--- title: "Mylo vs The Hartford" description: "How Mylo’s independent brokerage, which names The Hartford as one example market, differs from buying Hartford paper direct." canonical: "https://spot.insure/compare/mylo-vs-the-hartford" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Mylo", "The Hartford"] --- [Human-readable page](https://spot.insure/compare/mylo-vs-the-hartford) # Mylo vs The Hartford How Mylo’s independent brokerage, which names The Hartford as one example market, differs from buying Hartford paper direct. ## Research Scope and Use Use this comparison to evaluate Mylo and The Hartford against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights Mylo is an independent small-business broker that compares quotes from more than 40 carrier partners and lists The Hartford among examples. The Hartford is the insurer group behind that brand and also sells eligible policies online without using Mylo. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [2](https://choosemylo.com/our-story "About Mylo") [24](https://www.thehartford.com/legal-notice "Legal Notice") [22](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") ## Introduction If Mylo’s site lists Travelers, Liberty Mutual, The Hartford and Hiscox, the practical question is whether you want Mylo to shop that panel or you want to bind a Hartford policy yourself. Historic Lockton incubation does not make Mylo a Lockton company; Group 1001 is the later backer Mylo describes. [16](https://www.group1001.com/news/insurtech-mylo-teams-with-gainbridge-to-introduce-gainbridge-protect "Insurtech Mylo Teams With Gainbridge To Introduce Gainbridge Protect") [22](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") ## Documented Provider Strengths ### Mylo - Buyers can shop online or with a licensed advisor; Mylo says it compares available quotes, with an agent finalizing most policies. [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.) - Employers with 2–99 employees can explore group benefits with a licensed advisor and a year-round HR portal. [14](https://choosemylo.com/groupbenefits "Small Group Benefits") (Evidence: Company-reported; scope: Mylo’s small-group benefits service. Plan availability, employer contribution rules, networks and state requirements remain plan-specific.; verified: 2026-09-15.) ### The Hartford - The Hartford designs small-business packages for SaaS and other software companies, typically starting from a business owner’s policy. [21](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [22](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [44](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [43](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") (Evidence: Company-reported; scope: Company marketing pages reviewed 16 September 2026. Marketing a SaaS page is not a finding that every software company is eligible.; verified: 2026-09-16.) - Small-business buyers can start an online quote-and-buy flow or call, or use an independent Hartford agent; commercial auto is not sold on that self-serve path. [22](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [21](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [28](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [27](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [37](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [39](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Public quote portal viewed without submitting an application on 16 September 2026. Quote speed and binding are not independently verified and are not the same as coverage in force.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | Mylo | The Hartford | | --- | --- | --- | | Business owner’s policy | Listed [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [5](https://choosemylo.com/business/product-business-owners-policy "Business Owner’s Policy") | Listed [29](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") [21](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Commercial auto | Listed [6](https://choosemylo.com/business/product-commercial-auto "Commercial Auto Insurance") | Listed [37](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [21](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Commercial property | Not listed | Listed [31](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") [21](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Crime | Not listed | Listed [39](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | Cyber liability | Listed [8](https://choosemylo.com/business/product-cyber "Cyber Insurance") | Listed [33](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [21](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Directors and officers | Not listed | Listed [39](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [40](https://www.thehartford.com/commercial-insurance-agents/resources-directors-officers "Directors and Officers Liability Insurance") | | Employee health and benefits | Listed [14](https://choosemylo.com/groupbenefits "Small Group Benefits") | Listed [44](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") | | Employment practices liability | Not listed | Listed [36](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [21](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Fiduciary liability | Not listed | Listed [39](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | General liability | Listed [7](https://choosemylo.com/business/product-commercial-general-liability "Commercial General Liability Insurance") | Listed [30](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") [21](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Hired and non-owned auto | Not listed | Listed [38](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [37](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") | | Kidnap and ransom | Not listed | Listed [39](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | Management liability | Not listed | Listed [39](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | Medical malpractice | Listed [9](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") | Not listed | | Professional liability / E&O | Listed [10](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") | Listed [35](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") | | Surety bonds | Listed [11](https://choosemylo.com/business/product-surety-bonds "Surety Bonds") | Not listed | | Technology errors and omissions | Not listed | Listed [34](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [33](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") | | Tools, equipment and inland marine | Not listed | Listed [43](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") | | Umbrella and excess liability | Listed [12](https://choosemylo.com/business/product-umbrella "Commercial Umbrella Insurance") | Listed [41](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [42](https://www.thehartford.com/business-insurance/what-does-business-insurance-cover "Business Insurance Coverage") | | Workers’ compensation | Listed [13](https://choosemylo.com/business/product-workers-comp "Workers’ Compensation Insurance") | Listed [32](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [21](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## 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://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between Mylo and the Hartford ### Independent Broker Versus Named Market Mylo, LLC is the agency (with trade names in some states). It recommends coverage and compares quotes; it does not issue policies. An agent still finalizes most purchases. Embedded partners may insert another producer identity. [2](https://choosemylo.com/our-story "About Mylo") [3](https://choosemylo.com/terms-of-use "Terms Of Use") Hartford subsidiaries issue the policy when a Hartford company is selected. Going direct skips Mylo’s comparison layer. It also means you are not using Mylo to compare other partners it may offer on a given account. [24](https://www.thehartford.com/legal-notice "Legal Notice") ### Overlapping Labels, Different Issuers Mylo’s commercial catalogue includes a business owner’s policy, commercial auto, general liability, cyber, medical malpractice, professional liability, surety, umbrella and workers’ compensation, plus group benefits for 2–99 employees. Hartford also sells a business owner’s policy, workers’ compensation, cyber, professional and technology errors and omissions, management liability and employee benefits. Medical malpractice is listed on Mylo’s commercial menu; Hartford’s software-as-a-service industry page does not list it, which is not proof Hartford never writes medical malpractice through other channels. Commercial auto is on Mylo’s commercial pages; Hartford does not sell it on the small-business self-serve path. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [44](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [37](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") ### Compensation Copy Mylo says guided shopping is free and that 95% of customers do not pay Mylo a fee, with commissions otherwise and a fee in fewer than 5% of transactions when it handles billing. Hartford pays producers. If Mylo places Hartford, both stories can be true at once. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [45](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") Mylo directs many service and claims contacts to the carrier. Hartford publishes its own claim numbers. Use the policy’s instructions. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [47](https://www.thehartford.com/general-liability-insurance/claims "General Liability Claims | File A Claim") ## What to Confirm in Quotes - **Whether the Mylo proposal is actually Hartford paper** or another example-logo carrier. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") - **Producer of record** if you already started a Hartford online quote. [27](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") - **Benefits versus P&C:** Mylo’s 2–99 group-benefits path versus Hartford Life and Accident on employee-benefits pages. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [44](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") ## Service Comparison Mylo vs The Hartford: documented services and availability. | Criteria | Mylo | The Hartford | | --- | --- | --- | | 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.)

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.)

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.)

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.) | The Hartford is the brand of The Hartford Insurance Group, Inc., a financial holding company whose subsidiaries underwrite property-and-casualty insurance, employee benefits and other financial products. Independent agents and brokers, and Hartford employees who sell insurance, distribute those products. The brand is not itself the insurer on a policy. [24](https://www.thehartford.com/legal-notice "Legal Notice") [45](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") [41](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [27](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") (Evidence: Company-reported; scope: Group legal-notice and producer-compensation disclosures as of 16 September 2026. The issuing company and any producer of record still have to be read from a quote or policy.; verified: 2026-09-16.) | | Access to insurers | Mylo says its commercial brokerage works with more than 40 carrier partners and names Travelers, Liberty Mutual, The Hartford and Hiscox as examples. That panel does not establish which insurers will consider or quote a particular business. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [4](https://choosemylo.com/contact-your-carrier "Contact Your Carrier") (Evidence: Company-reported; scope: Company-described commercial carrier panel. No account-specific market submission or insurer response was reviewed.; verified: 2026-09-15.)

Mylo’s public pages do not provide a complete product-and-state schedule of issuing insurers. The carrier contact directory names companies used for some customers, but the legal insurer for each proposed policy must be confirmed in the quote and policy documents. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [4](https://choosemylo.com/contact-your-carrier "Contact Your Carrier") [3](https://choosemylo.com/terms-of-use "Terms Of Use") (Evidence: Not found in reviewed sources; scope: Commercial products and carrier materials publicly reviewed on 15 September 2026. A missing public schedule does not mean a carrier relationship is unavailable.; verified: 2026-09-15.) | Coverages described on Hartford sites may be offered by one or more property-and-casualty subsidiaries listed in the Legal Notice. Hartford Fire Insurance Company (NAIC 19682) is authorized in all U.S. states and the District of Columbia according to that notice, and California CDI independently confirms its California authorization. Employee-benefits pages also name Hartford Life and Accident Insurance Company. The reviewed sources do not identify the writing company that would appear on a specific SaaS, BOP or technology E&O policy. [24](https://www.thehartford.com/legal-notice "Legal Notice") [41](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [30](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") [44](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [48](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile "Hartford Fire Insurance Company") (Evidence: Company-reported; scope: Legal notice writing-company table as of 31 December 2025, rechecked 16 September 2026, plus CDI verification for Hartford Fire only. Other affiliates were not each re-checked at a state regulator.; verified: 2026-09-16.) | | Coverage lines | 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.)

Mylo describes a business owner’s policy as combining general liability, commercial property and business-interruption coverage. The actual causes of loss, property, locations, limits and interruption period depend on the offered policy. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [5](https://choosemylo.com/business/product-business-owners-policy "Business Owner’s Policy") (Evidence: Company-reported; scope: Mylo’s general BOP description, not a specimen policy or statement that every applicant receives all described terms.; verified: 2026-09-15.)

Mylo’s commercial-auto page describes bodily-injury and property-damage liability, with collision, comprehensive and non-owned-auto coverage as possible components depending on the business and vehicles. [6](https://choosemylo.com/business/product-commercial-auto "Commercial Auto Insurance") (Evidence: Company-reported; scope: General product description. It does not establish state eligibility, required limits or the options included in a buyer’s quote.; verified: 2026-09-15.)

For medical professionals, Mylo markets claims-made and occurrence malpractice policies and says tail coverage can extend reporting under a claims-made policy. Its page treats cyber liability as separate coverage to add rather than a protection supplied by malpractice insurance alone. [9](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: Company-described medical-malpractice and cyber options. The page is not policy wording and does not identify the available insurer, state, specialty or tail period.; verified: 2026-09-15.)

Mylo markets small-group benefits to employers with 2–99 employees, including health, dental, vision, life, disability, accident and critical-illness options. It describes online or phone enrollment, a year-round HR portal and help from a licensed benefits advisor. [14](https://choosemylo.com/groupbenefits "Small Group Benefits") (Evidence: Company-reported; scope: Mylo’s small-group benefits service. Plan availability, employer contribution rules, networks and state requirements remain plan-specific.; verified: 2026-09-15.)

The reviewed public product pages do not provide current specimen policies, endorsements or a complete schedule of limits, deductibles, exclusions and state variations. Those terms must be checked in the actual quote and policy forms. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [9](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") [3](https://choosemylo.com/terms-of-use "Terms Of Use") (Evidence: Not found in reviewed sources; scope: Public commercial product and legal pages reviewed on 15 September 2026. Not finding public forms does not mean Mylo cannot provide them during a transaction.; verified: 2026-09-15.) | Documented Hartford offerings for businesses include a business owner’s policy (general liability, commercial property and business income), stand-alone general liability and commercial property, workers’ compensation, cyber (including BOP data-breach add-ons, CyberChoice First Response and FailSafe Technology E&O), miscellaneous professional liability, employment practices liability, commercial auto and hired/non-owned auto, management-liability packages (Private Choice Premier: directors and officers, EPL, fiduciary, crime, kidnap and ransom), commercial umbrella, employee benefits, and inland marine for midsize and large accounts. Actual forms, limits and availability vary by product, state and underwriting. [21](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [29](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") [33](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [34](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [35](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [36](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [37](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [38](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [39](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [41](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [44](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [43](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") (Evidence: Company-reported; scope: Product and service pages reviewed 16 September 2026. Educational FAQs were not used as the sole proof of an offering. Marketing lists are not specimen policy wording.; verified: 2026-09-16.)

The Hartford’s employment-practices page states there is no built-in EPL coverage in California, Minnesota, North Dakota or New York, and that the EPL program described on that page does not apply to EPL coverage written in California. Coverages also vary by state and class. [36](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") (Evidence: Company-reported; scope: Company footnotes on the EPLI page, last updated 26 November 2025, rechecked 16 September 2026. This does not establish whether a California buyer can buy stand-alone or differently structured EPL.; verified: 2026-09-16.) | | 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.)

Mylo’s Terms of Use say a purchase may carry additional transaction terms, require accurate and complete application answers and is not guaranteed to result in an issued policy. The posted site terms were last updated in November 2018, so buyers should review the current terms presented with a quote. [3](https://choosemylo.com/terms-of-use "Terms Of Use") (Evidence: Company-reported; scope: Website terms, not the full contract for any insurance transaction or insurer policy.; verified: 2026-09-15.) | The Hartford says eligible small-business buyers can get a free quote online in minutes or by phone, and can also buy through independent agents. Its public quote-and-buy portal shows steps from Basics through Payment and Confirmation. It also says buyers can purchase without an agent. Commercial auto for small businesses is not currently offered on that online path and may be quoted through a local agency or Tivly. Management-liability pages direct buyers to find a local agent. [22](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [21](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [28](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [27](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [37](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [39](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Public quote portal viewed without submitting an application on 16 September 2026. Quote speed and binding are not independently verified and are not the same as coverage in force.; verified: 2026-09-16.) | | 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 Hartford discloses that it pays independent producers base commissions (a percentage of premium or a fixed amount per policy), and may also pay contingent or supplemental commissions, fees for services, delegated-underwriting compensation and other benefits. Employees who sell insurance may receive extra compensation beyond salary. Producers may charge their own customer fees that are not Hartford premium. The reviewed pages do not publish the commission rate or any Hartford-charged service fee that would apply to a particular buyer’s policy. Published “average premiums” are company-reported estimates, not quotes. [45](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") [27](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [22](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [21](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") (Evidence: Company-reported; scope: Producer compensation disclosure and product-page premium footnotes as of 16 September 2026. Missing a fee schedule is not a finding of zero buyer cost beyond premium.; verified: 2026-09-16.) | ## Related Reading - [What Is Mylo Insurance?](https://spot.insure/insurance-providers/mylo) - [What Is The Hartford?](https://spot.insure/insurance-providers/the-hartford) ## Related Comparisons - [Alliance Risk vs Mylo](https://spot.insure/compare/alliance-risk-vs-mylo) - [Alliance Risk vs The Hartford](https://spot.insure/compare/alliance-risk-vs-the-hartford) - [Amelia Risk vs Mylo](https://spot.insure/compare/amelia-risk-vs-mylo) - [Amelia Risk vs The Hartford](https://spot.insure/compare/amelia-risk-vs-the-hartford) - [Armilla vs Mylo](https://spot.insure/compare/armilla-vs-mylo) - [Armilla vs The Hartford](https://spot.insure/compare/armilla-vs-the-hartford) - [At-Bay vs Mylo Insurance](https://spot.insure/compare/at-bay-vs-mylo) - [At-Bay vs The Hartford](https://spot.insure/compare/at-bay-vs-the-hartford) - [Beazley vs Mylo](https://spot.insure/compare/beazley-vs-mylo) - [Beazley vs The Hartford](https://spot.insure/compare/beazley-vs-the-hartford) - 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[StartupInsurance.ai vs The Hartford](https://spot.insure/compare/startupinsurance-vs-the-hartford) - [TechInsurance vs The Hartford](https://spot.insure/compare/techinsurance-vs-the-hartford) - [The Hartford vs Travelers Insurance](https://spot.insure/compare/the-hartford-vs-travelers) - [The Hartford vs USI](https://spot.insure/compare/the-hartford-vs-usi) - [The Hartford vs Vouch](https://spot.insure/compare/the-hartford-vs-vouch) - [The Hartford vs WithCoverage](https://spot.insure/compare/the-hartford-vs-withcoverage) ## 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 Insurance FAQs; current commercial-product navigation; footer legal disclosure. Accessed 2026-09-15. 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 21 February 2017; updated 19 November 2018; introduction; §§1.2 and 6.1–6.5. Accessed 2026-09-15. 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; Current product page and Get My Quote call to action; related business-product navigation. Accessed 2026-09-15. 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; FAQs. Accessed 2026-09-15. 7. [Commercial General Liability Insurance](https://choosemylo.com/business/product-commercial-general-liability). Mylo; Current commercial product page and related business-product navigation. Accessed 2026-09-15. 8. [Cyber Insurance](https://choosemylo.com/business/product-cyber). Mylo; Current commercial product page; Think You Don’t Need Cyber Insurance; related business-product navigation. Accessed 2026-09-15. 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. Accessed 2026-09-15. 10. [Professional Liability Insurance](https://choosemylo.com/business/product-professional-liability). Mylo; Current commercial product page; Professional Liability? But I Do Good Work; related business-product navigation. Accessed 2026-09-15. 11. [Surety Bonds](https://choosemylo.com/business/product-surety-bonds). Mylo; Surety Bonds Show You Mean Business; How Does A Surety Bond Work; quote calls to action; FAQs. Accessed 2026-09-15. 12. [Commercial Umbrella Insurance](https://choosemylo.com/business/product-umbrella). Mylo; Current commercial product page and related business-product navigation. Accessed 2026-09-15. 13. [Workers’ Compensation Insurance](https://choosemylo.com/business/product-workers-comp). Mylo; Current commercial product page; Workers’ Comp? What’s In It For Me; related business-product navigation. Accessed 2026-09-15. 14. [Small Group Benefits](https://choosemylo.com/groupbenefits). Mylo; Hero for employers with 2–99 employees; benefit categories; enrollment, HR portal and licensed-advisor service. Accessed 2026-09-15. 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. Corporate registration, not an insurance license. 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. Official PDF was available in search indexing; direct download returned an access block from this workspace. 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. Official PDF was available in search indexing; direct download returned an access block from this workspace. Accessed 2026-09-15. ### [The Hartford Official Website](https://www.thehartford.com) 21. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); BOP contents; add-ons (workers’ compensation, data breach, commercial auto); cyber, EPLI, technology professional liability mentions; online quote claim; company-reported industry-average premiums footnote. Accessed 2026-09-16. 22. [Small Business Insurance | Get a Quote](https://www.thehartford.com/business-insurance). The Hartford; Small-business positioning; BOP package; product list including professional liability, cyber, EPLI, commercial auto; quote in minutes and COI 24/7; phone 855-487-0783; availability footnote that products are not available in all states or for all businesses. Accessed 2026-09-16. 23. [California Business Insurance](https://www.thehartford.com/business-insurance/california). The Hartford; Coverages marketed for California (BOP, general liability, workers’ compensation, commercial auto, commercial property, professional liability); statement that California buyers can get a quote online or by phone; company-reported California customer averages. Accessed 2026-09-16. 24. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16. 25. [The Hartford Announces First Quarter 2025 Financial Results](https://ir.thehartford.com/news/news-details/2025/The-Hartford-Announces-First-Quarter-2025-Financial-Results/default.aspx). The Hartford; Boilerplate: The Hartford Insurance Group, Inc. (formerly Hartford Financial Services Group, Inc.), NYSE: HIG, operates through subsidiaries under the brand The Hartford, headquartered in Hartford, Connecticut. Accessed 2026-09-16. 26. [About Us](https://www.thehartford.com/about-us). The Hartford; Property and casualty insurance, group benefits and mutual funds positioning; more than 200 years of operation. Accessed 2026-09-16. 27. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16. 28. [Small Business Insurance Quote](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp). The Hartford; Public first screen: business-status and structure questions; steps labeled Basics, Coverages, Details, Price, Review, Payment and Confirmation; help phone 1-855-431-1252 (M–F 8am–8pm ET). Viewed without submitting an application. Accessed 2026-09-16. 29. [Business Owner’s Policy (BOP) Insurance](https://www.thehartford.com/business-owners-policy). The Hartford; BOP contents (property, general liability, business income); optional add-ons including workers’ compensation, professional liability, commercial auto and cyber; last updated May 20, 2026; products-not-available-in-all-states footnote. Accessed 2026-09-16. 30. [General Liability Insurance](https://www.thehartford.com/general-liability-insurance). The Hartford; Stand-alone GL and BOP bundling; products-completed operations; technology-company example; last updated May 20, 2026; subsidiary-offering disclosure referencing the Legal Notice. Accessed 2026-09-16. 31. [Commercial Property Insurance](https://www.thehartford.com/commercial-property-insurance). The Hartford; Property and business-interruption descriptions; technology firms listed among common buyers; COI online; claims phone 800-327-3638; last updated August 13, 2025. Accessed 2026-09-16. 32. [Workers' Compensation Insurance Plans](https://www.thehartford.com/workers-compensation). The Hartford; State-requirement quiz noting some states require purchase from a state-run program rather than a private insurer; pay-as-you-go billing; My Workers’ Comp Connection portal; provider-network and pharmacy statements. Accessed 2026-09-16. 33. [Cyber Insurance for Small Businesses](https://www.thehartford.com/cyber-insurance). The Hartford; BOP-endorsed cyber versus CyberChoice First Response versus FailSafe Technology E&O; Cyber Center; FirstResponse hotline 800-370-0605; last updated March 10, 2026. Accessed 2026-09-16. 34. [Technology Errors and Omissions Insurance | Technology E&O](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; FailSafe Technology Liability Product Suite features including E&O, security, data privacy/network security, personal injury, intellectual property and media liability; software and SaaS-relevant buyer classes; last updated September 19, 2024. Accessed 2026-09-16. 35. [Professional Liability Insurance Coverage](https://www.thehartford.com/professional-liability-insurance). The Hartford; Miscellaneous professional liability and a listed Errors & Omissions Insurance for Technology Companies product; claims-made versus occurrence discussion; My Account COI requests; last updated May 4, 2026. Accessed 2026-09-16. 36. [Employment Practices Liability Insurance | EPL Insurance](https://www.thehartford.com/employment-practices-insurance). The Hartford; Hartford-provided EPLI; BOP inclusion claim; Private Choice Premier and Employers Premier Choice; footnotes that built-in EPL coverage is not available in California, Minnesota, North Dakota or New York and that the described EPL program does not apply to EPL written in California; last updated November 26, 2025. Accessed 2026-09-16. 37. [Commercial Auto Insurance Coverage](https://www.thehartford.com/commercial-auto-insurance). The Hartford; Statement that The Hartford does not currently offer this coverage online for small businesses and may route quotes through a local agency or Tivly; hired and non-owned auto description; last updated August 27, 2026. Accessed 2026-09-16. 38. [Hired and Non-Owned Vehicle Insurance | HNOA](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto). The Hartford; Hartford offering of hired and non-owned auto; liability-only limitations; last updated August 27, 2026. Accessed 2026-09-16. 39. [Management Liability Insurance | Get a Quote](https://www.thehartford.com/management-liability-insurance). The Hartford; Private Choice Premier package (D&O, EPL, fiduciary, crime, kidnap and ransom/extortion); option to add certain coverages to a BOP; instruction to find a local agent. Accessed 2026-09-16. 40. [Directors and Officers Liability Insurance](https://www.thehartford.com/commercial-insurance-agents/resources-directors-officers). The Hartford; Agent-facing D&O solutions for public companies, financial institutions, and private or nonprofit organizations via Private Choice Premier. Accessed 2026-09-16. 41. [Commercial Insurance](https://www.thehartford.com/commercial-insurance). The Hartford; Insurer self-description; optional commercial umbrella; about-10-minute quote claim; products not available in all states; coverages may be offered by one or more P&C subsidiaries listed in the Legal Notice. Accessed 2026-09-16. 42. [Business Insurance Coverage](https://www.thehartford.com/business-insurance/what-does-business-insurance-cover). The Hartford; Commercial umbrella, EPL, data breach and other coverage descriptions; last updated July 28, 2025; products-not-available-in-all-states footnote. Accessed 2026-09-16. 43. [Inland Marine Insurance Solutions](https://www.thehartford.com/inland-marine-insurance). The Hartford; Midsize and large inland-marine programs including technology equipment; Quick Quote submissions; premium-start statement for larger businesses. Accessed 2026-09-16. 44. [Employee Benefits Insurance](https://www.thehartford.com/employee-benefits). The Hartford; Employer income-protection and related benefits; footer naming Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company as underwriting companies. Accessed 2026-09-16. 45. [Producer Compensation Property & Casualty](https://www.thehartford.com/producer-compensation). The Hartford; Distribution through agents and brokers; base, contingent and supplemental commissions; employee sales compensation; surplus-lines brokers; producer-charged customer fees that are not Hartford premium. Accessed 2026-09-16. 46. [Insurance Claim Center](https://www.thehartford.com/claims). The Hartford; Phone and online reporting; online claim status; mobile app for claims, policy details and billing. Accessed 2026-09-16. 47. [General Liability Claims | File A Claim](https://www.thehartford.com/general-liability-insurance/claims). The Hartford; 24/7 phone 800-327-3636; online general-liability claim form; policy-type selector including cyber, employee benefits, property and workers’ compensation. Accessed 2026-09-16. 48. [Hartford Fire Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile). California Department of Insurance; NAIC 19682; California Company ID 0085-1; authorized 01/07/1870; license status UNLIMITED-NORMAL; property and casualty; domicile Connecticut; authorized lines including liability, fire, workers’ compensation, automobile, surety and marine. Accessed 2026-09-16. Updated 2026-09-16. Last verified 2026-09-16. 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-the-hartford.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)