Corgi vs Mylo: How Do They Compare for Business Insurance?

Startup packages can combine general liability, D&O, Tech E&O, cyber, media, employment practices, fiduciary and hired/non-owned auto; Corgi also offers a Tech & AI Liability module. ^2,8,10Company-reportedWebsite product labels and package descriptions. Labels are not equivalent coverage, and website summaries are not policy wording.

If you need D&O, Corgi’s example shows claims-made protection for directors, officers and the company under form CORG-DO-0100, issued by Technology Risk Retention Group. The example puts defense costs inside the limit and has a $25,000 per-claim retention; your policy controls. ⁵Company-reportedPublic product-page summary last reviewed 24 April 2026 on the page itself; illustrative limits and retentions may differ from a buyer’s policy.

A package that includes property needs another insurer if its liability policy uses a risk retention group, because such groups can write business liability but not property coverage. ^19,21VerifiedStatutory limit on what an RRG may write. It does not by itself prove which Corgi product sits on which paper.

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. ^{23,27,28,29,30,31,32,33,34,35}Company-reportedDirectly 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.

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. ^23,27Company-reportedMylo’s general BOP description, not a specimen policy or statement that every applicant receives all described terms.

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. ²⁸Company-reportedGeneral product description. It does not establish state eligibility, required limits or the options included in a buyer’s quote.

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. ³¹Company-reportedCompany-described medical-malpractice and cyber options. The page is not policy wording and does not identify the available insurer, state, specialty or tail period.

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. ³⁶Company-reportedMylo’s small-group benefits service. Plan availability, employer contribution rules, networks and state requirements remain plan-specific.

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. ^23,31,25Not found in reviewed sourcesPublic commercial product and legal pages reviewed on 15 September 2026. Not finding public forms does not mean Mylo cannot provide them during a transaction.

You can apply online or book a specialist call, and Corgi says eligible applicants may quote in minutes and buy the same day; confirm in writing whether coverage starts at policy issuance/payment or under a binder and the effective date. ^2,1Company-reportedCompany website process claims and Binding Authority and Policy Issuance disclosure, rechecked on 15 September 2026. The disclosure's first paragraph requires policy issuance and payment, while its next paragraph describes temporary binder coverage; this record does not resolve which conditions apply to a particular placement. Quote speed is not independently verified and is not the same as coverage being in force. A self-serve path is not evidence of zero producer commissions or fees.

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. ^23,25Company-reportedCurrent direct small-business workflow described on Mylo’s site. The sources do not promise a quote, bindable offer or completion time for every applicant.

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. ²⁵Company-reportedWebsite 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.

Ask for the commission or customer fee on your policy because Corgi Insurance Services may receive either from you or the insurer. ¹Company-reportedProducer compensation disclosure. Website, self-serve, or other direct distribution is not a finding of zero commissions or fees. Specific amounts were not published in the reviewed sources.

Corgi gives annual price examples of $2,000–$5,000 for eligible pre-seed/seed startups and $5,000–$15,000 for Series A; your quote depends on risk, state, coverage and limits. ^2,6,7Company-reportedCompany-reported ranges and a marketing savings claim, not comparable quotes. They are not premiums for a defined risk, limit, retention, or policy period. “Underwrites directly” is not a finding of zero producer commissions or fees, and no public methodology for the 30 percent figure was found.

Mylo says its guided shopping service is free and that 95% of customers do not pay Mylo a fee when purchasing. It generally earns a carrier commission; in fewer than 5% of transactions, it says it charges a fee when it handles billing and incurs higher administrative costs. The reviewed disclosure does not give the fee amount. ²⁴Company-reportedCompany-wide consumer disclosure on Mylo’s About page. It does not identify the commission or fee for a specific commercial placement.

You can add or upgrade policies through Corgi’s dashboard as funding, hiring or contract needs change; renewal and cancellation remain subject to your policy and state rules. ^2,1Company-reportedCompany description of post-bind servicing and cancellation. Actual endorsement terms remain in the policy. This does not establish a specific renewal guarantee or a finding that renewals are unavailable.

The reviewed public pages identify Mylo advisors, a service-professional fallback and a benefits HR portal, but do not establish one universal workflow for commercial policy changes, certificates, renewals or cancellations across carriers. ^23,26,36Not found in reviewed sourcesPublic direct-business, carrier-contact and group-benefits pages reviewed on 15 September 2026. Carrier- or policy-specific service may still be available.

Corgi says its claims team can help with reporting, documents, legal coordination and updates, but an affiliate or third-party administrator may handle the file; the named insurer decides coverage and payment. ^1,2,12Company-reportedCompany claims-handling and TPA disclosures. Offering claims administration is not a measure of claims-payment quality, and the TPA announcement does not by itself identify the administrator on a Corgi-issued policy.

Mylo publishes carrier-specific support and claims contacts and directs customers to the insurer for many service needs. If a carrier is not listed, the page gives a Mylo Service Professional number; it does not promise that Mylo decides or pays claims. ²⁶Company-reportedPublic service directory for existing customers. Claim reporting duties and deadlines remain controlled by the applicable policy and insurer instructions.