---
title: "Mylo vs Simply Business"
description: "Compare Mylo and Simply Business by coverage fit, application route, insurer roles and the questions to ask before choosing a small-business policy."
canonical: "https://spot.insure/compare/mylo-vs-simply-business"
page-type: "provider-comparison"
updated-at: "2026-09-30"
---

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[Human-readable page](https://spot.insure/compare/mylo-vs-simply-business)

# Mylo vs Simply Business

Compare Mylo and Simply Business by coverage fit, application route, insurer roles and the questions to ask before choosing a small-business policy.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Highlights

Consider Mylo if your business fits commercial businesses, and Simply Business if it fits small businesses. Their catalogues overlap on business owners’ policy, cyber, general liability; compare each quote route, identified insurer and policy form before choosing. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [21](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story")

## Provider Reliability Assessments

These sourced assessments are shown for context; this comparison does not select a winner.

### Mylo

Role: Broker.

Broker Spot Score: **5.0/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/mylo/reliability).

### Simply Business

Role: Broker.

Broker Spot Score: **No Spot Score**. Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Identity and Authority (No numerical score was produced because the overall evidence outcome was conflicting-evidence; excluded factors cannot hide that outcome. Canonical evidence gaps: The relation between Simply Business, Inc. and Simply Business, LLC remains unresolved in reviewed disclosures.; No line/state carrier appointment list, material binding authority evidence, capacity agreement or placement share was reviewed.; The renewal wording conflict remains unresolved; the applicable rule for any particular policy is unknown.; For the all-states-and-D.C. company statement and the other listed state names, the contact page supplies no jurisdiction-specific identifiers or license classes; those details remain unknown.; No state DOI or NIPR producer lookup was run; the CA licence 0M20593 and 'all states' claim are company-reported only.; No carrier-by-state appointment list, and no rating for individual panel carriers, was found.; The Travelers AM Best rating found is for 'Travelers Casualty and Surety Company of America'; the Terms name a differently worded entity, and it is a parent rating, not a broker measure.; UK operations and FCA status were out of scope.); Carrier-Network Strength (No numerical score was produced because the overall evidence outcome was conflicting-evidence; excluded factors cannot hide that outcome. Canonical evidence gaps: The relation between Simply Business, Inc. and Simply Business, LLC remains unresolved in reviewed disclosures.; No line/state carrier appointment list, material binding authority evidence, capacity agreement or placement share was reviewed.; The renewal wording conflict remains unresolved; the applicable rule for any particular policy is unknown.; For the all-states-and-D.C. company statement and the other listed state names, the contact page supplies no jurisdiction-specific identifiers or license classes; those details remain unknown.; No state DOI or NIPR producer lookup was run; the CA licence 0M20593 and 'all states' claim are company-reported only.; No carrier-by-state appointment list, and no rating for individual panel carriers, was found.; The Travelers AM Best rating found is for 'Travelers Casualty and Surety Company of America'; the Terms name a differently worded entity, and it is a parent rating, not a broker measure.; UK operations and FCA status were out of scope.); Regulatory Conduct (No numerical score was produced because the overall evidence outcome was conflicting-evidence; excluded factors cannot hide that outcome. Canonical evidence gaps: The relation between Simply Business, Inc. and Simply Business, LLC remains unresolved in reviewed disclosures.; No line/state carrier appointment list, material binding authority evidence, capacity agreement or placement share was reviewed.; The renewal wording conflict remains unresolved; the applicable rule for any particular policy is unknown.; For the all-states-and-D.C. company statement and the other listed state names, the contact page supplies no jurisdiction-specific identifiers or license classes; those details remain unknown.; No state DOI or NIPR producer lookup was run; the CA licence 0M20593 and 'all states' claim are company-reported only.; No carrier-by-state appointment list, and no rating for individual panel carriers, was found.; The Travelers AM Best rating found is for 'Travelers Casualty and Surety Company of America'; the Terms name a differently worded entity, and it is a parent rating, not a broker measure.; UK operations and FCA status were out of scope.); Disclosure Clarity (No numerical score was produced because the overall evidence outcome was conflicting-evidence; excluded factors cannot hide that outcome. Canonical evidence gaps: The relation between Simply Business, Inc. and Simply Business, LLC remains unresolved in reviewed disclosures.; No line/state carrier appointment list, material binding authority evidence, capacity agreement or placement share was reviewed.; The renewal wording conflict remains unresolved; the applicable rule for any particular policy is unknown.; For the all-states-and-D.C. company statement and the other listed state names, the contact page supplies no jurisdiction-specific identifiers or license classes; those details remain unknown.; No state DOI or NIPR producer lookup was run; the CA licence 0M20593 and 'all states' claim are company-reported only.; No carrier-by-state appointment list, and no rating for individual panel carriers, was found.; The Travelers AM Best rating found is for 'Travelers Casualty and Surety Company of America'; the Terms name a differently worded entity, and it is a parent rating, not a broker measure.; UK operations and FCA status were out of scope.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/simply-business/reliability).

## 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).

## Simply Business Reviews

Review Score: 5.7 / 10 from 4 rated sources, equally weighted.

Customers disagree about Simply Business. Trustpilot shows 4.3 out of 5 from 1,901 reviews, but BBB customers give it 1.95 from 20 reviews and ConsumerAffairs shows 1.0.

- Trustpilot: TrustScore 4.3 (out of 5); 1901 reviews. Simply Business US Trustpilot profile. Reviews are not tied to a specific insurance line or insurer. Period: profile accessed 2026-09-29; 419 in last 12 months. Checked 2026-09-29. [Simply Business US Reviews](https://www.trustpilot.com/review/simplybusiness.com)
- ConsumerAffairs: ConsumerAffairs header rating 1.0 (out of 5 (breakdown conflicts with review filters)); 148 reviews. ConsumerAffairs Simply Business page, broad business-insurance context; not line-specific. Period: page updated 2026-09-17; denominator unresolved. Checked 2026-09-29. [Simply Business Reviews](https://www.consumeraffairs.com/insurance/simply-business.html)
- BBB: BBB business grade B+ (BBB letter grade). BBB profile classifies Simply Business as an insurance agency; business grade, consumer-review average and complaint ledger are separate measures, none is line-specific. Period: profile accessed 2026-09-29. Checked 2026-09-29. [Simply Business BBB Business Profile](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591); [Simply Business BBB Complaints](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/complaints); [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews)
- BBB: BBB customer review average 1.95 (out of 5); 20 reviews. BBB customer-review average for the Simply Business profile (Boston, MA). Separate from the business grade. Period: BBB review page checked 2026-09-29. Checked 2026-09-29. [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews)

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

## Introduction

This comparison pairs commercial businesses through Mylo with small businesses through Simply Business. Their coverage catalogues share business owners’ policy, cyber, general liability. If one of those lines fits your business, compare the proposed forms and quote routes side by side; listed lines do not establish equal policy terms or eligibility. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [21](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story")



## Coverage Comparison

| Coverage Type | Mylo | Simply Business |
| --- | --- | --- |
| [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Listed: Mylo lists a business owner’s policy among its business insurance products. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [5](https://choosemylo.com/business/product-business-owners-policy "Business Owner’s Policy") | Listed [30](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed: As of September 16, 2026, Mylo invites commercial-auto quote requests and describes comparing policies from multiple insurers. [6](https://choosemylo.com/business/product-commercial-auto "Commercial Auto Insurance") | Not listed |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Not listed | Listed: Offered as part of a BOP, rather than as a standalone policy. [31](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/commercial-property-insurance/ "Commercial Property Insurance") [30](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed: Mylo invites cyber insurance quote requests and compares policies from multiple insurers. [8](https://choosemylo.com/business/product-cyber "Cyber Insurance") | Listed: Add-on for select buyers purchasing another business policy; phone quote route. [33](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance") |
| [Employee health and benefits](https://spot.insure/coverage/employee-health-benefits) | Listed: Mylo helps employers with 2–99 employees compare and enroll in small-group health, dental and vision plans. [14](https://choosemylo.com/groupbenefits "Small Group Benefits") | Not listed |
| [General liability](https://spot.insure/coverage/general-liability) | Listed: Mylo compares general liability quotes from insurance carriers and also offers package options. [7](https://choosemylo.com/business/product-commercial-general-liability "Commercial General Liability Insurance") | Listed [27](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") |
| [Medical malpractice](https://spot.insure/coverage/medical-malpractice) | Listed: Mylo compares medical malpractice insurance options from insurers. [9](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") | Not listed |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: Mylo compares professional liability quotes for claims from clients unhappy with professional services. [10](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") | Listed [29](https://www.simplybusiness.com/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Coverage") |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Listed: Mylo compares commercial surety-bond quotes for license or permit obligations. [11](https://choosemylo.com/business/product-surety-bonds "Surety Bonds") | Not listed |
| [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Not listed | Listed [32](https://www.simplybusiness.com/business-insurance/inland-marine-insurance/ "Inland Marine Insurance") |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed: Mylo compares commercial umbrella quotes from insurers. [12](https://choosemylo.com/business/product-umbrella "Commercial Umbrella Insurance") | Not listed |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed: Mylo compares workers’ compensation options from insurers. [13](https://choosemylo.com/business/product-workers-comp "Workers’ Compensation Insurance") | Listed [28](https://www.simplybusiness.com/business-insurance/workers-compensation-insurance/ "Workers’ Compensation Insurance for Small Business") |

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.



## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## Key Differences Between Mylo and Simply Business

### Business Fit and Coverage

The catalogues share business owners’ policy, cyber, general liability; other listed lines appear in the comparison table. For the overlap, match the policy forms, limits, exclusions and endorsements before treating the products as alternatives. A shared line name does not establish equal protection or eligibility.

Simply Business says it serves small businesses and solopreneurs and lists examples such as contractors, cleaning businesses, LLCs and sole proprietors. These examples describe its stated audience, not guaranteed insurer eligibility or availability. [21](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [26](https://www.simplybusiness.com/business-insurance/ "Business Insurance for Small Businesses") [22](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Company-described U.S. audience; eligibility varies by insurer, state and business details.; verified: 2026-09-29.)

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. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [5](https://choosemylo.com/business/product-business-owners-policy "Business Owner’s Policy") [6](https://choosemylo.com/business/product-commercial-auto "Commercial Auto Insurance") [7](https://choosemylo.com/business/product-commercial-general-liability "Commercial General Liability Insurance") [8](https://choosemylo.com/business/product-cyber "Cyber Insurance") [9](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") [10](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") [11](https://choosemylo.com/business/product-surety-bonds "Surety Bonds") [12](https://choosemylo.com/business/product-umbrella "Commercial Umbrella Insurance") [13](https://choosemylo.com/business/product-workers-comp "Workers’ Compensation Insurance") (Evidence: Company-reported; scope: Directly 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.; verified: 2026-09-15.)

### Roles and Quote Access

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. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [2](https://choosemylo.com/our-story "About Mylo") (Evidence: Company-reported; scope: Mylo’s direct US small-business offering. The reviewed sources establish Mylo’s described brokerage role, not the suitability or availability of a particular policy.; verified: 2026-09-15.)

Simply Business describes its U.S. service as an online commercial-insurance marketplace and licensed producer connecting business customers with insurers. Its June 30, 2026 Terms identify Simply Business, LLC and Harborway Insurance Agency, LLC d/b/a Harborway Insurance as licensed producers, with Harborway a Simply Business subsidiary; the Terms say Harborway policies are underwritten by Spinnaker Insurance Company. Other site policies are underwritten by third-party providers, so the selected issuer depends on the offer and policy. These roles and license statements are company-reported. The contact-page footer says Simply Business, LLC is licensed in all U.S. states and D.C.; for California it says the company operates under the name Simply Business Insurance Agency, LLC and displays License #0M20593. The footer also lists Colorado, New York, Pennsylvania and Texas operating names; it gives no other license identifiers. No regulator lookup was performed or required for this candidate. [21](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [22](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [34](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Producer Compensation Disclosure (United States)") [23](https://www.simplybusiness.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: U.S. commercial insurance distribution described by the company. Simply Business, LLC, Simply Business, Inc., Harborway Insurance Agency, LLC, the stated parent and each policy issuer are distinct. The Inc./LLC relationship remains unresolved.; verified: 2026-09-29.)

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. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [3](https://choosemylo.com/terms-of-use "Terms Of Use") (Evidence: Company-reported; scope: Current direct small-business workflow described on Mylo’s site. The sources do not promise a quote, bindable offer or completion time for every applicant.; verified: 2026-09-15.)

The company advertises online quotes and weekday phone access to licensed agents. Its Terms say a quote is not guaranteed and Simply Business cannot bind a risk without panel-member approval; a quote or online purchase path does not establish that every applicant can bind online. [23](https://www.simplybusiness.com/contact-us/ "Contact Us") [22](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Published U.S. quote and service channels. Binding depends on panel-member approval and the individual offer.; verified: 2026-09-29.)

Use these routes to plan who will assemble the submission and whether you can complete the purchase online or need an agent or broker. Ask Mylo and Simply Business to confirm the route for your state, coverage and business details; an online quote path alone does not show that a risk can be bound. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [23](https://www.simplybusiness.com/contact-us/ "Contact Us")

### Policy Service and Claims

The reviewed public pages identify Mylo advisors, a service-professional fallback and a benefits HR portal, but do not establish one universal workflow for commercial policy changes, certificates, renewals or cancellations across carriers. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [4](https://choosemylo.com/contact-your-carrier "Contact Your Carrier") [14](https://choosemylo.com/groupbenefits "Small Group Benefits") (Evidence: Not found in reviewed sources; scope: Public direct-business, carrier-contact and group-benefits pages reviewed on 15 September 2026. Carrier- or policy-specific service may still be available.; verified: 2026-09-15.)

The company describes account access for policy documents, certificates, account updates and adding coverage; help material routes some changes to an agent or insurer. Not every policy change is described as self-service. [23](https://www.simplybusiness.com/contact-us/ "Contact Us") [24](https://www.simplybusiness.com/help-center/ "Help Center") [22](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Company-described post-purchase service paths; available tasks may depend on policy and insurer.; verified: 2026-09-29.)

Mylo publishes carrier-specific support and claims contacts and directs customers to the insurer for many service needs. If a carrier is not listed, the page gives a Mylo Service Professional number; it does not promise that Mylo decides or pays claims. [4](https://choosemylo.com/contact-your-carrier "Contact Your Carrier") (Evidence: Company-reported; scope: Public service directory for existing customers. Claim reporting duties and deadlines remain controlled by the applicable policy and insurer instructions.; verified: 2026-09-15.)

The Terms say third-party insurers underwrite site policies and each provider handles claims on its own policies; the Help Center directs policyholders to identify and contact the insurer. This establishes a published route, not agency assistance after notice or claim outcomes. [22](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [24](https://www.simplybusiness.com/help-center/ "Help Center") (Evidence: Company-reported; scope: General site-policy claim responsibility. Harborway/Spinnaker applies only to the named Harborway placement relationship.; verified: 2026-09-29.)

Compare the practical handoffs for documents, policy changes, renewal questions and claim notices. A listed support route describes access to help, not a claim outcome or a guarantee of service speed.

## What to Confirm in Quotes

Request quotes for the same business details, coverage lines, limits, deductibles or retentions and policy period. Ask Mylo and Simply Business to name the producer and issuing insurer for each proposed policy, confirm who can bind it, and itemize any customer fees or intermediary compensation. For the overlapping business owners’ policy, cyber, general liability, compare the actual insuring agreement, exclusions, sublimits and endorsements. Also confirm who handles account changes and receives claim notices. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [21](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [2](https://choosemylo.com/our-story "About Mylo") [22](https://www.simplybusiness.com/terms-conditions/ "Terms of Service")

## Compare Services

What each provider documents about the services you may need.

| Criteria | Mylo | Simply Business |
| --- | --- | --- |
| Business role | 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. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [2](https://choosemylo.com/our-story "About Mylo") (Evidence: Company-reported; scope: Mylo’s direct US small-business offering. The reviewed sources establish Mylo’s described brokerage role, not the suitability or availability of a particular policy.; verified: 2026-09-15.)<br><br>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. [2](https://choosemylo.com/our-story "About Mylo") [16](https://www.group1001.com/news/insurtech-mylo-teams-with-gainbridge-to-introduce-gainbridge-protect "Insurtech Mylo Teams With Gainbridge To Introduce Gainbridge Protect") [17](https://www.bizjournals.com/kansascity/news/2023/05/23/mylo-new-owners-group-1001-guggenheim-lockton.html "Mylo Is No Longer Part Of Lockton") (Evidence: Verified; scope: Corporate 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.; verified: 2026-09-15.)<br><br>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. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [3](https://choosemylo.com/terms-of-use "Terms Of Use") [18](https://search.sunbiz.org/Inquiry/CorporationSearch/SearchResults?Detail=FL.DOS.Corporations.Shared.Contracts.FilingRecord&InquiryDirectionType=ForwardRecord&InquiryType=EntityName&ListNameOrder=MYLLISEXPRESS+P160000457340&SearchNameOrder=MYLO+F482990&SearchTerm=MYLKATZ+INC. "Mylo, LLC Entity Record") [19](https://www.mass.gov/doc/licensed-p-and-c-agenciespdf/download "Licensed Property And Casualty Agencies") (Evidence: Verified; scope: Entity 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.; verified: 2026-09-15.)<br><br>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. [15](https://choosemylo.com/partner-with-us "Partner With Mylo") [16](https://www.group1001.com/news/insurtech-mylo-teams-with-gainbridge-to-introduce-gainbridge-protect "Insurtech Mylo Teams With Gainbridge To Introduce Gainbridge Protect") (Evidence: Company-reported; scope: Partner-distribution model described by Mylo and Group 1001. The sources do not establish the legal role for every partner implementation.; verified: 2026-09-15.) | Simply Business describes its U.S. service as an online commercial-insurance marketplace and licensed producer connecting business customers with insurers. Its June 30, 2026 Terms identify Simply Business, LLC and Harborway Insurance Agency, LLC d/b/a Harborway Insurance as licensed producers, with Harborway a Simply Business subsidiary; the Terms say Harborway policies are underwritten by Spinnaker Insurance Company. Other site policies are underwritten by third-party providers, so the selected issuer depends on the offer and policy. These roles and license statements are company-reported. The contact-page footer says Simply Business, LLC is licensed in all U.S. states and D.C.; for California it says the company operates under the name Simply Business Insurance Agency, LLC and displays License #0M20593. The footer also lists Colorado, New York, Pennsylvania and Texas operating names; it gives no other license identifiers. No regulator lookup was performed or required for this candidate. [21](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [22](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [34](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Producer Compensation Disclosure (United States)") [23](https://www.simplybusiness.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: U.S. commercial insurance distribution described by the company. Simply Business, LLC, Simply Business, Inc., Harborway Insurance Agency, LLC, the stated parent and each policy issuer are distinct. The Inc./LLC relationship remains unresolved.; verified: 2026-09-29.) |
| Application process | 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. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [3](https://choosemylo.com/terms-of-use "Terms Of Use") (Evidence: Company-reported; scope: Current direct small-business workflow described on Mylo’s site. The sources do not promise a quote, bindable offer or completion time for every applicant.; verified: 2026-09-15.)<br><br>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. [3](https://choosemylo.com/terms-of-use "Terms Of Use") (Evidence: Company-reported; scope: Website 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.; verified: 2026-09-29.) | The company advertises online quotes and weekday phone access to licensed agents. Its Terms say a quote is not guaranteed and Simply Business cannot bind a risk without panel-member approval; a quote or online purchase path does not establish that every applicant can bind online. [23](https://www.simplybusiness.com/contact-us/ "Contact Us") [22](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Published U.S. quote and service channels. Binding depends on panel-member approval and the individual offer.; verified: 2026-09-29.) |
| Servicing and renewals | The reviewed public pages identify Mylo advisors, a service-professional fallback and a benefits HR portal, but do not establish one universal workflow for commercial policy changes, certificates, renewals or cancellations across carriers. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [4](https://choosemylo.com/contact-your-carrier "Contact Your Carrier") [14](https://choosemylo.com/groupbenefits "Small Group Benefits") (Evidence: Not found in reviewed sources; scope: Public direct-business, carrier-contact and group-benefits pages reviewed on 15 September 2026. Carrier- or policy-specific service may still be available.; verified: 2026-09-15.) | Simply Business lists licensed-agent phone support Monday through Friday: sales 8 a.m.–8 p.m. Eastern Time and service 9 a.m.–6 p.m. These listed hours do not establish a response-time guarantee. [23](https://www.simplybusiness.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: Hours displayed on the current U.S. contact page; no actual wait-time observation is implied.; verified: 2026-09-29.)<br><br>The company describes account access for policy documents, certificates, account updates and adding coverage; help material routes some changes to an agent or insurer. Not every policy change is described as self-service. [23](https://www.simplybusiness.com/contact-us/ "Contact Us") [24](https://www.simplybusiness.com/help-center/ "Help Center") [22](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Company-described post-purchase service paths; available tasks may depend on policy and insurer.; verified: 2026-09-29.)<br><br>The Help Center FAQ says most customers opt into automatic renewal and gives 60-day notice and 30-day processing timing only for those who opt in. The same Help Center summary and June 30, 2026 Terms use broader automatic-renewal wording without the FAQ’s opt-in qualification. The public descriptions conflict; they do not establish which wording applies to every policy. [24](https://www.simplybusiness.com/help-center/ "Help Center") [22](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Conflicting sources; scope: Company-published descriptions reviewed 2026-09-29. FAQ detail, Help Center summary and Terms are inconsistent; no buyer-specific policy notice was reviewed.; verified: 2026-09-29.) |
| Claims assistance | Mylo publishes carrier-specific support and claims contacts and directs customers to the insurer for many service needs. If a carrier is not listed, the page gives a Mylo Service Professional number; it does not promise that Mylo decides or pays claims. [4](https://choosemylo.com/contact-your-carrier "Contact Your Carrier") (Evidence: Company-reported; scope: Public service directory for existing customers. Claim reporting duties and deadlines remain controlled by the applicable policy and insurer instructions.; verified: 2026-09-15.) | The Terms say third-party insurers underwrite site policies and each provider handles claims on its own policies; the Help Center directs policyholders to identify and contact the insurer. This establishes a published route, not agency assistance after notice or claim outcomes. [22](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [24](https://www.simplybusiness.com/help-center/ "Help Center") (Evidence: Company-reported; scope: General site-policy claim responsibility. Harborway/Spinnaker applies only to the named Harborway placement relationship.; verified: 2026-09-29.) |
| Fees and compensation | 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. [2](https://choosemylo.com/our-story "About Mylo") (Evidence: Company-reported; scope: Company-wide consumer disclosure on Mylo’s About page. It does not identify the commission or fee for a specific commercial placement.; verified: 2026-09-15.) | The Terms say Simply Business receives commission or other compensation from or through panel members and that customers may also incur separate processing, administrative, service, installment or cancellation fees. They give no amount or placement-specific applicability; the Terms say charges are disclosed before purchase. [22](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: General disclosure dated 2026-06-30; no specific commission, fee schedule, premium or customer charge was reviewed.; verified: 2026-09-29.) |

## Related Reading

- [What Is Mylo Insurance?](https://spot.insure/insurance-providers/mylo)
- [Simply Business: Online Small-Business Insurance Marketplace](https://spot.insure/insurance-providers/simply-business)

## Related Comparisons

- [AIG vs Mylo](https://spot.insure/compare/aig-vs-mylo)
- [AIG vs Simply Business](https://spot.insure/compare/aig-vs-simply-business)
- [Alliance Risk vs Mylo](https://spot.insure/compare/alliance-risk-vs-mylo)
- [Alliance Risk vs Simply Business](https://spot.insure/compare/alliance-risk-vs-simply-business)
- [Amelia Risk vs Mylo](https://spot.insure/compare/amelia-risk-vs-mylo)
- [Amelia Risk vs Simply Business](https://spot.insure/compare/amelia-risk-vs-simply-business)
- [Aon vs Mylo](https://spot.insure/compare/aon-vs-mylo)
- [Aon vs Simply Business](https://spot.insure/compare/aon-vs-simply-business)
- [Armilla vs Mylo](https://spot.insure/compare/armilla-vs-mylo)
- [Armilla vs Simply Business](https://spot.insure/compare/armilla-vs-simply-business)
- [At-Bay vs Mylo](https://spot.insure/compare/at-bay-vs-mylo)
- [At-Bay vs Simply Business](https://spot.insure/compare/at-bay-vs-simply-business)
- [The Baldwin Group vs Mylo](https://spot.insure/compare/baldwin-vs-mylo)
- [The Baldwin Group vs Simply Business](https://spot.insure/compare/baldwin-vs-simply-business)
- [Beazley vs Mylo](https://spot.insure/compare/beazley-vs-mylo)
- [Beazley vs Simply Business](https://spot.insure/compare/beazley-vs-simply-business)
- [Berkshire Hathaway Specialty Insurance vs Mylo](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-mylo)
- [Berkshire Hathaway Specialty Insurance vs Simply Business](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-simply-business)
- [biBerk vs Mylo](https://spot.insure/compare/biberk-vs-mylo)
- [biBerk vs Simply Business](https://spot.insure/compare/biberk-vs-simply-business)
- [CFC vs Mylo](https://spot.insure/compare/cfc-vs-mylo)
- [CFC vs Simply Business](https://spot.insure/compare/cfc-vs-simply-business)
- [Chubb vs Mylo](https://spot.insure/compare/chubb-vs-mylo)
- [Chubb vs Simply Business](https://spot.insure/compare/chubb-vs-simply-business)
- [CNA vs Mylo](https://spot.insure/compare/cna-vs-mylo)
- [CNA vs Simply Business](https://spot.insure/compare/cna-vs-simply-business)
- [Coalition vs Mylo](https://spot.insure/compare/coalition-vs-mylo)
- [Coalition vs Simply Business](https://spot.insure/compare/coalition-vs-simply-business)
- [Corgi vs Mylo](https://spot.insure/compare/corgi-vs-mylo)
- [Corgi vs Simply Business](https://spot.insure/compare/corgi-vs-simply-business)
- [Coterie Insurance vs Mylo](https://spot.insure/compare/coterie-vs-mylo)
- [Coterie Insurance vs Simply Business](https://spot.insure/compare/coterie-vs-simply-business)
- [Counterpart vs Mylo](https://spot.insure/compare/counterpart-vs-mylo)
- [Counterpart vs Simply Business](https://spot.insure/compare/counterpart-vs-simply-business)
- [Coverdash vs Mylo](https://spot.insure/compare/coverdash-vs-mylo)
- [Coverdash vs Simply Business](https://spot.insure/compare/coverdash-vs-simply-business)
- [Cowbell vs Mylo](https://spot.insure/compare/cowbell-vs-mylo)
- [Cowbell vs Simply Business](https://spot.insure/compare/cowbell-vs-simply-business)
- [Embroker vs Mylo](https://spot.insure/compare/embroker-vs-mylo)
- [Embroker vs Simply Business](https://spot.insure/compare/embroker-vs-simply-business)

## Sources

### [Mylo Official Website](https://choosemylo.com/)

1. [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.
2. [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.
3. [Terms Of Use](https://choosemylo.com/terms-of-use). Mylo; Effective February 21, 2017; last updated May 27, 2026; introduction identifying Mylo, LLC; §1.2 additional transaction terms; §§6.1–6.5 policy and service information, application accuracy and issuance limitations; §9.1.1 AI-generated estimates in AI Platform conversations and carrier determination after complete application on Mylo’s website; trade-name footer. Accessed 2026-09-29.
4. [Contact Your Carrier](https://choosemylo.com/contact-your-carrier). Mylo; Carrier contact instructions; business-insurance support and claims entries; Mylo Service Professional fallback. Accessed 2026-09-15.
5. [Business Owner’s Policy](https://choosemylo.com/business/product-business-owners-policy). Mylo; Business Owners Policy product opening; Get My Quote; How will Mylo find me the right policy?; related business-product navigation. Accessed 2026-09-16.
6. [Commercial Auto Insurance](https://choosemylo.com/business/product-commercial-auto). Mylo; Commercial Auto Savings For A Business On The Move; What Commercial Auto Insurance Do I Need; How will Mylo find me the right policy?; quote invitation; FAQs. Accessed 2026-09-16.
7. [Commercial General Liability Insurance](https://choosemylo.com/business/product-commercial-general-liability). Mylo; Why general liability?; How will Mylo find me the right general liability?; quote comparisons and BOP packaging; related business-product navigation. Accessed 2026-09-16.
8. [Cyber Insurance](https://choosemylo.com/business/product-cyber). Mylo; Think You Don’t Need Cyber Insurance; quote invitation; comparison of business-insurance companies; related business-product navigation. Accessed 2026-09-16.
9. [Medical Malpractice Insurance](https://choosemylo.com/medical-malpractice). Mylo; Medical Malpractice Insurance Is Professional Liability; What Types Of Coverage Are Available; cyber section; FAQs; Protect your healthy reputation; quote-comparison and customization paragraphs. Accessed 2026-09-16.
10. [Professional Liability Insurance](https://choosemylo.com/business/product-professional-liability). Mylo; Professional Liability? But I Do Good Work (claims from clients unhappy with your work); Start My Quote; Mylo compares quotes from top-rated business insurance companies; related business-product navigation. Accessed 2026-09-16.
11. [Surety Bonds](https://choosemylo.com/business/product-surety-bonds). Mylo; Surety Bonds Show You Mean Business (license and permit obligations; Mylo compares quotes from top surety bond providers); How Does A Surety Bond Work (three-way agreement); quote calls to action; FAQs. Accessed 2026-09-16.
12. [Commercial Umbrella Insurance](https://choosemylo.com/business/product-umbrella). Mylo; Commercial umbrella product page: add-on above general liability, commercial auto and workers’ comp limits; related business-product navigation. Accessed 2026-09-16.
13. [Workers’ Compensation Insurance](https://choosemylo.com/business/product-workers-comp). Mylo; Workers’ Comp? What’s In It For Me; Mylo compares quotes from insurers; Get My Quote; state-fund states referral; related business-product navigation. Accessed 2026-09-16.
14. [Small Group Benefits](https://choosemylo.com/groupbenefits). Mylo; Hero for employers with 2–99 employees; health, dental and vision benefit categories; enrollment, HR portal and licensed benefits advisor; Get My Quote. Accessed 2026-09-16.
15. [Partner With Mylo](https://choosemylo.com/partner-with-us). Mylo; Insurance-agency and other-industry paths; embedded offering categories; carrier statement; demo request. Accessed 2026-09-15.
16. [Insurtech Mylo Teams With Gainbridge To Introduce Gainbridge Protect](https://www.group1001.com/news/insurtech-mylo-teams-with-gainbridge-to-introduce-gainbridge-protect). Group 1001; 26 September 2023 announcement; Amplifi description; statement that Mylo and Gainbridge are backed by Group 1001; About Mylo and About Group 1001. Accessed 2026-09-15.
17. [Mylo Is No Longer Part Of Lockton](https://www.bizjournals.com/kansascity/news/2023/05/23/mylo-new-owners-group-1001-guggenheim-lockton.html). Kansas City Business Journal; Headline and article preview; 23 May 2023; prior minority investor described as new majority investor. Accessed 2026-09-15.
18. [Mylo, LLC Entity Record](https://search.sunbiz.org/Inquiry/CorporationSearch/SearchResults?Detail=FL.DOS.Corporations.Shared.Contracts.FilingRecord&InquiryDirectionType=ForwardRecord&InquiryType=EntityName&ListNameOrder=MYLLISEXPRESS+P160000457340&SearchNameOrder=MYLO+F482990&SearchTerm=MYLKATZ+INC.). Florida Department of State, Division of Corporations; Document M17000007667; foreign Missouri LLC; active; 2026 annual report filed 30 April 2026. Accessed 2026-09-15.
19. [Licensed Property And Casualty Agencies](https://www.mass.gov/doc/licensed-p-and-c-agenciespdf/download). Massachusetts Division of Insurance; Page 114; Mylo, LLC; NPN 18590034; original approval 29 November 2017; renewal 29 November 2026. Accessed 2026-09-15.
20. [Licensed Surplus Lines Broker Agencies](https://www.mass.gov/doc/licensed-surplus-lines-brokers-agenciespdf-0/download). Massachusetts Division of Insurance; Mylo, LLC; NPN 18590034; original approval 20 December 2017; renewal 20 December 2026. Accessed 2026-09-15.

### [Simply Business Official Website](https://www.simplybusiness.com/)

21. [Our Small Business Insurance Story](https://www.simplybusiness.com/about-us/). Simply Business; Opening description and audience; digital marketplace, business types and U.S. service. Accessed 2026-09-29.
22. [Terms of Service](https://www.simplybusiness.com/terms-conditions/). Simply Business; Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211. Accessed 2026-09-29.
23. [Contact Us](https://www.simplybusiness.com/contact-us/). Simply Business; Opening contact details lines 20–31; licensed-agent phone hours lines 46–59; U.S. licensing and state-specific name disclosures in footer lines 108–111, including California License #0M20593. Accessed 2026-09-29.
24. [Help Center](https://www.simplybusiness.com/help-center/). Simply Business; Claims, account servicing, agent-routed changes, renewal FAQ and Common Topics. Accessed 2026-09-29.
25. [How Simply Business Works](https://www.simplybusiness.com/about-us/how-simply-business-works/). Simply Business; Common types lines 92–160; quote/purchase flow; estimate-method footnotes lines 198–200. Accessed 2026-09-29.
26. [Business Insurance for Small Businesses](https://www.simplybusiness.com/business-insurance/). Simply Business; Small Business Insurance Coverage Options and policy links. Accessed 2026-09-29.
27. [General Liability Insurance for a Small Business](https://www.simplybusiness.com/business-insurance/general-liability-insurance/). Simply Business; Coverage lines 51–75; audience lines 61–65, 153–155; application and examples elsewhere on page. Accessed 2026-09-29.
28. [Workers’ Compensation Insurance for Small Business](https://www.simplybusiness.com/business-insurance/workers-compensation-insurance/). Simply Business; Coverage and benefits lines 45–69; state/buyer qualifications lines 178–189. Accessed 2026-09-29.
29. [Professional Liability Insurance Coverage](https://www.simplybusiness.com/business-insurance/professional-liability-insurance/). Simply Business; Coverage lines 45–100; buyer examples lines 101–158; online quote steps lines 237–260. Accessed 2026-09-29.
30. [Business Owner’s Policy Insurance](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/). Simply Business; Bundle lines 34–38, 218–243; add-on/exclusion discussion lines 226–243; buyer and quote sections. Accessed 2026-09-29.
31. [Commercial Property Insurance](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/commercial-property-insurance/). Simply Business; Lines 15–18 present physical-location cover as part of a BOP; lines 34–49 describe the package; lines 59–63 say it is offered as part of the BOP rather than as a standalone policy and link to a BOP quote. Accessed 2026-09-29.
32. [Inland Marine Insurance](https://www.simplybusiness.com/business-insurance/inland-marine-insurance/). Simply Business; Equipment/inventory lines 15–18, 59–63; examples and quote workflow lines 97–140, 168–191. Accessed 2026-09-29.
33. [Cyber Insurance](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/). Simply Business; Claim types lines 88–105; select-buyer add-on/phone quote lines 171–175; route and last-updated lines 389–395. Accessed 2026-09-29.
34. [Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). Travelers; Ownership interest in a producer, lines 57–60: Travelers says it owns Simply Business, Inc.; relation to Simply Business, LLC not stated. Accessed 2026-09-29.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/mylo-vs-simply-business.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)