---
title: "Foxquilt vs Techinsurance"
description: "Compare Techinsurance’s documented business and service route with Foxquilt’s small-business insurance options, including what to verify in quotes."
canonical: "https://spot.insure/compare/foxquilt-vs-techinsurance"
page-type: "provider-comparison"
updated-at: "2026-09-30"
---

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-techinsurance)

# Foxquilt vs Techinsurance

Compare Techinsurance’s documented business and service route with Foxquilt’s small-business insurance options, including what to verify in quotes.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Highlights

Foxquilt describes a small-business insurance platform with online purchasing for selected products; Techinsurance small businesses can use techinsurance to compare quotes and work with agents; it operates as an agency and brokerage. its legal disclosure identifies it as a division of specialty program group llc, doing business in california as spg insurance solutions. Compare the service and submission routes, then confirm the product, insurer and terms available for your business. [1](https://www.foxquilt.com/ "Commercial Insurance, Business Liability Coverage | Foxquilt") [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [21](https://www.techinsurance.com/contact-us "Contact Us") [20](https://www.techinsurance.com/about-us "About TechInsurance")

## Provider Reliability Assessments

These sourced assessments are shown for context; this comparison does not select a winner.

### Foxquilt

Role: Managing general agent.

Carrier & MGA Spot Score: **No Spot Score**. Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Identity and Authority (The supplied evidence did not support a score for Identity and Authority; this factor is excluded, not scored as zero. Canonical evidence gaps: No licence for Foxquilt Insurance Services Inc. (Ontario/FSRA or other provinces) was verified. FSRA data returned a 403 and the corporate licence search could not be opened.; No US state producer or MGA licence lookup was completed for Foxquilt Insurance Services LLC. The North Carolina Secretary of State page returned a 403.; The insurer that issues Foxquilt policies in the US and Canada is not named on any page we opened. A trade article seen in search results said the new E&O uses Markel's City National Insurance Company, but that page needed a login and the other articles did not say it.; Greenlight Innovation Syndicate 3456 is being approved as a full Lloyd's syndicate from 2027. Its syndicate-level rating was not found.; Claims turnaround, complaint outcomes and Canadian provincial complaint data (for example OmbudService) were not researched.; Your policy documents show which insurer actually issues your policy. The A ratings above apply only if it is one of the two Markel insurers named here.); Financial Resilience (The supplied evidence did not support a score for Financial Resilience; this factor is excluded, not scored as zero. Canonical evidence gaps: No licence for Foxquilt Insurance Services Inc. (Ontario/FSRA or other provinces) was verified. FSRA data returned a 403 and the corporate licence search could not be opened.; No US state producer or MGA licence lookup was completed for Foxquilt Insurance Services LLC. The North Carolina Secretary of State page returned a 403.; The insurer that issues Foxquilt policies in the US and Canada is not named on any page we opened. A trade article seen in search results said the new E&O uses Markel's City National Insurance Company, but that page needed a login and the other articles did not say it.; Greenlight Innovation Syndicate 3456 is being approved as a full Lloyd's syndicate from 2027. Its syndicate-level rating was not found.; Claims turnaround, complaint outcomes and Canadian provincial complaint data (for example OmbudService) were not researched.; Your policy documents show which insurer actually issues your policy. The A ratings above apply only if it is one of the two Markel insurers named here.); Claims and Servicing (The supplied evidence did not support a score for Claims and Servicing; this factor is excluded, not scored as zero. Canonical evidence gaps: No licence for Foxquilt Insurance Services Inc. (Ontario/FSRA or other provinces) was verified. FSRA data returned a 403 and the corporate licence search could not be opened.; No US state producer or MGA licence lookup was completed for Foxquilt Insurance Services LLC. The North Carolina Secretary of State page returned a 403.; The insurer that issues Foxquilt policies in the US and Canada is not named on any page we opened. A trade article seen in search results said the new E&O uses Markel's City National Insurance Company, but that page needed a login and the other articles did not say it.; Greenlight Innovation Syndicate 3456 is being approved as a full Lloyd's syndicate from 2027. Its syndicate-level rating was not found.; Claims turnaround, complaint outcomes and Canadian provincial complaint data (for example OmbudService) were not researched.; Your policy documents show which insurer actually issues your policy. The A ratings above apply only if it is one of the two Markel insurers named here.); Regulatory Conduct (The supplied evidence did not support a score for Regulatory Conduct; this factor is excluded, not scored as zero. Canonical evidence gaps: No licence for Foxquilt Insurance Services Inc. (Ontario/FSRA or other provinces) was verified. FSRA data returned a 403 and the corporate licence search could not be opened.; No US state producer or MGA licence lookup was completed for Foxquilt Insurance Services LLC. The North Carolina Secretary of State page returned a 403.; The insurer that issues Foxquilt policies in the US and Canada is not named on any page we opened. A trade article seen in search results said the new E&O uses Markel's City National Insurance Company, but that page needed a login and the other articles did not say it.; Greenlight Innovation Syndicate 3456 is being approved as a full Lloyd's syndicate from 2027. Its syndicate-level rating was not found.; Claims turnaround, complaint outcomes and Canadian provincial complaint data (for example OmbudService) were not researched.; Your policy documents show which insurer actually issues your policy. The A ratings above apply only if it is one of the two Markel insurers named here.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/foxquilt/reliability).

### TechInsurance

Role: Broker.

Broker Spot Score: **5.0/10** (partial score; 30% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.); Disclosure Clarity (The available disclosures do not sufficiently establish the relevant entity, product and responsibility boundaries.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/techinsurance/reliability).

## Foxquilt Reviews

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).

## TechInsurance Reviews

Review Score: 9.1 / 10 from 2 rated sources, equally weighted.

TechInsurance’s available ratings are favorable, with praise for broker guidance. The feedback supports its shopping service more than any particular insurer’s claims handling.

- Trustpilot: Trustpilot TrustScore 4.4 (5 stars); 311 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for TechInsurance](https://uk.trustpilot.com/review/techinsurance.com)
- ConsumerAffairs: ConsumerAffairs consumer rating 4.7 (5 stars); 25 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-08-14; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for TechInsurance](https://www.consumeraffairs.com/insurance/techinsurance.html)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/techinsurance/reviews).

## Introduction

If you want an online starting point for selected small-business policies, Foxquilt describes online quote and purchase options. Techinsurance Small businesses can use TechInsurance to compare quotes and work with agents; it operates as an agency and brokerage. Its legal disclosure identifies it as a division of Specialty Program Group LLC, doing business in California as SPG Insurance Solutions. The distinction matters when deciding whether to begin with an online product flow or work through the Techinsurance route; ask who will prepare the submission and support changes after binding. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [20](https://www.techinsurance.com/about-us "About TechInsurance")



## Coverage Comparison

| Coverage Type | Foxquilt | TechInsurance |
| --- | --- | --- |
| [Builders risk](https://spot.insure/coverage/builders-risk) | Listed: Builder’s risk product page; policy-specific construction terms not established. [11](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") | Not listed |
| [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Listed: Foxquilt’s About page lists Business Owner’s Policy among “Our Primary Coverages”; no current BOP-specific terms or bundled contents are established here. [2](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") | Listed: TechInsurance arranges business owner’s policies for small businesses. [24](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed: Commercial auto product page; HNOA is not split out. [8](https://www.foxquilt.com/businesscoverage/commercial-auto.html "Commercial Auto Insurance") | Listed: TechInsurance arranges commercial auto insurance for small businesses. [19](https://www.techinsurance.com/ "Technology Business Insurance") |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Listed: Commercial property product page. [10](https://www.foxquilt.com/businesscoverage/commercial-property.html "Commercial Property Insurance") | Listed: TechInsurance arranges commercial property insurance for small businesses. [24](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| [Crime](https://spot.insure/coverage/crime) | Listed: Foxquilt has a Crime Insurance product page, which says crime can be a BOP add-on or an isolated policy; the ConvertLabs cleaner program also lists Crime/Bonds but describes crime only. No bond product is inferred. [17](https://www.foxquilt.com/businesscoverage/crime.html "Smarter Crime Insurance") [18](https://www.foxquilt.com/businesscoverage/ConvertLabs.html "Cleaner Insurance Program by Foxquilt") | Not listed |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed: Cyber product page; policy terms and limits not established. [9](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance") | Listed: TechInsurance arranges cyber insurance for small businesses. [24](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Not listed | Listed: TechInsurance arranges directors and officers liability insurance for small businesses. [24](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Not listed | Listed: TechInsurance arranges employment practices liability insurance for small businesses. [24](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| [Fidelity bonds](https://spot.insure/coverage/fidelity-bonds) | Not listed | Listed: TechInsurance arranges fidelity bonds addressing employee theft from clients. [24](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| [General liability](https://spot.insure/coverage/general-liability) | Listed: Company CGL product page; line-specific CGL membership only. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [3](https://www.foxquilt.com/agent-broker-partner.html "Become a Foxquilt Agent/Broker Partner") | Listed: TechInsurance arranges general liability insurance for small businesses. [24](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| [Hired and non-owned auto](https://spot.insure/coverage/hired-non-owned-auto) | Listed: Advertised as a Hired & non-owned feature beneath Foxquilt’s Commercial Auto card; no distinct HNOA policy or terms established. [4](https://www.foxquilt.com/businesscoverage.html "Other Coverages") | Not listed |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: Professional E&O product page. [6](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") | Listed: TechInsurance arranges professional errors and omissions insurance for small businesses. [24](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Not listed | Listed: TechInsurance arranges surety bonds for small businesses. [21](https://www.techinsurance.com/contact-us "Contact Us") |
| [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Listed: Technology/creative class within broader E&O; no separate technology form established. [6](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") | Listed: TechInsurance arranges technology errors and omissions and cyber coverage for technology businesses. [25](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") |
| [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Listed: Foxquilt lists Inland Marine among primary coverages; the ConvertLabs cleaner program describes limited mobile-equipment coverage (also called Inland Marine) commonly used by janitorial providers. This does not establish broad standalone inland-marine terms. [2](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [18](https://www.foxquilt.com/businesscoverage/ConvertLabs.html "Cleaner Insurance Program by Foxquilt") | Listed: TechInsurance arranges inland marine coverage for contractors’ tools and equipment. [26](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners") |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed: Foxquilt lists Umbrella/Excess in its primary-coverages list and has a current Umbrella Insurance page that distinguishes umbrella from excess. Membership is for marketed umbrella only; a separate excess product is not established. [2](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [16](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") | Listed: TechInsurance arranges commercial umbrella insurance for small businesses. [24](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed: Workers’ compensation page; state requirements vary. [7](https://www.foxquilt.com/businesscoverage/workers-compensation.html "Workers’ Compensation Insurance") | Listed: TechInsurance arranges workers’ compensation insurance for small businesses. [24](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.



## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## Which Businesses Each Route Describes

Foxquilt’s stated customer focus is: Foxquilt says it serves small and midsize businesses and business-to-business networks. Its current CGL and E&O pages name contractors, e-commerce, personal services, consultants, technology and creative professionals, licensed professionals, and beauty and health services as target examples; listed classes are not guarantees of eligibility. Techinsurance describes its audience this way: TechInsurance markets to small businesses, including startups and freelancers, with a technology focus spanning software developers, SaaS companies, IT consultants and managed service providers. Its catalogue also serves traditional industries. Treat these as documented market focus, not a promise that a specific applicant qualifies. Before comparing quotes, give both routes the same business description, revenue, locations, operations and contract requirements. [2](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [26](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners")

## Compare The Products You Actually Need

Foxquilt documents Foxquilt has current product-specific pages for commercial general liability, professional E&O, workers’ compensation, commercial auto, cyber, commercial property, builders risk, umbrella and crime. The About page separately lists Business Owner’s Policy, Umbrella/Excess and Inland Marine among “Our Primary Coverages”; its umbrella page describes umbrella and distinguishes it from excess. A cleaner-program page describes limited mobile-equipment (inland marine) and crime coverage and uses a Crime/Bonds label without bond terms. The E&O page includes technology and creative professions within broader E&O; the reviewed material does not establish a separate technology E&O form. Techinsurance documents TechInsurance markets technology errors and omissions coverage as a bundle of E&O and cyber liability insurance. Confirm the actual forms and whether the offered cyber protection addresses both the company’s own losses and liability to clients. The catalogues can differ in breadth and product scope; both records list general liability, technology errors omissions, professional errors omissions, while Techinsurance also lists employment practices, directors officers, fidelity bonds, surety bonds in its current coverage record. A shared line name does not mean the policies use the same form or cover the same exposures. Ask for the proposed insurer, policy form, limits, retentions, exclusions and endorsements for each requested line. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [25](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance")

## Application And Support

Foxquilt’s product pages describe an online route for selected CGL and E&O policies, with assistance available. Techinsurance describes this application route: TechInsurance describes a single application for comparing multiple insurance quotes, followed by policy purchase and online coverage management, with licensed-agent guidance available. This difference can change who prepares the submission and supports you before binding. Ask whether you can finish the application online, whether a broker or agent must submit it, what information is needed, and who confirms binding and the effective date. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [20](https://www.techinsurance.com/about-us "About TechInsurance")

## Confirm The Insurer And Compensation

Foxquilt’s insurer disclosure says Foxquilt’s product pages display Markel, Greenlight Re and Lloyd’s-related marks under “Backed by industry leaders.” The reviewed pages do not map those names to the insurer, reinsurer, coverholder, or delegated authority for a particular U.S. product, state or policy; confirm the insurer and producer on the quote and policy documents. Techinsurance reports TechInsurance names insurance partners including The Hartford, Hiscox, Chubb and Travelers. These are examples of marketed relationships, not the identified contracting insurer for a quote; ask for the exact issuing entity and its California placement route. These disclosures do not identify the insurer on your individual policy. Request the issuing company and producer details for each quote, plus a written breakdown of premium, fees and broker compensation. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [26](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners")

## Service After Purchase

Foxquilt describes servicing as follows: Foxquilt says CGL and E&O policy documents and certificates are emailed after purchase and describes digital account tools. For agents and brokers, Foxquilt advertises digital endorsement and cancellation management and change requests in Foxden; this does not establish who has contractual authority or the processing terms for a particular policy. The public material reviewed does not establish policy-specific renewal handling, endorsement authority, cancellation process or service-level guarantees. Techinsurance describes this service route: TechInsurance says it provides a dedicated account manager and online certificate access. Its instructions require an active policy for a certificate request and direct urgent requests to the account manager. Ask who handles routine certificates, policy changes, renewal discussions and claims notices for your account, and whether that contact is the broker, insurer or another administrator. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [19](https://www.techinsurance.com/ "Technology Business Insurance")

## Compare Services

What each provider documents about the services you may need.

| Criteria | Foxquilt | TechInsurance |
| --- | --- | --- |
| Business role | Foxquilt markets a North American small-business insurance platform and describes licensed-broker services. Its terms name Foxquilt Insurance Services Inc. as the website, products and services operator. Its agent page calls Foxquilt a ‘North American Carrier’ and reports admitted CGL paper in 42 U.S. states and seven Canadian provinces, but names no license-holding entity or license identifier there. The reviewed sources do not map the Inc. or the separately listed Foxquilt Insurance Services LLC to a particular U.S. placement, delegated authority or issuing insurer, so the brand’s U.S. regulated role remains unresolved. [1](https://www.foxquilt.com/ "Commercial Insurance, Business Liability Coverage | Foxquilt") [12](https://www.foxquilt.com/terms-of-use.html "Foxquilt Insurance Services | Terms & Conditions") [13](https://www.foxquilt.com/privacy-policy.html "Foxquilt Insurance Services | Consumer & Privacy Info") [3](https://www.foxquilt.com/agent-broker-partner.html "Become a Foxquilt Agent/Broker Partner") [14](https://my.westfieldinsurance.com/AgentLocator/AgencyDetailEntry.aspx?AgencyId=7480 "Agency Detail: Foxquilt Insurance Services LLC") (Evidence: Company-reported; scope: Foxquilt brand and the separately named Inc. and LLC; company disclosures accessed through 2026-09-29. License wording is provider-published and was not independently regulator-verified; no exact license identifiers were found in the inspected provider disclosures.; verified: 2026-09-29.) | Small businesses can use TechInsurance to compare quotes and work with agents; it operates as an agency and brokerage. Its legal disclosure identifies it as a division of Specialty Program Group LLC, doing business in California as SPG Insurance Solutions. [21](https://www.techinsurance.com/contact-us "Contact Us") [27](https://www.techinsurance.com/legal/compensation-disclosure "Compensation Disclosure Notice") [28](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Brand and disclosed producer entity; company sources, not independent regulatory verification.; verified: 2026-09-16.)<br><br>TechInsurance describes itself as part of Insureon and HUB International. Its history says HUB acquired Insureon’s digital agency in 2022 while Bold Penguin acquired the technology platform; HUB’s acquisition announcement placed the agency operations within Specialty Program Group. [20](https://www.techinsurance.com/about-us "About TechInsurance") [21](https://www.techinsurance.com/contact-us "Contact Us") [30](https://www.hubinternational.com/en-CA/media-center/press-releases/2022/03/hub-international-and-bold-penguin-to-acquire-insureon/ "Hub International and Bold Penguin to Acquire Insureon") (Evidence: Company-reported; scope: Current company relationship descriptions plus historical acquisition announcement; does not make HUB or Bold Penguin the policy insurer.; verified: 2026-09-16.) |
| Customer focus | Foxquilt says it serves small and midsize businesses and business-to-business networks. Its current CGL and E&O pages name contractors, e-commerce, personal services, consultants, technology and creative professionals, licensed professionals, and beauty and health services as target examples; listed classes are not guarantees of eligibility. [2](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [6](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") (Evidence: Company-reported; scope: Company-described North American small-business audience and example product classes; actual appetite depends on product, class, state and underwriting.; verified: 2026-09-29.) | TechInsurance markets to small businesses, including startups and freelancers, with a technology focus spanning software developers, SaaS companies, IT consultants and managed service providers. Its catalogue also serves traditional industries. [26](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners") [25](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") (Evidence: Company-reported; scope: Marketed customer groups, not acceptance criteria or proof of growth-stage capacity.; verified: 2026-09-16.) |
| Coverage lines | Foxquilt has current product-specific pages for commercial general liability, professional E&O, workers’ compensation, commercial auto, cyber, commercial property, builders risk, umbrella and crime. The About page separately lists Business Owner’s Policy, Umbrella/Excess and Inland Marine among “Our Primary Coverages”; its umbrella page describes umbrella and distinguishes it from excess. A cleaner-program page describes limited mobile-equipment (inland marine) and crime coverage and uses a Crime/Bonds label without bond terms. The E&O page includes technology and creative professions within broader E&O; the reviewed material does not establish a separate technology E&O form. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [6](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") [7](https://www.foxquilt.com/businesscoverage/workers-compensation.html "Workers’ Compensation Insurance") [8](https://www.foxquilt.com/businesscoverage/commercial-auto.html "Commercial Auto Insurance") [9](https://www.foxquilt.com/businesscoverage/cyber-insurance.html "Cyber Business Insurance") [10](https://www.foxquilt.com/businesscoverage/commercial-property.html "Commercial Property Insurance") [11](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") [2](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [16](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html "Smarter Umbrella Insurance For Your Business") [17](https://www.foxquilt.com/businesscoverage/crime.html "Smarter Crime Insurance") [18](https://www.foxquilt.com/businesscoverage/ConvertLabs.html "Cleaner Insurance Program by Foxquilt") (Evidence: Company-reported; scope: Current Foxquilt pages inspected 2026-09-29. These are marketed coverage memberships, not a conclusion that detailed policy terms are adequate for comparison. Product scope differs between standalone pages, a primary-coverages list, subfeatures and the ConvertLabs cleaner program; quote and policy determine actual terms, jurisdiction, issuer and eligibility.; verified: 2026-09-29.) | TechInsurance markets technology errors and omissions coverage as a bundle of E&O and cyber liability insurance. Confirm the actual forms and whether the offered cyber protection addresses both the company’s own losses and liability to clients. [25](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") (Evidence: Company-reported; scope: Direct technology E&O product page with quotation route; marketing description does not establish every carrier’s policy structure.; verified: 2026-09-16.)<br><br>Its marketed catalogue includes general liability, professional E&O, cyber, workers’ compensation, business owner’s policies, commercial property, commercial auto, umbrella, directors and officers, employment practices liability, and fidelity bonds. It also lists contractors’ tools and equipment coverage and offers agent assistance with surety bonds. [24](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") [19](https://www.techinsurance.com/ "Technology Business Insurance") [26](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners") [21](https://www.techinsurance.com/contact-us "Contact Us") (Evidence: Company-reported; scope: Direct sales catalogue and explicit agent service. Tools/equipment mapped to the shared inland-marine key; no claim of all inland-marine products.; verified: 2026-09-16.) |
| Application process | Foxquilt says customers can request and buy CGL and E&O online, with team assistance available, and receive documents after purchase. Its screens show example businesses, sample limits and prices; these are company illustrations, not quotes tested for a buyer or evidence that every risk can bind online. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [6](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") [1](https://www.foxquilt.com/ "Commercial Insurance, Business Liability Coverage | Foxquilt") (Evidence: Company-reported; scope: Company-reported CGL and E&O purchase workflow; no form was submitted and no quote or purchase was completed in this research.; verified: 2026-09-29.) | TechInsurance describes a single application for comparing multiple insurance quotes, followed by policy purchase and online coverage management, with licensed-agent guidance available. [20](https://www.techinsurance.com/about-us "About TechInsurance") (Evidence: Company-reported; scope: Public application description; no application submitted or quote obtained.; verified: 2026-09-16.)<br><br>TechInsurance’s account instructions warn that quotes may take time to appear after an application is submitted; an application is not confirmation of bound coverage. [21](https://www.techinsurance.com/contact-us "Contact Us") (Evidence: Company-reported; scope: Public quote-account instructions; no universal turnaround time established.; verified: 2026-09-16.) |
| Servicing and renewals | Foxquilt says CGL and E&O policy documents and certificates are emailed after purchase and describes digital account tools. For agents and brokers, Foxquilt advertises digital endorsement and cancellation management and change requests in Foxden; this does not establish who has contractual authority or the processing terms for a particular policy. The public material reviewed does not establish policy-specific renewal handling, endorsement authority, cancellation process or service-level guarantees. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [6](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") [2](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") [3](https://www.foxquilt.com/agent-broker-partner.html "Become a Foxquilt Agent/Broker Partner") (Evidence: Company-reported; scope: Company-reported buyer servicing statements and agent/broker portal marketing; no account access or live service interaction tested.; verified: 2026-09-29.) | TechInsurance says it provides a dedicated account manager and online certificate access. Its instructions require an active policy for a certificate request and direct urgent requests to the account manager. [19](https://www.techinsurance.com/ "Technology Business Insurance") [21](https://www.techinsurance.com/contact-us "Contact Us") (Evidence: Company-reported; scope: Documented service description, not tested service speed or quality.; verified: 2026-09-16.)<br><br>The reviewed About and Contact pages do not establish a renewal remarketing schedule, a contractual response-time commitment, or the scope of dedicated support for a complex growth-stage insurance program. [20](https://www.techinsurance.com/about-us "About TechInsurance") [21](https://www.techinsurance.com/contact-us "Contact Us") (Evidence: Not publicly disclosed; scope: Scoped public-information gap; does not establish that these services are unavailable.; verified: 2026-09-16.) |
| Access to insurers | Foxquilt’s product pages display Markel, Greenlight Re and Lloyd’s-related marks under “Backed by industry leaders.” The reviewed pages do not map those names to the insurer, reinsurer, coverholder, or delegated authority for a particular U.S. product, state or policy; confirm the insurer and producer on the quote and policy documents. [5](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [6](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") [2](https://www.foxquilt.com/about-us.html "About Us - North American Business Insurance Company") (Evidence: Not publicly disclosed; scope: Foxquilt brand marketing and the reviewed public CGL/E&O pages; no policy or state-specific issuer schedule reviewed.; verified: 2026-09-29.) | TechInsurance names insurance partners including The Hartford, Hiscox, Chubb and Travelers. These are examples of marketed relationships, not the identified contracting insurer for a quote; ask for the exact issuing entity and its California placement route. [26](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners") (Evidence: Company-reported; scope: Partner names are commercial brands; no policy declarations or product-specific insurer allocation inspected.; verified: 2026-09-16.) |

## Related Reading

- [What Is Foxquilt?](https://spot.insure/insurance-providers/foxquilt)
- [What Is TechInsurance?](https://spot.insure/insurance-providers/techinsurance)

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- [Coverdash vs Foxquilt](https://spot.insure/compare/coverdash-vs-foxquilt)
- [Coverdash vs TechInsurance](https://spot.insure/compare/coverdash-vs-techinsurance)
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- [Cowbell vs TechInsurance](https://spot.insure/compare/cowbell-vs-techinsurance)
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- [Embroker vs TechInsurance](https://spot.insure/compare/embroker-vs-techinsurance)

## Sources

### [Foxquilt Official Website](https://www.foxquilt.com/)

1. [Commercial Insurance, Business Liability Coverage | Foxquilt](https://www.foxquilt.com/). Foxquilt; Homepage: available-now CGL and E&O; other recommended products; digital purchase workflow; illustrative quote screens and carrier/support marks. Accessed 2026-09-29.
2. [About Us - North American Business Insurance Company](https://www.foxquilt.com/about-us.html). Foxquilt; Our Primary Coverages; North American Distribution; Foxden; broad company-level distribution statement. Accessed 2026-09-29.
3. [Become a Foxquilt Agent/Broker Partner](https://www.foxquilt.com/agent-broker-partner.html). Foxquilt; Agent/broker product and servicing marketing: quote/bind/service in Foxden and instant documents (lines 22–24); service requests manage endorsements/cancellations (lines 130–138); digital servicing support says digitally manage endorsements/cancellations (lines 206–208); agents can file change requests in Foxden (lines 262–266). Separate CGL live selector states 42 U.S. states, 7 Canadian provinces and ‘Admitted paper Yes’ (lines 210–227). Page calls Foxquilt a ‘North American Carrier’ and says two products are built/underwritten in-house (lines 145–152). Directly reopened 2026-09-29. Provider-published marketing, not independent regulator verification; exact license-holding entity/type/identifier, specific policy authority and request-processing terms are not disclosed here. Accessed 2026-09-29.
4. [Other Coverages](https://www.foxquilt.com/businesscoverage.html). Foxquilt; Other Coverages page: Workers’ Compensation, Commercial Auto, Cyber Liability and Commercial Property cards; Commercial Auto card lists Owned vehicles, Hired & non-owned, and Tools in transit as features; CGL/E&O are marked available now. Directly inspected 2026-09-29, lines 22–70. Accessed 2026-09-29.
5. [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.
6. [Professional Liability (E&O)](https://www.foxquilt.com/businesscoverage/professional-liability.html). 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.
7. [Workers’ Compensation Insurance](https://www.foxquilt.com/businesscoverage/workers-compensation.html). Foxquilt; State-requirements FAQ; payroll/employee/location price factors; benefits list; self-employed and subcontractor FAQs. Reopened 2026-09-29, lines 148–162. Accessed 2026-09-29.
8. [Commercial Auto Insurance](https://www.foxquilt.com/businesscoverage/commercial-auto.html). Foxquilt; Product description, audience/use cases, claims scenarios and price factors. Reopened 2026-09-29, lines 42, 99–132. Accessed 2026-09-29.
9. [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.
10. [Commercial Property Insurance](https://www.foxquilt.com/businesscoverage/commercial-property.html). Foxquilt; Property description and causes; target property; claim examples; pricing factors. Reopened 2026-09-29, lines 98–128. Accessed 2026-09-29.
11. [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.
12. [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.
13. [Foxquilt Insurance Services | Consumer & Privacy Info](https://www.foxquilt.com/privacy-policy.html). Foxquilt; Privacy officer identity/address; “How We Get Paid For Our Services”; commission table and contingent-commission footnote; Canada-oriented company disclosure; no U.S. line/issuer mapping. Accessed 2026-09-29.
14. [Agency Detail: Foxquilt Insurance Services LLC](https://my.westfieldinsurance.com/AgentLocator/AgencyDetailEntry.aspx?AgencyId=7480). Westfield Insurance; Agency directory listing for Foxquilt Insurance Services LLC and Business coverage; does not disclose state appointment terms, delegated authority, or policy issuer. Accessed 2026-09-28.
15. [Foxquilt official website](https://www.foxquilt.com/). Foxquilt; Official website is the provenance root for the visible brand mark; no reusable downloadable official logo file was verified during this pass. Accessed 2026-09-29.
16. [Smarter Umbrella Insurance For Your Business](https://www.foxquilt.com/businesscoverage/umbrella-insurance.html). 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.
17. [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.
18. [Cleaner Insurance Program by Foxquilt](https://www.foxquilt.com/businesscoverage/ConvertLabs.html). Foxquilt; Current Foxquilt-powered ConvertLabs cleaner program page; lines 108–135 lists CGL, Commercial Auto, Mobile Equipment, Crime/Bonds and Workers’ Compensation. Lines 127–128 identify Mobile Equipment as “also known as Inland Marine” and limit it to a small portion of equipment coverage commonly used by janitorial providers; lines 130–131 describe Crime, not bond terms. Page says program applications are available in Canada or the U.S. Directly inspected 2026-09-29. Accessed 2026-09-29.

### [TechInsurance Official Website](https://www.techinsurance.com/)

19. [Technology Business Insurance](https://www.techinsurance.com/). TechInsurance; Top business insurance policies (including the Commercial auto insurance card); proof of insurance and expert advice; footer. Accessed 2026-09-16.
20. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
21. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
22. [Insurance Licensing](https://www.techinsurance.com/legal/licenses). TechInsurance; Where we are licensed; California entry; footer legal entity. Accessed 2026-09-16.
23. [Small Business Insurance in California](https://www.techinsurance.com/small-business-insurance/states/california). TechInsurance; Find California business insurance in three easy steps; recommended policies and Get Quotes controls. Accessed 2026-09-16.
24. [Small Business Insurance](https://www.techinsurance.com/small-business-insurance). TechInsurance; Top recommended small business insurance policies; Specialized coverage for unique risks. Accessed 2026-09-16.
25. [Technology Errors and Omissions – Tech E&O Insurance](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage). TechInsurance; Tech E&O insurance includes two policies; quotation form; Technology professionals we insure. Accessed 2026-09-16.
26. [Our Insurance Partners](https://www.techinsurance.com/about-us/business-insurance-partners). TechInsurance; Named provider sections; More key policies our dedicated providers offer (including Contractor’s tools and equipment insurance); Professions we insure. Accessed 2026-09-16.
27. [Compensation Disclosure Notice](https://www.techinsurance.com/legal/compensation-disclosure). TechInsurance; TechInsurance business practices and link to SPG disclosure. Accessed 2026-09-16.
28. [Compensation Disclosure](https://www.specialtyprogramgroup.com/compensation-disclosure/). Specialty Program Group; Commission Income; Contingency Income; Fees Paid by Clients; Customer Centric Carriers; footer. Accessed 2026-09-16.
29. [How Do I File a Business Insurance Claim?](https://www.techinsurance.com/resources/how-to-file-a-business-insurance-claim) TechInsurance; Opening carrier-contact instruction; property and liability claim sections and TechInsurance agent assistance. Accessed 2026-09-16.
30. [Hub International and Bold Penguin to Acquire Insureon](https://www.hubinternational.com/en-CA/media-center/press-releases/2022/03/hub-international-and-bold-penguin-to-acquire-insureon/). HUB International; March 1, 2022 announcement; agency/platform split; Insureon operations within SPG. Accessed 2026-09-16.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/foxquilt-vs-techinsurance.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)