Mylo vs The Hartford: How Do They Compare for Business Owner’s Policy?

The Hartford offers an online BOP quote and reports customers paid an average of $1,687 a year; Mylo is a broker that compares quotes from multiple carriers and names The Hartford as one it partners with.

Mylo can quote The Hartford and dozens of other insurers side by side, so it is the better start if you want to compare prices. Going direct to The Hartford gets you one insurer's BOP, a published average of $1,687 a year and a clear add-on menu. ^1,^2,³

What Are the Key Differences Between Mylo and The Hartford Business Owner’s Policy?

One Insurer Versus a Panel That Includes It

Mylo is a broker that compares quotes from more than 40 A-rated insurers and names The Hartford as one of them. A Mylo quote may come back from The Hartford or from another insurer on its panel. Going direct to The Hartford, you get only its price, which you can start online or by phone. Choose Mylo if you want several quotes, including The Hartford’s; choose The Hartford if you already want it and plan to add auto, workers’ comp or professional liability with the same insurer. ² ³

Published Average and Add-Ons

The Hartford reports that its BOP customers paid an average of $1,687 a year, about $141 a month, which gives you a benchmark before you quote. It lists workers’ comp, professional liability, commercial auto, data-breach coverage and off-premises utility business income as add-ons. Mylo publishes no premium range and no add-on list; it describes the core three-part bundle and says packaging saves money. ³ ¹

What Should You Confirm in Mylo and The Hartford Business Owner’s Policy Quotes?

Ask Mylo which insurer actually issues your quote, and whether The Hartford was one of them. ²
Ask The Hartford which of its companies issues the policy. ⁴
Don’t treat the $1,687 average as your price; compare quotes with matching limits. ³
Ask both how lost income is calculated; Mylo describes actual loss sustained. ¹ ³

Mylo vs The Hartford Business Owner’s Policy Compared

Mylo vs The Hartford: Business Owner’s Policy: documented features by provider

Criteria	Mylo Business Owner's Policy	The Hartford Business Owner's Policy (BOP)
Who It’s For	Mylo's business-insurance overview page lists a BOP among the coverages most owners start with, alongside commercial auto, workers' compensation and commercial umbrella, and says it gives each business a personalized coverage recommendation. ²Company-reported. Business-insurance overview page.	The Hartford says a BOP fits a business that has a physical location, faces a possibility of being sued, or has assets that could be stolen or damaged, and can be customized for specific industries. ³Company-reported. BOP product page as read 2026-09-23.
How to Apply	Mylo says a buyer can shop for a BOP online through its Mind of Mylo recommendation tool or by phone with a licensed advisor (844-863-5950), and that Mylo has agents licensed in all 50 states. ²Company-reported. Business-insurance overview page FAQ.	The Hartford offers an online quote flow for a BOP, described as customizable by adding coverages; buyers can also call a listed phone number to start a quote. ³Company-reported. BOP product page as read 2026-09-23. Quote availability observed without completing a purchase.
Coverage Features	Mylo describes its BOP as bundling three coverages: general liability for third-party bodily injury, property damage and advertising-injury claims; commercial property for damage to a business's building and business personal property from causes such as fire, storm, theft or vandalism; and business interruption for lost income (actual loss sustained) during a covered shutdown. ¹Company-reported. BOP product page coverage sections; the issued policy and its exclusions control. Mylo says packaging these three coverages in a BOP instead of buying them separately typically costs less and can provide better coverage than buying each individually. ¹Company-reported. BOP product page FAQ; a general company statement, not a quoted savings figure for any specific business.	The Hartford says a BOP does not itself include workers' compensation, professional liability, commercial auto or data breach coverage, but these can be added on top of the base policy, along with off-premises utility business-income coverage. ³Company-reported. BOP product page as read 2026-09-23.
Role in This Line	Mylo brokers a business owner's policy by comparing quotes from multiple carriers rather than underwriting the policy itself. ^1,²Company-reported. BOP product page and the business-insurance overview page.	The Hartford's BOP bundles commercial property insurance, general liability insurance and business income (interruption) coverage into one policy, rather than requiring three separate policies. ³Company-reported. BOP product page as read 2026-09-23.