--- title: "Foxquilt vs Risklytics: Cyber Insurance" description: "Risklytics says enterprise contracts commonly request $1 million or more in cyber limits; Foxquilt names breach and ransomware events." canonical: "https://spot.insure/compare/foxquilt-vs-risklytics/cyber" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "foxquilt-vs-risklytics" provider-a: "foxquilt" provider-b: "risklytics" coverage-line: "cyber" --- 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-risklytics/cyber) ## Agent Guide **What this page is:** Focused comparison of Foxquilt and Risklytics for Cyber 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 Cyber Insurance questions about Foxquilt versus Risklytics. 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 Risklytics for Cyber Insurance: how do they differ? - Which is better for Cyber Insurance, Foxquilt or Risklytics? - What does Foxquilt or Risklytics publish about Cyber Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Cyber Insurance from Foxquilt or Risklytics? **Key facts:** - Line: Cyber Insurance. Providers: Foxquilt and Risklytics. - 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 Risklytics](https://spot.insure/compare/foxquilt-vs-risklytics) — parent: all coverage lines for this pair - [Cyber Insurance guide](https://spot.insure/coverage/cyber) — coverage explainer for this line - [Foxquilt profile](https://spot.insure/insurance-providers/foxquilt) — provider profile (evidence) - [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile (evidence) - [Foxquilt vs Risklytics Commercial Property Insurance](https://spot.insure/compare/foxquilt-vs-risklytics/commercial-property) — sibling comparison (other line, or other pair for this line) - [Foxquilt vs Risklytics General Liability Insurance](https://spot.insure/compare/foxquilt-vs-risklytics/general-liability) — sibling comparison (other line, or other pair for this line) - [Foxquilt vs Risklytics Inland Marine Insurance](https://spot.insure/compare/foxquilt-vs-risklytics/inland-marine) — sibling comparison (other line, or other pair for this line) - [Foxquilt vs Risklytics Tech E&O Insurance](https://spot.insure/compare/foxquilt-vs-risklytics/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Foxquilt vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/foxquilt-vs-risklytics/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Foxquilt vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/foxquilt-vs-risklytics/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Foxquilt Cyber Insurance](https://spot.insure/compare/aig-vs-foxquilt/cyber) — sibling comparison (other line, or other pair for this line) - [AIG vs Risklytics Cyber Insurance](https://spot.insure/compare/aig-vs-risklytics/cyber) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Foxquilt Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/cyber) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Risklytics Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/cyber) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Foxquilt Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-foxquilt/cyber) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Risklytics Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/cyber) — sibling comparison (other line, or other pair for this line) # Foxquilt vs Risklytics: How Do They Compare for Cyber Insurance? Risklytics says enterprise contracts commonly request $1 million or more in cyber limits; Foxquilt names breach and ransomware events. ## How to Use the Foxquilt vs Risklytics Cyber Insurance Comparison Use this comparison to evaluate Foxquilt and Risklytics for Cyber 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 Risklytics Cyber Insurance Summary Risklytics says enterprise contracts commonly request cyber limits of $1 million or more, a contract requirement rather than a published policy limit. Foxquilt’s overview names breaches and ransomware as events without identifying insured cost categories. [3](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance") [7](https://www.risklytics.ai/lines/cyber/ "Cyber Liability 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 Risklytics Insurance? Risklytics suits robotics, autonomy and AI businesses that want help preparing an application and checking Tech E&O wording for AI exclusions; standard small businesses should compare generalist agencies. California eligibility is not established in its public materials. [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") [5](https://www.risklytics.ai/ "Insurance for Frontier Tech") [6](https://www.risklytics.ai/terms/ "Terms of Service") [Risklytics profile](https://spot.insure/insurance-providers/risklytics) ## What Is Cyber Insurance? Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. [9](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance") [10](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf "CyberEdge specimen policy") ## What Are the Key Differences Between Foxquilt and Risklytics Cyber Insurance? ### Coverage Structure and Buyer Fit A company approaching enterprise contracts may encounter a cyber limit requirement: Risklytics says $1 million or more is a typical ask. Foxquilt names breach and ransomware exposures, while the Risklytics page distinguishes a typical contract request from a policy limit. A buyer should compare the quoted limit against the customer contract rather than treating the $1 million figure as a policy limit. [7](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") [3](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance") ### Placement Details That Affect the Quote Risklytics says cyber responds to breach cleanup and notifications after a hack or data leak, but not a model’s bad output without a breach. Foxquilt names breach and ransomware events without defining triggers. For AI vendors, the distinction makes wording decisive: ask whether an incident must involve a breach and how model-related data exposure is treated. [7](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") [3](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance") ## What Should You Confirm in Foxquilt and Risklytics Cyber Insurance Quotes? - Ask Risklytics how the typical $1 million contract request maps to the limit available for this risk; ask Foxquilt to state the actual per-claim and aggregate limits in its proposal. ## Foxquilt vs Risklytics Cyber Insurance Compared | Criteria | Foxquilt Cyber Insurance | Risklytics Cyber Liability Insurance | | --- | --- | --- | | Role in This Line | Foxquilt markets a Cyber Insurance product for businesses. [3](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business 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..) | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Cyber Liability Insurance with outside carriers; it says it does not underwrite policies itself. [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: About page; describes Risklytics' brokerage model generally, restated for this line..) | | Issuing Insurer | Confirm in your quote. | Risklytics does not name the carrier that underwrites Risklytics Cyber Liability Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. [7](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Lines page and about page; no specific insurer is published for this line..) | | Who It’s For | The page discusses businesses exposed to cyber events and sensitive information; it does not publish a full appetite or industry eligibility list. [3](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business 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..) | Risklytics says companies typically need this coverage the first time they hold customer data in production, and that enterprise and government contracts require it once a vendor touches their data. [7](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Lines page..) | | Coverage Features | Its product summary describes cyber-event exposures such as data breaches and ransomware; it does not identify the insured costs or policy triggers for a particular quote. [3](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business 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..) | Risklytics describes Cyber Liability as paying for breach cleanup, legally required notifications, and the claims that follow a hack or data leak, such as a ransomware attack or exfiltrated customer records, and says it does not respond to a model giving bad output with no breach involved. [7](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) | | 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/cyber-insurance.html "Cyber Business Insurance") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) | Risklytics lists a typical ask of $1 million or more in enterprise contracts for this line. [7](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Lines page; actual limits are set on the bound policy..) | | Risk Services | Confirm in your quote. | Risklytics calls cyber the easiest line for its clients to get with reasonable security basics in place, and says whether a prompt-injection attack or a model leaking data is covered depends on policy wording it reads before binding. [7](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Lines page..) | | 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/cyber-insurance.html "Cyber Business 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 start Risklytics Cyber Liability Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. [8](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Pricing page describes the general application and fee process, not a line-specific form..) | ## Related Pages for Foxquilt vs Risklytics Cyber Insurance - [Foxquilt vs Risklytics](https://spot.insure/compare/foxquilt-vs-risklytics): all coverage lines, business roles, service and claims. - [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks. - [Foxquilt vs Risklytics Commercial Property Insurance](https://spot.insure/compare/foxquilt-vs-risklytics/commercial-property) - [Foxquilt vs Risklytics General Liability Insurance](https://spot.insure/compare/foxquilt-vs-risklytics/general-liability) - [Foxquilt vs Risklytics Inland Marine Insurance](https://spot.insure/compare/foxquilt-vs-risklytics/inland-marine) - [Foxquilt vs Risklytics Tech E&O Insurance](https://spot.insure/compare/foxquilt-vs-risklytics/technology-errors-omissions) - [Foxquilt vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/foxquilt-vs-risklytics/umbrella-excess) - [Foxquilt vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/foxquilt-vs-risklytics/workers-compensation) - [AIG vs Foxquilt Cyber Insurance](https://spot.insure/compare/aig-vs-foxquilt/cyber) - [AIG vs Risklytics Cyber Insurance](https://spot.insure/compare/aig-vs-risklytics/cyber) - [Alliance Risk vs Foxquilt Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/cyber) - [Alliance Risk vs Risklytics Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/cyber) - [Amelia Risk vs Foxquilt Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-foxquilt/cyber) - [Amelia Risk vs Risklytics Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/cyber) ## Sources for Foxquilt vs Risklytics Cyber 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. [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. ### Sources About Risklytics 4. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23. 5. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16. 6. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16. 7. [Cyber Liability Insurance](https://www.risklytics.ai/lines/cyber/). Risklytics; Coverage line: Cyber Liability; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23. 8. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23. ### Sources for the Cyber Insurance Guide 9. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16. 10. [CyberEdge specimen policy](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf). AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. 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). ## Risklytics Review Scores for 2026 Review Score: not enough ratings. Risklytics 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/risklytics/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/foxquilt-vs-risklytics/cyber.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)