Mylo vs 
The Hartford: How Do They Compare for Commercial Auto Insurance?
Mylo compares carrier quotes and bundles with personal insurance; The Hartford does not sell commercial auto online to small businesses and sends them to a local agency or Tivly.
Mylo compares carrier quotes and offers non-owned auto with personal-line bundling; The Hartford lists executive drive-other-car and broader auto options through agencies or Tivly. 1,2
What Are the Key Differences Between Mylo and The Hartford Commercial Auto Insurance?
Quote Comparison vs. Executive Coverage and Purchase Route
The Hartford lists liability, physical-damage and medical options, including drive-other-car for executives, and reports about $574 monthly average cost. Small businesses must buy through an agency or Tivly. 1 2
Non-Owned Auto Versus Drive-Other-Car
Mylo flags non-owned auto for personal cars used at work, including a detour example, and lists optional collision and comprehensive. The Hartford lists drive-other-car for executives, rental car coverage, collision, comprehensive, medical payments and uninsured motorists, and excludes personal-reason accidents in an employee’s personal vehicle. Those endorsements answer different “whose car” questions. 1 2
Bundling and a Published Average
Mylo may bundle commercial auto with personal car or home insurance. The Hartford reports about $574 a month ($6,884 a year) as a customer average and names beauty, consulting, photography, retail, technology and restaurants. Mylo publishes no average and does not name those trades. The Hartford’s reviewed page does not mention personal-lines bundling. 1 2
What Should You Confirm in Mylo and The Hartford Commercial Auto Insurance Quotes?
- Confirm The Hartford path (agency versus Tivly) and which markets Mylo compared. 2 1
- Ask for drive-other-car on The Hartford quote and non-owned auto on Mylo’s. 2 1
- Do not treat $574 a month as your Hartford premium. 2
- If Mylo proposes a personal-lines bundle, compare it with a Hartford commercial-only policy. 1
Mylo vs The Hartford Commercial Auto Insurance Compared
Mylo vs The Hartford: Commercial Auto Insurance: documented features by provider
| Criteria | Mylo Commercial Auto Insurance | The Hartford Commercial Auto Insurance |
|---|---|---|
| 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. 1Company-reported. Commercial auto product page. | The Hartford says coverage requirements vary by state, and names industries it targets: beauty shops, consulting, photography, retail, technology and restaurants; covered vehicle types include cars, commercial cargo vans, commercial trucks, pickup trucks, box trucks and service utility trucks. 2Company-reported. Commercial auto product page as read 2026-09-23. |
| 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. 1Company-reported. Commercial auto product page "How will Mylo find me the right policy?" section. | The Hartford does not currently sell commercial auto coverage online for small businesses; it directs buyers to a local agency or to its partner Tivly for a quote instead of a self-serve online flow. 2Company-reported. Commercial auto product page as read 2026-09-23. |
| 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. 1Company-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. 1Company-reported. Commercial auto product page FAQ; a general explanation, not a specific policy's terms. | The Hartford lists common commercial auto coverage options: bodily injury liability, property damage liability, drive-other-car coverage for executives, collision, comprehensive, medical payments, uninsured/underinsured motorist, and rental car coverage. It excludes unrelated medical expenses, contents inside the vehicle, accidents in an employee's personal vehicle for personal reasons, and rental-vehicle repair costs while a company vehicle is being fixed. 2Company-reported. Commercial auto product page as read 2026-09-23. General coverage description; the issued policy controls. |
| Role in This Line | Mylo brokers commercial auto insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. 1Company-reported. Commercial auto product page. | The Hartford's commercial auto insurance helps cover property damage and medical expenses when a business or its employees cause an accident using company vehicles. 2Company-reported. Commercial auto product page as read 2026-09-23. |
