HUB International vs Mylo: How Do They Compare for Business Insurance?

HUB helps businesses arrange insurance through brokers and agents; reviewed product pages describe brokerage, not HUB as the insurer. Its subsidiaries hold licenses in various US states and Canadian provinces. ^4,5,9Company-reportedBrand and parent identity as of 16 September 2026. Does not identify which subsidiary would appear on a California producer license or policy declarations.

Small businesses may reach HUB through its digital Insureon route, acquired in 2022; Insureon and TechInsurance are associated with Specialty Program Group, so the retail account path may differ from HUB’s offices. ^{4,34,35,36,37}Company-reportedCorporate-affiliation statements. Does not establish that every HUB office places business through Insureon, or that TechInsurance is a distinct California producer.

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. ^39,40Company-reportedMylo’s direct US small-business offering. The reviewed sources establish Mylo’s described brokerage role, not the suitability or availability of a particular policy.

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. ^40,54,55VerifiedCorporate 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.

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. ^39,41,56,57VerifiedEntity 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.

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. ^53,54Company-reportedPartner-distribution model described by Mylo and Group 1001. The sources do not establish the legal role for every partner implementation.

Small accounts meeting HUB’s size guidelines can start an online Insureon quote; other buyers contact a HUB broker or local office. The reviewed site does not offer a public self-serve bind route for mid-market programs. ^{8,11,12,13,10,6}Company-reportedPublic website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.

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. ^39,41Company-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. ⁴¹Company-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.

Businesses can ask HUB about liability, property, workers’ comp, auto, cyber, D&O, professional liability, crime, fiduciary, bonds, malpractice, marine, equipment and transaction coverage, plus employee benefits; marketing pages do not establish exact forms or eligibility. ^{9,11,19,17,18,20,13,12,14,15,21,22,23,24,25,28,29,26,27,30,16}Company-reportedOfficial product and casualty pages accessed 16 September 2026. Catalogue entries are brokerage offerings, not proof that a California startup can obtain each line on stated terms.

Technology companies can build programs around Tech E&O, cyber, D&O, workers’ comp, cargo, property, benefits and other listed risks; confirm which are relevant and available for your operations. ¹⁰Company-reportedTechnology industry page inventory. Patent package is a HUB grouping label, not a finding that intellectual-property insurance is separately underwritten. Builders risk is listed there as a technology offering.

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. ^{39,43,44,45,46,47,48,49,50,51}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. ^39,43Company-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. ⁴⁴Company-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. ⁴⁷Company-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. ⁵²Company-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. ^39,47,41Not 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.

Ask which insurers will quote your business: HUB says it accesses hundreds but focuses on strategic carriers that may pay enhanced compensation; public pages do not provide a complete panel or identify your issuing insurer. ^{7,19,27,28,16}Company-reportedNo verified HUB-wide carrier panel. Strategic-carrier focus is a compensation and placement practice, not a finding that only those markets are used.

Insureon names Hartford, Chubb, Hiscox, Liberty Mutual and Travelers among 100+ providers, but that list applies to its digital agency and does not establish the insurer for a HUB retail policy. ³⁴Company-reportedInsureon About Us examples only. Availability varies by product, state and underwriting.

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. ^39,42Company-reportedCompany-described commercial carrier panel. No account-specific market submission or insurer response was reviewed.

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. ^39,42,41Not found in reviewed sourcesCommercial products and carrier materials publicly reviewed on 15 September 2026. A missing public schedule does not mean a carrier relationship is unavailable.

Ask for compensation on your proposal: HUB says it receives insurer commissions, contingent and supplemental payments and sometimes client fees, may use affiliated wholesalers, and may earn administration or data fees; it publishes no standard rates. ⁷Company-reportedFirmwide compensation disclosure. Amounts for a given account are not disclosed on the public page.

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. ⁴⁰Company-reportedCompany-wide consumer disclosure on Mylo’s About page. It does not identify the commission or fee for a specific commercial placement.