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 and Foxquilt are both Tier A, which every business insurance entry without a reputation warning receives, so the tier does not separate them. Weigh the pros, cons, pricing and Canada-specific notes below against your trade and region.
APOLLO Insurance
Tier A · ListedVancouver digital insurance broker, owned by Gallagher since August 2026, selling small business liability cover online
APOLLO is a Vancouver-based digital insurance broker and managing general agency, focused mainly on tenant insurance, that also sells general liability, professional liability and contents insurance to small businesses online. Arthur J. Gallagher & Co. announced its acquisition of Apollo Insurance Solutions Ltd. on August 5, 2026, and APOLLO's site says both APOLLO companies are subsidiaries of Arthur J. Gallagher Canada Limited. APOLLO says it manages insurance for over 500,000 Canadians and works with carriers including Lloyd's of London, Tokio Marine Canada and Zurich Canada.
Pros
- + Online quote and purchase, with policy documents emailed instantly
- + Part of Arthur J. Gallagher's Canadian brokerage operations since August 2026
- + Named carriers include Lloyd's of London, Tokio Marine Canada and Zurich Canada
- + General liability, professional liability and contents cover for independent contractors
Cons
- − Business menu is built for professions; no trade-specific pages for electricians, plumbers or HVAC
- − Site lists nine provinces and does not mention Quebec
- − Main focus is tenant insurance, according to Gallagher's acquisition release
- − No fixed business prices, only a $30-$100 a month guide for independent contractors
Canada note
APOLLO sells its business policies online: it says you can get insured instantly, on any device, any time, with policy documents emailed right away. Its business menu is built around professions such as consultants, trainers and retailers plus an Independent Contractor page, and the pages we read do not list trades such as electricians or plumbers as eligible; APOLLO notes that physical labour, heavy machinery and client property raise risk and cost. Its site lists nine provinces and does not mention Quebec.
Foxquilt
Tier A · ListedToronto-founded insurtech that develops, underwrites and sells commercial insurance for small businesses in Canada and the US
Foxquilt is an insurance technology company founded in Toronto in 2016 that, in its own words, develops, underwrites and distributes commercial insurance products for small businesses in the United States and Canada through its Foxden platform. BetaKit reported in 2023 that its lines included general liability, professional liability, workers' compensation, cyber and commercial auto. In September 2026 it launched errors and omissions cover in 10 US states with Markel as capacity partner.
Pros
- + Founded in Toronto in 2016 and still selling in Canada and the US as of September 2026
- + Develops and underwrites its own commercial insurance products
- + Automated underwriting and digital distribution through its Foxden platform
Cons
- − Premiums, eligible trades and provinces not confirmed: Foxquilt's website blocked our checks
- − Its newest product, errors and omissions cover launched in September 2026, is US-only
- − Coverage lines may differ between Canada and the US, so confirm what is sold in your province
Canada note
Foxquilt was founded in Toronto, and its September 2026 company description says it sells commercial insurance to small businesses in both Canada and the United States. Which trades, provinces and coverage lines it offers in Canada could not be checked because its website blocked our checks.
More Canada options
See all Canada business insurance vendors and the rest of the Canada directory.