---
title: "Liberty Mutual vs Mylo: Surety Bonds"
description: "Liberty Mutual lists a broad commercial bond portfolio; Mylo compares surety-provider quotes for businesses needing local license or permit bonds."
canonical: "https://spot.insure/compare/liberty-mutual-vs-mylo/surety-bonds"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "liberty-mutual-vs-mylo"
provider-a: "liberty-mutual"
provider-b: "mylo"
coverage-line: "surety-bonds"
---

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[Human-readable page](https://spot.insure/compare/liberty-mutual-vs-mylo/surety-bonds)

## Agent Guide

**What this page is:** Focused comparison of Liberty Mutual and Mylo for Surety Bonds: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Surety Bonds questions about Liberty Mutual versus Mylo. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Liberty Mutual vs Mylo for Surety Bonds: how do they differ?
- Which is better for Surety Bonds, Liberty Mutual or Mylo?
- What does Liberty Mutual or Mylo publish about Surety Bonds (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Surety Bonds from Liberty Mutual or Mylo?

**Key facts:**
- Line: Surety Bonds. Providers: Liberty Mutual and Mylo.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Liberty Mutual vs Mylo](https://spot.insure/compare/liberty-mutual-vs-mylo) — parent: all coverage lines for this pair
- [Surety Bonds guide](https://spot.insure/coverage/surety-bonds) — coverage explainer for this line
- [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence)
- [Mylo profile](https://spot.insure/insurance-providers/mylo) — provider profile (evidence)
- [Liberty Mutual vs Mylo Cyber Insurance](https://spot.insure/compare/liberty-mutual-vs-mylo/cyber) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Mylo General Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-mylo/general-liability) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Mylo Umbrella and Excess Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-mylo/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Mylo Workers’ Compensation Insurance](https://spot.insure/compare/liberty-mutual-vs-mylo/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Liberty Mutual Surety Bonds](https://spot.insure/compare/baldwin-vs-liberty-mutual/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Mylo Surety Bonds](https://spot.insure/compare/baldwin-vs-mylo/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Chubb vs Liberty Mutual Surety Bonds](https://spot.insure/compare/chubb-vs-liberty-mutual/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Chubb vs Mylo Surety Bonds](https://spot.insure/compare/chubb-vs-mylo/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [CNA vs Liberty Mutual Surety Bonds](https://spot.insure/compare/cna-vs-liberty-mutual/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [CNA vs Mylo Surety Bonds](https://spot.insure/compare/cna-vs-mylo/surety-bonds) — sibling comparison (other line, or other pair for this line)

# Liberty Mutual vs Mylo: How Do They Compare for Surety Bonds?

Liberty Mutual lists a broad commercial bond portfolio; Mylo compares surety-provider quotes for businesses needing local license or permit bonds.

## Research Scope and Use

Use this comparison to evaluate Liberty Mutual and Mylo for Surety Bonds 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

Mylo focuses on local license and permit requirements and compares quotes from multiple sureties; Liberty Mutual names a wider list including court, appeal, ERISA, and fidelity bonds. [3](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds") [6](https://choosemylo.com/business/product-surety-bonds "Surety Bonds")

## 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](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [2](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions")

[Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual)

## 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](https://choosemylo.com/business/business-insurance "Small Business Insurance") [5](https://choosemylo.com/our-story "About Mylo")

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

## What Are Surety Bonds?

A surety bond guarantees that your business meets a specific obligation to a customer, contracting party or government agency. If a contract, license or permit requires one, get its exact form and amount; a bond is not insurance for your own losses. [7](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [8](https://www.sba.gov/funding-programs/surety-bonds "Surety bonds") [9](https://www.law.cornell.edu/uscode/text/40/3131 "40 U.S. Code § 3131 — Bonds of contractors of public buildings or works") [10](https://www.chubb.com/us-en/surety.html "Surety Bonds") [11](https://www.harperinsure.com/coverages/surety-bonds "Surety Bonds Insurance")

## Key Differences in Surety Bonds

### Mylo centers on required local bonds

Mylo markets surety bonds to businesses whose local government requires one to hold a license or permit, and says it can recommend a bond and compare provider quotes. Liberty Mutual lists license and permit bonds alongside court, appeal, tax appeal, reclamation, utility payment, ERISA, and fidelity bonds. For a local licensing requirement, Mylo's matching and quote-comparison service is directly relevant; for a less common commercial obligation, Liberty Mutual's list names more categories. [6](https://choosemylo.com/business/product-surety-bonds "Surety Bonds") [3](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds")

### The roles and claim obligations are explicit at Mylo

Mylo explains the bond as a three-party agreement: the surety pays the government if the business violates its license or permit, then seeks reimbursement from the business. Liberty Mutual lists bond forms but does not explain this repayment process in its product summary. Ask Mylo for the indemnity terms and ask Liberty Mutual's representative for the agreement and any collateral requirements. [6](https://choosemylo.com/business/product-surety-bonds "Surety Bonds") [3](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds")

### Liberty Mutual identifies business-size markets

Liberty Mutual describes both small- and large-commercial bond markets and directs prospects to a surety representative. Mylo's reviewed description focuses on businesses facing local license and permit requirements, without a size split. For multiple locations, ask Mylo about jurisdictional quotes and Liberty Mutual which market handles the account. [3](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds") [6](https://choosemylo.com/business/product-surety-bonds "Surety Bonds")

## What to Confirm in Surety Bonds Quotes

- Ask Mylo which surety is issuing the bond, what indemnity you sign, and whether it covers every jurisdiction where you operate. [6](https://choosemylo.com/business/product-surety-bonds "Surety Bonds")
- Ask Liberty Mutual which commercial market handles the bond, plus the required documents, collateral, and exact form. [3](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds")

## Offering Details

| Criteria | Commercial Bonds | Mylo Surety Bonds |
| --- | --- | --- |
| Role in This Line | Liberty Mutual Surety lists commercial bonds for business customers. [3](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Bonds. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | Mylo brokers commercial surety bonds by comparing quotes from multiple surety providers rather than acting as the surety itself. [6](https://choosemylo.com/business/product-surety-bonds "Surety Bonds") (Evidence: Company-reported; scope: Surety bonds product page..) |
| Issuing Insurer | Confirm in your quote. | The surety bonds product page does not name the specific surety company that would issue a given business's bond. [6](https://choosemylo.com/business/product-surety-bonds "Surety Bonds") (Evidence: Not publicly disclosed; scope: Checked the surety bonds product page on 2026-09-23..) |
| Who It’s For | The page describes large-commercial and small-commercial markets and instructs prospective customers to contact a surety representative. [3](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Bonds. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | Mylo markets surety bonds to businesses whose local government requires a bond to hold a business license or permit. [6](https://choosemylo.com/business/product-surety-bonds "Surety Bonds") (Evidence: Company-reported; scope: Surety bonds product page..) |
| Coverage Features | The page names court, appeal, license/permit, ERISA, fidelity and other commercial bond types; bonding is distinct from liability insurance. [3](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Bonds. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | Mylo explains a surety bond as a three-way agreement between the business (principal), a government authority (obligee) and an insurance company (surety): the surety pays the government authority if the business violates its license or permit, and the business must then reimburse the surety. [6](https://choosemylo.com/business/product-surety-bonds "Surety Bonds") (Evidence: Company-reported; scope: Surety bonds product page; a structural description, not a specific bond's terms..)<br><br>Mylo warns that if a business cannot reimburse the surety after a bond payout, the surety may sue, the business could lose its license, and it could become harder to obtain a bond in the future. [6](https://choosemylo.com/business/product-surety-bonds "Surety Bonds") (Evidence: Company-reported; scope: Surety bonds product page FAQ..) |
| Limits and Retentions | Confirm in your quote. | The surety bonds product page does not publish typical bond amounts or premium ranges; these depend on the license or permit requirement and the business's profession. [6](https://choosemylo.com/business/product-surety-bonds "Surety Bonds") (Evidence: Not publicly disclosed; scope: Checked the surety bonds 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. [3](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds") (Evidence: Not found in reviewed sources; scope: Reviewed product-page scope only. This not-found disposition is not a claim that no digital route exists..) | Mylo says it can recommend the right bond for a business, compare quotes across surety bond providers, and find the best combination of coverage and price. [6](https://choosemylo.com/business/product-surety-bonds "Surety Bonds") (Evidence: Company-reported; scope: Surety bonds product page "How will Mylo help me find the right bond?" section..) |

## Full Comparison

- [Liberty Mutual vs Mylo](https://spot.insure/compare/liberty-mutual-vs-mylo): all coverage lines, business roles, service and claims.
- [What Are Surety Bonds?](https://spot.insure/coverage/surety-bonds): A surety bond guarantees a specific obligation your business owes to a customer, contracting party or agency; it does not insure your own losses.
- [Liberty Mutual vs Mylo Cyber Insurance](https://spot.insure/compare/liberty-mutual-vs-mylo/cyber)
- [Liberty Mutual vs Mylo General Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-mylo/general-liability)
- [Liberty Mutual vs Mylo Umbrella and Excess Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-mylo/umbrella-excess)
- [Liberty Mutual vs Mylo Workers’ Compensation Insurance](https://spot.insure/compare/liberty-mutual-vs-mylo/workers-compensation)
- [The Baldwin Group vs Liberty Mutual Surety Bonds](https://spot.insure/compare/baldwin-vs-liberty-mutual/surety-bonds)
- [The Baldwin Group vs Mylo Surety Bonds](https://spot.insure/compare/baldwin-vs-mylo/surety-bonds)
- [Chubb vs Liberty Mutual Surety Bonds](https://spot.insure/compare/chubb-vs-liberty-mutual/surety-bonds)
- [Chubb vs Mylo Surety Bonds](https://spot.insure/compare/chubb-vs-mylo/surety-bonds)
- [CNA vs Liberty Mutual Surety Bonds](https://spot.insure/compare/cna-vs-liberty-mutual/surety-bonds)
- [CNA vs Mylo Surety Bonds](https://spot.insure/compare/cna-vs-mylo/surety-bonds)

## Sources

### Liberty Mutual

1. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/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.
2. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-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.
3. [Commercial Bonds](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/). Liberty Mutual Business Insurance; ‘Broad slate of commercial bonds’ enumerates court/fiduciary, appeal, tax appeal, self-insurer workers compensation, license/permit, reclamation, lost instrument, utility payment, service/supply, business services, public official, ERISA, fidelity and miscellaneous bonds; page states distinct large/small commercial audiences and qualified program scale.. Accessed 2026-09-29.

### Mylo

4. [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.
5. [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.
6. [Surety Bonds](https://choosemylo.com/business/product-surety-bonds). Mylo; Surety bonds show you mean business; How does a surety bond work?; Surety bond FAQs; How will Mylo help me find the right bond?. Accessed 2026-09-23.

### Surety Bonds Guide

7. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Surety Bond; Fidelity. Accessed 2026-09-16.
8. [Surety bonds](https://www.sba.gov/funding-programs/surety-bonds). U.S. Small Business Administration; Opening guarantee of work completion; Contract or commercial bonds; Bid, Payment, Performance, Ancillary; Eligibility > credit, capacity, and character. Accessed 2026-09-16.
9. [40 U.S. Code § 3131 — Bonds of contractors of public buildings or works](https://www.law.cornell.edu/uscode/text/40/3131). Legal Information Institute, Cornell Law School, reproducing 40 U.S.C. § 3131; §3131(b) Type of Bonds Required — performance bond and payment bond. Accessed 2026-09-16.
10. [Surety Bonds](https://www.chubb.com/us-en/surety.html). Chubb; Construction Surety Bonds (performance, payment, maintenance); Commercial Surety Bonds (license and permit, court, commercial contract). Accessed 2026-09-16.
11. [Surety Bonds Insurance](https://www.harperinsure.com/coverages/surety-bonds). Harper; What is Surety Bonds insurance?; A bond is not insurance; License & permit bonds; Contract bonds — bid, performance, and payment; Is a bond the same as insurance?. Accessed 2026-09-16.

Updated 2026-09-30. 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.

## Liberty Mutual Reviews

Review Score: 7.2 / 10 from 2 rated sources, equally weighted.

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.

- NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance)
- Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/liberty-mutual/reviews).

## Mylo Reviews

Review Score: 7.7 / 10 from 2 rated sources, equally weighted.

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.

- Trustpilot: TrustScore 2.9 (0–5 stars); 2 reviews. Trustpilot brand profile linked to choosemylo.com and Kansas City address; two user reviews from U.S. reviewers, both about auto-insurance shopping, not commercial policies. Trustpilot warns reviews may not be representative. Period: 0 reviews in prior 12 months; accessed 2026-09-25. Checked 2026-09-25. [Mylo Reviews | Trustpilot](https://uk.trustpilot.com/review/choosemylo.com)
- Birdeye (aggregates Google and Birdeye reviews): combined Google/Birdeye star rating 4.8 (0–5 stars); 1329 reviews. Kansas City office at 8880 Ward Pkwy #200; profile links to choosemylo.com and identifies insurance products including business, home, auto, health and group health. Birdeye shows 1,328 Google and 1 Birdeye review. Local office and mixed-product profile, not company-wide commercial-only consensus. Period: Observed 2026-09-25; 1,328 Google-origin plus one Birdeye review. Checked 2026-09-25. [Mylo, a Lockton Company | Birdeye](https://reviews.birdeye.com/mylo-a-lockton-company-155339142807839)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/mylo/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/liberty-mutual-vs-mylo/surety-bonds.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)