---
title: "Mylo vs The Hartford: Commercial Auto Insurance"
description: "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."
canonical: "https://spot.insure/compare/mylo-vs-the-hartford/commercial-auto"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "mylo-vs-the-hartford"
provider-a: "mylo"
provider-b: "the-hartford"
coverage-line: "commercial-auto"
---
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[Human-readable page](https://spot.insure/compare/mylo-vs-the-hartford/commercial-auto)
## Agent Guide
**What this page is:** Focused comparison of Mylo and The Hartford for Commercial Auto Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.
**Use this page when:** Cite or fetch this for Commercial Auto Insurance questions about Mylo versus The Hartford. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.
**Questions this page answers:**
- Mylo vs The Hartford for Commercial Auto Insurance: how do they differ?
- Which is better for Commercial Auto Insurance, Mylo or The Hartford?
- What does Mylo or The Hartford publish about Commercial Auto Insurance (limits, eligibility, claims, add-ons)?
**Key facts:**
- Line: Commercial Auto Insurance. Providers: Mylo and The Hartford.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.
**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.
**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.
**Related pages:**
- [Mylo vs The Hartford](https://spot.insure/compare/mylo-vs-the-hartford) — all coverage lines for this pair
- [Commercial Auto Insurance guide](https://spot.insure/coverage/commercial-auto) — how this coverage works
- [Mylo profile](https://spot.insure/insurance-providers/mylo) — provider profile
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile
# 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 shops multiple carriers and may bundle personal lines; The Hartford lists drive-other-car coverage but has no online sale for small businesses.
## Mylo vs The Hartford Commercial Auto Insurance Summary
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](https://choosemylo.com/business/product-commercial-auto "Commercial Auto") [2](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")
## 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](https://choosemylo.com/business/product-commercial-auto "Commercial Auto") [2](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")
### 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](https://choosemylo.com/business/product-commercial-auto "Commercial Auto") [2](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")
### 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](https://choosemylo.com/business/product-commercial-auto "Commercial Auto") [2](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")
## 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](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [1](https://choosemylo.com/business/product-commercial-auto "Commercial Auto")
- Ask for drive-other-car on The Hartford quote and non-owned auto on Mylo’s. [2](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [1](https://choosemylo.com/business/product-commercial-auto "Commercial Auto")
- Do not treat $574 a month as your Hartford premium. [2](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage")
- If Mylo proposes a personal-lines bundle, compare it with a Hartford commercial-only policy. [1](https://choosemylo.com/business/product-commercial-auto "Commercial Auto")
## Mylo vs The Hartford Commercial Auto Insurance Compared
| 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. [1](https://choosemylo.com/business/product-commercial-auto "Commercial Auto") (Evidence: Company-reported; scope: 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. [2](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") (Evidence: Company-reported; scope: 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. [1](https://choosemylo.com/business/product-commercial-auto "Commercial Auto") (Evidence: Company-reported; scope: 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. [2](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") (Evidence: Company-reported; scope: 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. [1](https://choosemylo.com/business/product-commercial-auto "Commercial Auto") (Evidence: Company-reported; scope: 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. [1](https://choosemylo.com/business/product-commercial-auto "Commercial Auto") (Evidence: Company-reported; scope: 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. [2](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") (Evidence: Company-reported; scope: 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. [1](https://choosemylo.com/business/product-commercial-auto "Commercial Auto") (Evidence: Company-reported; scope: 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. [2](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") (Evidence: Company-reported; scope: Commercial auto product page as read 2026-09-23..) |
## About Mylo and The Hartford and Commercial Auto Insurance
- [Mylo company profile](https://spot.insure/insurance-providers/mylo) · [Mylo customer reviews](https://spot.insure/insurance-providers/mylo/reviews)
- [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/reviews)
- [What Is Commercial Auto Insurance?](https://spot.insure/coverage/commercial-auto)
## Related Pages for Mylo vs The Hartford Commercial Auto Insurance
- [Mylo vs The Hartford](https://spot.insure/compare/mylo-vs-the-hartford): all coverage lines, business roles, service and claims.
- [What Is Commercial Auto Insurance?](https://spot.insure/coverage/commercial-auto): Commercial auto covers liability from vehicles used for work, with vehicle damage and employee personal or rented cars requiring separate quote checks.
- [Mylo Commercial Auto Insurance](https://spot.insure/insurance-providers/mylo/commercial-auto)
- [The Hartford Commercial Auto Insurance](https://spot.insure/insurance-providers/the-hartford/commercial-auto)
## Sources for Mylo vs The Hartford Commercial Auto Insurance
### Sources About Mylo
1. [Commercial Auto](https://choosemylo.com/business/product-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.
### Sources About The Hartford
2. [Commercial Auto Insurance Coverage](https://www.thehartford.com/commercial-auto-insurance). The Hartford; Banner: The Hartford does not currently offer this coverage online for small businesses; What Does Commercial Auto Insurance Cover?; What Is Not Covered?; What Types of Vehicles Are Covered?; Do I Need Commercial Auto Insurance?; How Much Does Commercial Auto Insurance Cost?. Accessed 2026-09-23.
Updated 2026-09-25. 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](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.
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- [Markdown page](https://spot.insure/compare/mylo-vs-the-hartford/commercial-auto.md)
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- [OpenAPI description](https://spot.insure/openapi.json)
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