Mylo vs TechInsurance Commercial Auto Insurance

Mylo shops carriers and stresses non-owned auto on personal cars; TechInsurance says those vehicles sit outside commercial auto and publishes a $245 median.

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. 1,2

Read the Mylo profile

What Is TechInsurance?

TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. 4,5

Read the TechInsurance profile

What Is Commercial Auto Insurance?

Commercial auto insurance addresses liability and vehicle-damage exposures from vehicles used in business. 7

Read the full coverage guide

Key Differences in Commercial Auto Insurance

Two Brokers, Two Stories About Personal Cars

Mylo and TechInsurance both arrange commercial auto rather than issue it. Mylo recommends non-owned auto when employees drive personal vehicles for work, including liability on a work detour. TechInsurance says commercial auto does not cover personal, leased or rented work vehicles and that those uses need hired and non-owned auto insurance, plus exclusions for unscheduled new vehicles and garage keepers. Both point at hired/non-owned auto; Mylo frames it as an option on the policy conversation, TechInsurance as a gap in commercial auto itself. 3 6

Shopping and Bundling Versus a Median Premium

Mylo says it compares quotes from multiple carriers and may bundle personal car or home insurance. TechInsurance reports a company-reported median of $245 a month and does not describe personal-lines bundling or a comparison-shopping process on the reviewed page. Mylo publishes no premium figure. 3 6

State-Requirement Wording

Mylo says all states require commercial auto liability for owned or leased job vehicles. TechInsurance says all states except New Hampshire require it for vehicles registered to a business. Those sentences disagree on New Hampshire; confirm the rule for your state rather than relying on either page. 3 6

What to Confirm in Commercial Auto Insurance Quotes

  • Ask both whether hired and non-owned auto is included, endorsed or a separate policy. 3 6
  • Treat $245 as TechInsurance’s book median; ask Mylo for comparable premiums from the markets it shops. 6 3
  • If Mylo proposes a personal auto or home bundle, compare that with TechInsurance’s commercial-only placement. 3
  • Get the issuing insurer from each quote. 3 6

Offering Details

Mylo vs TechInsurance Commercial Auto Insurance: documented features by provider

CriteriaMylo Commercial Auto InsuranceTechInsurance Commercial Auto Insurance
Role in This Line

Mylo brokers commercial auto insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. 3Company-reported. Commercial auto product page.

TechInsurance arranges commercial auto insurance for businesses that own vehicles, and says almost every state requires it for business-registered vehicles. 6Company-reported. Commercial auto product page.

Issuing Insurer

The commercial auto product page does not name the insurer that would issue a given business's policy. 3Not publicly disclosed. Checked the commercial auto product page on 2026-09-23.

The reviewed page does not name the issuing insurer for a commercial auto policy. 6Not publicly disclosed. Commercial auto product page as read on 2026-09-23.

Who It’s For

Mylo says all states require commercial auto liability coverage for any business that owns or leases vehicles used on the job. 3Company-reported. Commercial auto product page.

TechInsurance says all states except New Hampshire require commercial auto insurance for vehicles registered to a business, with most states also setting minimum liability, and in some cases uninsured/underinsured motorist, coverage amounts. 6Company-reported. Commercial auto product page, Are you required by law to purchase commercial auto insurance? section.

Coverage Features

Mylo describes a commercial auto policy as potentially including mandatory bodily-injury and property-damage liability, plus optional collision, comprehensive and non-owned-auto coverage depending on the business and its vehicles. 3Company-reported. Commercial auto product page coverage list; the issued policy and its exclusions control.

Mylo recommends non-owned auto coverage for businesses whose employees drive personal vehicles for work, warning that a business can be held liable for an accident even during what a court calls a work "detour," such as a personal errand combined with a work task. 3Company-reported. Commercial auto product page FAQ; a general explanation, not a specific policy's terms.

TechInsurance says commercial auto insurance covers bodily injury and property damage liability, medical payments (MedPay) or personal injury protection (PIP) where required, uninsured-motorist coverage, and optional collision and comprehensive coverage for physical damage to the company's own vehicles. 6Company-reported. Commercial auto product page; general policy description, not a specific policy form.

TechInsurance says commercial auto insurance does not cover personal, leased or rented vehicles used for work (which need hired and non-owned auto insurance), a newly purchased vehicle not yet added to the policy, or damage to a customer's vehicle in the business's care (which needs garage keepers insurance). 6Company-reported. Commercial auto product page, What isn't covered section.

Limits and Retentions

The commercial auto product page does not publish specific liability limits, deductibles or premium ranges. 3Not publicly disclosed. Checked the commercial auto product page on 2026-09-23.

TechInsurance says its commercial auto customers pay a median of $245 per month, with the exact premium depending on number and type of vehicles, employee driving records and demographics, coverage options selected, claims history, and policy deductible and limits. 6Company-reported. Commercial auto product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

How to Apply

Mylo says it recommends coverage customized to the business, compares quotes for commercial auto from top-rated carriers, and finds a combination of coverage and price; it also offers bundling with personal car or home insurance for additional savings. 3Company-reported. Commercial auto product page "How will Mylo find me the right policy?" section.

Not described in the reviewed sources.

Full Comparison

More Mylo vs TechInsurance Comparisons

Other Commercial Auto Insurance Comparisons

Sources

Mylo

  1. 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.
  2. About Mylo. Mylo; Your Digital One-Stop Shop; The Broker Advantage; Proven Heritage, Powerful Future; About Mylo FAQs. Accessed 2026-09-15.
  3. Commercial Auto. Mylo; Commercial auto savings for a business on the move; What commercial auto insurance do I need?; Commercial auto insurance FAQs (non-owned auto, liability vs. collision vs. comprehensive); How will Mylo find me the right policy? Accessed 2026-09-23.

TechInsurance

  1. About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
  2. Contact Us. TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
  3. Commercial Auto Insurance Coverage for a Small Business. TechInsurance; What does commercial auto liability insurance cover? (bodily injury/property damage liability, medical payments/PIP, uninsured motorists, collision/comprehensive); How much does commercial auto insurance cost?; Are you required by law to purchase commercial auto insurance?; Who does a commercial auto policy insure? Accessed 2026-09-23.

Commercial Auto Insurance Guide

  1. Commercial Insurance Guide. California Department of Insurance; Commercial Automobile: Coverage, Classification and Limits. Accessed 2026-09-16.

Updated . 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. To suggest a correction, contact Spot with the page URL and supporting source.

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