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. 1,2
Read the Foxquilt Umbrella and Excess Liability Insurance page
What Is Mylo Insurance?
Mylo suits small businesses wanting online quote comparisons or licensed-advisor help; firms needing complex program management should compare full-service brokers. Mylo says 95% of customers pay no fee, though some transactions carry fees. 4,5
What Is Umbrella and Excess Liability Insurance?
Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. 7,8,9,10,11
Key Differences in Umbrella and Excess Liability Insurance
Published limit guidance
Foxquilt suggests umbrella when a business needs more CGL limits but does not publish a limit range or underlying-policy requirements. Mylo says commercial umbrella cannot stand alone and reports most policies add $1 million to $15 million above underlying limits. 3 6
The role of the underlying policy
Mylo says umbrella cannot be bought or used alone and places its typical $1 million–$15 million range above an underlying policy. Foxquilt recommends higher CGL limits but leaves underlying requirements and amounts to the quote. For a buyer with several liability policies, the important distinction is whether the quoted layer must sit over one active primary form or can extend across the needed schedule. 6 3
What to Confirm in Umbrella and Excess Liability Insurance Quotes
Foxquilt and Mylo Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Foxquilt Review Score
Review Score
3 rated sources
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.[12][5][6]
Read Foxquilt reviewsMylo Review Score
Review Score
2 rated sources
Mylo has strong feedback on its Kansas City Birdeye listing, while its tiny Trustpilot sample is negative. Most available feedback mixes personal and business insurance.[4][6][7]
Read Mylo reviewsFoxquilt vs Mylo Umbrella and Excess Liability Insurance Compared
Foxquilt vs Mylo: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | Foxquilt Umbrella Insurance | Mylo Commercial Umbrella Insurance |
|---|---|---|
| Role in This Line | Foxquilt markets Umbrella Insurance; its page distinguishes umbrella from excess and does not establish a separate excess product. 3Company-reported. 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. | Mylo brokers commercial umbrella insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. 6Company-reported. Commercial umbrella product page. |
| Issuing Insurer | Confirm in your quote. | The commercial umbrella product page does not name the insurer that would issue a given business's policy. 6Not publicly disclosed. Checked the commercial umbrella product page on 2026-09-23. |
| Who It’s For | The page recommends considering umbrella when a business needs more CGL limits than its main policy provides; the underlying-policy requirements are not published. 3Company-reported. 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. | Mylo says umbrella coverage may also be needed for businesses operating internationally whose primary policy limits overseas protection, or that have signed a contract with a customer, partner or vendor requiring umbrella coverage. 6Company-reported. Commercial umbrella product page FAQ. |
| Coverage Features | The page describes umbrella as extending protection across multiple existing policies and contrasts excess coverage that extends one portion of insurance. 3Company-reported. 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. | Mylo describes commercial umbrella as extra liability protection that takes over once a business exhausts the limits of its general liability, commercial auto or workers' compensation policies, and says it cannot be purchased or used on its own without an underlying policy in place. 6Company-reported. Commercial umbrella product page; the issued policy and its exclusions control. |
| Limits and Retentions | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 3Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. | Mylo says most commercial umbrella policies pay out between $1 million and $15 million in additional coverage above the underlying policy's limits. 6Company-reported. Commercial umbrella product page FAQ; a general market range, not a quoted limit for any specific business. |
| 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. 3Company-reported. 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. | Mylo says a licensed agent reviews the specific business to give a personalized recommendation on whether umbrella coverage makes sense, and compares quotes from top-rated carriers. 6Company-reported. Commercial umbrella product page "How will Mylo find me the right policy?" section. |
Related Pages for Foxquilt vs Mylo Umbrella and Excess Liability
Umbrella and Excess Liability Insurance Pages for Foxquilt and Mylo
Other Coverage Lines Compared for Foxquilt vs Mylo
Other Umbrella and Excess Liability Insurance Provider Comparisons
Sources for Foxquilt vs Mylo Umbrella and Excess Liability Insurance
Sources About Foxquilt
- Commercial General Liability. 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.
- Foxquilt Insurance Services | Terms & Conditions. Foxquilt; Sections 1.1–1.2 identify Foxquilt Insurance Services Inc. as service operator; no reviewed Inc.–LLC relationship statement. Accessed 2026-09-29.
- Smarter Umbrella Insurance For Your Business. Foxquilt; Current product page calls the product Umbrella Insurance; lines 98–104 describe umbrella vs excess and eligibility; lines 106–121 give illustrative scenarios; lines 127–132 discuss multi-insurer tower as hypothetical purchasing example. Directly inspected 2026-09-29. It supports an umbrella marketing membership, not a separate excess product, actual tower, underlying requirements, policy form or limits. Accessed 2026-09-29.
Sources About Mylo
- Small Business Insurance. Mylo; Hero; What Insurance Does A Small Business Need (Business Owners Policy listing); Get My Quote; Business Insurance FAQs; commercial-product navigation; footer legal disclosure. Accessed 2026-09-16.
- About Mylo. Mylo; Your Digital One-Stop Shop; The Broker Advantage; Proven Heritage, Powerful Future; About Mylo FAQs. Accessed 2026-09-15.
- Commercial Umbrella. Mylo; Rainy days? Try Umbrella coverage; Don't put a limit on your success (example scenarios for general liability, commercial auto and workers' comp); Umbrella coverage FAQs (typical payout range, standalone-use limitation); How will Mylo find me the right policy? Accessed 2026-09-23.
Sources for the Umbrella and Excess Liability Insurance Guide
- Liability Insurance. Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
- Lines of Insurance. California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
- Coverage Hub. Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
- Products. Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16.
