Foxquilt vs Zurich U.S.: How Do They Compare for Builders Risk Insurance?

Zurich U.S.’s Commercial Builders Risk appetite summary lists water and sewer pipelines among commercial projects and identifies several ineligible classes, including oil-and-gas pipelines, tunnels and dams; Foxquilt describes a product for businesses undertaking construction without naming project types in that claim. ^3,⁶

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

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Read the Foxquilt Builders Risk Insurance page

Zurich U.S. Business Insurance: Products, Access, and Claims

Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. ^4,⁵

Read the Zurich U.S. profile

Read the Zurich U.S. Builders Risk Insurance page

What Is Builders Risk Insurance?

Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. ^7,^8,^9,¹⁰

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What Are the Key Differences Between Foxquilt and Zurich U.S. Builders Risk Insurance?

Published appetite and project restrictions

Zurich U.S.’s Commercial Builders Risk appetite summary lists water and sewer pipelines among commercial projects and marks oil-and-gas pipelines, tunnels, dams and historic structures ineligible. Foxquilt’s overview says its product is for businesses with construction projects but does not define project classes. A pipeline contractor should use Zurich U.S.’s distinction to screen the work type and get a written eligibility answer; do not infer acceptance from Foxquilt’s broader description. ⁶ ³

Specialist access and application

Zurich U.S. describes a dedicated team of more than 50 specialists and an agent registration and submission process. Its page conflicts on project value thresholds, so values must be confirmed with the underwriter. Foxquilt offers a quote path without a published project-value boundary in the reviewed claim. For either, seek written confirmation of value eligibility and the point at which coverage can bind. ⁶ ³

What Should You Confirm in Foxquilt and Zurich U.S. Builders Risk Insurance Quotes?

Does Zurich U.S.'s project-value appetite include your stated value, given the conflicting page descriptions, and are any listed exclusions relevant? ³ ⁶
What construction classes and project values will Foxquilt consider, and who confirms binding? ⁶ ³

Foxquilt and Zurich U.S. 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

8.9/ 10

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]

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Zurich U.S. Review Score

-/ 10

Review Score

No reviews found

The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.^[1]^[4]^[5]^[6]^[7]

Read Zurich U.S. reviews

Foxquilt vs Zurich U.S. Builders Risk Insurance Compared

Foxquilt vs Zurich U.S.: Builders Risk Insurance: documented features by provider

Criteria	Foxquilt Builder’s Risk	Zurich Commercial Builders Risk
Role in This Line	Foxquilt lists a Builder’s Risk product for businesses with construction projects. 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.
Who It’s For	The page frames the product around businesses undertaking construction projects; it does not establish which project types Foxquilt will quote. 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.	Zurich lists water and sewer pipeline projects within Commercial Builders Risk appetite and explicitly excludes oil and gas pipelines. ⁶Company-reported. Zurich U.S. brand; issuing company is not specified on this program summary; Zurich Commercial Builders Risk for commercial construction projects; United States. Company-reported target appetite; each application remains subject to underwriting. Do not imply every risk or class is accepted. Zurich’s live Commercial Builders Risk page gives conflicting project-value descriptions: the overview and FAQ describe projects up to $75 million, while the Appetite section says commercial projects of any size and value. The page does not resolve the scope conflict; confirm eligibility with Zurich. These statements describe project values, not policy limits. ⁶Company-reported. Zurich U.S. brand; issuing company is not specified on this program summary; Zurich Commercial Builders Risk; United States. The official page contains an unresolved conflict about project-value eligibility. Obtain current Zurich clarification before relying on a boundary. The statements concern project values and do not establish a policy limit; issued terms and underwriting govern. Zurich lists the Commercial Builders Risk program as nationwide. ⁶Company-reported. Zurich U.S. brand; underlying issuing legal entity is not identified on this page; Zurich Commercial Builders Risk program; United States, company-reported nationwide program availability. Company-reported program geography does not establish issuer authority or coverage for a specific risk; confirm jurisdiction and policy with the quote. Zurich lists registered historic structures, tunnels, dams, structures built over water, and manufacturing including testing/equipment among ineligible Commercial Builders Risk projects. ⁶Company-reported. Zurich U.S. brand; issuing company is not specified on this program summary; Zurich Commercial Builders Risk; United States. Company-reported appetite; not a full policy exclusion list. Actual terms govern.
Coverage Features	Its public overview describes protection for property during construction and gives examples of construction-stage loss causes. 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.	Zurich says its Commercial Builders Risk program protects commercial projects against physical loss or damage during construction, renovation or installation. ⁶Company-reported. Zurich U.S. brand; issuing company is not specified on this program summary; Zurich Commercial Builders Risk; United States. Company product summary, not a policy form; actual covered property, causes, exclusions, limits and conditions depend on issued terms and underwriting. Zurich lists potential Commercial Builders Risk options including earth movement, flood, Ordinance or Law, soft costs, business income/extra expense, waiver of coinsurance and building-systems testing. ⁶Company-reported. Zurich U.S. brand; issuing company is not specified on this program summary; Zurich Commercial Builders Risk; United States. Options may depend on project/underwriting and issued policy terms; page is not the policy form.
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.	Zurich states the commercial Builders Risk program offers direct access to a dedicated team of more than 50 specialists. ⁶Company-reported. Zurich U.S. brand; issuing company is not specified on this program summary; Zurich Commercial Builders Risk; United States. Company-reported program service statement; it does not promise response times or claims outcomes.
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.	Zurich says agents can register online for program access and submit an online or paper application to underwriting; no premium commitment is required to register. ⁶Company-reported. Zurich U.S. brand; distribution through agents/brokers; Zurich Commercial Builders Risk; United States. Application process description; submission is not binding coverage or evidence of acceptance.

Related Pages for Foxquilt vs Zurich U.S. Builders Risk Insurance

Builders Risk Insurance Pages for Foxquilt and Zurich U.S.

Other Coverage Lines Compared for Foxquilt vs Zurich U.S.

Other Builders Risk Insurance Provider Comparisons

Sources for Foxquilt vs Zurich U.S. Builders Risk 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.
Builder’s Risk Insurance. Foxquilt; Construction-stage description and example causes; intended buyers; project-specific price factors. Reopened 2026-09-29, lines 98–127. Accessed 2026-09-29.

Sources About Zurich U.S.

About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
Commercial Builders Risk Program | Zurich Insurance. Zurich U.S.; Builders Risk - Commercial; direct product overview and FAQ: coverage, appetite, ineligible projects, options, limits, application, geography, admission and program highlights (HTML lines 270–411). Accessed 2026-09-28.

Sources for the Builders Risk Insurance Guide

Glossary of Insurance Terms. National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16.
Commercial Insurance Guide. California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
Builders Risk Coverage Form. Insurance Services Office, Inc.; hosted by Touchpoint Markets; A.1–3 p.1; B.3.c p.11; C,D,E p.12. Accessed 2026-09-16.
Builders Risk Application Tip Sheet. US Assure; General policy application tips p.1; Remodeling tips p.2. Accessed 2026-09-16.