---
title: "Foxquilt vs The Hartford: Tech E&O Insurance"
description: "The Hartford’s FailSafe description lists technology E&O features and distinguishes its separate cyber coverage; Foxquilt lists technology and creative businesses within broader Professional Liability / E&O."
canonical: "https://spot.insure/compare/foxquilt-vs-the-hartford/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "foxquilt-vs-the-hartford"
provider-a: "foxquilt"
provider-b: "the-hartford"
coverage-line: "technology-errors-omissions"
---

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-the-hartford/technology-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of Foxquilt and The Hartford for Tech E&O 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 Tech E&O Insurance questions about Foxquilt versus The Hartford. 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 The Hartford for Tech E&O Insurance: how do they differ?
- Which is better for Tech E&O Insurance, Foxquilt or The Hartford?
- What does Foxquilt or The Hartford publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Tech E&O Insurance from Foxquilt or The Hartford?

**Key facts:**
- Line: Tech E&O Insurance. Providers: Foxquilt and The Hartford.
- 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 The Hartford](https://spot.insure/compare/foxquilt-vs-the-hartford) — parent: all coverage lines for this pair
- [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — coverage explainer for this line
- [Foxquilt profile](https://spot.insure/insurance-providers/foxquilt) — provider profile (evidence)
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile (evidence)
- [Foxquilt vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/foxquilt-vs-the-hartford/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs The Hartford Commercial Property Insurance](https://spot.insure/compare/foxquilt-vs-the-hartford/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs The Hartford Crime Insurance](https://spot.insure/compare/foxquilt-vs-the-hartford/crime) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs The Hartford Cyber Insurance](https://spot.insure/compare/foxquilt-vs-the-hartford/cyber) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs The Hartford General Liability Insurance](https://spot.insure/compare/foxquilt-vs-the-hartford/general-liability) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs The Hartford Hired and Non-Owned Auto Insurance](https://spot.insure/compare/foxquilt-vs-the-hartford/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs The Hartford Inland Marine Insurance](https://spot.insure/compare/foxquilt-vs-the-hartford/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/foxquilt-vs-the-hartford/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/foxquilt-vs-the-hartford/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Foxquilt Tech E&O Insurance](https://spot.insure/compare/aig-vs-foxquilt/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Hartford Tech E&O Insurance](https://spot.insure/compare/aig-vs-the-hartford/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Foxquilt Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs The Hartford Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Foxquilt Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-foxquilt/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs The Hartford Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)

# Foxquilt vs The Hartford: How Do They Compare for Tech E&O Insurance?

The Hartford’s FailSafe description lists technology E&O features and distinguishes its separate cyber coverage; Foxquilt lists technology and creative businesses within broader Professional Liability / E&O.

## How to Use the Foxquilt vs The Hartford Tech E&O Insurance Comparison

Use this comparison to evaluate Foxquilt and The Hartford for Tech E&O 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 The Hartford Tech E&O Insurance Summary

The Hartford’s FailSafe description lists E&O, security, privacy, IP and media features and distinguishes separate cyber coverage for attacks and data leaks. Foxquilt lists technology and creative businesses within broader Professional Liability / E&O; a separate technology form is not established. [3](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") [7](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O")

## 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 The Hartford?

The Hartford suits SaaS and software small businesses seeking a BOP and an online quote; buyers needing commercial auto through self-service or built-in California EPL coverage should use another route. Eligible small-business quotes can start online in minutes. [4](https://www.thehartford.com/legal-notice "Legal Notice") [5](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [6](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent")

[The Hartford profile](https://spot.insure/insurance-providers/the-hartford)

## 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](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [9](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [10](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf "Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)") [11](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [12](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management") [13](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf "Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application") [14](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Risk for Technology Companies")

## What Are the Key Differences Between Foxquilt and The Hartford Tech E&O Insurance?

### Coverage components

The Hartford’s FailSafe Technology E&O description lists errors and omissions, security, data privacy and network security, personal injury, intellectual property and media liability; it distinguishes separate cyber coverage for attacks and data leaks. Foxquilt lists technology and creative classes in broader professional E&O. Compare the Hartford’s listed features with the wording proposed for the same product, code and data exposures in a Foxquilt quote. [7](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [3](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)")

### Price and policy limits

The Hartford’s page, last updated September 19, 2024, gives a company-reported estimate of $500–$1,000 per employee annually and says the selected limits and buyer details affect cost; this is an estimate, not a quote or coverage limit. Foxquilt’s cited page provides a quote path. Compare actual quotes using the same employee count, policy period and limits. [7](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [3](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)")

## What Should You Confirm in Foxquilt and The Hartford Tech E&O Insurance Quotes?

- Ask The Hartford for limits and pricing based on your employee count and whether cyber is a separate purchase. Ask Foxquilt to identify the tech-specific form, its limits and treatment of privacy, IP and media claims. [7](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [3](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)")

## Foxquilt vs The Hartford Tech E&O Insurance Compared

| Criteria | Foxquilt Technology / Creative E&O class | The Hartford FailSafe Technology Errors and Omissions 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. [3](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") (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..) | The Hartford's FailSafe Technology Liability Product Suite is its technology errors and omissions (E&O) product, aimed at technology companies whose products or services can cause a customer's pure financial loss that traditional liability policies usually don't cover. [7](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") (Evidence: Company-reported; scope: Technology E&O product page as read 2026-09-23..) |
| 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. [3](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") (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..) | The Hartford names buyer types for Tech E&O: software and IT specialists (custom/packaged software developers, website designers, computer consultants, systems integrators, federal IT contractors), hardware and electronics manufacturers, and telecommunications providers (local/long-distance carriers, internet/application service providers, website hosting). [7](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") (Evidence: Company-reported; scope: Technology E&O product page as read 2026-09-23..) |
| 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. [3](https://www.foxquilt.com/businesscoverage/professional-liability.html "Professional Liability (E&O)") (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..) | The Hartford lists FailSafe Technology E&O coverage features: errors and omissions liability, security liability, data privacy and network security liability, personal injury liability, intellectual property liability, and media liability. It distinguishes this from its separate cyber liability coverage, which addresses cyberattacks and data leaks specifically rather than broader product/service failures. [7](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") (Evidence: Company-reported; scope: Technology E&O product page as read 2026-09-23. General coverage description; the issued policy controls..) |
| 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/professional-liability.html "Professional Liability (E&O)") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) | The Hartford says E&O coverage for technology businesses typically costs about $500 to $1,000 per year per employee; the page does not publish standard coverage limits, which depend on location, employee count, coverage limits chosen and lawsuit history. [7](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") (Evidence: Company-reported; scope: Company-reported cost range as of 2026-09-23 (page last updated by The Hartford September 19, 2024); not a coverage limit..) |
| 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/professional-liability.html "Professional Liability (E&O)") (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..) | Confirm in your quote. |

## Related Pages for Foxquilt vs The Hartford Tech E&O Insurance

- [Foxquilt vs The Hartford](https://spot.insure/compare/foxquilt-vs-the-hartford): all coverage lines, business roles, service and claims.
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review.
- [Foxquilt vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/foxquilt-vs-the-hartford/commercial-auto)
- [Foxquilt vs The Hartford Commercial Property Insurance](https://spot.insure/compare/foxquilt-vs-the-hartford/commercial-property)
- [Foxquilt vs The Hartford Crime Insurance](https://spot.insure/compare/foxquilt-vs-the-hartford/crime)
- [Foxquilt vs The Hartford Cyber Insurance](https://spot.insure/compare/foxquilt-vs-the-hartford/cyber)
- [Foxquilt vs The Hartford General Liability Insurance](https://spot.insure/compare/foxquilt-vs-the-hartford/general-liability)
- [Foxquilt vs The Hartford Hired and Non-Owned Auto Insurance](https://spot.insure/compare/foxquilt-vs-the-hartford/hired-non-owned-auto)
- [Foxquilt vs The Hartford Inland Marine Insurance](https://spot.insure/compare/foxquilt-vs-the-hartford/inland-marine)
- [Foxquilt vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/foxquilt-vs-the-hartford/professional-errors-omissions)
- [Foxquilt vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/foxquilt-vs-the-hartford/workers-compensation)
- [AIG vs Foxquilt Tech E&O Insurance](https://spot.insure/compare/aig-vs-foxquilt/technology-errors-omissions)
- [AIG vs The Hartford Tech E&O Insurance](https://spot.insure/compare/aig-vs-the-hartford/technology-errors-omissions)
- [Alliance Risk vs Foxquilt Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/technology-errors-omissions)
- [Alliance Risk vs The Hartford Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/technology-errors-omissions)
- [Amelia Risk vs Foxquilt Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-foxquilt/technology-errors-omissions)
- [Amelia Risk vs The Hartford Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/technology-errors-omissions)

## Sources for Foxquilt vs The Hartford Tech E&O 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. [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.

### Sources About The Hartford

4. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
5. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
6. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
7. [Technology Errors and Omissions Insurance | Technology E&O](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; What Is Technology Errors and Omissions Insurance?; How Does Technology Errors and Omissions Insurance Work; Technology Errors and Omissions Insurance Coverage feature list; Technology Errors and Omissions Insurance Cost; Types of Companies That Need Tech E&O Insurance. Accessed 2026-09-23.

### Sources for the Tech E&O Insurance Guide

8. [Glossary of Insurance Terms](https://content.naic.org/glossary-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.
9. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). 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.
10. [Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf). 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.
11. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). 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.
12. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). 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.
13. [Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf). 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.
14. [Cyber Risk for Technology Companies](https://www.travelers.com/business-insurance/cyber-insurance/technology). 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.

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).

## The Hartford Review Scores for 2026

Review Score: 4.9 / 10 from 5 rated sources, equally weighted.

The Hartford’s service record is mixed: NerdWallet rates it 4.5/5 but reports below-average small-business satisfaction. Low Trustpilot ratings add a service concern, although they mix policy types.

- NerdWallet: NerdWallet editorial rating 4.5 (5 stars). Editorial commercial-insurance assessment; methodology and scope belong to publisher. Period: 2026 review; accessed 2026-09-25. Checked 2026-09-25. [NerdWallet result for The Hartford](https://www.nerdwallet.com/business/insurance/learn/hartford-business-insurance)
- J.D. Power: J.D. Power commercial-lines independent-agent satisfaction index 794 (out of 1000). Study population/segment as stated; not a universal policy quality score. Period: 2022 study; accessed 2026-09-25. Checked 2026-09-25. [J.D. Power 2022 U.S. Independent Agent Satisfaction Study — commercial lines ranking](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf)
- Trustpilot: Trustpilot TrustScore 1.2 (5 stars); 493 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 The Hartford](https://www.trustpilot.com/review/thehartford.com)
- ConsumerAffairs: ConsumerAffairs homeowners consumer rating 1.6 (5 stars); 147 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-09-12; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for The Hartford](https://www.consumeraffairs.com/insurance/hartford_homeowners.html)
- Google reviews via Birdeye: Birdeye office listing rating from Google reviews 1.0 (5 stars); 10 reviews. One Schaumburg, Illinois insurance office listing; not firmwide. Birdeye shows Google as review origin (10) and Birdeye-native reviews (0), so counts are syndicated Google reviews, not independent Birdeye reviews. Visible reviews mix business, personal, and employee-benefit claims. Period: accessed 2026-09-25. Checked 2026-09-25. [The Hartford office, Schaumburg, IL — Birdeye listing of Google reviews](https://reviews.birdeye.com/the-hartford-176946619436860)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/foxquilt-vs-the-hartford/technology-errors-omissions.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)