Gallagher vs 
Mylo: How Do They Compare for Umbrella and Excess Liability Insurance?
Mylo has a licensed agent review the business and compares quotes from multiple carriers; Gallagher places umbrella through its casualty practice with gap analysis and contract review.
Mylo compares umbrella quotes from several insurers and says most policies add $1 million to $15 million. Gallagher builds umbrella and excess into a full casualty program, with pre-renewal planning, gap analysis and a claims advocacy team, but publishes no limits. 1,2
What Are the Key Differences Between Gallagher and Mylo Umbrella and Excess Liability Insurance?
Quick Comparison Versus a Managed Program
A 20-person firm that needs a $2 million umbrella for a new contract wants prices side by side, which is what Mylo delivers from several insurers. A company with a risk manager and a multi-policy casualty program gets more from Gallagher. Gallagher meets your finance, HR, operations and risk teams before renewal, runs a gap analysis and contract review, and provides a claims and loss-control advocacy group. Choose Mylo if you need one umbrella quote fast; choose Gallagher if umbrella is one piece of a larger liability program you want designed and defended. 2 1
What You Know About Limits Up Front
Mylo tells you most policies add $1 million to $15 million over your underlying limits, and that you can’t buy umbrella without an underlying policy. Gallagher publishes no limits, attachment points or prices; it says structure and pricing are built around your current and future needs. Both are brokers placing the layer with other insurers. 2 1
What Should You Confirm in Gallagher and Mylo Umbrella and Excess Liability Insurance Quotes?
- Ask Mylo where your quote falls in its $1–15 million range. 2
- Ask Gallagher whether custom excess design or alternative-risk programs make sense for you. 1
- If a contract or overseas limit drives the purchase, ask Mylo which policies the umbrella sits over. 2
- Ask both which insurer issues the policy. 1 2
Gallagher vs Mylo Umbrella and Excess Liability Insurance Compared
Gallagher vs Mylo: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | Gallagher Umbrella/Excess Liability Insurance | Mylo Commercial Umbrella Insurance |
|---|---|---|
| Coverage Features | Gallagher groups umbrella/excess liability with automobile liability, workers' compensation and general/product liability under its casualty practice, offering "customized excess casualty program design and placement" and non-traditional alternative risk programs, but does not describe specific attachment points, exclusions or triggers. 1Company-reported. Group-level casualty practice page; a service description, not a specific policy's insuring agreement. | Mylo describes commercial umbrella as extra liability protection that takes over once a business exhausts the limits of its general liability, commercial auto or workers' compensation policies, and says it cannot be purchased or used on its own without an underlying policy in place. 2Company-reported. Commercial umbrella product page; the issued policy and its exclusions control. |
| Role in This Line | Gallagher's Casualty practice places umbrella and excess liability coverage with outside carriers as one line within a broader casualty program; it does not underwrite the policy. 1Company-reported. Group-level casualty practice page. | Mylo brokers commercial umbrella insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. 2Company-reported. Commercial umbrella product page. |
