--- title: "Hiscox vs Mylo" description: "Hiscox underwrites small-business policies available online; Mylo is an independent broker with Group 1001 as later backer, not a Lockton-owned carrier. Compare carrier-direct Hiscox paper with a multi-carrier brokerage." canonical: "https://spot.insure/compare/hiscox-vs-mylo" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Hiscox", "Mylo"] --- [Human-readable page](https://spot.insure/compare/hiscox-vs-mylo) # Hiscox vs Mylo Hiscox underwrites small-business policies available online; Mylo is an independent broker with Group 1001 as later backer, not a Lockton-owned carrier. Compare carrier-direct Hiscox paper with a multi-carrier brokerage. ## Research Scope and Use Use this comparison to evaluate Hiscox and Mylo against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights Hiscox Insurance Company Inc. sells admitted small-business lines online. Mylo, LLC is an independent insurance broker that launched within Lockton in 2015 and now identifies Group 1001 as its backer; that history does not make Lockton the current owner. Mylo names Hiscox among carrier partners, so a Mylo quote may or may not be Hiscox paper. [16](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [15](https://www.hiscox.com/small-business-insurance/other-insurance "Specific Business Insurance Coverages") [29](https://choosemylo.com/our-story "About Mylo") [28](https://choosemylo.com/business/business-insurance "Small Business Insurance") ## Introduction Hiscox sells small-business policies directly to eligible buyers. Mylo is a broker that shops more than 40 partners and lists Hiscox among Travelers, Liberty Mutual and The Hartford. Mylo’s Lockton origin is historical; current materials name Group 1001 as backer. Do not treat Mylo as a Lockton or Hiscox subsidiary. [16](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [29](https://choosemylo.com/our-story "About Mylo") ## Documented Provider Strengths ### Hiscox - Hiscox Inc., a Delaware producer, handles online small-business sales; Hiscox Insurance Company Inc. is the affiliated admitted insurer named for Hiscox NOW products. [5](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") [4](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") (Evidence: Company-reported; scope: Legal roles stated in current terms (last modified May 28, 2024) and the About Hiscox US page. Exact contracting entity still depends on product, channel and policy.; verified: 2026-09-16.) - Eligible applicants can quote Hiscox general liability, professional liability/E&O, cyber and a business owner’s policy online. [16](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [7](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [8](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [9](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [10](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [2](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") (Evidence: Company-reported; scope: Current Hiscox small-business product and quote pages. Names establish marketed Hiscox NOW-style products, not limits, retroactive dates, exclusions or class eligibility.; verified: 2026-09-16.) ### Mylo - Buyers can shop online or with a licensed advisor; Mylo says it compares available quotes, with an agent finalizing most policies. [28](https://choosemylo.com/business/business-insurance "Small Business Insurance") [30](https://choosemylo.com/terms-of-use "Terms Of Use") (Evidence: Company-reported; scope: Current direct small-business workflow described on Mylo’s site. The sources do not promise a quote, bindable offer or completion time for every applicant.; verified: 2026-09-15.) - Employers with 2–99 employees can explore group benefits with a licensed advisor and a year-round HR portal. [41](https://choosemylo.com/groupbenefits "Small Group Benefits") (Evidence: Company-reported; scope: Mylo’s small-group benefits service. Plan availability, employer contribution rules, networks and state requirements remain plan-specific.; verified: 2026-09-15.) ## Coverage Comparison | Coverage Type | Hiscox | Mylo | | --- | --- | --- | | Business owner’s policy | Listed [10](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") | Listed [28](https://choosemylo.com/business/business-insurance "Small Business Insurance") [32](https://choosemylo.com/business/product-business-owners-policy "Business Owner’s Policy") | | Commercial auto | Listed [12](https://www.hiscox.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance for Small Businesses") | Listed [33](https://choosemylo.com/business/product-commercial-auto "Commercial Auto Insurance") | | Cyber liability | Listed [9](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [2](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") | Listed [35](https://choosemylo.com/business/product-cyber "Cyber Insurance") | | Employee health and benefits | Not listed | Listed [41](https://choosemylo.com/groupbenefits "Small Group Benefits") | | General liability | Listed [7](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") | Listed [34](https://choosemylo.com/business/product-commercial-general-liability "Commercial General Liability Insurance") | | Medical malpractice | Listed [13](https://www.hiscox.com/small-business-insurance/medical-malpractice-insurance "Medical Malpractice Insurance") | Listed [36](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") | | Professional liability / E&O | Listed [8](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [2](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") | Listed [37](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") | | Surety bonds | Not listed | Listed [38](https://choosemylo.com/business/product-surety-bonds "Surety Bonds") | | Umbrella and excess liability | Not listed | Listed [39](https://choosemylo.com/business/product-umbrella "Commercial Umbrella Insurance") | | Workers’ compensation | Listed [11](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") | Listed [40](https://choosemylo.com/business/product-workers-comp "Workers’ Compensation Insurance") | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between Hiscox and Mylo ### Carrier Storefront Versus Independent Broker Hiscox Insurance Company Inc. underwrites Hiscox small-business products offered online. Mylo describes itself as an independent insurance broker; Mylo, LLC operates the site. A Mylo purchase appoints a broker and can bind a non-Hiscox insurer even when Hiscox is on the partner list. [24](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3358&event=companyProfile "Hiscox Insurance Company Inc. Company Profile") [28](https://choosemylo.com/business/business-insurance "Small Business Insurance") ### Ownership Story That Buyers Misread Mylo says it launched within Lockton Companies in 2015 and now has Group 1001 as its backer. That sequence does not establish current Lockton ownership. Hiscox’s terms and about pages describe Hiscox companies and partner carriers; they do not describe owning Mylo. [29](https://choosemylo.com/our-story "About Mylo") [5](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") ### Product Breadth Including Benefits and Medical Malpractice Mylo’s commercial catalogue includes BOP, commercial auto, GL, cyber, medical malpractice, professional liability, surety, umbrella, workers compensation and small-group benefits for 2–99 employees. Hiscox’s direct core is GL, professional liability, cyber and BOP, with partner WC, auto and group health. Mylo’s medical malpractice and group-benefits pages are not Hiscox products. [28](https://choosemylo.com/business/business-insurance "Small Business Insurance") [16](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") ## What to Confirm in Quotes - **Named insurer** on the Mylo proposal versus Hiscox Insurance Company Inc. [31](https://choosemylo.com/contact-your-carrier "Contact Your Carrier") - **Whether you need medical malpractice or group benefits**, which Mylo markets and Hiscox does not as core direct lines. [36](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") - **Current Mylo ownership language** (Group 1001 backer, not Lockton owner). [43](https://www.group1001.com/news/insurtech-mylo-teams-with-gainbridge-to-introduce-gainbridge-protect "Insurtech Mylo Teams With Gainbridge To Introduce Gainbridge Protect") ## Service Comparison Hiscox vs Mylo: documented services and availability. | Criteria | Hiscox | Mylo | | --- | --- | --- | | Business role | Hiscox is the brand name used by its U.S. insurance businesses. Website terms identify Hiscox Inc., a Delaware corporation headquartered in Atlanta, as a licensed insurance intermediary for admitted and surplus-lines business. About Hiscox US names Hiscox Insurance Company Inc. (NAIC 10200) as the affiliated insurer and Hiscox Inc. as its general agent. Broker-only pages are restricted to licensed market professionals; the small-business section is the consumer product path. [5](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") [4](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") (Evidence: Company-reported; scope: Legal roles stated in current terms (last modified May 28, 2024) and the About Hiscox US page. Exact contracting entity still depends on product, channel and policy.; verified: 2026-09-16.)

In California, Hiscox Inc. says it does business as Hiscox Insurance Agency and publishes producer license number 0F09668. Its current producer-license status remains independently unverified; the number is company-reported. [6](https://www.hiscox.com/small-business-insurance/california-business-insurance "California Business Insurance") [23](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [11](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") [5](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") (Evidence: Company-reported; scope: California producer identity as published on Hiscox pages accessed 16 September 2026. Not a substitute for a live CDI Check a License search at purchase.; verified: 2026-09-16.) | 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. [28](https://choosemylo.com/business/business-insurance "Small Business Insurance") [29](https://choosemylo.com/our-story "About Mylo") (Evidence: Company-reported; scope: Mylo’s direct US small-business offering. The reviewed sources establish Mylo’s described brokerage role, not the suitability or availability of a particular policy.; verified: 2026-09-15.)

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. [29](https://choosemylo.com/our-story "About Mylo") [43](https://www.group1001.com/news/insurtech-mylo-teams-with-gainbridge-to-introduce-gainbridge-protect "Insurtech Mylo Teams With Gainbridge To Introduce Gainbridge Protect") [44](https://www.bizjournals.com/kansascity/news/2023/05/23/mylo-new-owners-group-1001-guggenheim-lockton.html "Mylo Is No Longer Part Of Lockton") (Evidence: Verified; scope: Corporate history and ownership evidence reviewed through 15 September 2026. Group 1001’s backing does not establish that a Group 1001 insurer underwrites any particular Mylo placement.; verified: 2026-09-15.)

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. [28](https://choosemylo.com/business/business-insurance "Small Business Insurance") [30](https://choosemylo.com/terms-of-use "Terms Of Use") [45](https://search.sunbiz.org/Inquiry/CorporationSearch/SearchResults?Detail=FL.DOS.Corporations.Shared.Contracts.FilingRecord&InquiryDirectionType=ForwardRecord&InquiryType=EntityName&ListNameOrder=MYLLISEXPRESS+P160000457340&SearchNameOrder=MYLO+F482990&SearchTerm=MYLKATZ+INC. "Mylo, LLC Entity Record") [46](https://www.mass.gov/doc/licensed-p-and-c-agenciespdf/download "Licensed Property And Casualty Agencies") (Evidence: Verified; scope: Entity and trade-name disclosures on ChooseMylo.com as of 15 September 2026. Massachusetts licensing and Florida corporate records corroborate Mylo, LLC’s identity but do not verify every listed trade name.; verified: 2026-09-15.)

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. [42](https://choosemylo.com/partner-with-us "Partner With Mylo") [43](https://www.group1001.com/news/insurtech-mylo-teams-with-gainbridge-to-introduce-gainbridge-protect "Insurtech Mylo Teams With Gainbridge To Introduce Gainbridge Protect") (Evidence: Company-reported; scope: Partner-distribution model described by Mylo and Group 1001. The sources do not establish the legal role for every partner implementation.; verified: 2026-09-15.) | | Coverage lines | Hiscox directly markets and offers online quotes for general liability, professional liability (errors and omissions), cyber security insurance and a business owner’s policy that combines general liability with commercial property. IT pages present those same lines for technology consultants rather than a separately named technology E&O policy. Website examples and coverage lists are illustrative; the issued policy controls. [16](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [7](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [8](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [9](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [10](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [2](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") (Evidence: Company-reported; scope: Current Hiscox small-business product and quote pages. Names establish marketed Hiscox NOW-style products, not limits, retroactive dates, exclusions or class eligibility.; verified: 2026-09-16.)

Hired/non-owned auto and commercial crime are described as upgrades to a Hiscox business owner’s policy, not standalone Hiscox policies. Crime is not sold separately and is not available in all states. HNOA is tied to the BOP occurrence limit and does not replace commercial auto for vehicles the business owns or regularly operates. [20](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Car Liability Insurance") [21](https://www.hiscox.com/small-business-insurance/business-owner-insurance/commercial-crime "Commercial crime insurance for small businesses") [10](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") (Evidence: Company-reported; scope: Current HNOA and commercial-crime product pages. Availability by state and class was not independently matrixed beyond those pages and the 2026 appetite guide.; verified: 2026-09-16.)

Hiscox also markets partner coverage for workers’ compensation (Hartford Fire, generally requiring a Hiscox general-liability policy), commercial auto (GEICO referral and, separately, CyberPolicy), medical malpractice (NOW Insurance), short-term liability (Thimble/Markel), and CyberPolicy quotes for umbrella, directors and officers, and employment practices liability. Those pages are partner access paths, not proof that Hiscox Insurance Company Inc. issues the policy. [11](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") [12](https://www.hiscox.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance for Small Businesses") [13](https://www.hiscox.com/small-business-insurance/medical-malpractice-insurance "Medical Malpractice Insurance") [14](https://www.hiscox.com/small-business-insurance/short-term-liability-insurance "Short-Term Liability Insurance for Small Businesses") [15](https://www.hiscox.com/small-business-insurance/other-insurance "Specific Business Insurance Coverages") [26](https://www.hiscox.com/brokers/management-liability "Management Liability Insurance Executive Risks") (Evidence: Company-reported; scope: Current partner product pages. Broker-channel Hiscox C-Suite management liability is a different offering from the CyberPolicy D&O/EPLI links.; verified: 2026-09-16.) | 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. [28](https://choosemylo.com/business/business-insurance "Small Business Insurance") [32](https://choosemylo.com/business/product-business-owners-policy "Business Owner’s Policy") [33](https://choosemylo.com/business/product-commercial-auto "Commercial Auto Insurance") [34](https://choosemylo.com/business/product-commercial-general-liability "Commercial General Liability Insurance") [35](https://choosemylo.com/business/product-cyber "Cyber Insurance") [36](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") [37](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") [38](https://choosemylo.com/business/product-surety-bonds "Surety Bonds") [39](https://choosemylo.com/business/product-umbrella "Commercial Umbrella Insurance") [40](https://choosemylo.com/business/product-workers-comp "Workers’ Compensation Insurance") (Evidence: Company-reported; scope: Directly 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.; verified: 2026-09-15.)

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. [28](https://choosemylo.com/business/business-insurance "Small Business Insurance") [32](https://choosemylo.com/business/product-business-owners-policy "Business Owner’s Policy") (Evidence: Company-reported; scope: Mylo’s general BOP description, not a specimen policy or statement that every applicant receives all described terms.; verified: 2026-09-15.)

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. [33](https://choosemylo.com/business/product-commercial-auto "Commercial Auto Insurance") (Evidence: Company-reported; scope: General product description. It does not establish state eligibility, required limits or the options included in a buyer’s quote.; verified: 2026-09-15.)

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. [36](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: Company-described medical-malpractice and cyber options. The page is not policy wording and does not identify the available insurer, state, specialty or tail period.; verified: 2026-09-15.)

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. [41](https://choosemylo.com/groupbenefits "Small Group Benefits") (Evidence: Company-reported; scope: Mylo’s small-group benefits service. Plan availability, employer contribution rules, networks and state requirements remain plan-specific.; verified: 2026-09-15.)

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. [28](https://choosemylo.com/business/business-insurance "Small Business Insurance") [36](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") [30](https://choosemylo.com/terms-of-use "Terms Of Use") (Evidence: Not found in reviewed sources; scope: Public commercial product and legal pages reviewed on 15 September 2026. Not finding public forms does not mean Mylo cannot provide them during a transaction.; verified: 2026-09-15.) | | Fees and compensation | Hiscox’s general-liability FAQ says buyers may pay annually or monthly with no additional fees, using debit or credit card. The California small-business page also lists monthly, quarterly, semi-annual and annual options with no fees. Product pages advertise up to a 5% discount for bundling certain Hiscox coverages. Published tables of monthly cost are labeled illustrative and are not quotes. [7](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [6](https://www.hiscox.com/small-business-insurance/california-business-insurance "California Business Insurance") [10](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") (Evidence: Company-reported; scope: Company-stated payment options for described liability products. Partner policies may use different billing. No inference that every product or state has zero installment fees.; verified: 2026-09-16.)

The reviewed Hiscox small-business, terms-of-use and appetite pages do not publish a buyer-facing commission, producer-fee or contingent-commission schedule. The 2026 appetite guide states that actual cost, commission, premium and coverage may vary with underwriting. Amounts payable besides premium therefore remain not disclosed in those sources. [23](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [5](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") [7](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") (Evidence: Not publicly disclosed; scope: Public consumer and agent appetite materials reviewed 16 September 2026. Absence of a schedule is not a finding that no producer compensation exists.; verified: 2026-09-16.) | 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. [29](https://choosemylo.com/our-story "About Mylo") (Evidence: Company-reported; scope: Company-wide consumer disclosure on Mylo’s About page. It does not identify the commission or fee for a specific commercial placement.; verified: 2026-09-15.) | | Claims assistance | Hiscox says customers can start a claim online, by phone or by mail. The claims center lists 1-866-424-8508 with weekday and weekend Eastern hours; a professional-liability FAQ separately tells current customers that 866-424-8508 is open 24 hours a day. Hiscox says it assigns a specialized claims professional, validates coverage and may appoint an attorney for covered liability claims. Policies placed with Hartford, GEICO, NOW Insurance, Markel/Thimble or CyberPolicy markets may use different notice instructions. These statements describe a reporting process, not independently measured claims outcomes. [17](https://www.hiscox.com/manage-your-policy/claims-center "Start a Business Insurance Claim Online, by Phone or Mail") [27](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq "What is Professional Liability Insurance?") [7](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") (Evidence: Company-reported; scope: Company-described Hiscox claims-center process. Hours differ across pages. Coverage and defense remain subject to the issuing insurer and policy.; verified: 2026-09-16.) | 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. [31](https://choosemylo.com/contact-your-carrier "Contact Your Carrier") (Evidence: Company-reported; scope: Public service directory for existing customers. Claim reporting duties and deadlines remain controlled by the applicable policy and insurer instructions.; verified: 2026-09-15.) | | Access to insurers | Hiscox NOW appetite and About Hiscox US say admitted small-business products described there are underwritten by Hiscox Insurance Company Inc., a Chicago-based insurer licensed in all 50 states and D.C. The California Department of Insurance independently identifies that company as an Illinois-domiciled property-and-casualty insurer, NAIC 10200, California Company ID 1439-9, authorized in California since 14 September 1953 with unlimited-normal status. Hiscox’s California marketing page also cites Illinois license number 8754, which is not the CDI company ID; reconcile names and numbers on the quote. [24](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3358&event=companyProfile "Hiscox Insurance Company Inc. Company Profile") [25](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=59700&s=Active&t=INS "Hiscox Insurance Company Inc.") [4](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [23](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [6](https://www.hiscox.com/small-business-insurance/california-business-insurance "California Business Insurance") (Evidence: Verified; scope: Admitted Hiscox NOW GL, professional liability, cyber and BOP as described in 2026 appetite and About pages, plus CDI/Illinois regulator records for the named insurer. Regulator authorization is not proof that a given class is written in California today.; verified: 2026-09-16.)

Hiscox refers small-business buyers to other insurers or marketplaces for several products: workers’ compensation is underwritten by Hartford Fire Insurance; the commercial-auto page refers customers to GEICO and affiliates; medical malpractice is accessed through NOW Insurance, which Hiscox says is not affiliated with the Hiscox group; short-term liability is underwritten by Markel Insurance Company through Thimble. A separate other-insurance page instead partners with CyberPolicy for commercial auto, umbrella, directors and officers, and employment practices liability. The issuing company on a partner quote is therefore not assumed to be Hiscox Insurance Company Inc. [11](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") [12](https://www.hiscox.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance for Small Businesses") [13](https://www.hiscox.com/small-business-insurance/medical-malpractice-insurance "Medical Malpractice Insurance") [14](https://www.hiscox.com/small-business-insurance/short-term-liability-insurance "Short-Term Liability Insurance for Small Businesses") [15](https://www.hiscox.com/small-business-insurance/other-insurance "Specific Business Insurance Coverages") (Evidence: Company-reported; scope: Current Hiscox product-page footers and partner statements. Two commercial-auto routes (GEICO referral and CyberPolicy) are published simultaneously; this research did not determine which path a given zip code receives.; verified: 2026-09-16.)

Hiscox Inc. says it is an approved Lloyd’s coverholder and underwrites surplus-lines business on behalf of Lloyd’s Syndicates 33 and 3624, with U.S. surplus-lines placements made by licensed surplus-lines brokers. Terms also say Hiscox Inc. may place admitted and surplus-lines business with Hiscox Insurance Company Inc., other domestic insurers, and Lloyd’s syndicates. That surplus-lines route is described as distinct from the online small-business catalogue. [4](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [5](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") (Evidence: Company-reported; scope: Company disclosures on About Hiscox US and website terms. This does not establish that a California online small-business quote uses Lloyd’s paper.; verified: 2026-09-16.) | Mylo says its commercial brokerage works with more than 40 carrier partners and names Travelers, Liberty Mutual, The Hartford and Hiscox as examples. That panel does not establish which insurers will consider or quote a particular business. [28](https://choosemylo.com/business/business-insurance "Small Business Insurance") [31](https://choosemylo.com/contact-your-carrier "Contact Your Carrier") (Evidence: Company-reported; scope: Company-described commercial carrier panel. No account-specific market submission or insurer response was reviewed.; verified: 2026-09-15.)

Mylo’s public pages do not provide a complete product-and-state schedule of issuing insurers. The carrier contact directory names companies used for some customers, but the legal insurer for each proposed policy must be confirmed in the quote and policy documents. [28](https://choosemylo.com/business/business-insurance "Small Business Insurance") [31](https://choosemylo.com/contact-your-carrier "Contact Your Carrier") [30](https://choosemylo.com/terms-of-use "Terms Of Use") (Evidence: Not found in reviewed sources; scope: Commercial products and carrier materials publicly reviewed on 15 September 2026. A missing public schedule does not mean a carrier relationship is unavailable.; verified: 2026-09-15.) | ## Related Reading - [What Is Hiscox?](https://spot.insure/insurance-providers/hiscox) - [What Is Mylo Insurance?](https://spot.insure/insurance-providers/mylo) ## Related Comparisons - [Alliance Risk vs Hiscox](https://spot.insure/compare/alliance-risk-vs-hiscox) - [Alliance Risk vs Mylo](https://spot.insure/compare/alliance-risk-vs-mylo) - [Amelia Risk vs Hiscox](https://spot.insure/compare/amelia-risk-vs-hiscox) - [Amelia Risk vs Mylo](https://spot.insure/compare/amelia-risk-vs-mylo) - [Armilla vs Hiscox](https://spot.insure/compare/armilla-vs-hiscox) - [Armilla vs Mylo](https://spot.insure/compare/armilla-vs-mylo) - [At-Bay vs Hiscox](https://spot.insure/compare/at-bay-vs-hiscox) - [At-Bay vs Mylo Insurance](https://spot.insure/compare/at-bay-vs-mylo) - [Beazley vs Hiscox](https://spot.insure/compare/beazley-vs-hiscox) - [Beazley vs Mylo](https://spot.insure/compare/beazley-vs-mylo) - 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[Hiscox Small Business Insurance](https://www.hiscox.com/small-business-insurance). Hiscox; Product selector (GL, professional liability/E&O, cyber, workers compensation, commercial auto, medical malpractice, short-term liability); FAQ that Hiscox is licensed in 49 states and D.C. and unavailable in Alaska; partnership language for workers’ compensation; online quote statements. Accessed 2026-09-16. 2. [IT Professional & General Liability Insurance](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance). Hiscox; IT/technology professional audience; general liability, BOP, professional liability/E&O and cyber security descriptions for IT businesses; illustrative cyber breach-response example. Accessed 2026-09-16. 3. [Insurance for IT Consultants](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance/it-consultant-insurance). Hiscox; IT consultant professional-liability and general-liability descriptions, including the phrase technology professional liability insurance as a label for E&O for IT work. Accessed 2026-09-16. 4. [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance). Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. 5. [Website Terms & Conditions of Use](https://www.hiscox.com/terms-of-use). Hiscox; Last modified May 28, 2024; Hiscox Inc. as Delaware corporation headquartered in Atlanta, d/b/a Hiscox Insurance Agency in CA, licensed intermediary for admitted and surplus-lines business with Hiscox Insurance Company Inc., other domestic insurers, and Lloyd’s syndicates; small-business online path distinguished from broker-only site sections. Accessed 2026-09-16. 6. [California Business Insurance](https://www.hiscox.com/small-business-insurance/california-business-insurance). Hiscox; California product list (GL, professional liability, BOP, workers compensation, cyber); IT/technology profession link; payment-option and worldwide-claim-filing statements; footer that products are approved by the California Department of Insurance and underwritten by Hiscox Insurance Company Inc.; Hiscox Inc. as Delaware licensed producer; California d/b/a Hiscox Insurance Agency license no. 0F09668; coverage subject to underwriting and may not be available in all states; company-stated Illinois license number 8754. Accessed 2026-09-16. 7. [General Liability Insurance](https://www.hiscox.com/small-business-insurance/general-liability-insurance). Hiscox; Online quote; 49-state and D.C. availability with Alaska excluded; broker-referral if not sold online; payment annually or monthly with no additional fees; online 24/7 claim reporting; policy issued via email and certificate in welcome documents; illustrative California consultant pricing table labeled as illustrative; electronic data liability for IT professions; coverage subject to underwriting. Accessed 2026-09-16. 8. [Professional Liability Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/professional-liability-insurance). Hiscox; Professional liability/E&O product; licensed in 49 states and Washington, D.C. (Alaska excluded); specialist-broker assistance if not licensed in a state; licensed-advisor hours. Accessed 2026-09-16. 9. [Cyber Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/cyber-security-insurance). Hiscox; Standalone cyber security/cyber liability product with online quote; data-breach, cyberattack and related-loss descriptions; licensed-agent phone number 1-833-816-2811. Accessed 2026-09-16. 10. [Business Owner's Policy Insurance (BOP) Coverage](https://www.hiscox.com/small-business-insurance/business-owners-policy). Hiscox; BOP as combined general liability and commercial property; optional packages including cyber, non-owned commercial auto, commercial crime and professional liability; illustrative California IT/technology consultant pricing table labeled with asterisks; worldwide-coverage qualifications. Accessed 2026-09-16. 11. [Workers Compensation Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance). Hiscox; Partnership with The Hartford; general liability required to purchase workers comp; not available for all classes; footer that coverage is made available through Hiscox Inc. d/b/a Hiscox Insurance Agency in CA and underwritten by Hartford Fire Insurance, One Hartford Plaza, Hartford, CT 06155. Accessed 2026-09-16. 12. [Commercial Auto Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/commercial-auto-insurance). Hiscox; Commercial auto product page; quote redirect to a site not owned by Hiscox; customers referred to GEICO by Hiscox Inc. d/b/a Hiscox Insurance Agency in CA; products underwritten by Government Employees Insurance Company and affiliates. Accessed 2026-09-16. 13. [Medical Malpractice Insurance](https://www.hiscox.com/small-business-insurance/medical-malpractice-insurance). Hiscox; Partnership with NOW Insurance for medical malpractice quotes; footer that NOW Insurance is not affiliated with the Hiscox group and that Hiscox Inc. d/b/a Hiscox Insurance Agency in CA provides access to coverage available through NOW Insurance. Accessed 2026-09-16. 14. [Short-Term Liability Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/short-term-liability-insurance). Hiscox; Partnership with Thimble for short-term general and professional liability; not available in all jurisdictions or classes; underwritten by Markel Insurance Company, Ten Parkway North, Deerfield, IL 60015. Accessed 2026-09-16. 15. [Specific Business Insurance Coverages](https://www.hiscox.com/small-business-insurance/other-insurance). Hiscox; Partnership with CyberPolicy for additional coverages including commercial auto, umbrella, directors and officers, and employment practices liability, with quote links to sme.cyberpolicy.com. Accessed 2026-09-16. 16. [Get A Small Business Insurance Quote](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business). Hiscox; States that Hiscox offers general liability, professional liability, cyber security and business owner’s policies online; zip-code quote field; licensed-agent hours Monday–Friday 7 a.m.–10 p.m. ET and Saturday–Sunday 8 a.m.–5 p.m. ET. Accessed 2026-09-16. 17. [Start a Business Insurance Claim Online, by Phone or Mail](https://www.hiscox.com/manage-your-policy/claims-center). Hiscox; Online claim filing; phone 1-866-424-8508 with posted hours; specialized claims professional assignment; coverage validation; liability claims attorney-appointment description; broker-reported claims option; company marketing phrase award-winning claims service. Accessed 2026-09-16. 18. [Manage your policy](https://www.hiscox.com/manage-your-policy). Hiscox; Online account functions: download policy documents, certificates, authorized person, same-state address and business-name changes, loss runs, waiver of subrogation, certificate holder, document submission; phone-only changes including payment method, limits, new-state address, coverage adjustments and cancellation. Accessed 2026-09-16. 19. [Get a Certificate of Insurance (COI)](https://www.hiscox.com/manage-your-policy/get-certificate-of-insurance). Hiscox; Online ACORD/certificate generation using policy number and policy email address. Accessed 2026-09-16. 20. [Non-Owned Car Liability Insurance](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability). Hiscox; Hired/non-owned auto described as an upgrade to a business owner’s policy and part of that policy’s occurrence limit, not coverage for vehicles owned or regularly operated by the business. Accessed 2026-09-16. 21. [Commercial crime insurance for small businesses](https://www.hiscox.com/small-business-insurance/business-owner-insurance/commercial-crime). Hiscox; Commercial crime as a BOP upgrade not sold separately; not available in all states. Accessed 2026-09-16. 22. [Contact Us](https://www.hiscox.com/contact-us). Hiscox; U.S. locations including Atlanta headquarters and a Los Angeles office; statement that Hiscox operates in 49 U.S. states and D.C. and offers specialty products through U.S. brokers. Accessed 2026-09-16. 23. [Hiscox US Agent Appetite Guide](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf). Hiscox; Document 23295 07/26; Hiscox NOW admitted GL, PL, cyber and BOP; state exceptions including BOP unavailable in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia; technology classes including IT consultants and software development; footer that products are made available through Hiscox Inc. d/b/a Hiscox Insurance Agency in CA and underwritten by Hiscox Insurance Company Inc.; commission and premium may vary. Accessed 2026-09-16. 24. [Hiscox Insurance Company Inc. Company Profile](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3358&event=companyProfile). California Department of Insurance; HISCOX INSURANCE COMPANY INC.; NAIC 10200; California Company ID 1439-9; authorized in California 09/14/1953; license status UNLIMITED-NORMAL; company type Property & Casualty; domicile Illinois; NAIC Group 4666 Hiscox Ins Grp; authorized lines including liability, fire, workers’ compensation, surety and others. Accessed 2026-09-16. 25. [Hiscox Insurance Company Inc.](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=59700&s=Active&t=INS). Illinois Department of Insurance; Legal name HISCOX INSURANCE COMPANY INC.; P&C Domestic Stock; domicile County of Cook, Illinois; parent Hiscox Ltd.; status Active; NAIC 4666 10200; incorporated 11/26/1952; 125 South Wacker Drive Suite 2080 Chicago, IL 60606. Accessed 2026-09-16. 26. [Management Liability Insurance Executive Risks](https://www.hiscox.com/brokers/management-liability). Hiscox; Broker-facing Hiscox C-Suite management liability and crime solution; statement we are no longer entertaining risks in the metro areas of California; add-on references to media, cyber, crime and technology; not the consumer small-business online catalogue. Accessed 2026-09-16. 27. [What is Professional Liability Insurance?](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq). Hiscox; Claims-made description; current-customer claim number 866-424-8508 described as open 24 hours a day, 7 days a week. Accessed 2026-09-16. ### [Mylo Official Website](https://choosemylo.com/) 28. [Small Business Insurance](https://choosemylo.com/business/business-insurance). Mylo; Hero; What Insurance Does A Small Business Need; Business Insurance FAQs; current commercial-product navigation; footer legal disclosure. Accessed 2026-09-15. 29. [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. 30. [Terms Of Use](https://choosemylo.com/terms-of-use). Mylo; Effective 21 February 2017; updated 19 November 2018; introduction; §§1.2 and 6.1–6.5. Accessed 2026-09-15. 31. [Contact Your Carrier](https://choosemylo.com/contact-your-carrier). Mylo; Carrier contact instructions; business-insurance support and claims entries; Mylo Service Professional fallback. Accessed 2026-09-15. 32. [Business Owner’s Policy](https://choosemylo.com/business/product-business-owners-policy). Mylo; Current product page and Get My Quote call to action; related business-product navigation. Accessed 2026-09-15. 33. [Commercial Auto Insurance](https://choosemylo.com/business/product-commercial-auto). Mylo; Commercial Auto Savings For A Business On The Move; What Commercial Auto Insurance Do I Need; FAQs. Accessed 2026-09-15. 34. [Commercial General Liability Insurance](https://choosemylo.com/business/product-commercial-general-liability). Mylo; Current commercial product page and related business-product navigation. Accessed 2026-09-15. 35. [Cyber Insurance](https://choosemylo.com/business/product-cyber). Mylo; Current commercial product page; Think You Don’t Need Cyber Insurance; related business-product navigation. Accessed 2026-09-15. 36. [Medical Malpractice Insurance](https://choosemylo.com/medical-malpractice). Mylo; Medical Malpractice Insurance Is Professional Liability; What Types Of Coverage Are Available; cyber section; FAQs. Accessed 2026-09-15. 37. [Professional Liability Insurance](https://choosemylo.com/business/product-professional-liability). Mylo; Current commercial product page; Professional Liability? But I Do Good Work; related business-product navigation. Accessed 2026-09-15. 38. [Surety Bonds](https://choosemylo.com/business/product-surety-bonds). Mylo; Surety Bonds Show You Mean Business; How Does A Surety Bond Work; quote calls to action; FAQs. Accessed 2026-09-15. 39. [Commercial Umbrella Insurance](https://choosemylo.com/business/product-umbrella). Mylo; Current commercial product page and related business-product navigation. Accessed 2026-09-15. 40. [Workers’ Compensation Insurance](https://choosemylo.com/business/product-workers-comp). Mylo; Current commercial product page; Workers’ Comp? What’s In It For Me; related business-product navigation. Accessed 2026-09-15. 41. [Small Group Benefits](https://choosemylo.com/groupbenefits). Mylo; Hero for employers with 2–99 employees; benefit categories; enrollment, HR portal and licensed-advisor service. Accessed 2026-09-15. 42. [Partner With Mylo](https://choosemylo.com/partner-with-us). Mylo; Insurance-agency and other-industry paths; embedded offering categories; carrier statement; demo request. Accessed 2026-09-15. 43. [Insurtech Mylo Teams With Gainbridge To Introduce Gainbridge Protect](https://www.group1001.com/news/insurtech-mylo-teams-with-gainbridge-to-introduce-gainbridge-protect). Group 1001; 26 September 2023 announcement; Amplifi description; statement that Mylo and Gainbridge are backed by Group 1001; About Mylo and About Group 1001. Accessed 2026-09-15. 44. [Mylo Is No Longer Part Of Lockton](https://www.bizjournals.com/kansascity/news/2023/05/23/mylo-new-owners-group-1001-guggenheim-lockton.html). Kansas City Business Journal; Headline and article preview; 23 May 2023; prior minority investor described as new majority investor. Accessed 2026-09-15. 45. [Mylo, LLC Entity Record](https://search.sunbiz.org/Inquiry/CorporationSearch/SearchResults?Detail=FL.DOS.Corporations.Shared.Contracts.FilingRecord&InquiryDirectionType=ForwardRecord&InquiryType=EntityName&ListNameOrder=MYLLISEXPRESS+P160000457340&SearchNameOrder=MYLO+F482990&SearchTerm=MYLKATZ+INC.). Florida Department of State, Division of Corporations; Document M17000007667; foreign Missouri LLC; active; 2026 annual report filed 30 April 2026. Corporate registration, not an insurance license. Accessed 2026-09-15. 46. [Licensed Property And Casualty Agencies](https://www.mass.gov/doc/licensed-p-and-c-agenciespdf/download). Massachusetts Division of Insurance; Page 114; Mylo, LLC; NPN 18590034; original approval 29 November 2017; renewal 29 November 2026. Official PDF was available in search indexing; direct download returned an access block from this workspace. Accessed 2026-09-15. 47. [Licensed Surplus Lines Broker Agencies](https://www.mass.gov/doc/licensed-surplus-lines-brokers-agenciespdf-0/download). Massachusetts Division of Insurance; Mylo, LLC; NPN 18590034; original approval 20 December 2017; renewal 20 December 2026. Official PDF was available in search indexing; direct download returned an access block from this workspace. Accessed 2026-09-15. Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). 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