--- title: "Foxquilt vs RiskCube: Crime Insurance" description: "RiskCube positions commercial crime for startups handling client funds or payment data, while Foxquilt highlights small businesses handling cash or employee-held funds." canonical: "https://spot.insure/compare/foxquilt-vs-riskcube/crime" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "foxquilt-vs-riskcube" provider-a: "foxquilt" provider-b: "riskcube" coverage-line: "crime" --- 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-riskcube/crime) ## Agent Guide **What this page is:** Focused comparison of Foxquilt and RiskCube for Crime 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 Crime Insurance questions about Foxquilt versus RiskCube. 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 RiskCube for Crime Insurance: how do they differ? - Which is better for Crime Insurance, Foxquilt or RiskCube? - What does Foxquilt or RiskCube publish about Crime Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Crime Insurance from Foxquilt or RiskCube? **Key facts:** - Line: Crime Insurance. Providers: Foxquilt and RiskCube. - 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 RiskCube](https://spot.insure/compare/foxquilt-vs-riskcube) — parent: all coverage lines for this pair - [Crime Insurance guide](https://spot.insure/coverage/crime) — coverage explainer for this line - [Foxquilt profile](https://spot.insure/insurance-providers/foxquilt) — provider profile (evidence) - [RiskCube profile](https://spot.insure/insurance-providers/riskcube) — provider profile (evidence) - [Foxquilt vs RiskCube Cyber Insurance](https://spot.insure/compare/foxquilt-vs-riskcube/cyber) — sibling comparison (other line, or other pair for this line) - [Foxquilt vs RiskCube General Liability Insurance](https://spot.insure/compare/foxquilt-vs-riskcube/general-liability) — sibling comparison (other line, or other pair for this line) - [Foxquilt vs RiskCube Tech E&O Insurance](https://spot.insure/compare/foxquilt-vs-riskcube/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Foxquilt Crime Insurance](https://spot.insure/compare/aig-vs-foxquilt/crime) — sibling comparison (other line, or other pair for this line) - [AIG vs RiskCube Crime Insurance](https://spot.insure/compare/aig-vs-riskcube/crime) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Foxquilt Crime Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/crime) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs RiskCube Crime Insurance](https://spot.insure/compare/alliance-risk-vs-riskcube/crime) — sibling comparison (other line, or other pair for this line) - [Aon vs Foxquilt Crime Insurance](https://spot.insure/compare/aon-vs-foxquilt/crime) — sibling comparison (other line, or other pair for this line) - [Aon vs RiskCube Crime Insurance](https://spot.insure/compare/aon-vs-riskcube/crime) — sibling comparison (other line, or other pair for this line) # Foxquilt vs RiskCube: How Do They Compare for Crime Insurance? RiskCube positions commercial crime for startups handling client funds or payment data, while Foxquilt highlights small businesses handling cash or employee-held funds. ## How to Use the Foxquilt vs RiskCube Crime Insurance Comparison Use this comparison to evaluate Foxquilt and RiskCube for Crime 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 RiskCube Crime Insurance Summary RiskCube calls commercial crime relevant to startups handling client funds, payment data or distributed teams. Foxquilt highlights small businesses handling cash or employees’ business funds; neither audience statement guarantees underwriting eligibility. [3](https://www.foxquilt.com/businesscoverage/crime.html "Smarter Crime Insurance") [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") ## 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 RiskCube Insurance? RiskCube suits startups that want to compare available quotes from multiple insurers and manage certificates and renewals online; businesses needing a direct carrier relationship or confirmed California eligibility should compare alternatives. [4](https://riskcubeai.com/ "Startup Business Insurance") [5](https://riskcubeai.com/licenses "Licenses & Disclosures") [6](https://riskcubeai.com/disclosures "Disclosures & Compensation") [RiskCube profile](https://spot.insure/insurance-providers/riskcube) ## What Is Crime Insurance? Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions "Crime Non-Financial Applications and Forms") [10](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions") [11](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html "Social Engineering Fraud Insurance") [12](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3 "Commercial Crime Coverage Application") ## What Are the Key Differences Between Foxquilt and RiskCube Crime Insurance? RiskCube names startups handling client funds or payment data, including businesses with distributed teams, as an audience for commercial crime coverage. Foxquilt highlights small businesses that handle cash or have employees handling business funds, while stating that its page does not specify underwriting eligibility. These are marketing audience descriptions, not acceptance rules. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") [3](https://www.foxquilt.com/businesscoverage/crime.html "Smarter Crime Insurance") ### Buyer and funds profile RiskCube’s catalogue pairs its startup audience with client funds, payment data and distributed operations. Foxquilt’s crime page frames its audience around cash and employees who handle business funds. A founder can use those distinctions to prepare a submission describing custody, payment flows and who can access funds, then request an underwriting decision. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") [3](https://www.foxquilt.com/businesscoverage/crime.html "Smarter Crime Insurance") ### Named crime scenarios RiskCube lists employee theft, fraud, forgery and social-engineering attacks. Foxquilt names employee dishonesty, fraud and forgery in a money-and-securities context. The published lists overlap, but they do not establish equivalent definitions or limits; compare the wording for the particular transaction and loss pathway. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") [3](https://www.foxquilt.com/businesscoverage/crime.html "Smarter Crime Insurance") ## What Should You Confirm in Foxquilt and RiskCube Crime Insurance Quotes? - Ask RiskCube how the startup’s client-fund and payment-data profile affects eligibility and which insurer would issue the form. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") [6](https://riskcubeai.com/disclosures "Disclosures & Compensation") - Ask Foxquilt for its employee-theft and social-engineering wording, proposed limits and retention. [3](https://www.foxquilt.com/businesscoverage/crime.html "Smarter Crime Insurance") ## Foxquilt vs RiskCube Crime Insurance Compared | Criteria | Foxquilt Crime Insurance | RiskCube Commercial Crime Insurance | | --- | --- | --- | | Role in This Line | Foxquilt markets Crime Insurance, either as a BOP add-on or as a standalone policy according to its product page. [3](https://www.foxquilt.com/businesscoverage/crime.html "Smarter Crime 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..) | RiskCube brokers commercial crime coverage as one of the lines in its startup insurance catalogue, comparing carrier options rather than underwriting the policy itself. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue coverage-type list and lead paragraph; RiskCube did not publish a separate commercial crime landing page as of 2026-09-23..) | | Issuing Insurer | Confirm in your quote. | RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including commercial crime, are underwritten and issued by third-party carriers it does not name. [6](https://riskcubeai.com/disclosures "Disclosures & Compensation") (Evidence: Company-reported; scope: Company-wide entity and licensing disclosure; no carrier is identified for commercial crime specifically..) | | Who It’s For | The page highlights small businesses that handle cash or have employees handling business funds; it does not specify underwriting eligibility. [3](https://www.foxquilt.com/businesscoverage/crime.html "Smarter Crime 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..) | RiskCube calls commercial crime coverage "essential for startups handling client funds, payment data, or operating with a distributed team." [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue Commercial Crime card..) | | Coverage Features | The page describes money and securities losses from inside or outside theft, including employee dishonesty, fraud and forgery. [3](https://www.foxquilt.com/businesscoverage/crime.html "Smarter Crime 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..) | RiskCube describes commercial crime coverage as protecting a startup against financial losses caused by employee theft, fraud, forgery and social-engineering attacks. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue Commercial Crime card summary..) | | 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/crime.html "Smarter Crime Insurance") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) | RiskCube's catalogue does not publish specific limit or retention amounts for commercial crime. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Not publicly disclosed; scope: Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available to check for a limits table..) | | Risk Services | Confirm in your quote. | The reviewed catalogue page does not describe risk-control or other services specific to commercial crime, such as fidelity-fraud prevention programs. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Not found in reviewed sources; scope: Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available..) | | 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/crime.html "Smarter Crime 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..) | RiskCube describes a roughly 10-minute digital intake followed by its AI agents and licensed brokers comparing top-rated carriers, aiming for vendor-ready proof of coverage in about 24 hours across the coverage types in its catalogue, including commercial crime. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue process section; the timing is a general claim about the catalogue's application flow, not commercial-crime-specific..) | | Claims Support | Confirm in your quote. | The reviewed catalogue page does not describe claims handling specific to commercial crime. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Not found in reviewed sources; scope: Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available..) | ## Related Pages for Foxquilt vs RiskCube Crime Insurance - [Foxquilt vs RiskCube](https://spot.insure/compare/foxquilt-vs-riskcube): all coverage lines, business roles, service and claims. - [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms. - [Foxquilt vs RiskCube Cyber Insurance](https://spot.insure/compare/foxquilt-vs-riskcube/cyber) - [Foxquilt vs RiskCube General Liability Insurance](https://spot.insure/compare/foxquilt-vs-riskcube/general-liability) - [Foxquilt vs RiskCube Tech E&O Insurance](https://spot.insure/compare/foxquilt-vs-riskcube/technology-errors-omissions) - [AIG vs Foxquilt Crime Insurance](https://spot.insure/compare/aig-vs-foxquilt/crime) - [AIG vs RiskCube Crime Insurance](https://spot.insure/compare/aig-vs-riskcube/crime) - [Alliance Risk vs Foxquilt Crime Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/crime) - [Alliance Risk vs RiskCube Crime Insurance](https://spot.insure/compare/alliance-risk-vs-riskcube/crime) - [Aon vs Foxquilt Crime Insurance](https://spot.insure/compare/aon-vs-foxquilt/crime) - [Aon vs RiskCube Crime Insurance](https://spot.insure/compare/aon-vs-riskcube/crime) ## Sources for Foxquilt vs RiskCube Crime 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. [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. ### Sources About RiskCube 4. [Startup Business Insurance](https://riskcubeai.com/). RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16. 5. [Licenses & Disclosures](https://riskcubeai.com/licenses). RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16. 6. [Disclosures & Compensation](https://riskcubeai.com/disclosures). RiskCube; Section 1, Entity and Licensing Disclosure: "RiskCube is not an insurance carrier and does not underwrite insurance. Insurance coverage is offered, underwritten, and issued by third-party insurance carriers". Accessed 2026-09-23. 7. [Startup Insurance Coverage](https://riskcubeai.com/insurance). RiskCube; Commercial Crime card: "Protects your startup from financial losses caused by employee theft, fraud, forgery, and social engineering attacks. Essential for startups handling client funds, payment data, or operating with a distributed team"; catalogue intro and process steps. Accessed 2026-09-23. ### Sources for the Crime Insurance Guide 8. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16. 9. [Crime Non-Financial Applications and Forms](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions). Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16. 10. [Crime Terms and Conditions](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f). The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16. 11. [Social Engineering Fraud Insurance](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html). Chubb; Opening; coverage highlights. Accessed 2026-09-16. 12. [Commercial Crime Coverage Application](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3). Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. 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). ## RiskCube Review Scores for 2026 Review Score: not enough ratings. RiskCube has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/riskcube/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/foxquilt-vs-riskcube/crime.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)