At-Bay vs 
Mylo: How Do They Compare for Professional Liability (E&O) Insurance?
A business that wants someone to compare quotes from several insurers fits Mylo, which brokers professional liability and does not underwrite it. At-Bay markets its own miscellaneous professional liability up to $5 million, with its page aimed at licensed insurance professionals.
Mylo explains both claims-made and occurrence E&O, including tail coverage; At-Bay describes its MPL as claims-made-and-reported. 5,1
What Are the Key Differences Between At-Bay and Mylo Professional Liability (E&O) Insurance?
Compare Claims-Made and Occurrence Forms
Mylo explains both claims-made and occurrence E&O, including how tail coverage can extend the reporting period after a claims-made policy ends. At-Bay states that its MPL is claims-made-and-reported but does not compare it with an occurrence form. If you have past work to cover, ask how each quote treats prior acts and late-reported claims. 5 1
Broker Comparison or Product Submission
Mylo says it compares professional-liability quotes from multiple business insurers. At-Bay offers its own MPL product through its producer and broker submission channels. Mylo may help you compare providers; At-Bay gives you a named product to submit. 5 2
Identify the Carrier
Neither reviewed page names the insurer for your policy. Mylo’s carrier directory groups contacts generally rather than identifying an E&O carrier; At-Bay’s MPL page also leaves the issuer unnamed. Get the carrier and claims contact from your quote. 6 1
What Should You Confirm in At-Bay and Mylo Professional Liability (E&O) Insurance Quotes?
- Ask Mylo whether its quote options are claims-made, occurrence or both, and what tail coverage costs. 5
- Ask At-Bay which insurer will issue the MPL and what retroactive date applies. 1
- Request the specific carrier and claims-reporting process for either policy. 6 1
- Compare actual limits, retentions and premium. 5 1
At-Bay vs Mylo Professional Liability (E&O) Insurance Compared
At-Bay vs Mylo: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | At-Bay Miscellaneous Professional Liability (MPL) Insurance | Mylo Professional Liability Insurance |
|---|---|---|
| Who It’s For | At-Bay says it provides primary MPL for businesses of all revenue sizes with limits up to $5 million, subject to state restrictions and eligibility requirements detailed in a separate MPL appetite guide. 1Company-reported. Current MPL appetite paragraph; the linked appetite guide's specific eligibility requirements were not independently opened for this record. | Mylo markets this line to businesses that could face a claim from a client unhappy with their professional services, using examples spanning app development, financial planning and beauty-salon services. 5Company-reported. Product page examples; a particular business's eligibility depends on underwriting. |
| How to Apply | At-Bay directs MPL submissions to underwriting by email or through automatic quotes on its Broker Platform, which At-Bay describes as a workflow of creating a quote, customizing limits and retentions, and binding the policy. 1,4Company-reported. Current submission instructions and the general broker-platform workflow description; MPL-specific automation details were not separately confirmed. | Mylo says it recommends coverage customized to the business and compares professional liability quotes from top-rated business insurance companies to find a combination of coverage and price. 5Company-reported. Product page "How will Mylo find me the right policy?" section. |
| Coverage Features | At-Bay lists MPL coverage highlights including automatic coverage for acquired subsidiaries, claims-made-and-reported coverage, coverage for independent contractors, disciplinary-proceedings defense, a duty-to-defend contract, personal-injury coverage (including emotional distress), punitive damages where insurable, a professional-services definition written for each insured, and an 80/20 hammer clause. 1Company-reported. Product-page coverage-highlights list; an 80/20 hammer clause is a settlement provision where the insurer pays 80% and the insured pays 20% of costs after the insured declines a recommended settlement. The issued policy and declarations control actual wording, limits and exclusions. | Mylo describes the policy responding to breach-of-contract claims, bodily injury or property damage claims, financial-loss claims, and consequential-damages claims arising from a client relationship. 5Company-reported. Product page coverage descriptions; actual insuring agreements and exclusions are set by the issued policy. Mylo explains that professional liability comes in claims-made and occurrence forms, and that tail coverage can be added to a claims-made policy to extend reporting after it ends. 5Company-reported. Product page FAQ; which form and tail terms are offered depends on the placed carrier. |
| Role in This Line | At-Bay markets MPL as one of its own named insurance products, sold through its disclosed producer, At-Bay Insurance Services LLC, with the product page directed at "properly licensed insurance professionals" submitting business rather than at direct retail buyers. 1,2Company-reported. Current MPL product page and license disclosures; this describes the distribution channel, not who bears the underwriting risk. | Mylo brokers professional liability insurance by comparing quotes from multiple business insurance companies rather than underwriting the policy itself. 5Company-reported. Professional liability product page. |
