsh) — provider profile (evidence)
- [Foxquilt vs Marsh Commercial Property Insurance](https://spot.insure/compare/foxquilt-vs-marsh/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Marsh Crime Insurance](https://spot.insure/compare/foxquilt-vs-marsh/crime) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Marsh Cyber Insurance](https://spot.insure/compare/foxquilt-vs-marsh/cyber) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Marsh Professional Liability (E&O) Insurance](https://spot.insure/compare/foxquilt-vs-marsh/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Marsh Tech E&O Insurance](https://spot.insure/compare/foxquilt-vs-marsh/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Marsh Workers’ Compensation Insurance](https://spot.insure/compare/foxquilt-vs-marsh/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Foxquilt Builders Risk Insurance](https://spot.insure/compare/aig-vs-foxquilt/builders-risk) — sibling comparison (other line, or other pair for this line)
- [AIG vs Marsh Builders Risk Insurance](https://spot.insure/compare/aig-vs-marsh/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Foxquilt Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Marsh Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Aon vs Foxquilt Builders Risk Insurance](https://spot.insure/compare/aon-vs-foxquilt/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Aon vs Marsh Builders Risk Insurance](https://spot.insure/compare/aon-vs-marsh/builders-risk) — sibling comparison (other line, or other pair for this line)

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

Marsh’s middle-market subsidiary, Marsh McLennan Agency, describes builders-risk concerns including additions, foundations, temporary structures and materials owned by the insured or, on a limited basis, others; Foxquilt describes construction-stage property protection and example loss causes.

## How to Use the Foxquilt vs Marsh Builders Risk Insurance Comparison

Use this comparison to evaluate Foxquilt and Marsh for Builders Risk Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Foxquilt vs Marsh Builders Risk Insurance Summary

Marsh’s middle-market subsidiary, Marsh McLennan Agency, describes builders-risk concerns including additions, foundations, temporary structures and materials owned by the insured or, on a limited basis, others; Foxquilt describes construction-stage property protection and example loss causes. [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") [8](https://www.marshmma.com/us/solutions/property.html "Property Insurance")

## What Is Foxquilt?

Foxquilt offers several online-marketed small-business lines, but its public pages do not resolve which U.S. entity places each risk or which insurer issues each policy. Compare the specific product, state, terms and named entities before deciding whether the digital route fits your business. [1](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [2](https://www.foxquilt.com/terms-of-use.html "Foxquilt Insurance Services | Terms & Conditions")

[Foxquilt profile](https://spot.insure/insurance-providers/foxquilt)

## What Is Marsh?

Marsh suits technology and larger businesses seeking specialist cyber placement or broad global risk advice; small firms wanting a quick standard quote should compare its MMA route or digital agencies. [4](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [5](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [6](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [7](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management")

[Marsh profile](https://spot.insure/insurance-providers/marsh)

## What Is Builders Risk Insurance?

Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. [9](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf "Builders Risk Coverage Form") [12](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf "Builders Risk Application Tip Sheet")

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

### Project property details

Marsh McLennan Agency describes builders-risk considerations including additions, alterations, foundations, temporary structures and some materials owned by others. Foxquilt’s selected claim describes property protection during construction and example loss causes; Marsh’s property page separately identifies additions, foundations, temporary structures and certain materials. If a project includes off-site or third-party materials, use Marsh McLennan Agency’s list to identify the relevant exposure and ask both providers to show the applicable wording and valuation basis. [8](https://www.marshmma.com/us/solutions/property.html "Property Insurance") [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance")

### Advisory placement

Marsh McLennan Agency routes buyers to a property specialist and describes valuation, hazard assessment, modeling, claims advocacy and risk-control services across its property practice; Foxquilt provides a quote route. This matters when project values or catastrophe exposure need specialist discussion before placement. Ask Marsh McLennan Agency which services apply to builders risk specifically, and ask Foxquilt who reviews values and supports a claim during construction. [8](https://www.marshmma.com/us/solutions/property.html "Property Insurance")  [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance")

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

- How will Marsh McLennan Agency treat foundations, temporary structures and materials owned by others in the proposed builders-risk wording? [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") [8](https://www.marshmma.com/us/solutions/property.html "Property Insurance")
- Who reviews Foxquilt's project valuation, and what claim support is available before handover? [8](https://www.marshmma.com/us/solutions/property.html "Property Insurance") [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance")

## Foxquilt vs Marsh Builders Risk Insurance Compared

| Criteria | Foxquilt Builder’s Risk | Marsh McLennan Agency Builders' Risk Insurance |
| --- | --- | --- |
| Role in This Line | Foxquilt lists a Builder’s Risk product for businesses with construction projects. [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | Marsh McLennan Agency (MMA), Marsh's middle-market subsidiary, places builders' risk insurance as part of its broader property insurance practice, not as a separately branded product. [8](https://www.marshmma.com/us/solutions/property.html "Property Insurance") (Evidence: Company-reported; scope: MMA property insurance page, Builders' Risk subsection..) |
| Issuing Insurer | Confirm in your quote. | The reviewed page does not name a specific builders' risk insurer. [8](https://www.marshmma.com/us/solutions/property.html "Property Insurance") (Evidence: Not publicly disclosed; scope: MMA property insurance page as read on 2026-09-23..) |
| Who It’s For | The page frames the product around businesses undertaking construction projects; it does not establish which project types Foxquilt will quote. [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | Confirm in your quote. |
| Coverage Features | Its public overview describes protection for property during construction and gives examples of construction-stage loss causes. [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | MMA says builders' risk coverage addresses risks unique to a building under construction, including additions and alterations, foundations, temporary structures, and materials and supplies owned by the insured, and on a limited basis, materials and supplies belonging to others. [8](https://www.marshmma.com/us/solutions/property.html "Property Insurance") (Evidence: Company-reported; scope: MMA property insurance page; illustrative description, not a specific policy form..) |
| Limits and Retentions | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) | Confirm in your quote. |
| Risk Services | Confirm in your quote. | MMA says its property practice offers hazard assessment and valuation services, loss and catastrophe modeling, claims advocacy, pre- and post-loss risk control, and program design expertise drawn from its global market experience. [8](https://www.marshmma.com/us/solutions/property.html "Property Insurance") (Evidence: Company-reported; scope: MMA property insurance page, Benefits of Property Insurance and Builders' Risk sections; these services are described for the property practice generally, not exclusively for builders' risk..) |
| How to Apply | The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | You work with an MMA property specialist directly; the page names a National Accounts Property Practice Leader and describes advisor-led placement rather than an online quote. [8](https://www.marshmma.com/us/solutions/property.html "Property Insurance") (Evidence: Company-reported; scope: MMA property insurance page..) |

## Related Pages for Foxquilt vs Marsh Builders Risk Insurance

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

## Sources for Foxquilt vs Marsh Builders Risk Insurance

### Sources About Foxquilt

1. [Commercial General Liability](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html). Foxquilt; “What does CGL cover?”; “Foxquilt’s CGL is built for…”; digital quote/buy and certificates; “Built for North American small business”; limits FAQ; CGL exclusions FAQ. Directly reopened 2026-09-29, lines 53–64, 67–104, 135–215, 244–319.. Accessed 2026-09-29.
2. [Foxquilt Insurance Services | Terms & Conditions](https://www.foxquilt.com/terms-of-use.html). Foxquilt; Sections 1.1–1.2 identify Foxquilt Insurance Services Inc. as service operator; no reviewed Inc.–LLC relationship statement.. Accessed 2026-09-29.
3. [Builder’s Risk Insurance](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html). Foxquilt; Construction-stage description and example causes; intended buyers; project-specific price factors. Reopened 2026-09-29, lines 98–127.. Accessed 2026-09-29.

### Sources About Marsh

4. [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.
5. [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.
6. [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.
7. [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.
8. [Property Insurance](https://www.marshmma.com/us/solutions/property.html). Marsh McLennan Agency; Builders' Risk subsection under Property Insurance: risks unique to a building during construction, including additions and alterations, foundations, temporary structures, materials and supplies; Program design expertise; Benefits of Property Insurance. Accessed 2026-09-23.

### Sources for the Builders Risk Insurance Guide

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

Updated 2026-10-01. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Foxquilt Review Scores for 2026

Review Score: 8.9 / 10 from 3 rated sources, equally weighted.

Customers rate Foxquilt well on Google (4.9 out of 5 from 526 reviews at its Charlotte office) and 3.5 out of 5 on Trustpilot from only 8 reviews. Put together, the Review Score is 8.9 out of 10.

- Trustpilot: TrustScore 3.5/5 (Trustpilot 5-point scale); 8 reviews. Trustpilot's foxquilt.com company profile (Toronto address; broad broker, auto, business and home insurance categories). Reviewer country and product line are not reliably shown, so it is not a US-only or commercial-only sample. Period: profile accessed 2026-09-29. Checked 2026-09-29. [Foxquilt Reviews | Read Customer Service Reviews of foxquilt.com](https://www.trustpilot.com/review/foxquilt.com)
- BBB: BBB business grade A+ (BBB letter grade). Better Business Bureau Serving Central Ontario business profile for Foxquilt at a Toronto address; business-profile grade and reviews/complaints are different data. Not a U.S. policy review. Period: Toronto profile accessed 2026-09-29. Checked 2026-09-29. [Foxquilt | BBB Business Profile](https://www.bbb.org/ca/on/toronto/profile/commercial-insurance-services/foxquilt-0107-1374206); [Foxquilt | BBB Reviews](https://www.bbb.org/ca/on/toronto/profile/commercial-insurance-services/foxquilt-0107-1374206/customer-reviews); [Foxquilt | BBB Complaints](https://www.bbb.org/ca/on/toronto/profile/commercial-insurance-services/foxquilt-0107-1374206/complaints)
- Google (via Birdeye): Google rating 4.9 (out of 5); 526 reviews. Google reviews for Foxquilt Insurance Services LLC, the Charlotte, North Carolina office. Reviews include commercial insurance customers. Period: checked 2026-09-29. Checked 2026-09-29. [Foxquilt Insurance Services LLC reviews | Birdeye](https://reviews.birdeye.com/foxquilt-insurance-services-llc-176273459225651)
- HelloSafe: HelloSafe rating 4.8 (out of 5); 637 reviews. HelloSafe (Canadian comparison site) page on Foxquilt business insurance. Canada-focused, and the source of its reviews is not stated. Period: page accessed 2026-09-29. Checked 2026-09-29. [Foxquilt Business Insurance Review (2026) - HelloSafe](https://hellosafe.ca/en/business-insurance/foxquilt)

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

## Marsh Review Scores for 2026

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).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/foxquilt-vs-marsh/builders-risk.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)
