Mylo vs The Hartford Commercial Auto Insurance

Mylo brokers commercial auto insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. ³Company-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. ⁷Company-reported. Commercial auto product page as read 2026-09-23.

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.

Not described in the reviewed sources.

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.

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. ⁷Company-reported. Commercial auto product page as read 2026-09-23.

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.

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. ⁷Company-reported. Commercial auto product page as read 2026-09-23. General coverage description; the issued policy controls.

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.

The Hartford reports average commercial auto costs of about $574 a month ($6,884 a year) for its customers; the page does not publish standard liability limits, which it says depend on business type, vehicle type, driving records, cargo and location. ⁷Company-reported. Company-reported average as of 2026-09-23 (page last updated by The Hartford August 27, 2026); not a coverage limit.

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.

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. ⁷Company-reported. Commercial auto product page as read 2026-09-23.