---
title: "Foxquilt vs Zurich U.S.: Builders Risk Insurance"
description: "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."
canonical: "https://spot.insure/compare/foxquilt-vs-zurich/builders-risk"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "foxquilt-vs-zurich"
provider-a: "foxquilt"
provider-b: "zurich"
coverage-line: "builders-risk"
---

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-zurich/builders-risk)

## Agent Guide

**What this page is:** Focused comparison of Foxquilt and Zurich U.S. for Builders Risk 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 Builders Risk Insurance questions about Foxquilt versus Zurich U.S.. 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 Zurich U.S. for Builders Risk Insurance: how do they differ?
- Which is better for Builders Risk Insurance, Foxquilt or Zurich U.S.?
- What does Foxquilt or Zurich U.S. publish about Builders Risk Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Builders Risk Insurance from Foxquilt or Zurich U.S.?

**Key facts:**
- Line: Builders Risk Insurance. Providers: Foxquilt and Zurich U.S..
- 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 Zurich U.S.](https://spot.insure/compare/foxquilt-vs-zurich) — parent: all coverage lines for this pair
- [Builders Risk Insurance guide](https://spot.insure/coverage/builders-risk) — coverage explainer for this line
- [Foxquilt profile](https://spot.insure/insurance-providers/foxquilt) — provider profile (evidence)
- [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) — provider profile (evidence)
- [Foxquilt vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/foxquilt-vs-zurich/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/foxquilt-vs-zurich/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Zurich U.S. Crime Insurance](https://spot.insure/compare/foxquilt-vs-zurich/crime) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/foxquilt-vs-zurich/cyber) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/foxquilt-vs-zurich/general-liability) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Zurich U.S. Inland Marine Insurance](https://spot.insure/compare/foxquilt-vs-zurich/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/foxquilt-vs-zurich/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Zurich U.S. Tech E&O Insurance](https://spot.insure/compare/foxquilt-vs-zurich/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Zurich U.S. Umbrella and Excess Liability Insurance](https://spot.insure/compare/foxquilt-vs-zurich/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Foxquilt vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/foxquilt-vs-zurich/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Foxquilt Builders Risk Insurance](https://spot.insure/compare/aig-vs-foxquilt/builders-risk) — sibling comparison (other line, or other pair for this line)
- [AIG vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/aig-vs-zurich/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Foxquilt Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Aon vs Foxquilt Builders Risk Insurance](https://spot.insure/compare/aon-vs-foxquilt/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Aon vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/aon-vs-zurich/builders-risk) — sibling comparison (other line, or other pair for this line)

# 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.

## How to Use the Foxquilt vs Zurich U.S. Builders Risk Insurance Comparison

Use this comparison to evaluate Foxquilt and Zurich U.S. for Builders Risk 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 Zurich U.S. Builders Risk Insurance Summary

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](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") [6](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance")

## What Is Foxquilt?

Foxquilt offers several online-marketed small-business lines, but its public pages do not resolve which U.S. entity places each risk or which insurer issues each policy. Compare the specific product, state, terms and named entities before deciding whether the digital route fits your business. [1](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html "Commercial General Liability") [2](https://www.foxquilt.com/terms-of-use.html "Foxquilt Insurance Services | Terms & Conditions")

[Foxquilt profile](https://spot.insure/insurance-providers/foxquilt)

## 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](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [5](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.")

[Zurich U.S. profile](https://spot.insure/insurance-providers/zurich)

## 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](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf "Builders Risk Coverage Form") [10](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf "Builders Risk Application Tip Sheet")

## 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](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance")  [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance")

### 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](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance")   [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance")

## 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](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") [6](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance")
- What construction classes and project values will Foxquilt consider, and who confirms binding? [6](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance")

## Foxquilt vs Zurich U.S. Builders Risk Insurance Compared

| 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. [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | 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. [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | Zurich lists water and sewer pipeline projects within Commercial Builders Risk appetite and explicitly excludes oil and gas pipelines. [6](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") (Evidence: Company-reported; scope: 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..)<br><br>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. [6](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") (Evidence: Company-reported; scope: 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..)<br><br>Zurich lists the Commercial Builders Risk program as nationwide. [6](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") (Evidence: Company-reported; scope: 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..)<br><br>Zurich lists registered historic structures, tunnels, dams, structures built over water, and manufacturing including testing/equipment among ineligible Commercial Builders Risk projects. [6](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") (Evidence: Company-reported; scope: 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. [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | Zurich says its Commercial Builders Risk program protects commercial projects against physical loss or damage during construction, renovation or installation. [6](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") (Evidence: Company-reported; scope: 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..)<br><br>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. [6](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") (Evidence: Company-reported; scope: 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. [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") (Evidence: Not publicly disclosed; scope: 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. [6](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") (Evidence: Company-reported; scope: 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. [3](https://www.foxquilt.com/businesscoverage/builders-risk-insurance.html "Builder’s Risk Insurance") (Evidence: Company-reported; scope: Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | 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. [6](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") (Evidence: Company-reported; scope: 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

- [Foxquilt vs Zurich U.S.](https://spot.insure/compare/foxquilt-vs-zurich): all coverage lines, business roles, service and claims.
- [What Is Builders Risk Insurance?](https://spot.insure/coverage/builders-risk): Builders risk insures a building and its materials against physical loss while it is under construction, but stored or in-transit materials, the existing structure in a renovation, and early occupancy can fall outside it.
- [Foxquilt vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/foxquilt-vs-zurich/commercial-auto)
- [Foxquilt vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/foxquilt-vs-zurich/commercial-property)
- [Foxquilt vs Zurich U.S. Crime Insurance](https://spot.insure/compare/foxquilt-vs-zurich/crime)
- [Foxquilt vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/foxquilt-vs-zurich/cyber)
- [Foxquilt vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/foxquilt-vs-zurich/general-liability)
- [Foxquilt vs Zurich U.S. Inland Marine Insurance](https://spot.insure/compare/foxquilt-vs-zurich/inland-marine)
- [Foxquilt vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/foxquilt-vs-zurich/professional-errors-omissions)
- [Foxquilt vs Zurich U.S. Tech E&O Insurance](https://spot.insure/compare/foxquilt-vs-zurich/technology-errors-omissions)
- [Foxquilt vs Zurich U.S. Umbrella and Excess Liability Insurance](https://spot.insure/compare/foxquilt-vs-zurich/umbrella-excess)
- [Foxquilt vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/foxquilt-vs-zurich/workers-compensation)
- [AIG vs Foxquilt Builders Risk Insurance](https://spot.insure/compare/aig-vs-foxquilt/builders-risk)
- [AIG vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/aig-vs-zurich/builders-risk)
- [Alliance Risk vs Foxquilt Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-foxquilt/builders-risk)
- [Alliance Risk vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/builders-risk)
- [Aon vs Foxquilt Builders Risk Insurance](https://spot.insure/compare/aon-vs-foxquilt/builders-risk)
- [Aon vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/aon-vs-zurich/builders-risk)

## Sources for Foxquilt vs Zurich U.S. Builders Risk 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. [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.

### Sources About Zurich U.S.

4. [About Us | Zurich U.S. | Commercial Insurance](https://www.zurichna.com/about). Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
5. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers). Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
6. [Commercial Builders Risk Program | Zurich Insurance](https://www.zurichna.com/insurance/zpm/construction/commercial). 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

7. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16.
8. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
9. [Builders Risk Coverage Form](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf). 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.
10. [Builders Risk Application Tip Sheet](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf). US Assure; General policy application tips p.1; Remodeling tips p.2. 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).

## Zurich U.S. Review Scores for 2026

Review Score: not enough ratings.

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.

- NerdWallet: editorial rating 4.5 (5). U.S. commercial rental-fleet insurance publisher review; editorial evaluation, not a consumer average or all-line Zurich result. Period: Page updated July 10, 2026. Checked 2026-09-29. [Best Insurance Companies for Car Rental Businesses](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance)
- Trustpilot: TrustScore 1.2 (5); 748 reviews. Global Zurich Insurance Group profile; mixed countries and products, not U.S. commercial-policyholder satisfaction. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Insurance Reviews](https://www.trustpilot.com/review/www.zurich.com)
- ConsumerAffairs: customer rating 1.0 (5); 72 reviews. U.S. Zurich North America/Property & Casualty profile; mixed products and customer populations, not line-specific commercial results. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Property & Casualty Insurance Reviews from Real Customers](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html)
- BBB: customer review rating 1.14 (5); 116 reviews. Customer-submitted reviews on the Zurich American Insurance Company profile; not a line-specific or representative policyholder survey. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich American Insurance Company Customer Reviews](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/zurich/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/foxquilt-vs-zurich/builders-risk.md)
- [Developer resources](https://spot.insure/developers)
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- [MCP server manifest](https://spot.insure/server.json)
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- [Public page index](https://spot.insure/llms.txt)