--- title: "CNA vs Mylo: Commercial Auto Insurance" description: "CNA lists owned, hired and non-owned vehicle liability and driver programs, while Mylo compares carrier quotes and flags optional coverage for employees’ personal cars." canonical: "https://spot.insure/compare/cna-vs-mylo/commercial-auto" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "cna-vs-mylo" provider-a: "cna" provider-b: "mylo" coverage-line: "commercial-auto" --- 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/cna-vs-mylo/commercial-auto) ## Agent Guide **What this page is:** Focused comparison of CNA and Mylo for Commercial Auto Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Commercial Auto Insurance questions about CNA versus Mylo. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - CNA vs Mylo for Commercial Auto Insurance: how do they differ? - Which is better for Commercial Auto Insurance, CNA or Mylo? - What does CNA or Mylo publish about Commercial Auto Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Commercial Auto Insurance from CNA or Mylo? **Key facts:** - Line: Commercial Auto Insurance. Providers: CNA and Mylo. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [CNA vs Mylo](https://spot.insure/compare/cna-vs-mylo) — parent: all coverage lines for this pair - [Commercial Auto Insurance guide](https://spot.insure/coverage/commercial-auto) — coverage explainer for this line - [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence) - [Mylo profile](https://spot.insure/insurance-providers/mylo) — provider profile (evidence) - [CNA vs Mylo Surety Bonds](https://spot.insure/compare/cna-vs-mylo/surety-bonds) — sibling comparison (other line, or other pair for this line) - [AIG vs CNA Commercial Auto Insurance](https://spot.insure/compare/aig-vs-cna/commercial-auto) — sibling comparison (other line, or other pair for this line) - [AIG vs Mylo Commercial Auto Insurance](https://spot.insure/compare/aig-vs-mylo/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Mylo Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-mylo/commercial-auto) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs CNA Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-cna/commercial-auto) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Mylo Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-mylo/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Chubb vs Mylo Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-mylo/commercial-auto) — sibling comparison (other line, or other pair for this line) # CNA vs Mylo: How Do They Compare for Commercial Auto Insurance? CNA lists owned, hired and non-owned vehicle liability and driver programs, while Mylo compares carrier quotes and flags optional coverage for employees’ personal cars. ## Research Scope and Use Use this comparison to evaluate CNA and Mylo for Commercial Auto Insurance 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 CNA explicitly includes owned, hired and non-owned business vehicles in its liability description. Mylo compares carrier quotes and discusses optional non-owned-auto protection for employees who drive personal vehicles. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance") [7](https://choosemylo.com/business/product-commercial-auto "Commercial Auto") ## CNA Small Business Insurance: Products, Agents and Service CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. [1](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [3](https://www.cna.com/cnadisclaimer/generaldisclaimer "General Disclaimer") [CNA profile](https://spot.insure/insurance-providers/cna) ## What Is Mylo Insurance? Mylo suits small businesses wanting online quote comparisons or licensed-advisor help; firms needing complex program management should compare full-service brokers. Mylo says 95% of customers pay no fee, though some transactions carry fees. [5](https://choosemylo.com/business/business-insurance "Small Business Insurance") [6](https://choosemylo.com/our-story "About Mylo") [Mylo profile](https://spot.insure/insurance-providers/mylo) ## What Is Commercial Auto Insurance? Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://content.naic.org/insurance-topics/auto-insurance "Auto Insurance") [10](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/business-vehicle-insurance "Business Vehicle Insurance") [11](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form") ## Key Differences in Commercial Auto Insurance ### Employee Vehicles and Business Autos CNA describes liability for owned, hired and non-owned vehicles used in business. Mylo explains that non-owned-auto coverage may matter when employees use personal cars for work, including a mixed personal/work trip, and says its recommendations depend on the business and vehicle mix. Both records recognize non-owned exposures, but Mylo focuses on the employee-car scenario while CNA states its broader vehicle categories. Ask how the policy responds when an employee uses a personal car for a work errand. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance") [7](https://choosemylo.com/business/product-commercial-auto "Commercial Auto") [7](https://choosemylo.com/business/product-commercial-auto "Commercial Auto") ### Safety Services and Market Comparison CNA names Driver Distractions/Cargo Securement programs and claims support. Mylo says it compares quotes from multiple carriers and may bundle auto with personal auto or home coverage, but its product page does not identify the carrier for a particular business policy. One route emphasizes CNA's listed fleet services; the other comparison process asks you to evaluate several carrier offers. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance") [7](https://choosemylo.com/business/product-commercial-auto "Commercial Auto") [7](https://choosemylo.com/business/product-commercial-auto "Commercial Auto") ## What to Confirm in Commercial Auto Insurance Quotes - Ask Mylo which carrier, non-owned-auto terms, limits and deductible apply. [7](https://choosemylo.com/business/product-commercial-auto "Commercial Auto") [7](https://choosemylo.com/business/product-commercial-auto "Commercial Auto") - Ask CNA whether its schedule includes employee-owned vehicles and Drive Other Car. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance") ## Offering Details | Criteria | CNA Commercial Auto | Mylo Commercial Auto Insurance | | --- | --- | --- | | Role in This Line | Confirm in your quote. | Mylo brokers commercial auto insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. [7](https://choosemylo.com/business/product-commercial-auto "Commercial Auto") (Evidence: Company-reported; scope: Commercial auto product page..) | | Issuing Insurer | Confirm in your quote. | The commercial auto product page does not name the insurer that would issue a given business's policy. [7](https://choosemylo.com/business/product-commercial-auto "Commercial Auto") (Evidence: Not publicly disclosed; scope: Checked the commercial auto product page on 2026-09-23..) | | Who It’s For | Confirm in your quote. | Mylo says all states require commercial auto liability coverage for any business that owns or leases vehicles used on the job. [7](https://choosemylo.com/business/product-commercial-auto "Commercial Auto") (Evidence: Company-reported; scope: Commercial auto product page..) | | Coverage Features | CNA commercial auto covers business-use owned, hired and non-owned vehicles for bodily injury/property damage. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial auto Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..)

CNA lists automobile liability and physical damage, and an optional Drive Other Car endorsement for executives. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial auto Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | Mylo describes a commercial auto policy as potentially including mandatory bodily-injury and property-damage liability, plus optional collision, comprehensive and non-owned-auto coverage depending on the business and its vehicles. [7](https://choosemylo.com/business/product-commercial-auto "Commercial Auto") (Evidence: Company-reported; scope: Commercial auto product page coverage list; the issued policy and its exclusions control..)

Mylo recommends non-owned auto coverage for businesses whose employees drive personal vehicles for work, warning that a business can be held liable for an accident even during what a court calls a work "detour," such as a personal errand combined with a work task. [7](https://choosemylo.com/business/product-commercial-auto "Commercial Auto") (Evidence: Company-reported; scope: Commercial auto product page FAQ; a general explanation, not a specific policy's terms..) | | Limits and Retentions | Confirm in your quote. | The commercial auto product page does not publish specific liability limits, deductibles or premium ranges. [7](https://choosemylo.com/business/product-commercial-auto "Commercial Auto") (Evidence: Not publicly disclosed; scope: Checked the commercial auto product page on 2026-09-23..) | | Risk Services | CNA names Driver Distractions/Cargo Securement programs and claims support. [4](https://www.cna.com/products/commercial-auto "Commercial Auto Insurance for Businesses | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial auto Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | Confirm in your quote. | | How to Apply | Confirm in your quote. | Mylo says it recommends coverage customized to the business, compares quotes for commercial auto from top-rated carriers, and finds a combination of coverage and price; it also offers bundling with personal car or home insurance for additional savings. [7](https://choosemylo.com/business/product-commercial-auto "Commercial Auto") (Evidence: Company-reported; scope: Commercial auto product page "How will Mylo find me the right policy?" section..) | ## Full Comparison - [CNA vs Mylo](https://spot.insure/compare/cna-vs-mylo): all coverage lines, business roles, service and claims. - [What Is Commercial Auto Insurance?](https://spot.insure/coverage/commercial-auto): Commercial auto covers liability from vehicles used for work, with vehicle damage and employee personal or rented cars requiring separate quote checks. - [CNA vs Mylo Surety Bonds](https://spot.insure/compare/cna-vs-mylo/surety-bonds) - [AIG vs CNA Commercial Auto Insurance](https://spot.insure/compare/aig-vs-cna/commercial-auto) - [AIG vs Mylo Commercial Auto Insurance](https://spot.insure/compare/aig-vs-mylo/commercial-auto) - [Alliance Risk vs Mylo Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-mylo/commercial-auto) - [The Baldwin Group vs CNA Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-cna/commercial-auto) - [The Baldwin Group vs Mylo Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-mylo/commercial-auto) - [Chubb vs Mylo Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-mylo/commercial-auto) ## Sources ### CNA 1. [Insurance for Small Businesses](https://www.cna.com/solutions/small-business). CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark).. Accessed 2026-09-28. 2. [CNA Connect Small Businessowners Policy (BOP) | CNA Insurance](https://www.cna.com/products/cna-connect). CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28. 3. [General Disclaimer](https://www.cna.com/cnadisclaimer/generaldisclaimer). CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29.. Accessed 2026-09-29. 4. [Commercial Auto Insurance for Businesses | CNA Insurance](https://www.cna.com/products/commercial-auto). CNA; Coverages, endorsements, risk control, claims. Accessed 2026-09-28. ### Mylo 5. [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. 6. [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. 7. [Commercial Auto](https://choosemylo.com/business/product-commercial-auto). Mylo; Commercial auto savings for a business on the move; What commercial auto insurance do I need?; Commercial auto insurance FAQs (non-owned auto, liability vs. collision vs. comprehensive); How will Mylo find me the right policy?. Accessed 2026-09-23. ### Commercial Auto Insurance Guide 8. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Automobile: Coverage, Classification and Limits. Accessed 2026-09-16. 9. [Auto Insurance](https://content.naic.org/insurance-topics/auto-insurance). NAIC; Coverages. Accessed 2026-09-16. 10. [Business Vehicle Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/business-vehicle-insurance). Insurance Information Institute; Will My Personal Auto Policy Cover Business Use?; What Vehicles Are Covered?; What Coverage Do I Need if Employees Drive Their Personal Vehicles for Business?; Does a Business Umbrella Cover Autos?; Do I Need a Business Auto Policy?; Be Sure the Right Insured Is on the Policy. Accessed 2026-09-16. 11. [Business Auto Coverage Form](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf). Insurance Services Office, Inc.; hosted by National General; I.A, printed/PDF page 1; II.A.1, printed/PDF page 2; III.C–D, printed/PDF page 6; II.B.6, printed/PDF page 3; III.B.3, printed/PDF page 6. Accessed 2026-09-16. Updated 2026-09-30. 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. ## CNA Reviews Review Score: 9.0 / 10 from 1 rated source, equally weighted. Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews. - NerdWallet: NerdWallet editorial rating for manufacturers 4.5/5 (Editorial rating). NerdWallet editorial assessment of CNA for U.S. manufacturers, not consumer average. Period: Published 2026-03-26. Checked 2026-09-29. [Best Insurance for Manufacturers in 2026](https://www.nerdwallet.com/business/insurance/learn/manufacturers) - Trustpilot: Displayed Trustpilot TrustScore 1.4/5 page text; 1.5/5 badge (TrustScore out of 5); 49 reviews. CNA.com profile, mixed business and consumer/LTC reports; self-selected, not representative commercial P&C sample. Period: 14 reviews in prior 12 months; 2026-09-29. Checked 2026-09-29. [CNA customer reviews](https://www.trustpilot.com/review/www.cna.com) - BBB: BBB customer-review average 1/5 (BBB star rating); 6 reviews. Long Term Care Insurance profile covering headquarters/corporate locations; not commercial P&C; six self-selected reviews. Period: Displayed 2026-09-29. Checked 2026-09-29. [CNA Financial Corporation customer reviews](https://www.bbb.org/us/il/chicago/profile/long-term-care-insurance/cna-financial-corporation-0683-90032439/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/cna/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). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/cna-vs-mylo/commercial-auto.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)