---
title: "Is Foxquilt Legit? Licensing, Insurers and Reliability"
description: "This partial score shows what we could verify about Foxquilt's licensing, financial strength, claims process and public terms. A rating doesn't guarantee a claim will be paid."
canonical: "https://spot.insure/insurance-providers/foxquilt/reliability"
page-type: "reliability-article"
updated-at: "2026-09-29"
---

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# Is Foxquilt Legit? Licensing, Insurers and Reliability

This partial score shows what we could verify about Foxquilt's licensing, financial strength, claims process and public terms. A rating doesn't guarantee a claim will be paid.

## Assessment

- **Role:** Managing general agent

- **Scope:** Foxquilt's small-business commercial insurance sold in the US (from 2021) and Canada. In the US it acts as a digital managing general agent (MGA) using Markel capacity. In Canada its regulator is FSRA (Ontario) and its capacity is reported to come from a Lloyd's syndicate. This covers the brand, not any one policy.

**Assessment subject unavailable**

This partial Carrier & MGA Spot Score covers carrier relationships and how clearly it explains its terms. It uses 25% of the rubric's factor weighting, normalized to a ten-point scale. Anything without enough evidence is left out, not scored as zero.

- **Carrier & MGA Spot Score:** **Assessment subject unavailable**
- **Subject:** Assessment subject unavailable
- **Role:** Managing general agent
- **Scope:** Foxquilt's small-business commercial insurance sold in the US (from 2021) and Canada. In the US it acts as a digital managing general agent (MGA) using Markel capacity. In Canada its regulator is FSRA (Ontario) and its capacity is reported to come from a Lloyd's syndicate. This covers the brand, not any one policy.
- **Assessed:** 2026-09-29
- **Review due:** 2026-10-29
- **Factor basis:** No current numerical score because assessment subject attribution is unavailable.

- **Methodology:** [How we calculate the Spot Score](/spot-rating)

- **Provider profile:** [Foxquilt](/insurance-providers/foxquilt)

## Research summary

### Who is behind Foxquilt

Foxquilt Insurance Services Inc. is in Toronto and runs the website. It has a Charlotte, NC office. Its terms are governed by Ontario law. Its privacy policy says no insurance company owns it. [Terms of Use](https://www.foxquilt.com/terms-of-use.html), [Privacy Policy](https://www.foxquilt.com/privacy-policy.html), [About Us - North American Business Insurance Company](https://www.foxquilt.com/about-us.html)

Foxquilt calls itself a digital MGA in the US. An MGA sells and underwrites for an insurer but is not the insurer. [Insurtech Foxquilt Announces Capacity Partnership With Markel](https://www.insurancejournal.com/news/national/2024/01/17/755755.htm), [Foxquilt Launches E&O Insurance for U.S. Small Businesses](https://www.agencyequity.com/articles/foxquilt-launches-eo-insurance-for-u-s-small-businesses)

### Licences

Foxquilt does not publish licence numbers or regulator names. Its site says its CGL is on admitted paper and is available in 42 US states and 7 Canadian provinces, and its about page says 50 states and 8 provinces. Those are company claims. The Ontario (FSRA) licence data and US state lookups haven't been confirmed, so no licence is confirmed either way. [Become a Foxquilt Agent/Broker Partner](https://www.foxquilt.com/agent-broker-partner.html), [About Us - North American Business Insurance Company](https://www.foxquilt.com/about-us.html), [FSRA open data: Licensed Insurance Agents](https://www.fsrao.ca/about-fsra/corporate-reporting/open-data/licensed-insurance-agents), [Sitemap](https://www.foxquilt.com/sitemap.html)

### Who pays claims

In the US, Markel is the named capacity partner. For the new E&O product, launched Sept 1, 2026, the pages we opened do not say which Markel company issues the policy. In Canada, Foxquilt says Greenlight Re and Lloyd's back it, and Lloyd's overall rating from AM Best is A+ (Superior). That is a market-wide rating, not a rating of the syndicate. Foxquilt's homepage cites an "A-rating from AM Best" without naming the insurer. [Commercial Insurance, Business Liability Coverage | Foxquilt](https://www.foxquilt.com/), [Insurtech Foxquilt Announces Capacity Partnership With Markel](https://www.insurancejournal.com/news/national/2024/01/17/755755.htm), [Foxquilt Launches E&O Insurance for U.S. Small Businesses](https://www.agencyequity.com/articles/foxquilt-launches-eo-insurance-for-u-s-small-businesses), [Lloyd's financial strength rating upgraded by AM Best](https://www.lloyds.com/insights/media-centre/press-releases/lloyds-financial-strength-rating-upgraded-by-am-best), [Greenlight Re Gains Lloyd's Approval for Full Syndicate Status](https://news.ambest.com/NewsContent.aspx?refnum=276074&altsrc=23)

Two Markel insurers back Foxquilt in the US: State National Insurance Company, Inc. for general liability and City National Insurance Company for admitted E&O. AM Best rates both A (Excellent) with a stable outlook, affirmed in November 2025. That rating is about the insurer, not about Foxquilt, and it applies only to policies those insurers actually issue. [State National Insurance Company, Inc. | AM Best rating](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=10681), [City National Insurance Company | AM Best rating](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=22991)

### Claims and support

You file claims through an online form. Support is by phone and email on weekdays, roughly 8 to 5 Eastern. Foxquilt publishes no claim timelines, and no complaints or regulator page. [Contact Us](https://www.foxquilt.com/contact-us.html), [Sitemap](https://www.foxquilt.com/sitemap.html)

### Regulatory history

We found no enforcement actions naming Foxquilt in public sources. That isn’t a clean bill of health, because we haven’t checked FSRA or US state regulator records directly. [FSRA open data: Licensed Insurance Agents](https://www.fsrao.ca/about-fsra/corporate-reporting/open-data/licensed-insurance-agents)

## Licenses and authority

No license records are included in this assessment.

## Jurisdiction searches

| Jurisdiction | Result | Notes | Sources |
| --- | --- | --- | --- |
| Ontario, Canada (FSRA) | inaccessible | Foxquilt’s Ontario (FSRA) licence hasn’t been confirmed with the regulator. We found no listing in public sources, which proves nothing either way. | [FSRA open data: Licensed Insurance Agents](https://www.fsrao.ca/about-fsra/corporate-reporting/open-data/licensed-insurance-agents) |
| Other Canadian provinces | not-researched | Foxquilt says it is available in 7 to 8 provinces. Provincial regulator lookups were not done. | [Become a Foxquilt Agent/Broker Partner](https://www.foxquilt.com/agent-broker-partner.html), [About Us - North American Business Insurance Company](https://www.foxquilt.com/about-us.html) |
| United States, state insurance departments / NIPR | not-researched | No state producer, MGA or NIPR lookup was completed. Foxquilt says 42 US states for CGL and lists a Charlotte, NC office. | [Become a Foxquilt Agent/Broker Partner](https://www.foxquilt.com/agent-broker-partner.html) |
| North Carolina Secretary of State | inaccessible | Foxquilt Insurance Services LLC is listed as a North Carolina LLC in secondary sources; the state record hasn't been confirmed. This is a business registration, not an insurance licence. | [Foxquilt Insurance Services LLC - NC Secretary of State](https://www.sosnc.gov/online_services/search/profile_filings/17253579) |
| US and Canada enforcement / regulatory actions | not-found | Public sources show no regulatory actions against Foxquilt. Regulator registries haven’t been checked directly. |  |
| Lloyd's / AM Best | verified | AM Best rates State National and City National A (Excellent) and Lloyd’s A+ (Superior). | [About Us - North American Business Insurance Company](https://www.foxquilt.com/about-us.html), [Lloyd's financial strength rating upgraded by AM Best](https://www.lloyds.com/insights/media-centre/press-releases/lloyds-financial-strength-rating-upgraded-by-am-best), [State National Insurance Company, Inc. | AM Best rating](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=10681), [City National Insurance Company | AM Best rating](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=22991) |

## Rating dimensions

### Carrier & MGA Spot Score

No numerical factor breakdown is published for the Carrier & MGA Spot Score.

## Evidence gaps

- No licence for Foxquilt Insurance Services Inc. (Ontario/FSRA or other provinces) has been confirmed with the regulator.
- No US state producer or MGA licence has been confirmed for Foxquilt Insurance Services LLC. Its North Carolina business record hasn't been confirmed either.
- The insurer that issues Foxquilt policies in the US and Canada isn't named on any Foxquilt page we found. One trade article said the new E&O uses Markel's City National Insurance Company, but other articles didn't say so.
- 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.

## Related terms

- [What Is an Insurance Carrier?](/insurance-glossary/insurance-carrier)
- [What Is an AM Best Rating?](/insurance-glossary/am-best-rating)
- [What Is Policyholder Surplus?](/insurance-glossary/policyholder-surplus)
- [What Is Reinsurance?](/insurance-glossary/reinsurance)

## Sources

- [About Us - North American Business Insurance Company](https://www.foxquilt.com/about-us.html) — Foxquilt; Says products are built, priced and underwritten in-house; names Greenlight Re and Lloyd's coverholder as backers; offices in Toronto and Charlotte, NC; US and Canadian coverage. No insurer names for a given policy, licence numbers or ratings.; accessed 2026-09-29.
- [Commercial Insurance, Business Liability Coverage | Foxquilt](https://www.foxquilt.com/) — Foxquilt; Homepage: "backed by" Markel, Greenlight Re and Lloyd's coverholder with an "A-rating from AM Best" (not tied to a named entity); Mon-Fri 8-5 EST support.; accessed 2026-09-29.
- [Become a Foxquilt Agent/Broker Partner](https://www.foxquilt.com/agent-broker-partner.html) — Foxquilt; Says CGL and E&O are built and underwritten in-house on admitted paper; 42 US states and 7 Canadian provinces for the CGL selector; quote, bind and service in Foxden.; accessed 2026-09-29.
- [Terms of Use](https://www.foxquilt.com/terms-of-use.html) — Foxquilt; Names Foxquilt Insurance Services Inc. as operator of the website and services; Ontario governing law; contact compliance@foxquilt.com. No licence numbers.; accessed 2026-09-29.
- [Privacy Policy](https://www.foxquilt.com/privacy-policy.html) — Foxquilt; Toronto address of Foxquilt Insurance Services Inc.; says it earns commissions from insurance partners (12.5%-20% depending on product) and has no direct or indirect ownership by any insurance company.; accessed 2026-09-29.
- [Contact Us](https://www.foxquilt.com/contact-us.html) — Foxquilt; Claims are filed through an online form; separate US and Canada support numbers; weekday 8-5 EST general line. No complaints or licensing section.; accessed 2026-09-29.
- [Sitemap](https://www.foxquilt.com/sitemap.html) — Foxquilt; Lists no dedicated claims, licensing or complaints page; only privacy, terms, contact and about pages.; accessed 2026-09-29.
- [Insurtech Foxquilt Announces Capacity Partnership With Markel](https://www.insurancejournal.com/news/national/2024/01/17/755755.htm) — Insurance Journal; Jan 17, 2024: describes Foxquilt as a digital MGA and Markel Insurtech Underwriters as providing capacity for its US products. Names no specific Markel insurance company.; accessed 2026-09-29.
- [Foxquilt Launches E&O Insurance for U.S. Small Businesses](https://www.agencyequity.com/articles/foxquilt-launches-eo-insurance-for-u-s-small-businesses) — Agency Equity; Sept 1, 2026: admitted E&O in 10 states, Markel is capacity provider, Foxquilt is an MGA distributing through Foxden. Does not name the issuing insurer.; accessed 2026-09-29.
- [Munich Re backs Canadian small business insurtech Foxquilt](https://www.intelligentinsurer.com/insurance/munich-re-backs-canadian-small-business-insurtech-foxquilt-24682) — Intelligent Insurer; 2021 launch: initial Canadian products underwritten by Munich Re Innovation Syndicate with Munich Re Digital Partners; US expansion planned. Historic; current status not stated.; accessed 2026-09-29.
- [Greenlight Re Gains Lloyd's Approval for Full Syndicate Status](https://news.ambest.com/NewsContent.aspx?refnum=276074&altsrc=23) — AM Best; July 30, 2026: Greenlight Innovation Syndicate 3456 has in-principle Lloyd's approval to become a full syndicate from Jan 1, 2027. Rest of article is paywalled; Foxquilt is not mentioned in the visible part.; accessed 2026-09-29.
- [Lloyd's financial strength rating upgraded by AM Best](https://www.lloyds.com/insights/media-centre/press-releases/lloyds-financial-strength-rating-upgraded-by-am-best) — Lloyd's; 7 Aug 2024: AM Best upgraded Lloyd's to A+ (Superior), stable outlook. This is the Lloyd's market rating, not a rating of a single syndicate.; accessed 2026-09-29.
- [Westfield Agency Locator: Foxquilt Insurance Services LLC](https://my.westfieldinsurance.com/AgentLocator/AgencyDetailEntry.aspx?AgencyId=7480) — Westfield Insurance; A carrier agency directory lists a Foxquilt Insurance Services LLC. Does not say how it relates to the Toronto company.; accessed 2026-09-29.
- [Foxquilt Insurance Services LLC - NC Secretary of State](https://www.sosnc.gov/online_services/search/profile_filings/17253579) — North Carolina Secretary of State; Listed as a North Carolina LLC in secondary sources; the state record itself has not been confirmed. This is a business filing, not an insurance licence.; accessed 2026-09-29.
- [FSRA open data: Licensed Insurance Agents](https://www.fsrao.ca/about-fsra/corporate-reporting/open-data/licensed-insurance-agents) — FSRA (Ontario); Ontario licensed-agent data has not been confirmed for Foxquilt.; accessed 2026-09-29.
- [State National Insurance Company, Inc. | AM Best rating](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=10681) — AM Best; AM Best rates State National Insurance Company, Inc. A (Excellent), long-term a+, stable outlook, affirmed 21 Nov 2025. It is part of State National Group and is a Markel insurer used for Foxquilt US general liability capacity.; accessed 2026-09-29.
- [City National Insurance Company | AM Best rating](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=22991) — AM Best; AM Best rates City National Insurance Company A (Excellent), long-term a+, stable outlook, affirmed 21 Nov 2025. It is part of State National Group and is the Markel insurer identified for Foxquilt US admitted E&O.; accessed 2026-09-29.

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