---
title: "Chubb vs Mylo Business Owner’s Policy"
description: "Chubb underwrites its own BOP; Mylo shops more than 40 carriers, including The Hartford and Hiscox, for a three-part BOP bundle."
canonical: "https://spot.insure/compare/chubb-vs-mylo/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/chubb-vs-mylo/business-owners-policy)

# Chubb vs Mylo Business Owner’s Policy

Chubb underwrites its own BOP; Mylo shops more than 40 carriers, including The Hartford and Hiscox, for a three-part BOP bundle.

## Research Scope and Use

Use this comparison to evaluate Chubb and Mylo for Business Owner’s Policy against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Chubb underwrites a BOP and markets a Total Account Solution to add other Chubb lines to the same account. Mylo brokers a BOP by comparing quotes from more than 40 A-rated carriers, naming Travelers, Liberty Mutual, The Hartford and Hiscox as examples, and describes general liability, commercial property and actual-loss-sustained interruption in one package. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [7](https://choosemylo.com/business/business-insurance "Business Insurance") [9](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy")

## What Is Chubb?

Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. [1](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

[Chubb profile](https://spot.insure/insurance-providers/chubb)

## What Is Mylo Insurance?

Mylo is an independent insurance broker for small and growing businesses. It recommends coverage and compares available quotes from multiple carriers online or with a licensed advisor; the insurer named on the resulting policy provides the coverage. [7](https://choosemylo.com/business/business-insurance "Business Insurance") [8](https://choosemylo.com/our-story "About Mylo")

[Mylo profile](https://spot.insure/insurance-providers/mylo)

## What Is a Business Owner’s Policy?

A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. [10](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy "Business Interruption and Business Owner Policy")

## Key Differences in Business Owner’s Policy

### Same-Carrier Account Versus a Panel

Chubb underwrites the BOP and markets a Total Account Solution so a BOP holder can add umbrella, workers’ compensation, commercial auto, ForeFront management liability and Cyber ERM/DigiTech ERM from Chubb. Mylo compares BOP quotes across more than 40 A-rated carriers and names Travelers, Liberty Mutual, The Hartford and Hiscox, without saying which carrier would issue a given BOP. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [7](https://choosemylo.com/business/business-insurance "Business Insurance")

### Interruption Language

Mylo describes business interruption for actual loss sustained during a covered shutdown, alongside general liability and commercial property. Chubb’s reviewed BOP page emphasizes optional enhancements such as privacy and data breach, EPL, foreign liability with kidnap and ransom, equipment breakdown, water backup and crime, and does not publish an actual-loss-sustained interruption definition. [9](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance")

### Shopping Path

Mylo says you can shop through Mind of Mylo or by phone at 844-863-5950, with agents licensed in all 50 states. Chubb offers an online BOP quote or an appointed agent with a Chubb Appointment. [7](https://choosemylo.com/business/business-insurance "Business Insurance") [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance")

## What to Confirm in Business Owner’s Policy Quotes

- Ask Mylo which named carrier actually quoted. [7](https://choosemylo.com/business/business-insurance "Business Insurance")
- Ask Chubb whether interruption is in the base form and on what valuation. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance")
- If you want other lines on one issuer, compare Chubb’s Total Account Solution with Mylo’s mix of carriers. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [7](https://choosemylo.com/business/business-insurance "Business Insurance")
- Neither page publishes standard BOP limits. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [9](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy")

## Offering Details

| Criteria | Chubb Business Owner's Policy (BOP) Insurance | Mylo Business Owner's Policy |
| --- | --- | --- |
| Role in This Line | Chubb underwrites its Business Owner's Policy directly, combining property and liability coverage into a single package positioned as the foundation of a small business's insurance portfolio. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: Chubb BOP product page; describes Chubb's own packaged small-business offering..) | Mylo brokers a business owner's policy by comparing quotes from multiple carriers rather than underwriting the policy itself. [9](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") [7](https://choosemylo.com/business/business-insurance "Business Insurance") (Evidence: Company-reported; scope: BOP product page and the business-insurance overview page..) |
| Issuing Insurer | Not described in the reviewed sources. | Mylo says it partners with more than 40 A-rated commercial insurance carriers and names Travelers, Liberty Mutual, The Hartford and Hiscox as examples, but neither page identifies which carrier would issue a specific business's BOP. [7](https://choosemylo.com/business/business-insurance "Business Insurance") (Evidence: Company-reported; scope: Business-insurance overview page FAQ; the carrier panel is described company-wide, not BOP-specific..) |
| Who It’s For | Chubb says its BOP is available to small businesses with up to $30 million in revenue across more than 500 business classes, including technology, healthcare, retail, manufacturing and financial services. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: Chubb BOP eligibility list; a specific business's eligibility depends on underwriting..) | Mylo's business-insurance overview page lists a BOP among the coverages most owners start with, alongside commercial auto, workers' compensation and commercial umbrella, and says it gives each business a personalized coverage recommendation. [7](https://choosemylo.com/business/business-insurance "Business Insurance") (Evidence: Company-reported; scope: Business-insurance overview page..) |
| Coverage Features | Chubb lists optional BOP enhancements including privacy and data breach coverage, employment practices liability, foreign liability with kidnap and ransom, equipment breakdown, water backup and sump overflow, and crime coverage such as forgery and employee dishonesty. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: Chubb BOP coverage-highlights list; availability of any enhancement depends on the issued policy and state..) | Mylo describes its BOP as bundling three coverages: general liability for third-party bodily injury, property damage and advertising-injury claims; commercial property for damage to a business's building and business personal property from causes such as fire, storm, theft or vandalism; and business interruption for lost income (actual loss sustained) during a covered shutdown. [9](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") (Evidence: Company-reported; scope: BOP product page coverage sections; the issued policy and its exclusions control..)<br><br>Mylo says packaging these three coverages in a BOP instead of buying them separately typically costs less and can provide better coverage than buying each individually. [9](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") (Evidence: Company-reported; scope: BOP product page FAQ; a general company statement, not a quoted savings figure for any specific business..) |
| Limits and Retentions | The reviewed BOP page does not publish specific coverage limits, sublimits or deductibles for the base policy or its enhancements. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Not found in reviewed sources; scope: Chubb BOP product page as read on 2026-09-23..) | Neither the BOP product page nor the business-insurance overview page publishes specific coverage limits, deductibles or premium ranges. [9](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") [7](https://choosemylo.com/business/business-insurance "Business Insurance") (Evidence: Not publicly disclosed; scope: Checked both pages on 2026-09-23..) |
| Risk Services | Chubb markets a 'Total Account Solution' that lets a BOP holder add umbrella, workers' compensation, commercial auto, ForeFront management liability and Cyber ERM/DigiTech ERM coverage from the same carrier. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: Chubb BOP product page; each added line is underwritten and priced separately..) | Not described in the reviewed sources. |
| How to Apply | You can request a Chubb BOP quote online, or an appointed independent agent or broker can apply for a Chubb Appointment to place the policy on your behalf. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: Chubb BOP product page call-to-action sections for business owners and for agents and brokers..) | Mylo says a buyer can shop for a BOP online through its Mind of Mylo recommendation tool or by phone with a licensed advisor (844-863-5950), and that Mylo has agents licensed in all 50 states. [7](https://choosemylo.com/business/business-insurance "Business Insurance") (Evidence: Company-reported; scope: Business-insurance overview page FAQ..) |
| Claims Support | Chubb reports 24/7 claims reporting and a dedicated Small Commercial claims email address, and says 93% of policyholders with a paid claim from 2022-2025 were highly satisfied with their claim experience. [6](https://www.chubb.com/us-en/claims.html "Claims") [5](https://www.chubb.com/us-en/claims/report-claim.html "Report a Claim") (Evidence: Company-reported; scope: Claims and report-a-claim pages describe claims handling across Chubb's commercial book generally, not exclusively for BOP; the satisfaction figure is a company-reported survey result..) | Not described in the reviewed sources. |

## Full Comparison

- [Chubb vs Mylo](https://spot.insure/compare/chubb-vs-mylo): all coverage lines, business roles, service and claims.
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy): A business owner's policy (BOP) combines property, general liability and business interruption coverage for eligible businesses.
- [Chubb vs Mylo Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-mylo/commercial-auto)
- [Chubb vs Mylo Cyber Insurance](https://spot.insure/compare/chubb-vs-mylo/cyber)
- [Chubb vs Mylo General Liability Insurance](https://spot.insure/compare/chubb-vs-mylo/general-liability)
- [Chubb vs Mylo Professional Liability (E&O) Insurance](https://spot.insure/compare/chubb-vs-mylo/professional-errors-omissions)
- [Chubb vs Mylo Surety Bonds](https://spot.insure/compare/chubb-vs-mylo/surety-bonds)
- [Chubb vs Mylo Umbrella and Excess Liability Insurance](https://spot.insure/compare/chubb-vs-mylo/umbrella-excess)
- [Chubb vs Mylo Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-mylo/workers-compensation)
- [Alliance Risk vs Chubb Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-chubb/business-owners-policy)
- [Alliance Risk vs Mylo Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-mylo/business-owners-policy)
- [Amelia Risk vs Chubb Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-chubb/business-owners-policy)
- [Amelia Risk vs Mylo Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-mylo/business-owners-policy)
- [Chubb vs Corgi Business Owner’s Policy](https://spot.insure/compare/chubb-vs-corgi/business-owners-policy)
- [Chubb vs Coterie Insurance Business Owner’s Policy](https://spot.insure/compare/chubb-vs-coterie/business-owners-policy)

## Sources

### Chubb

1. [Insurance for Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Commercial package insurance section naming BOP, Benchmarq and Customarq as Chubb's three package policy options for small and midsize businesses. Accessed 2026-09-23.
2. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
3. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
4. [Business Owner's Policy (BOP) Insurance](https://www.chubb.com/us-en/business-insurance/chubb-bop.html). Chubb; Chubb BOP Insurance Eligibility: up to $30M revenue, 500+ business classes; Chubb BOP Coverage Highlights: optional property and liability enhancements; Total Account Solution: umbrella, workers' compensation, commercial auto, ForeFront, Cyber ERM/DigiTech ERM. Accessed 2026-09-23.
5. [Report a Claim](https://www.chubb.com/us-en/claims/report-claim.html). Chubb; Email first-notice contacts, including Small Commercial claims.smallbusiness@chubb.com; phone, online and mail reporting options. Accessed 2026-09-23.
6. [Claims](https://www.chubb.com/us-en/claims.html). Chubb; 24/7 claims response; 2,000+ North America Claims Professionals; 93% of clients with a paid claim highly satisfied, based on 2022-2025 survey. Accessed 2026-09-23.

### Mylo

7. [Business Insurance](https://choosemylo.com/business/business-insurance). Mylo; What insurance does a small business need?; Why Mylo? (40+ top-rated commercial insurance partners, 4.8 Google rating, BBB Accredited); What insurance carriers do you work with?; How do I shop for insurance with Mylo?. Accessed 2026-09-23.
8. [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.
9. [Business Owner's Policy](https://choosemylo.com/business/product-business-owners-policy). Mylo; Like you, a BOP can do three things at once!; Coverage #1: general liability; Coverage #2: commercial property; Coverage #3: Business Interruption; Business Owner Policy FAQs. Accessed 2026-09-23.

### Business Owner’s Policy Guide

10. [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy). National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [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/chubb-vs-mylo/business-owners-policy.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)