Mylo vs The Hartford: How Do They Compare for Cyber Insurance?

Mylo is a broker that compares quotes from several carriers; The Hartford sells cyber as a business owner's policy endorsement or CyberChoice, averaging $320 a year for data breach coverage.

The Hartford sells cyber as a BOP endorsement, standalone CyberChoice or FailSafe Tech E&O and reports about $320 a year on average for data-breach coverage. Mylo compares carrier quotes and can attach cyber to a BOP but does not underwrite the policy. ^2,¹

What Are the Key Differences Between Mylo and The Hartford Cyber Insurance?

An Insurer's Three Products Versus a Quote Comparison

The Hartford underwrites cyber three ways depending on complexity: a Data Breach and Cyber Virus and Malware endorsement on a BOP, standalone CyberChoice First Response for non-tech businesses, or FailSafe Technology E&O for technology businesses. Mylo brokers by comparing quotes from multiple carriers and does not issue the policy. Choose The Hartford if you want the insurer to write one of those three forms; choose Mylo if you want competing carrier quotes rather than Hartford paper. ² ¹

A $320 Average Versus No Published Price

The Hartford reports customers pay about $320 a year on average for data-breach coverage. Mylo's page does not publish premium ranges, limits or retentions. ² ¹

A Staffed Cyber Center Versus No Claims Desk on the Page

The Hartford gives policyholders 24/7 Cyber Center access for training and attorney consults, plus a FirstResponse hotline at 800-370-0605. Mylo's reviewed page does not describe claims handling or a response center for this line. ² ¹

What Should You Confirm in Mylo and The Hartford Cyber Insurance Quotes?

Ask The Hartford which of the three structures applies. ²
Ask Mylo which carriers it compared. ¹
Confirm how third-party claims are treated; The Hartford may route them through general liability. ²

Mylo vs The Hartford Cyber Insurance Compared

Mylo vs The Hartford: Cyber Insurance: documented features by provider

Criteria	Mylo Cyber Insurance	The Hartford Cyber Insurance
Who It’s For	Mylo markets cyber insurance to businesses that take credit cards or store customer information, citing its own figure that more than two-thirds of small businesses have experienced a cyberattack. ¹Company-reported. Cyber insurance product page; a company-reported statistic, not independently verified.	The Hartford says cyber coverage is relevant to businesses that use the internet in operations, maintain a website, store private client data, or accept digital payments. ²Company-reported. Cyber insurance product page as read 2026-09-23.
Coverage Features	Mylo says cyber coverage can pay non-legal costs (breach investigation, customer notification, crisis-management and PR help, lost income, ransom reimbursement, and data restoration) as well as legal and regulatory costs, including defense and fines from a regulator such as HIPAA or from lawsuits by people affected by a breach. ¹Company-reported. Cyber insurance product page; the issued policy and its exclusions control. Mylo names hacking and social-engineering attacks (such as spear phishing), employee or partner data errors and misuse, and malware or ransomware as the cyber threats this coverage is designed to address. ¹Company-reported. Cyber insurance product page. Mylo says cyber insurance can often be added to a Business Owner's Policy depending on the carrier, alongside general liability, commercial property and business interruption. ¹Company-reported. Cyber insurance product page "Add cyber to your Business Owner's Policy (BOP)" section.	The Hartford lists covered expenses after a cyber event: incident response (legal, forensic investigation, public relations), cyber extortion/ransom payments and negotiation, data recovery, system/network restoration, lost income from business interruption, customer notification and credit monitoring, and regulatory-inquiry defense and fines. The Hartford does not offer separate third-party cyber coverage; that risk may instead fall within its general liability grant. ²Company-reported. Cyber insurance product page as read 2026-09-23. General coverage description; the issued policy controls.
Role in This Line	Mylo brokers cyber insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. ¹Company-reported. Cyber insurance product page.	The Hartford sells cyber coverage three ways depending on complexity: as an endorsement (Data Breach and Cyber Virus and Malware) added to a Business Owner's Policy, as stand-alone CyberChoice First Response for non-technology businesses with more complex risk, or as FailSafe Technology Errors and Omissions for technology businesses. ²Company-reported. Cyber insurance product page as read 2026-09-23.

Criteria

Mylo Cyber Insurance

The Hartford Cyber Insurance

Who It’s For

Mylo markets cyber insurance to businesses that take credit cards or store customer information, citing its own figure that more than two-thirds of small businesses have experienced a cyberattack. ¹Company-reported. Cyber insurance product page; a company-reported statistic, not independently verified.

The Hartford says cyber coverage is relevant to businesses that use the internet in operations, maintain a website, store private client data, or accept digital payments. ²Company-reported. Cyber insurance product page as read 2026-09-23.

Coverage Features

Mylo says cyber coverage can pay non-legal costs (breach investigation, customer notification, crisis-management and PR help, lost income, ransom reimbursement, and data restoration) as well as legal and regulatory costs, including defense and fines from a regulator such as HIPAA or from lawsuits by people affected by a breach. ¹Company-reported. Cyber insurance product page; the issued policy and its exclusions control.

Mylo names hacking and social-engineering attacks (such as spear phishing), employee or partner data errors and misuse, and malware or ransomware as the cyber threats this coverage is designed to address. ¹Company-reported. Cyber insurance product page.

Mylo says cyber insurance can often be added to a Business Owner's Policy depending on the carrier, alongside general liability, commercial property and business interruption. ¹Company-reported. Cyber insurance product page "Add cyber to your Business Owner's Policy (BOP)" section.

The Hartford lists covered expenses after a cyber event: incident response (legal, forensic investigation, public relations), cyber extortion/ransom payments and negotiation, data recovery, system/network restoration, lost income from business interruption, customer notification and credit monitoring, and regulatory-inquiry defense and fines. The Hartford does not offer separate third-party cyber coverage; that risk may instead fall within its general liability grant. ²Company-reported. Cyber insurance product page as read 2026-09-23. General coverage description; the issued policy controls.

Role in This Line

Mylo brokers cyber insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. ¹Company-reported. Cyber insurance product page.

The Hartford sells cyber coverage three ways depending on complexity: as an endorsement (Data Breach and Cyber Virus and Malware) added to a Business Owner's Policy, as stand-alone CyberChoice First Response for non-technology businesses with more complex risk, or as FailSafe Technology Errors and Omissions for technology businesses. ²Company-reported. Cyber insurance product page as read 2026-09-23.