Business insurance · Canada · Head-to-head

APOLLO Insurance vs Foxquilt

Two Canada business insurance options, compared side by side for Canada trades.

Which should you choose?

APOLLO Insurance edges ahead on our Canada tiering (Tier S vs A), but both are workable — the right pick depends on your trade, region, and the Canada-specific notes below.

APOLLO Insurance

Tier S · Recommended

CA-only fully-online business insurance — 24/7 purchase, all-digital

APOLLO Insurance is CA-only fully-online business insurance — 24/7 self-serve quote, bind, and purchase. Most digital-native of CA business insurance options. Best fit for CA trades wanting fastest possible time-to-coverage without any agent interaction.

Pros

+ Most digital-native CA business insurance — 24/7 purchase
+ Fastest time-to-coverage of CA options
+ Modern UI vs legacy CA broker experience

Cons

− Newer CA insurer — shorter track record than incumbents
− Limited cross-market value
− May not match price for complex trade categories

Canada note

24/7 online purchase is the structural differentiator — most CA business insurance still requires agent/broker engagement for binding.

Typical Canada pricing: Online-quoted, varies

Full review → Visit →

Foxquilt

Tier A · Workable

Canadian-built online commercial insurance — trade-specific underwriting, instant quote-to-bind

A Canadian insurtech headquartered in Toronto (founded 2016), cited as the first in Canada to offer small-business insurance fully online. It underwrites its own products with cross-border US/Canada coverage, and its differentiator is trade-specific rating — pricing carpenters, electricians, painters and locksmiths on their actual operations rather than lumping all contractors into one package.

Pros

+ Canadian-built (Toronto, 2016) insurtech
+ Trade-specific underwriting so contractors don’t subsidize unrelated trades
+ Instant online quote/purchase/documents on any device
+ Cross-border US/Canada coverage

Cons

− Newer/smaller than incumbents like Intact — shorter track record
− Underwrites a focused set of classes rather than every trade
− Complex/high-risk trades may still need a traditional broker
− Brand recognition lower than Zensurance in the CA SMB market

Canada note

Canadian-built (Toronto), cited as first in Canada to sell SMB insurance fully online. Trade-by-trade underwriting (carpenter vs electrician vs painter priced differently) is the structural differentiator, with cross-border US/CA coverage.

Typical Canada pricing: Online-quoted, varies by trade and coverage; instant quote-to-bind

Full review → Visit →

More Canada options

See all Canada business insurance vendors and the rest of the Canada directory.

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