---
title: "HUB International vs Mylo Umbrella and Excess Liability Insurance"
description: "HUB places catastrophic casualty umbrella across named industries; Mylo compares carrier quotes in a $1–15 million band that cannot stand alone."
canonical: "https://spot.insure/compare/hub-international-vs-mylo/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# HUB International vs Mylo Umbrella and Excess Liability Insurance

HUB places catastrophic casualty umbrella across named industries; Mylo compares carrier quotes in a $1–15 million band that cannot stand alone.

## Research Scope and Use

Use this comparison to evaluate HUB International and Mylo for Umbrella and Excess Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

HUB brokers umbrella and excess through casualty, naming transportation, construction, healthcare, hospitality, manufacturing and real estate, without publishing limit figures. Mylo compares commercial umbrella quotes from multiple carriers, says most policies pay $1 million to $15 million extra, and says the layer cannot be used without an underlying policy. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [7](https://choosemylo.com/business/product-umbrella "Commercial Umbrella")

## What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [1](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## What Is Mylo Insurance?

Mylo is an independent insurance broker for small and growing businesses. It recommends coverage and compares available quotes from multiple carriers online or with a licensed advisor; the insurer named on the resulting policy provides the coverage. [5](https://choosemylo.com/business/business-insurance "Small Business Insurance") [6](https://choosemylo.com/our-story "About Mylo")

[Mylo profile](https://spot.insure/insurance-providers/mylo)

## What Is Umbrella and Excess Liability Insurance?

Commercial umbrella insurance can provide additional liability limits above scheduled underlying policies for covered claims. Don't assume umbrella and excess liability are the same coverage — the labels aren't proven synonyms. [8](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Umbrella and Excess Liability Insurance

### Catastrophic Casualty Language Versus a Stated Dollar Range

HUB brokers umbrella and excess through its casualty practice rather than underwriting. Mylo brokers commercial umbrella by comparing quotes from multiple carriers rather than underwriting. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [7](https://choosemylo.com/business/product-umbrella "Commercial Umbrella")

HUB describes protection against catastrophic liability settlements and judgments that exceed underlying general liability, auto or employers’-liability limits. Mylo describes extra liability protection that takes over once general liability, commercial auto or workers’ compensation limits are exhausted, and says it cannot be purchased or used on its own without an underlying policy. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [7](https://choosemylo.com/business/product-umbrella "Commercial Umbrella")

Mylo says most commercial umbrella policies pay out between $1 million and $15 million above the underlying limits. HUB’s casualty page does not publish umbrella or excess limit amounts, attachment points or premiums. [7](https://choosemylo.com/business/product-umbrella "Commercial Umbrella") [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")

### Who Needs It and How Advice Is Delivered

HUB frames casualty expertise, including this line, across transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate, with risk-services, claims, litigation and analytics. Mylo says umbrella may also be needed for businesses operating internationally whose primary limits overseas protection, or that have signed a contract with a customer, partner or vendor requiring umbrella. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [7](https://choosemylo.com/business/product-umbrella "Commercial Umbrella")

Mylo says a licensed agent reviews the specific business to recommend whether umbrella makes sense and compares quotes from top-rated carriers. HUB’s reviewed casualty page does not describe that agent-recommendation step for umbrella; it emphasizes carrier relationships and a “Global Reach, Local Touch” approach. [7](https://choosemylo.com/business/product-umbrella "Commercial Umbrella") [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")

Neither page names the insurer that would issue a given policy. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [7](https://choosemylo.com/business/product-umbrella "Commercial Umbrella")

## What to Confirm in Umbrella and Excess Liability Insurance Quotes

- Ask Mylo where the quoted limit sits in the $1–15 million range and whether overseas primary gaps are in play. [7](https://choosemylo.com/business/product-umbrella "Commercial Umbrella")
- Ask HUB which industry casualty panel and claims or litigation support apply to the layer. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")
- Confirm both quotes require scheduled underlying policies. [7](https://choosemylo.com/business/product-umbrella "Commercial Umbrella") [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")
- Get issuing carrier names from both. [7](https://choosemylo.com/business/product-umbrella "Commercial Umbrella") [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")

## Offering Details

| Criteria | HUB International Umbrella and Excess Liability Insurance Brokerage | Mylo Commercial Umbrella Insurance |
| --- | --- | --- |
| Role in This Line | HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: Casualty insurance product page as read 2026-09-23; the page does not name an issuing insurer..) | Mylo brokers commercial umbrella insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. [7](https://choosemylo.com/business/product-umbrella "Commercial Umbrella") (Evidence: Company-reported; scope: Commercial umbrella product page..) |
| Issuing Insurer | The casualty insurance page does not name an issuing insurer for umbrella or excess coverage; HUB places this coverage with insurers that vary by client and program. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Not found in reviewed sources; scope: Checked the casualty insurance page on 2026-09-23; no carrier is disclosed there..) | The commercial umbrella product page does not name the insurer that would issue a given business's policy. [7](https://choosemylo.com/business/product-umbrella "Commercial Umbrella") (Evidence: Not publicly disclosed; scope: Checked the commercial umbrella product page on 2026-09-23..) |
| Who It’s For | HUB says its casualty expertise, which includes umbrella and excess liability, spans transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate industries. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: Product-page industry list for the broader casualty practice; not umbrella-specific eligibility criteria..) | Mylo says umbrella coverage may also be needed for businesses operating internationally whose primary policy limits overseas protection, or that have signed a contract with a customer, partner or vendor requiring umbrella coverage. [7](https://choosemylo.com/business/product-umbrella "Commercial Umbrella") (Evidence: Company-reported; scope: Commercial umbrella product page FAQ..) |
| Coverage Features | HUB describes umbrella and excess liability coverage as protection against potentially catastrophic liability claim settlements and judgments that exceed the limits of a client's underlying general liability, auto or employers'-liability policies. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: Product-page coverage description; the issued policy and its exclusions control an actual claim..) | 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. [7](https://choosemylo.com/business/product-umbrella "Commercial Umbrella") (Evidence: Company-reported; scope: Commercial umbrella product page; the issued policy and its exclusions control..) |
| Limits and Retentions | Published umbrella or excess limit amounts, attachment points or premium information were not found on the casualty insurance page. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Not publicly disclosed; scope: Checked the casualty insurance page on 2026-09-23; limits are set on the quote and declarations..) | Mylo says most commercial umbrella policies pay out between $1 million and $15 million in additional coverage above the underlying policy's limits. [7](https://choosemylo.com/business/product-umbrella "Commercial Umbrella") (Evidence: Company-reported; scope: Commercial umbrella product page FAQ; a general market range, not a quoted limit for any specific business..) |
| Risk Services | HUB describes a "Global Reach, Local Touch" approach built on extensive carrier relationships and says it applies risk-services, claims, litigation and analytics expertise across its casualty programs, which include umbrella and excess placements. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: Product-page service description; a company-reported capability describing the broader casualty practice, not umbrella-specific service detail..) | Not described in the reviewed sources. |
| How to Apply | Not described in the reviewed sources. | Mylo says a licensed agent reviews the specific business to give a personalized recommendation on whether umbrella coverage makes sense, and compares quotes from top-rated carriers. [7](https://choosemylo.com/business/product-umbrella "Commercial Umbrella") (Evidence: Company-reported; scope: Commercial umbrella product page "How will Mylo find me the right policy?" section..) |

## Full Comparison

- [HUB International vs Mylo](https://spot.insure/compare/hub-international-vs-mylo): all coverage lines, business roles, service and claims.
- [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella and excess liability insurance can add limits above the underlying policies it lists, subject to its coverage terms.
- [HUB International vs Mylo Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-mylo/business-owners-policy)
- [HUB International vs Mylo Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-mylo/commercial-auto)
- [HUB International vs Mylo Cyber Insurance](https://spot.insure/compare/hub-international-vs-mylo/cyber)
- [HUB International vs Mylo Employee Health Benefits](https://spot.insure/compare/hub-international-vs-mylo/employee-health-benefits)
- [HUB International vs Mylo General Liability Insurance](https://spot.insure/compare/hub-international-vs-mylo/general-liability)
- [HUB International vs Mylo Medical Malpractice Insurance](https://spot.insure/compare/hub-international-vs-mylo/medical-malpractice)
- [HUB International vs Mylo Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-mylo/professional-errors-omissions)
- [HUB International vs Mylo Surety Bonds](https://spot.insure/compare/hub-international-vs-mylo/surety-bonds)
- [HUB International vs Mylo Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-mylo/workers-compensation)
- [Alliance Risk vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/umbrella-excess)
- [Alliance Risk vs Mylo Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-mylo/umbrella-excess)
- [Amelia Risk vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/umbrella-excess)
- [Amelia Risk vs Mylo Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-mylo/umbrella-excess)
- [CFC vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-hub-international/umbrella-excess)
- [CFC vs Mylo Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-mylo/umbrella-excess)

## Sources

### HUB International

1. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
2. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
4. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). HUB International; Umbrella & Excess Liability section: protection for potentially catastrophic liability claim settlements and judgments; General & Product Liability section; Global Reach, Local Touch carrier-relationship description; industries served list; Connect With a HUB casualty insurance broker. Accessed 2026-09-23.

### Mylo

5. [Small Business Insurance](https://choosemylo.com/business/business-insurance). Mylo; Hero; What Insurance Does A Small Business Need (Business Owners Policy listing); Get My Quote; Business Insurance FAQs; commercial-product navigation; footer legal disclosure. Accessed 2026-09-16.
6. [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.
7. [Commercial Umbrella](https://choosemylo.com/business/product-umbrella). Mylo; Rainy days? Try Umbrella coverage; Don't put a limit on your success (example scenarios for general liability, commercial auto and workers' comp); Umbrella coverage FAQs (typical payout range, standalone-use limitation); How will Mylo find me the right policy?. Accessed 2026-09-23.

### Umbrella and Excess Liability Insurance Guide

8. [Liability Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance). Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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- [Markdown page](https://spot.insure/compare/hub-international-vs-mylo/umbrella-excess.md)
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