Mylo vs 
Relm Insurance: How Do They Compare for Umbrella and Excess Liability Insurance?
Mylo compares quotes from multiple carriers and says most umbrella policies pay between $1 million and $15 million; Relm Insurance markets excess liability that brokers place, with brokers advising on exact limits.
Mylo is the direct route: a licensed agent compares umbrella quotes from several insurers, and most policies add $1 million to $15 million over your existing coverage. Relm's excess liability comes through your broker and is aimed at energy, manufacturing and transportation businesses with big fleets or large contracts. 1,2
What Are the Key Differences Between Mylo and Relm Insurance Umbrella and Excess Liability Insurance?
Shopping It Yourself Versus Asking Your Broker
A small business that just signed a customer contract requiring an umbrella can go to Mylo, where a licensed agent reviews the business and compares quotes from top-rated insurers. Mylo also flags overseas work, where your primary may limit protection abroad. Relm is a line brokers place for their clients; its page says your broker will advise on the exact limits you need. Choose Mylo if you don't have a broker and want competing quotes; choose Relm if you're an energy, manufacturing or transportation company with a large fleet, lots of public contact or big contracts, and already work with a broker. 1 2
What the Layer Sits On
Mylo's umbrella kicks in once general liability, commercial auto or workers' comp limits are used up, and it can't be bought without those underlying policies. Most of its policies pay $1 million to $15 million more. Relm's excess likewise pays after your underlying liability limits run out, but it publishes no dollar range. 1 2
What Should You Confirm in Mylo and Relm Insurance Umbrella and Excess Liability Insurance Quotes?
- Ask Mylo where your quote falls in its $1 million to $15 million range and whether overseas work is covered. 1
- Ask your broker what limits Relm can offer for your fleet or contract size. 2
- Make sure your underlying policies are in place before you bind with Mylo. 1
- Ask both which insurer issues the policy; neither page names one. 1 2
Mylo vs Relm Insurance Umbrella and Excess Liability Compared
Mylo vs Relm Insurance: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | Mylo Commercial Umbrella Insurance | Relm Excess Liability Insurance |
|---|---|---|
| Who It’s For | 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. 1Company-reported. Commercial umbrella product page FAQ. | Relm says excess liability benefits companies with higher-than-average liability exposure, such as those with large vehicle fleets, significant public interaction or large contracts, and calls it especially important for high-risk industries like energy, manufacturing or transportation. 2Company-reported. Casualty page 'What is Excess Liability Insurance?' section; not a guarantee of eligibility for a particular company. |
| How to Apply | 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. 1Company-reported. Commercial umbrella product page "How will Mylo find me the right policy?" section. | Relm says brokers will always advise on the exact excess liability limits a client needs, framing the product as broker-guided rather than self-service. 2Company-reported. Casualty page 'What is Excess Liability Insurance?' section; no quote was requested during this research. |
| Coverage Features | 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. 1Company-reported. Commercial umbrella product page; the issued policy and its exclusions control. | Relm says excess liability adds protection once the limits of a company's underlying liability policies are exhausted. 2Company-reported. Casualty page 'What is Excess Liability Insurance?' section; the issued policy and declarations control. |
| Role in This Line | Mylo brokers commercial umbrella insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. 1Company-reported. Commercial umbrella product page. | Relm markets Excess Liability Insurance as a casualty line brokers can place for clients whose underlying liability limits may not be sufficient. 2Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. |
