Heffernan Insurance Brokers vs Mylo: How Do They Compare for Medical Malpractice Insurance?

Mylo is a broker for medical professionals comparing carriers, with tail and cyber add-ons; Heffernan Insurance Brokers serves hospitals, clinics and labs and packages malpractice with other coverage.

Heffernan suits healthcare organizations that want malpractice bundled with workers' comp and cyber, or a captive or self-insured plan. Mylo suits medical professionals who want several carrier quotes for their specialty and a clear claims-made versus occurrence choice. ^1,²

What Are the Key Differences Between Heffernan Insurance Brokers and Mylo Medical Malpractice Insurance?

Facilities and Groups Versus Individual Practitioners

Heffernan's healthcare team works with physician groups, clinics, hospitals, patient transport companies, laboratories, home care and senior living. Mylo compares quotes from multiple carriers and tailors the policy to your medical specialty. Choose Heffernan if you run a facility or multi-provider organization; choose Mylo if you are buying for your own practice and want to compare carriers. ¹ ²

Claims-Made and Tail Explained Up Front

Mylo offers both claims-made and occurrence policies and explains the difference, plus optional tail coverage that lets you report claims after a claims-made policy ends. That matters when you change jobs or retire. Heffernan's page doesn't address policy trigger, tail or limits, so you'll need to raise them yourself. ² ¹

Bundled Program or Add-On Cyber

Heffernan packages malpractice with workers' compensation, professional liability and cyber in one client program, and can structure it as a captive or self-insured plan. Mylo says malpractice alone does not cover ransomware and sells cyber as a separate add-on for network rebuilding, patient notification, credit monitoring, crisis management and regulatory fines. ¹ ²

What Should You Confirm in Heffernan Insurance Brokers and Mylo Medical Malpractice Insurance Quotes?

Ask Mylo whether each quote is claims-made or occurrence and what tail costs. ²
Ask Heffernan whether your program is fully insured, a captive or self-insured, and who holds the risk in each case. ¹
Ask both for the issuing insurer and limits; neither publishes them. ¹ ²
Check that Mylo's quote covers the allegations it lists, such as failure to diagnose and wrong dosage, for your specialty. ²

Heffernan Insurance Brokers vs Mylo Medical Malpractice Compared

Heffernan Insurance Brokers vs Mylo: Medical Malpractice Insurance: documented features by provider

Criteria	Heffernan Healthcare Insurance — Medical Malpractice	Mylo Medical Malpractice Insurance
Who It’s For	Heffernan says its health care risk-management team serves physician groups, clinics, hospitals, patient transport companies, and laboratories, plus specialty practices in allied health, home care, and senior living. ¹Company-reported. Healthcare Insurance page as read on 2026-09-23; not exclusively medical-malpractice-specific, but names the buyer types the practice serves.	Mylo customizes the policy to the buyer's medical specialty and says coverage can be compared across a range of carriers for the buyer's practice. ²Company-reported. Medical malpractice product page.
Coverage Features	Heffernan says it packages medical malpractice with other healthcare coverages such as workers' compensation, professional liability, and cyber liability for a single client program. ¹Company-reported. Healthcare Insurance page as read on 2026-09-23; the page does not describe medical-malpractice insuring agreements, claims-made versus occurrence form, or limits separately from the bundled list.	Mylo says the policy helps defend against lawsuits over medical services, including incorrect diagnosis, failure to diagnose, prescribing the wrong drug or dosage, and treatment or surgical errors. ²Company-reported. Medical malpractice product page; the issued policy and its exclusions control. Mylo offers claims-made policies (covering a claim only if the policy was active for both the treatment and the lawsuit filing) and occurrence policies (covering a claim if the policy was active when the treatment occurred, even if lapsed by the time of the lawsuit), plus optional tail coverage to extend reporting after a claims-made policy ends. ²Company-reported. Medical malpractice product page coverage-types section. Mylo says medical malpractice insurance does not cover cyberattacks or ransomware on its own, and that it can add cyber liability coverage for network rebuilding, patient notification, credit monitoring, crisis management and regulatory fines. ²Company-reported. Medical malpractice product page "What about lawsuits from data breaches?" section; a distinct add-on coverage, not part of the base malpractice policy.
Role in This Line	Heffernan lists Medical Malpractice (Med Mal) as one of its named healthcare service specialties, placing coverage with carriers for health care clients rather than underwriting it. ¹Company-reported. Healthcare Insurance page as read on 2026-09-23; no dedicated medical-malpractice sub-page was found beyond this healthcare practice page.	Mylo brokers medical malpractice insurance, describing it as professional liability insurance for medical professionals, by comparing quotes from multiple carriers rather than underwriting the policy itself. ²Company-reported. Medical malpractice product page.

Criteria

Heffernan Healthcare Insurance — Medical Malpractice

Mylo Medical Malpractice Insurance

Who It’s For

Heffernan says its health care risk-management team serves physician groups, clinics, hospitals, patient transport companies, and laboratories, plus specialty practices in allied health, home care, and senior living. ¹Company-reported. Healthcare Insurance page as read on 2026-09-23; not exclusively medical-malpractice-specific, but names the buyer types the practice serves.

Mylo customizes the policy to the buyer's medical specialty and says coverage can be compared across a range of carriers for the buyer's practice. ²Company-reported. Medical malpractice product page.

Coverage Features

Heffernan says it packages medical malpractice with other healthcare coverages such as workers' compensation, professional liability, and cyber liability for a single client program. ¹Company-reported. Healthcare Insurance page as read on 2026-09-23; the page does not describe medical-malpractice insuring agreements, claims-made versus occurrence form, or limits separately from the bundled list.

Mylo says the policy helps defend against lawsuits over medical services, including incorrect diagnosis, failure to diagnose, prescribing the wrong drug or dosage, and treatment or surgical errors. ²Company-reported. Medical malpractice product page; the issued policy and its exclusions control.

Mylo offers claims-made policies (covering a claim only if the policy was active for both the treatment and the lawsuit filing) and occurrence policies (covering a claim if the policy was active when the treatment occurred, even if lapsed by the time of the lawsuit), plus optional tail coverage to extend reporting after a claims-made policy ends. ²Company-reported. Medical malpractice product page coverage-types section.

Mylo says medical malpractice insurance does not cover cyberattacks or ransomware on its own, and that it can add cyber liability coverage for network rebuilding, patient notification, credit monitoring, crisis management and regulatory fines. ²Company-reported. Medical malpractice product page "What about lawsuits from data breaches?" section; a distinct add-on coverage, not part of the base malpractice policy.

Role in This Line

Heffernan lists Medical Malpractice (Med Mal) as one of its named healthcare service specialties, placing coverage with carriers for health care clients rather than underwriting it. ¹Company-reported. Healthcare Insurance page as read on 2026-09-23; no dedicated medical-malpractice sub-page was found beyond this healthcare practice page.

Mylo brokers medical malpractice insurance, describing it as professional liability insurance for medical professionals, by comparing quotes from multiple carriers rather than underwriting the policy itself. ²Company-reported. Medical malpractice product page.