Liberty Mutual vs 
Mylo: How Do They Compare for Cyber Insurance?
What Is Liberty Mutual Business Insurance?
Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. 1,2
What Is Mylo Insurance?
Mylo suits small businesses wanting online quote comparisons or licensed-advisor help; firms needing complex program management should compare full-service brokers. Mylo says 95% of customers pay no fee, though some transactions carry fees. 4,5
What Is Cyber Insurance?
Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. 7,8
Key Differences in Cyber Insurance
Broker Comparison and Coverage Detail
Mylo brokers cyber by comparing multiple carriers and says policies can pay investigation, notification, crisis-management, PR, lost-income, ransom, and data-restoration costs, along with legal and regulatory expenses. Liberty Mutual describes first- and third-party coverage with proactive risk mitigation but does not enumerate those expenses in the reviewed record. Ask Liberty Mutual to map its form to Mylo’s listed cost categories and confirm which are subject to sublimits. 6 3
Online Package or Agent Route
Mylo says cyber coverage can often be added to a business owner’s policy, depending on the carrier. Liberty Mutual directs buyers to a broker or agent and its public record does not say whether Liberty Cyber Resolution can be packaged with other business coverage. If you want one combined policy, ask both representatives to show how cyber coordinates with property, business interruption, and general liability. 6 3
Insurer and Limit Selection
Mylo’s page does not identify the insurer or publish cyber limits and retentions; its broker compares carrier options. Liberty Mutual’s record also leaves the quote-specific limit and issuing entity unstated. Both require the actual proposal to compare the carrier, retention, and available amount of protection. 6 3
What to Confirm in Cyber Insurance Quotes
- Ask Mylo which carrier is proposed, whether cyber is an endorsement to a BOP, and what limits and retentions apply. 6
- Ask Liberty Mutual for its issuing insurer, package options, and a schedule of response and regulatory expenses. 3
- Compare ransomware, social-engineering, vendor-error, and business-interruption wording across both policy forms. 6 3
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Liberty Mutual
Review Score
2 rated sources
Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.[4][1]
Read Liberty Mutual reviewsMylo
Review Score
2 rated sources
Mylo has strong feedback on its Kansas City Birdeye listing, while its tiny Trustpilot sample is negative. Most available feedback mixes personal and business insurance.[4][6][7]
Read Mylo reviewsOffering Details
Liberty Mutual vs Mylo: Cyber Insurance: documented features by provider
| Criteria | Liberty Cyber Resolution | Mylo Cyber Insurance |
|---|---|---|
| Role in This Line | Liberty Mutual lists Liberty Cyber Resolution as a commercial cyber product. 3Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Liberty Cyber Resolution. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. | Mylo brokers cyber insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. 6Company-reported. Cyber insurance product page. |
| Issuing Insurer | Confirm in your quote. | The cyber insurance product page does not name the insurer that would issue a given business's policy. 6Not publicly disclosed. Checked the cyber insurance product page on 2026-09-23. |
| Who It’s For | The commercial cyber page directs business buyers to a broker or agent. 3Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Liberty Cyber Resolution. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. | Mylo markets cyber insurance to businesses that take credit cards or store customer information, citing its own figure that more than two-thirds of small businesses have experienced a cyberattack. 6Company-reported. Cyber insurance product page; a company-reported statistic, not independently verified. |
| Coverage Features | The product description says it includes first- and third-party cyber coverage and proactive risk mitigation. 3Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Liberty Cyber Resolution. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. | Mylo says cyber coverage can pay non-legal costs (breach investigation, customer notification, crisis-management and PR help, lost income, ransom reimbursement, and data restoration) as well as legal and regulatory costs, including defense and fines from a regulator such as HIPAA or from lawsuits by people affected by a breach. 6Company-reported. Cyber insurance product page; the issued policy and its exclusions control. Mylo names hacking and social-engineering attacks (such as spear phishing), employee or partner data errors and misuse, and malware or ransomware as the cyber threats this coverage is designed to address. 6Company-reported. Cyber insurance product page. Mylo says cyber insurance can often be added to a Business Owner's Policy depending on the carrier, alongside general liability, commercial property and business interruption. 6Company-reported. Cyber insurance product page "Add cyber to your Business Owner's Policy (BOP)" section. |
| Limits and Retentions | Confirm in your quote. | The cyber insurance product page does not publish specific coverage limits, retentions or premium ranges. 6Not publicly disclosed. Checked the cyber insurance product page on 2026-09-23. |
| How to Apply | The cited product page does not establish an online application or policy-binding path; ask the listed team or your broker/agent how this product is placed. 3Not found in reviewed sources. Reviewed product-page scope only. This not-found disposition is not a claim that no digital route exists. | Confirm in your quote. |
Full Comparison
More Liberty Mutual vs Mylo Comparisons
Other Cyber Insurance Comparisons
Sources
Liberty Mutual
- Company Profile. Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide). Accessed 2026-09-29.
- Commercial Insurance Solutions. Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary. Accessed 2026-09-29.
- Cyber Insurance. Liberty Mutual Business Insurance; Products section names Liberty Cyber Resolution (first- and third-party cyber) and Liberty Tech Resolution (cyber plus technology E&O); eligibility/placement is broker or agent distributed; page describes risk-engineering and incident-response resources as company-reported services. Accessed 2026-09-29.
Mylo
- Small 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.
- About Mylo. Mylo; Your Digital One-Stop Shop; The Broker Advantage; Proven Heritage, Powerful Future; About Mylo FAQs. Accessed 2026-09-15.
- Cyber Insurance. Mylo; Back up your great reputation with cyber insurance; Do you take credit cards or store customer info? (hacking, data errors/misuse, malware/ransomware); What does cyber insurance do for business owners? (non-legal and legal/regulatory costs); Add cyber to your Business Owner's Policy (BOP); Cyber insurance FAQs. Accessed 2026-09-23.
Cyber Insurance Guide
- Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
- CyberEdge specimen policy. AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.
