CFC vs 
Mylo: How Do They Compare for General Liability Insurance?
Mylo brokers standalone general liability and can bundle it with property and business-interruption coverage; CFC also packages GL with property but lists casualty limits up to $6 million and targets manufacturers and e-commerce sellers.
Mylo brokers general liability that is occurrence-triggered and can be packaged into a Business Owner's Policy or sold standalone, while CFC sells general liability only bundled with commercial property in one Property & Casualty policy. 4,1,2
What Are the Key Differences Between CFC and Mylo General Liability Insurance?
A Choice to Bundle Versus a Mandatory Bundle
Mylo says it can package general liability with commercial property and business interruption into a Business Owner's Policy to save money, or sell it as a standalone policy. 4 CFC's reviewed pages describe general liability only inside its Property & Casualty policy, always bundled with commercial property.
CFC's reviewed pages describe general liability as part of one Property & Casualty policy alongside commercial property; they do not describe a standalone general liability product. 1,2Company-reported. Property & casualty product page and its product brochure; the page describes property and general liability as a single policy, not separate offerings.
Trigger and Limit Structure
Mylo says general liability coverage is triggered by the date the incident occurred, with a per-occurrence payout limit and a separate total annual payout limit, though no dollar figures are published. 4 CFC instead publishes a specific casualty limit of up to $6,000,000 for its combined policy. 2
Underwriting Appetite
Mylo's reviewed page does not describe an industry appetite or list of declined classes for general liability. 4 CFC publishes a specific appetite, favoring manufacturers, distributors and office premises while ordinarily declining manual contractors, nightclubs and aviation risks. 2
What Should You Confirm in CFC and Mylo General Liability Insurance Quotes?
- Ask Mylo which carrier is behind the quote and what its actual per-occurrence and annual limits are. 4
- Ask CFC which insurer underwrites the Property & Casualty policy for your account. 1
- If your business is in a class CFC says it ordinarily declines, ask Mylo whether it can still find a carrier willing to write it. 2
- Confirm whether Mylo's BOP-packaged price is actually lower than a standalone general liability policy for your specific risk. 4
CFC vs Mylo General Liability Insurance Compared
CFC vs Mylo: General Liability Insurance: documented features by provider
| Criteria | CFC Property & Casualty | Mylo Commercial General Liability Insurance |
|---|---|---|
| Coverage Features | The general liability portion covers products and completed operations, pollution, tenants' legal liability, non-owned and hired auto costs, employee benefits liability and medical expenses. 2Company-reported. Brochure's "General liability" section; exact wording and exclusions are set by the policy as issued. CFC says the policy covers legal costs and compensation for bodily injury or property damage claims from third parties, plus personal and advertising liability such as defamatory content, privacy violations and advertising copyright infringement. 2Company-reported. Brochure's "Bodily injury and property damage liability" and "Personal and advertising liability" sections. | Mylo describes general liability as covering third-party bodily injury, property damage, and personal and advertising injury claims, spanning three categories: continuing operations (regular business work), products and completed operations (products sold or finished jobs), and advertising claims such as alleged copyright or slogan infringement. 4Company-reported. General liability product page; the issued policy and its exclusions control. Mylo says general liability coverage is triggered by the date the incident occurred, not the date a lawsuit is filed, and that the policy has a per-occurrence payout limit and a total annual payout limit. 4Company-reported. General liability product page FAQ; specific limit amounts are not stated and depend on the issued policy. Mylo says general liability coverage extends to work performed at a client's location, including "completed operations" coverage for problems that arise after a job is finished. 4Company-reported. General liability product page FAQ. Mylo says it can package general liability with commercial property and business interruption coverage into a Business Owner's Policy to save money, in addition to selling it as a standalone policy. 4Company-reported. General liability product page. |
| Role in This Line | CFC's reviewed pages describe general liability as part of one Property & Casualty policy alongside commercial property; they do not describe a standalone general liability product. 1,2Company-reported. Property & casualty product page and its product brochure; the page describes property and general liability as a single policy, not separate offerings. | Mylo brokers general liability insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. 4Company-reported. General liability product page. |
