Foxquilt vs 
StartupInsurance.ai: How Do They Compare for Tech E&O Insurance?
StartupInsurance.ai says it reads customer contracts against Tech E&O wording to catch gaps involving accuracy warranties and uptime promises; this describes a general contract-review task, not terms of a specific placement. Foxquilt lists technology and creative businesses within broader Professional Liability / E&O. 3,5
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
What Is StartupInsurance.ai?
StartupInsurance.ai fits startups, including hardware, robotics and AI companies, that must meet a customer-contract or investor insurance requirement and want a free policy review it says takes 48 hours. Look elsewhere if you need a named AI-failure insurer or a documented claims advocate before you buy. 4,5
What Is Technology Errors and Omissions (E&O) Insurance?
Technology errors and omissions coverage can help pay when a customer claims your software, hosting, installation or technology advice caused financial loss. If you provide tech products or services, check each activity; cyber incidents and unrelated professional work need separate review. 8,9,10,11,12,13,14
Key Differences in Tech E&O Insurance
Contract review and application
StartupInsurance.ai says it compares customer contracts with Tech E&O wording to flag possible gaps involving accuracy warranties and uptime promises; its online intake has a Tech E&O selection. Foxquilt lists technology and creative classes in broader professional E&O and provides a quote path. For a startup negotiating service levels, compare the contract-review task StartupInsurance.ai describes with the class and quote information Foxquilt presents. 5 6 3
Policy scope and carrier
StartupInsurance.ai’s terms identify ContractorNerd as an insurance agency/producer, not an insurance company; the provider’s homepage and intake list the Tech E&O program but do not name its issuing insurer. Foxquilt’s cited overview describes its E&O product and quote path, while the specific carrier and form for a buyer remain quote details. Match the issued forms and contract language before relying on a warranty being insured. 7 5 6 3
What to Confirm in Tech E&O Insurance Quotes
Foxquilt and StartupInsurance.ai 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 reviewsStartupInsurance.ai Review Score
Review Score
No reviews found
StartupInsurance.ai 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.[8][1][6]
Read StartupInsurance.ai reviewsFoxquilt vs StartupInsurance.ai Tech E&O Insurance Compared
Foxquilt vs StartupInsurance.ai: Tech E&O Insurance: documented features by provider
| Criteria | Foxquilt Technology / Creative E&O class | StartupInsurance.ai Technology Errors & Omissions (Tech E&O) Insurance |
|---|---|---|
| Role in This Line | Foxquilt lists technology and creative businesses within its broader Professional Liability / E&O product; a separate technology E&O form is not established. 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. | StartupInsurance.ai's coverage list places "Tech E&O and Professional Liability" as one program line, and ContractorNerd Insurance Services, LLC arranges it as agent/broker of record rather than underwriting it. 5,7Company-reported. Homepage coverage list and ContractorNerd's terms and conditions on its producer role; the page bundles tech E&O with professional liability in this one catalogue entry rather than describing them separately. |
| Issuing Insurer | Confirm in your quote. | The homepage's carrier panel does not identify which panel carrier underwrites tech E&O placements; the reviewed pages do not disclose a specific insurer for this line. 5Not publicly disclosed. Homepage carrier panel; the panel is program-wide, not broken out by coverage line. |
| Who It’s For | Technology and creative are named classes on the broader E&O page; underwriting appetite for any specific technology business is not stated. 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. | Confirm in your quote. |
| Coverage Features | The cited E&O page describes professional-service claims and classifies technology/creative businesses as product audiences; it does not describe a technology-specific coverage grant. 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. | StartupInsurance.ai says most tech E&O forms leave out coverage for accuracy warranties and uptime promises that a startup takes on by signing a customer contract, and that it reads customer contracts against the tech E&O policy before binding to catch that gap. 5Company-reported. Homepage "wording that still says yes" section; describes a general gap the brokerage says it looks for, not the terms of a specific StartupInsurance.ai-placed tech E&O policy. StartupInsurance.ai says one major carrier added a blanket AI exclusion to "D&O, E&O and fiduciary" forms at renewal; the page does not specify whether "E&O" here means technology E&O, professional E&O, or both. 5Company-reported. Homepage "wording that still says yes" section; the E&O reference is ambiguous between the two E&O lines the program sells, so this claim is not conclusively tech-E&O-specific. |
| 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. | Confirm in your quote. |
| Risk Services | Confirm in your quote. | StartupInsurance.ai's free policy check reads a startup's customer contracts against its tech E&O wording, flagging places where the contract promises something (like an accuracy warranty) the policy doesn't cover. 5Company-reported. Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's tech E&O policy. |
| 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. | "Tech Errors & Omissions" is one of seven boxes on StartupInsurance.ai's online quote-intake screen, described there as coverage for "claims from your tech products or services failing." The same screen shows no separate box for general professional liability. 6Company-reported. Initial coverage-selection screen of the quote application; the absence of a distinct professional-liability box shows how the flow packages this line, not that professional liability is unavailable. |
Related Pages for Foxquilt vs StartupInsurance.ai Tech E&O Insurance
Tech E&O Insurance Pages for Foxquilt and StartupInsurance.ai
Other Coverage Lines Compared for Foxquilt vs StartupInsurance.ai
Other Tech E&O Insurance Provider Comparisons
Sources for Foxquilt vs StartupInsurance.ai Tech E&O 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.
- Professional Liability (E&O). 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.
Sources About StartupInsurance.ai
- Company | Startup Insurance. StartupInsurance.ai; The story; founders; The free policy check; legal footer. Accessed 2026-09-16.
- Startup Insurance | Coverage that clears the review. StartupInsurance.ai; Wording that still says yes (accuracy warranties/uptime promises and tech E&O forms; “One major carrier added a blanket AI exclusion to D&O, E&O and fiduciary”); Coverage: What we place; The free policy check. Accessed 2026-09-23.
- Apply for Startup Insurance | StartupInsurance.ai. StartupInsurance.ai; Coverage-selection screen: Tech Errors & Omissions — “Covers claims from your tech products or services failing”. Accessed 2026-09-23.
- Terms and Conditions. ContractorNerd; Section 2, Insurance Services: “ContractorNerd is an insurance agency/insurance producer... not an insurance company, does not underwrite insurance”. Accessed 2026-09-23.
Sources for the Tech E&O Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical. Accessed 2026-09-16.
- Insurance and Bonding Guidelines. Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16.
- Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide). New York State Office of General Services; §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note. Accessed 2026-09-16.
- Technology Errors and Omissions Insurance. The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16.
- DigiTech Enterprise Risk Management. Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. Accessed 2026-09-16.
- Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application. ACE American Insurance Company / Chubb; Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6. Accessed 2026-09-16.
- Cyber Risk for Technology Companies. Travelers; CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services. Accessed 2026-09-16.
