Business insurance ยท Canada
Foxquilt
Toronto-founded insurtech that develops, underwrites and sells commercial insurance for small businesses in Canada and the US
Market position
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.
Canada-specific 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.
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
- โ Premiums, eligible trades and provinces not confirmed: Foxquilt's website blocked our checks
- โ Its newest product, errors and omissions cover launched in September 2026, is US-only
- โ Coverage lines may differ between Canada and the US, so confirm what is sold in your province
Typical Canada pricing
Premiums are quoted per business; none are published in the sources we could read, and Foxquilt's website blocked access when checked on September 30, 2026.
Why this matters for Canada trades
Provinces and territories are responsible for apprenticeship training and trade certification; a Red Seal endorsement on a provincial or territorial certificate shows the holder passed the Red Seal exam but does not by itself certify anyone to carry on a trade. In Ontario, working in one of the 23 compulsory trades needs a valid Certificate of Qualification from Skilled Trades Ontario (or a provisional certificate or registered training agreement), only ESA-licensed contractors may do electrical work for hire, TSSA registers fuels contractors and certifies gas technicians, and WSIB says people who own or run a construction business must, with some exceptions, have WSIB coverage and register. The Canadian payroll tools listed here say they handle CRA remittances and Records of Employment; Quebec payroll adds Revenu Quรฉbec remittances, QPP, QPIP and RL-1 reporting, which not every tool covers.
Canadian trades vendor selection is shaped by provincial and territorial trade certification (with the interprovincial Red Seal endorsement), provincial safety regulators and workplace insurance boards such as Ontarioโs ESA, TSSA and WSIB, CRA payroll remittances, GST, HST and PST (some provinces charge GST and PST separately), and separate Quebec payroll rules (Revenu Quรฉbec, QPP, QPIP). Several software vendors listed here publish prices in US dollars.
Frequently asked
Is Foxquilt a good fit for Canada trades?
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. 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.
What does Foxquilt cost in Canada?
Premiums are quoted per business; none are published in the sources we could read, and Foxquilt's website blocked access when checked on September 30, 2026. Pricing and availability can change by region; confirm current Canada pricing on the vendor's site before committing.