---
title: "biBerk vs Mylo"
description: "Compare biBerk’s direct small-business route with Mylo for a small company comparing direct sales with Mylo's digital agency route across commercial insurance and employee benefits."
canonical: "https://spot.insure/compare/biberk-vs-mylo"
page-type: "provider-comparison"
updated-at: "2026-09-30"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/biberk-vs-mylo)

# biBerk vs Mylo

Compare biBerk’s direct small-business route with Mylo for a small company comparing direct sales with Mylo's digital agency route across commercial insurance and employee benefits.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Highlights

Mylo is a digital insurance agency that connects small businesses with commercial coverage and employee benefits; biBerk describes a direct insurance route. Compare the service and policy issuer behind each option, especially when multiple products are bundled. [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [2](https://www.biberk.com/disclosures "Small Business Insurance From biBerk | Read Disclosures") [15](https://choosemylo.com/business/business-insurance "Small Business Insurance")

## Provider Reliability Assessments

These sourced assessments are shown for context; this comparison does not select a winner.

### biBerk

Role: Insurance carrier.

Carrier & MGA Spot Score: **No Spot Score**. Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Identity and Authority (The supplied evidence did not support a score for Identity and Authority; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best pages were not opened (bot-protection redirect). The A++ ratings are company-reported and third-party-reported, and the exact entity list on AM Best's page is unconfirmed.; NAIC complaint index could not be checked at NAIC; the only figure found is from a third-party site.; Current licence status in each state was not looked up in state DOI records. NAIC codes were seen in biBerk's disclosure and the Oregon order only.; No 50-state regulatory-action search was done; only Oregon was found through general web search.; Which insurer issues each product and state is not stated.; biBerk is a distribution brand; whether it is itself a licensed producer entity was not established.); Financial Resilience (The supplied evidence did not support a score for Financial Resilience; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best pages were not opened (bot-protection redirect). The A++ ratings are company-reported and third-party-reported, and the exact entity list on AM Best's page is unconfirmed.; NAIC complaint index could not be checked at NAIC; the only figure found is from a third-party site.; Current licence status in each state was not looked up in state DOI records. NAIC codes were seen in biBerk's disclosure and the Oregon order only.; No 50-state regulatory-action search was done; only Oregon was found through general web search.; Which insurer issues each product and state is not stated.; biBerk is a distribution brand; whether it is itself a licensed producer entity was not established.); Claims and Servicing (The supplied evidence did not support a score for Claims and Servicing; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best pages were not opened (bot-protection redirect). The A++ ratings are company-reported and third-party-reported, and the exact entity list on AM Best's page is unconfirmed.; NAIC complaint index could not be checked at NAIC; the only figure found is from a third-party site.; Current licence status in each state was not looked up in state DOI records. NAIC codes were seen in biBerk's disclosure and the Oregon order only.; No 50-state regulatory-action search was done; only Oregon was found through general web search.; Which insurer issues each product and state is not stated.; biBerk is a distribution brand; whether it is itself a licensed producer entity was not established.); Carrier-Network Strength (The supplied evidence did not support a score for Carrier-Network Strength; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best pages were not opened (bot-protection redirect). The A++ ratings are company-reported and third-party-reported, and the exact entity list on AM Best's page is unconfirmed.; NAIC complaint index could not be checked at NAIC; the only figure found is from a third-party site.; Current licence status in each state was not looked up in state DOI records. NAIC codes were seen in biBerk's disclosure and the Oregon order only.; No 50-state regulatory-action search was done; only Oregon was found through general web search.; Which insurer issues each product and state is not stated.; biBerk is a distribution brand; whether it is itself a licensed producer entity was not established.); Regulatory Conduct (The supplied evidence did not support a score for Regulatory Conduct; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best pages were not opened (bot-protection redirect). The A++ ratings are company-reported and third-party-reported, and the exact entity list on AM Best's page is unconfirmed.; NAIC complaint index could not be checked at NAIC; the only figure found is from a third-party site.; Current licence status in each state was not looked up in state DOI records. NAIC codes were seen in biBerk's disclosure and the Oregon order only.; No 50-state regulatory-action search was done; only Oregon was found through general web search.; Which insurer issues each product and state is not stated.; biBerk is a distribution brand; whether it is itself a licensed producer entity was not established.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/biberk/reliability).

### Mylo

Role: Broker.

Broker Spot Score: **5.0/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/mylo/reliability).

## biBerk Reviews

Review Score: 9.0 / 10 from 3 rated sources, equally weighted.

Customers rate biBerk well: Trustpilot shows 4.5 out of 5 from 2,620 reviews, and NerdWallet gives it 4.0. The complaints are about slow service after you buy, billing and audits, and slow refunds.

- NerdWallet: NerdWallet editorial rating 4.0 (out of 5). NerdWallet's own editorial review of biBerk as a US small-business insurer. Not a customer average. Period: updated Feb 13, 2026. Checked 2026-09-29. [biBerk Insurance Review 2026](https://www.nerdwallet.com/business/insurance/learn/biberk-insurance)
- Trustpilot: TrustScore 4.5 (out of 5); 2620 reviews. Trustpilot's biBerk profile. All lines and states; not tied to a specific policy. Period: profile accessed 2026-09-29; 714 in last 12 months. Checked 2026-09-29. [biBerk Business Insurance Reviews](https://www.trustpilot.com/review/biberk.com)
- BBB: BBB business grade A+ (BBB letter grade). BBB Omaha, NE profile for biBerk, a Berkshire Hathaway Company. Grade, reviews and complaints are separate measures. Period: profile accessed 2026-09-29. Checked 2026-09-29. [biBerk, a Berkshire Hathaway Company - BBB profile](https://www.bbb.org/us/ne/omaha/profile/insurance-agency/biberk-a-berkshire-hathaway-company-0714-300108690); [biBerk BBB customer reviews](https://www.bbb.org/us/ne/omaha/profile/insurance-agency/biberk-a-berkshire-hathaway-company-0714-300108690/customer-reviews); [biBerk BBB complaints](https://www.bbb.org/us/ne/omaha/profile/insurance-agency/biberk-a-berkshire-hathaway-company-0714-300108690/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/biberk/reviews).

## Mylo Reviews

Review Score: 7.7 / 10 from 2 rated sources, equally weighted.

Mylo has strong feedback on its Kansas City Birdeye listing, while its tiny Trustpilot sample is negative. Most available feedback mixes personal and business insurance.

- Trustpilot: TrustScore 2.9 (0–5 stars); 2 reviews. Trustpilot brand profile linked to choosemylo.com and Kansas City address; two user reviews from U.S. reviewers, both about auto-insurance shopping, not commercial policies. Trustpilot warns reviews may not be representative. Period: 0 reviews in prior 12 months; accessed 2026-09-25. Checked 2026-09-25. [Mylo Reviews | Trustpilot](https://uk.trustpilot.com/review/choosemylo.com)
- Birdeye (aggregates Google and Birdeye reviews): combined Google/Birdeye star rating 4.8 (0–5 stars); 1329 reviews. Kansas City office at 8880 Ward Pkwy #200; profile links to choosemylo.com and identifies insurance products including business, home, auto, health and group health. Birdeye shows 1,328 Google and 1 Birdeye review. Local office and mixed-product profile, not company-wide commercial-only consensus. Period: Observed 2026-09-25; 1,328 Google-origin plus one Birdeye review. Checked 2026-09-25. [Mylo, a Lockton Company | Birdeye](https://reviews.birdeye.com/mylo-a-lockton-company-155339142807839)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/mylo/reviews).

## Introduction

Choose a direct biBerk quote when its policy fits the need; consider Mylo when you want an agency to help compare commercial coverage or employee-benefit options from its markets. [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") [15](https://choosemylo.com/business/business-insurance "Small Business Insurance")



## Coverage Comparison

| Coverage Type | biBerk | Mylo |
| --- | --- | --- |
| [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Listed [6](https://www.biberk.com/small-business-insurance/business-owners-policy "Get A biBerk Business Owners Policy | Fast Online Quote") | Listed: Mylo lists a business owner’s policy among its business insurance products. [15](https://choosemylo.com/business/business-insurance "Small Business Insurance") [19](https://choosemylo.com/business/product-business-owners-policy "Business Owner’s Policy") |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed [8](https://www.biberk.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance From biBerk | Get Coverage Online") | Listed: As of September 16, 2026, Mylo invites commercial-auto quote requests and describes comparing policies from multiple insurers. [20](https://choosemylo.com/business/product-commercial-auto "Commercial Auto Insurance") |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed [5](https://www.biberk.com/small-business-insurance/cyber-insurance "Cyber Insurance & Data Breach Coverage for Business | biBerk") | Listed: Mylo invites cyber insurance quote requests and compares policies from multiple insurers. [22](https://choosemylo.com/business/product-cyber "Cyber Insurance") |
| [Employee health and benefits](https://spot.insure/coverage/employee-health-benefits) | Not listed | Listed: Mylo helps employers with 2–99 employees compare and enroll in small-group health, dental and vision plans. [28](https://choosemylo.com/groupbenefits "Small Group Benefits") |
| [General liability](https://spot.insure/coverage/general-liability) | Listed [11](https://www.biberk.com/small-business-insurance/general-liability-insurance "General Liability Insurance From biBerk | Get A Quote Today") | Listed: Mylo compares general liability quotes from insurance carriers and also offers package options. [21](https://choosemylo.com/business/product-commercial-general-liability "Commercial General Liability Insurance") |
| [Medical malpractice](https://spot.insure/coverage/medical-malpractice) | Not listed | Listed: Mylo compares medical malpractice insurance options from insurers. [23](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed [13](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk") | Listed: Mylo compares professional liability quotes for claims from clients unhappy with professional services. [24](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Not listed | Listed: Mylo compares commercial surety-bond quotes for license or permit obligations. [25](https://choosemylo.com/business/product-surety-bonds "Surety Bonds") |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed [7](https://www.biberk.com/small-business-insurance/umbrella-insurance "Umbrella Insurance From biBerk | Get Coverage Today") | Listed: Mylo compares commercial umbrella quotes from insurers. [26](https://choosemylo.com/business/product-umbrella "Commercial Umbrella Insurance") |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed [12](https://www.biberk.com/small-business-insurance/workers-compensation-insurance "Workers’ Compensation Insurance From biBerk | Get A Quote") | Listed: Mylo compares workers’ compensation options from insurers. [27](https://choosemylo.com/business/product-workers-comp "Workers’ Compensation Insurance") |

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.



## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## Key Differences Between biBerk and Mylo

### Channel and Insurer Roles

biBerk sells small-business insurance directly. Mylo describes an agency and digital distribution role, so the company on the quote and the insurer on each resulting policy may differ. [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [2](https://www.biberk.com/disclosures "Small Business Insurance From biBerk | Read Disclosures") [15](https://choosemylo.com/business/business-insurance "Small Business Insurance")

### Coverage and Business Fit

The current catalogues both list Business owner’s policy, Commercial auto. Shared labels make these useful lines to request side by side; they do not show that limits, exclusions, deductibles or forms match. biBerk offers common small-business policies and describes cyber as an add-on to certain base policies. Mylo’s coverage catalogue and product descriptions should be checked against the specific exposure you are buying for, especially business owner’s policy. [11](https://www.biberk.com/small-business-insurance/general-liability-insurance "General Liability Insurance From biBerk | Get A Quote Today") [6](https://www.biberk.com/small-business-insurance/business-owners-policy "Get A biBerk Business Owners Policy | Fast Online Quote") [8](https://www.biberk.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance From biBerk | Get Coverage Online") [15](https://choosemylo.com/business/business-insurance "Small Business Insurance") [19](https://choosemylo.com/business/product-business-owners-policy "Business Owner’s Policy") [20](https://choosemylo.com/business/product-commercial-auto "Commercial Auto Insurance") [5](https://www.biberk.com/small-business-insurance/cyber-insurance "Cyber Insurance & Data Breach Coverage for Business | biBerk")

### Application and Ongoing Service

biBerk's eligible buyers can select and pay for coverage online. Mylo offers an online application and agency process; ask whether an agent will follow up and which insurer provides each requested product. [4](https://www.biberk.com/support "biBerk Support | Small Business Insurance") [15](https://choosemylo.com/business/business-insurance "Small Business Insurance") [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online")

## What to Confirm in Quotes

- Can both providers quote Business owner’s policy, Commercial auto with the same limits, deductibles, exclusions and policy period? Ask for the forms with each proposal.
- Who is the licensed producer or broker on each quote, which insurer issues each policy, and where do you send a claim notice? Ask which product comes from which insurer, whether Mylo or a carrier services renewals, and what is included in any policy bundle. [15](https://choosemylo.com/business/business-insurance "Small Business Insurance")
- What premium, taxes, fees and commissions apply to the exact risk and term? Do not compare sample prices or payment methods without the same limits and coverage terms.

## Compare Services

What each provider documents about the services you may need.

| Criteria | biBerk | Mylo |
| --- | --- | --- |
| Business role | biBerk says it sells small-business insurance directly without an insurance broker. This is its company-reported channel description. Its California/Massachusetts notice names four insurers collectively as issuing most policies and lists each insurer’s licensed jurisdictions, but does not identify the insurer for a particular transaction, product, or policy or guarantee product availability in a jurisdiction. [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") [2](https://www.biberk.com/disclosures "Small Business Insurance From biBerk | Read Disclosures") (Evidence: Company-reported; scope: Company-reported description of biBerk’s U.S. small-business sales channel on its About page; not a claim about every transaction, product route, producer role, or policy issuer.; verified: 2026-09-28.) | Mylo describes itself as an independent insurance broker for small and growing businesses. It recommends coverage and compares available quotes from multiple insurers rather than issuing its own policies. [15](https://choosemylo.com/business/business-insurance "Small Business Insurance") [16](https://choosemylo.com/our-story "About Mylo") (Evidence: Company-reported; scope: Mylo’s direct US small-business offering. The reviewed sources establish Mylo’s described brokerage role, not the suitability or availability of a particular policy.; verified: 2026-09-15.)<br><br>Mylo says it launched within Lockton Companies in 2015 and now has Group 1001 as its backer. A May 2023 Kansas City Business Journal report said Group 1001 became the majority investor and Mylo was no longer part of Lockton; the reviewed sources did not provide a newer ownership percentage. [16](https://choosemylo.com/our-story "About Mylo") [30](https://www.group1001.com/news/insurtech-mylo-teams-with-gainbridge-to-introduce-gainbridge-protect "Insurtech Mylo Teams With Gainbridge To Introduce Gainbridge Protect") [31](https://www.bizjournals.com/kansascity/news/2023/05/23/mylo-new-owners-group-1001-guggenheim-lockton.html "Mylo Is No Longer Part Of Lockton") (Evidence: Verified; scope: Corporate history and ownership evidence reviewed through 15 September 2026. Group 1001’s backing does not establish that a Group 1001 insurer underwrites any particular Mylo placement.; verified: 2026-09-15.)<br><br>Mylo, LLC operates the website and is the named insurance agency. Its footer identifies Mylo Insurance Solutions, LLC as a trade name in California, Illinois, Michigan and North Dakota, and Mylo Solutions, LLC as a trade name in New York. [15](https://choosemylo.com/business/business-insurance "Small Business Insurance") [17](https://choosemylo.com/terms-of-use "Terms Of Use") [32](https://search.sunbiz.org/Inquiry/CorporationSearch/SearchResults?Detail=FL.DOS.Corporations.Shared.Contracts.FilingRecord&InquiryDirectionType=ForwardRecord&InquiryType=EntityName&ListNameOrder=MYLLISEXPRESS+P160000457340&SearchNameOrder=MYLO+F482990&SearchTerm=MYLKATZ+INC. "Mylo, LLC Entity Record") [33](https://www.mass.gov/doc/licensed-p-and-c-agenciespdf/download "Licensed Property And Casualty Agencies") (Evidence: Verified; scope: Entity and trade-name disclosures on ChooseMylo.com as of 15 September 2026. Massachusetts licensing and Florida corporate records corroborate Mylo, LLC’s identity but do not verify every listed trade name.; verified: 2026-09-15.)<br><br>Mylo also supplies an embedded insurance-shopping service to other companies and insurance agencies. A buyer entering through a partner should identify whether Mylo, the partner or another licensed entity is the producer for the transaction. [29](https://choosemylo.com/partner-with-us "Partner With Mylo") [30](https://www.group1001.com/news/insurtech-mylo-teams-with-gainbridge-to-introduce-gainbridge-protect "Insurtech Mylo Teams With Gainbridge To Introduce Gainbridge Protect") (Evidence: Company-reported; scope: Partner-distribution model described by Mylo and Group 1001. The sources do not establish the legal role for every partner implementation.; verified: 2026-09-15.) |
| Application process | biBerk describes an online path in which a business answers questions, chooses coverage, and pays online; it also says applicants can speak with an insurance expert. Its homepage says availability depends on the state and type of insurance; the description does not establish that every applicant can complete or bind online. [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") (Evidence: Company-reported; scope: Company-described online quote and purchase route and expert assistance for U.S. small-business applicants. The homepage states that availability depends on state and type of insurance; this is not a claim that every applicant can complete an online purchase or bind coverage.; verified: 2026-09-28.) | A business buyer can answer questions about the company and industry online or work by phone with a licensed advisor. Mylo says its system recommends coverage and compares available quotes; some carrier and coverage combinations can be purchased online, but an agent finalizes the policy in most cases. [15](https://choosemylo.com/business/business-insurance "Small Business Insurance") [17](https://choosemylo.com/terms-of-use "Terms Of Use") (Evidence: Company-reported; scope: Current direct small-business workflow described on Mylo’s site. The sources do not promise a quote, bindable offer or completion time for every applicant.; verified: 2026-09-15.)<br><br>Mylo’s Terms of Use, last updated May 27, 2026, say purchases may have additional transaction terms, require accurate and complete application answers, and may not result in an issued policy. AI-generated estimates are not quotes, binders or coverage; the carrier determines the actual offer after a complete application. [17](https://choosemylo.com/terms-of-use "Terms Of Use") (Evidence: Company-reported; scope: Website Terms §§1.2, 6 and 9.1.1, last updated May 27, 2026; not the complete terms of an individual insurance transaction or insurer policy.; verified: 2026-09-29.) |
| Coverage lines | biBerk offers cyber and data-breach protection as an add-on to General Liability, Professional Liability, or a Business Owners Policy (BOP); the page does not present this as a stand-alone product. The types of response expenses and affected-person services depend on the selected base policy and terms. [5](https://www.biberk.com/small-business-insurance/cyber-insurance "Cyber Insurance & Data Breach Coverage for Business | biBerk") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: small-business cyber add-on. Jurisdiction and availability depend on state and underwriting. Company-reported page description; the issued policy and endorsement control coverage.; verified: 2026-09-29.)<br><br>biBerk describes its small-business BOP as combining General Liability and commercial property in one policy. Its page gives examples of third-party injury/property-damage liability and protection for buildings or leased space, contents, inventory, tools, and business income after covered property damage; the issued policy controls. [6](https://www.biberk.com/small-business-insurance/business-owners-policy "Get A biBerk Business Owners Policy | Fast Online Quote") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: small-business Business Owners Policy. State availability and exact terms depend on underwriting and the issued policy. Company-reported coverage description, not a policy-form determination.; verified: 2026-09-29.)<br><br>biBerk says its umbrella coverage applies only when the claim concerns coverage included in an appropriate underlying liability policy and that policy’s limits have been reached. An umbrella does not add a line such as commercial auto when the required underlying auto coverage is absent; the issued terms control. [7](https://www.biberk.com/small-business-insurance/umbrella-insurance "Umbrella Insurance From biBerk | Get Coverage Today") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: small-business umbrella/commercial excess. In New York, biBerk calls it commercial excess. Underlying coverage and exhaustion conditions are company-described; confirm the scheduled underlying policies and issued terms.; verified: 2026-09-29.)<br><br>biBerk’s commercial-auto page lists bodily-injury and property-damage liability, medical-payments/no-fault, uninsured-motorist, comprehensive, and collision coverage examples for business vehicles. Which options apply depends on the policy selected and issued. [8](https://www.biberk.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance From biBerk | Get Coverage Online") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: small-business commercial auto. Vehicle eligibility and availability depend on underwriting and state; page examples do not establish coverage under an individual policy.; verified: 2026-09-29.)<br><br>biBerk markets General Liability insurance for small businesses and says it is offered in many states. The page does not establish availability or eligibility for a particular business or state. [11](https://www.biberk.com/small-business-insurance/general-liability-insurance "General Liability Insurance From biBerk | Get A Quote Today") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: marketed small-business General Liability line. This is a catalogue-membership claim only, not a reviewed detailed-offering conclusion or coverage determination.; verified: 2026-09-29.)<br><br>biBerk markets Professional Liability insurance, also called Errors and Omissions (E&O), for businesses seeking protection over alleged errors or omissions in professional services. This is a catalogue-membership statement, not a determination of terms or eligibility. [13](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: marketed small-business Professional Liability/E&O line. This is a catalogue-membership claim only; the page reviewed does not establish individual eligibility or policy terms.; verified: 2026-09-29.)<br><br>biBerk markets Workers’ Compensation insurance for small businesses and describes quotes and policy purchases online or with an insurance expert. State rules and underwriting determine whether it can quote a particular employer. [12](https://www.biberk.com/small-business-insurance/workers-compensation-insurance "Workers’ Compensation Insurance From biBerk | Get A Quote") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: marketed small-business Workers’ Compensation line. This is a catalogue-membership claim only, not a reviewed detailed-offering conclusion or coverage determination.; verified: 2026-09-29.) | Mylo’s current commercial catalogue lists business owner’s policies, commercial auto, general liability, cyber, medical malpractice, professional liability, surety bonds, commercial umbrella and workers’ compensation. [15](https://choosemylo.com/business/business-insurance "Small Business Insurance") [19](https://choosemylo.com/business/product-business-owners-policy "Business Owner’s Policy") [20](https://choosemylo.com/business/product-commercial-auto "Commercial Auto Insurance") [21](https://choosemylo.com/business/product-commercial-general-liability "Commercial General Liability Insurance") [22](https://choosemylo.com/business/product-cyber "Cyber Insurance") [23](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") [24](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") [25](https://choosemylo.com/business/product-surety-bonds "Surety Bonds") [26](https://choosemylo.com/business/product-umbrella "Commercial Umbrella Insurance") [27](https://choosemylo.com/business/product-workers-comp "Workers’ Compensation Insurance") (Evidence: Company-reported; scope: Directly marketed commercial offerings in the current website navigation and product pages. Commercial property is described as a BOP component, not a separately marketed product; non-owned auto is described as an optional commercial-auto component.; verified: 2026-09-15.)<br><br>Mylo describes a business owner’s policy as combining general liability, commercial property and business-interruption coverage. The actual causes of loss, property, locations, limits and interruption period depend on the offered policy. [15](https://choosemylo.com/business/business-insurance "Small Business Insurance") [19](https://choosemylo.com/business/product-business-owners-policy "Business Owner’s Policy") (Evidence: Company-reported; scope: Mylo’s general BOP description, not a specimen policy or statement that every applicant receives all described terms.; verified: 2026-09-15.)<br><br>Mylo’s commercial-auto page describes bodily-injury and property-damage liability, with collision, comprehensive and non-owned-auto coverage as possible components depending on the business and vehicles. [20](https://choosemylo.com/business/product-commercial-auto "Commercial Auto Insurance") (Evidence: Company-reported; scope: General product description. It does not establish state eligibility, required limits or the options included in a buyer’s quote.; verified: 2026-09-15.)<br><br>For medical professionals, Mylo markets claims-made and occurrence malpractice policies and says tail coverage can extend reporting under a claims-made policy. Its page treats cyber liability as separate coverage to add rather than a protection supplied by malpractice insurance alone. [23](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: Company-described medical-malpractice and cyber options. The page is not policy wording and does not identify the available insurer, state, specialty or tail period.; verified: 2026-09-15.)<br><br>Mylo markets small-group benefits to employers with 2–99 employees, including health, dental, vision, life, disability, accident and critical-illness options. It describes online or phone enrollment, a year-round HR portal and help from a licensed benefits advisor. [28](https://choosemylo.com/groupbenefits "Small Group Benefits") (Evidence: Company-reported; scope: Mylo’s small-group benefits service. Plan availability, employer contribution rules, networks and state requirements remain plan-specific.; verified: 2026-09-15.)<br><br>The reviewed public product pages do not provide current specimen policies, endorsements or a complete schedule of limits, deductibles, exclusions and state variations. Those terms must be checked in the actual quote and policy forms. [15](https://choosemylo.com/business/business-insurance "Small Business Insurance") [23](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") [17](https://choosemylo.com/terms-of-use "Terms Of Use") (Evidence: Not found in reviewed sources; scope: Public commercial product and legal pages reviewed on 15 September 2026. Not finding public forms does not mean Mylo cannot provide them during a transaction.; verified: 2026-09-15.) |
| Access to insurers | biBerk says the four insurers it names—Wellfleet Insurance Company, Berkshire Hathaway Direct Insurance Company, National Liability & Fire Insurance Company, and Wellfleet New York Insurance Company—collectively issue most policies sold by biBerk. Its California/Massachusetts notice separately lists each insurer’s domicile and licensed jurisdictions, but does not identify which insurer issues a particular product or policy or guarantee that a particular product is available in any jurisdiction. Check the insurer named in the issued policy. [2](https://www.biberk.com/disclosures "Small Business Insurance From biBerk | Read Disclosures") (Evidence: Company-reported; scope: Company disclosure provided to California and Massachusetts applicants and insureds; it describes the four named insurers collectively as issuing most policies sold by biBerk and separately lists each insurer’s domicile and licensed jurisdictions. It does not identify which insurer issues a particular product or policy or guarantee that a particular product is available in any jurisdiction.; verified: 2026-09-28.) | Mylo says its commercial brokerage works with more than 40 carrier partners and names Travelers, Liberty Mutual, The Hartford and Hiscox as examples. That panel does not establish which insurers will consider or quote a particular business. [15](https://choosemylo.com/business/business-insurance "Small Business Insurance") [18](https://choosemylo.com/contact-your-carrier "Contact Your Carrier") (Evidence: Company-reported; scope: Company-described commercial carrier panel. No account-specific market submission or insurer response was reviewed.; verified: 2026-09-15.)<br><br>Mylo’s public pages do not provide a complete product-and-state schedule of issuing insurers. The carrier contact directory names companies used for some customers, but the legal insurer for each proposed policy must be confirmed in the quote and policy documents. [15](https://choosemylo.com/business/business-insurance "Small Business Insurance") [18](https://choosemylo.com/contact-your-carrier "Contact Your Carrier") [17](https://choosemylo.com/terms-of-use "Terms Of Use") (Evidence: Not found in reviewed sources; scope: Commercial products and carrier materials publicly reviewed on 15 September 2026. A missing public schedule does not mean a carrier relationship is unavailable.; verified: 2026-09-15.) |

## Related Reading

- [What Is biBerk Insurance?](https://spot.insure/insurance-providers/biberk)
- [What Is Mylo Insurance?](https://spot.insure/insurance-providers/mylo)

## Related Comparisons

- [AIG vs biBerk](https://spot.insure/compare/aig-vs-biberk)
- [AIG vs Mylo](https://spot.insure/compare/aig-vs-mylo)
- [Alliance Risk vs biBerk](https://spot.insure/compare/alliance-risk-vs-biberk)
- [Alliance Risk vs Mylo](https://spot.insure/compare/alliance-risk-vs-mylo)
- [Amelia Risk vs biBerk](https://spot.insure/compare/amelia-risk-vs-biberk)
- [Amelia Risk vs Mylo](https://spot.insure/compare/amelia-risk-vs-mylo)
- [Aon vs biBerk](https://spot.insure/compare/aon-vs-biberk)
- [Aon vs Mylo](https://spot.insure/compare/aon-vs-mylo)
- [Armilla vs biBerk](https://spot.insure/compare/armilla-vs-biberk)
- [Armilla vs Mylo](https://spot.insure/compare/armilla-vs-mylo)
- [At-Bay vs biBerk](https://spot.insure/compare/at-bay-vs-biberk)
- [At-Bay vs Mylo](https://spot.insure/compare/at-bay-vs-mylo)
- [The Baldwin Group vs biBerk](https://spot.insure/compare/baldwin-vs-biberk)
- [The Baldwin Group vs Mylo](https://spot.insure/compare/baldwin-vs-mylo)
- [Beazley vs biBerk](https://spot.insure/compare/beazley-vs-biberk)
- [Beazley vs Mylo](https://spot.insure/compare/beazley-vs-mylo)
- [Berkshire Hathaway Specialty Insurance vs biBerk](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-biberk)
- [Berkshire Hathaway Specialty Insurance vs Mylo](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-mylo)
- [biBerk vs CFC](https://spot.insure/compare/biberk-vs-cfc)
- [biBerk vs Chubb](https://spot.insure/compare/biberk-vs-chubb)
- [biBerk vs CNA](https://spot.insure/compare/biberk-vs-cna)
- [biBerk vs Coalition](https://spot.insure/compare/biberk-vs-coalition)
- [biBerk vs Corgi](https://spot.insure/compare/biberk-vs-corgi)
- [biBerk vs Coterie Insurance](https://spot.insure/compare/biberk-vs-coterie)
- [biBerk vs Counterpart](https://spot.insure/compare/biberk-vs-counterpart)
- [biBerk vs Coverdash](https://spot.insure/compare/biberk-vs-coverdash)
- [biBerk vs Cowbell](https://spot.insure/compare/biberk-vs-cowbell)
- [biBerk vs Embroker](https://spot.insure/compare/biberk-vs-embroker)
- [biBerk vs Founder Shield](https://spot.insure/compare/biberk-vs-foundershield)
- [CFC vs Mylo](https://spot.insure/compare/cfc-vs-mylo)
- [Chubb vs Mylo](https://spot.insure/compare/chubb-vs-mylo)
- [CNA vs Mylo](https://spot.insure/compare/cna-vs-mylo)
- [Coalition vs Mylo](https://spot.insure/compare/coalition-vs-mylo)
- [Corgi vs Mylo](https://spot.insure/compare/corgi-vs-mylo)
- [Coterie Insurance vs Mylo](https://spot.insure/compare/coterie-vs-mylo)
- [Counterpart vs Mylo](https://spot.insure/compare/counterpart-vs-mylo)
- [Coverdash vs Mylo](https://spot.insure/compare/coverdash-vs-mylo)
- [Cowbell vs Mylo](https://spot.insure/compare/cowbell-vs-mylo)
- [Embroker vs Mylo](https://spot.insure/compare/embroker-vs-mylo)

## Sources

### [biBerk Official Website](https://www.biberk.com/)

1. [About biBerk | Making Small Business Insurance Simple](https://www.biberk.com/about-biberk). biBerk; Making small business insurance simple and direct sales without an insurance broker, lines 72–89; online assistance, lines 76–78. Accessed 2026-09-28.
2. [Small Business Insurance From biBerk | Read Disclosures](https://www.biberk.com/disclosures). biBerk; California/Massachusetts applicants and insureds notice: collective insurer statement and no-guarantee qualification, lines 73–75; each insurer’s NAIC code, domicile, and licensed jurisdictions, lines 76–88. Accessed 2026-09-28.
3. [Small Business Insurance From biBerk | Get A Quote Online](https://www.biberk.com/). biBerk; Online purchase steps, lines 183–197; small-business audience and industries, lines 231–238; state/type availability, lines 290–295. Accessed 2026-09-28.
4. [biBerk Support | Small Business Insurance](https://www.biberk.com/support). biBerk; Common Support Requests, My Policy and Start a Claim routes, lines 47–75. Accessed 2026-09-28.
5. [Cyber Insurance & Data Breach Coverage for Business | biBerk](https://www.biberk.com/small-business-insurance/cyber-insurance). biBerk; “What is data breach insurance and Cyber insurance add-on coverage?” (lines 76–78); “Cyber Insurance Add-on Coverage” (lines 103–107); attach options reiterated at lines 160–162. Accessed 2026-09-29.
6. [Get A biBerk Business Owners Policy | Fast Online Quote](https://www.biberk.com/small-business-insurance/business-owners-policy). biBerk; “What is a Business Owners Policy?” (lines 77–80); liability and property examples (lines 104–146); endorsements (lines 182–205). Accessed 2026-09-29.
7. [Umbrella Insurance From biBerk | Get Coverage Today](https://www.biberk.com/small-business-insurance/umbrella-insurance). biBerk; “How does Umbrella insurance work?” (lines 87–96): appropriate underlying liability policy and its limits must be reached; example at lines 97–99. Accessed 2026-09-29.
8. [Commercial Auto Insurance From biBerk | Get Coverage Online](https://www.biberk.com/small-business-insurance/commercial-auto-insurance). biBerk; “What does Commercial Auto insurance cover?”: bodily injury, property damage, medical payments/no-fault, uninsured motorist, comprehensive and collision examples (lines 116–148). Accessed 2026-09-29.
9. [Small Business Insurance From biBerk | Read Disclosures](https://www.biberk.com/disclosures). biBerk; Notice to California and Massachusetts Applicants and Insureds: four insurers collectively issue most policies, no-guarantee limitation, company codes, domicile and licensed jurisdictions, lines 73–88. Accessed 2026-09-29.
10. [About biBerk | Making Small Business Insurance Simple](https://www.biberk.com/about-biberk). biBerk; Official page title and body identify the biBerk brand and link to biBerk.com; accessed for brand capitalization and site identity only. Accessed 2026-09-29.
11. [General Liability Insurance From biBerk | Get A Quote Today](https://www.biberk.com/small-business-insurance/general-liability-insurance). biBerk; Small-business General Liability product and online/phone quote route (lines 73–79); state availability FAQ (lines 231–233). Accessed 2026-09-29.
12. [Workers’ Compensation Insurance From biBerk | Get A Quote](https://www.biberk.com/small-business-insurance/workers-compensation-insurance). biBerk; Workers’ Compensation product, quote and purchase routes (lines 73–81, 93–100); work-injury coverage description (lines 102–104). Accessed 2026-09-29.
13. [Professional Liability Insurance | Talk To biBerk](https://www.biberk.com/small-business-insurance/professional-liability-insurance). biBerk; Professional Liability/E&O product and online/phone quote and purchase route (lines 73–88). Accessed 2026-09-29.
14. [biBerk Insurance Review 2026: Berkshire Hathaway’s Basic Online Storefront](https://www.nerdwallet.com/business/insurance/learn/biberk-insurance). NerdWallet; “BiBerk pros and cons” (lines 337–343) and “Lots of complaints filed with state regulators” (lines 355–360); rating-factor methodology, including the 2022–2024 commercial general liability/property complaint finding and lowest possible complaint-factor score (lines 376–383); review updated February 13, 2026. Accessed 2026-09-29.

### [Mylo Official Website](https://choosemylo.com/)

15. [Small Business Insurance](https://choosemylo.com/business/business-insurance). Mylo; Hero; What Insurance Does A Small Business Need (Business Owners Policy listing); Get My Quote; Business Insurance FAQs; commercial-product navigation; footer legal disclosure. Accessed 2026-09-16.
16. [About Mylo](https://choosemylo.com/our-story). Mylo; Your Digital One-Stop Shop; The Broker Advantage; Proven Heritage, Powerful Future; About Mylo FAQs. Accessed 2026-09-15.
17. [Terms Of Use](https://choosemylo.com/terms-of-use). Mylo; Effective February 21, 2017; last updated May 27, 2026; introduction identifying Mylo, LLC; §1.2 additional transaction terms; §§6.1–6.5 policy and service information, application accuracy and issuance limitations; §9.1.1 AI-generated estimates in AI Platform conversations and carrier determination after complete application on Mylo’s website; trade-name footer. Accessed 2026-09-29.
18. [Contact Your Carrier](https://choosemylo.com/contact-your-carrier). Mylo; Carrier contact instructions; business-insurance support and claims entries; Mylo Service Professional fallback. Accessed 2026-09-15.
19. [Business Owner’s Policy](https://choosemylo.com/business/product-business-owners-policy). Mylo; Business Owners Policy product opening; Get My Quote; How will Mylo find me the right policy?; related business-product navigation. Accessed 2026-09-16.
20. [Commercial Auto Insurance](https://choosemylo.com/business/product-commercial-auto). Mylo; Commercial Auto Savings For A Business On The Move; What Commercial Auto Insurance Do I Need; How will Mylo find me the right policy?; quote invitation; FAQs. Accessed 2026-09-16.
21. [Commercial General Liability Insurance](https://choosemylo.com/business/product-commercial-general-liability). Mylo; Why general liability?; How will Mylo find me the right general liability?; quote comparisons and BOP packaging; related business-product navigation. Accessed 2026-09-16.
22. [Cyber Insurance](https://choosemylo.com/business/product-cyber). Mylo; Think You Don’t Need Cyber Insurance; quote invitation; comparison of business-insurance companies; related business-product navigation. Accessed 2026-09-16.
23. [Medical Malpractice Insurance](https://choosemylo.com/medical-malpractice). Mylo; Medical Malpractice Insurance Is Professional Liability; What Types Of Coverage Are Available; cyber section; FAQs; Protect your healthy reputation; quote-comparison and customization paragraphs. Accessed 2026-09-16.
24. [Professional Liability Insurance](https://choosemylo.com/business/product-professional-liability). Mylo; Professional Liability? But I Do Good Work (claims from clients unhappy with your work); Start My Quote; Mylo compares quotes from top-rated business insurance companies; related business-product navigation. Accessed 2026-09-16.
25. [Surety Bonds](https://choosemylo.com/business/product-surety-bonds). Mylo; Surety Bonds Show You Mean Business (license and permit obligations; Mylo compares quotes from top surety bond providers); How Does A Surety Bond Work (three-way agreement); quote calls to action; FAQs. Accessed 2026-09-16.
26. [Commercial Umbrella Insurance](https://choosemylo.com/business/product-umbrella). Mylo; Commercial umbrella product page: add-on above general liability, commercial auto and workers’ comp limits; related business-product navigation. Accessed 2026-09-16.
27. [Workers’ Compensation Insurance](https://choosemylo.com/business/product-workers-comp). Mylo; Workers’ Comp? What’s In It For Me; Mylo compares quotes from insurers; Get My Quote; state-fund states referral; related business-product navigation. Accessed 2026-09-16.
28. [Small Group Benefits](https://choosemylo.com/groupbenefits). Mylo; Hero for employers with 2–99 employees; health, dental and vision benefit categories; enrollment, HR portal and licensed benefits advisor; Get My Quote. Accessed 2026-09-16.
29. [Partner With Mylo](https://choosemylo.com/partner-with-us). Mylo; Insurance-agency and other-industry paths; embedded offering categories; carrier statement; demo request. Accessed 2026-09-15.
30. [Insurtech Mylo Teams With Gainbridge To Introduce Gainbridge Protect](https://www.group1001.com/news/insurtech-mylo-teams-with-gainbridge-to-introduce-gainbridge-protect). Group 1001; 26 September 2023 announcement; Amplifi description; statement that Mylo and Gainbridge are backed by Group 1001; About Mylo and About Group 1001. Accessed 2026-09-15.
31. [Mylo Is No Longer Part Of Lockton](https://www.bizjournals.com/kansascity/news/2023/05/23/mylo-new-owners-group-1001-guggenheim-lockton.html). Kansas City Business Journal; Headline and article preview; 23 May 2023; prior minority investor described as new majority investor. Accessed 2026-09-15.
32. [Mylo, LLC Entity Record](https://search.sunbiz.org/Inquiry/CorporationSearch/SearchResults?Detail=FL.DOS.Corporations.Shared.Contracts.FilingRecord&InquiryDirectionType=ForwardRecord&InquiryType=EntityName&ListNameOrder=MYLLISEXPRESS+P160000457340&SearchNameOrder=MYLO+F482990&SearchTerm=MYLKATZ+INC.). Florida Department of State, Division of Corporations; Document M17000007667; foreign Missouri LLC; active; 2026 annual report filed 30 April 2026. Accessed 2026-09-15.
33. [Licensed Property And Casualty Agencies](https://www.mass.gov/doc/licensed-p-and-c-agenciespdf/download). Massachusetts Division of Insurance; Page 114; Mylo, LLC; NPN 18590034; original approval 29 November 2017; renewal 29 November 2026. Accessed 2026-09-15.
34. [Licensed Surplus Lines Broker Agencies](https://www.mass.gov/doc/licensed-surplus-lines-brokers-agenciespdf-0/download). Massachusetts Division of Insurance; Mylo, LLC; NPN 18590034; original approval 20 December 2017; renewal 20 December 2026. Accessed 2026-09-15.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/biberk-vs-mylo.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)