Gallagher vs Mylo

Gallagher arranges business insurance and provides risk-management and employee-benefits consulting. Its technology practice serves startups through global enterprises. ^2,3

Woodruff Sawyer is now part of Gallagher. Gallagher’s transition page retains access to Woodruff Sawyer client portals. ¹

Gallagher Small Business identifies Arthur J. Gallagher Risk Management Services, LLC as its insurance-brokerage service provider. The exact producer for a former Woodruff Sawyer account should be confirmed in the engagement documents. ^5,1

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. ^14,15

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. ^15,29,30

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. ^14,16,31,32

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. ^28,29

The small-business quote link opens an advisor inquiry form asking for company and contact details, business description, coverage interests, employee count and annual revenue. Telephone and scheduled-advisor contact are also offered. This observed entry point does not establish instant binding or a turnaround time. ^8,9

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. ^14,16

Mylo’s Terms of Use say a purchase may carry additional transaction terms, require accurate and complete application answers and is not guaranteed to result in an issued policy. The posted site terms were last updated in November 2018, so buyers should review the current terms presented with a quote. ¹⁶

Gallagher describes Go for client information and self-service, Submit for submission tracking and documents, and Verify for certificate management. Confirm which tools and service team your engagement includes. ²

For former Woodruff Sawyer clients, Gallagher links WS Connect for benefits and documents, Woodruff360 for policies, claim submission and certificates, and CSR 24 for certificates and auto ID cards. ¹

Gallagher’s casualty practice describes pre-renewal meetings involving finance, HR, operations and risk-management stakeholders, alongside contract reviews and coverage-gap analysis. Confirm the renewal timetable and deliverables for your account. ¹⁰

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. ^14,17,27

Gallagher discloses brokerage commissions or fees, sometimes both, as well as possible contingent and supplemental commissions. Affiliates or other intermediaries may also earn compensation. It directs clients to their representative for placement-specific details; the disclosure provides no startup fee schedule. ⁴

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. ¹⁵