Mylo vs 
The Hartford Professional Liability (E&O) Insurance
The Hartford publishes average E&O premiums and reporting-period terms by product; Mylo compares quotes without disclosing pricing.
What Is Mylo Insurance?
Mylo is an independent insurance broker for small and growing businesses. It recommends coverage and compares available quotes from multiple carriers online or with a licensed advisor; the insurer named on the resulting policy provides the coverage. 1,2
What Is The Hartford?
The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. 5,6,7
What Is Professional Errors and Omissions (E&O) Insurance?
Professional errors and omissions (E&O) insurance, also called professional liability insurance, addresses claims that professional services or advice caused a client financial loss. What's covered depends on the services actually scheduled in the policy, not the product label alone. 9,10,11,12
Key Differences in Professional Liability (E&O) Insurance
Underwriter Versus Comparison Broker
The Hartford's page describes underwriting professional liability directly, protecting businesses for mistakes in the professional services provided to clients. 8 Mylo instead describes comparing quotes from multiple business insurance companies to find a combination of coverage and price, rather than underwriting the policy itself. 3
Reporting-Period Terms on One Side
The Hartford's page details a specific structure Mylo's page doesn't quantify:
The Hartford says the policy can cover claims of negligence, misrepresentation, inaccurate advice, personal injury (libel/slander) and copyright infringement, plus defense costs. Many of its professional liability policies are written on a claims-made basis with a retroactive date and an extended reporting period (typically 30-60 days, extendable to a year or more for an added cost), though some are written on an occurrence basis. 8Company-reported. Professional liability product page as read 2026-09-23. General coverage and policy-form description; the issued policy controls.
Mylo's page explains claims-made versus occurrence forms in general terms and says tail coverage can be added to a claims-made policy, but does not publish a specific reporting-period length like The Hartford's 30-60 day figure. 3
Pricing Transparency
The Hartford publishes average minimum monthly premiums by product, ranging from $38 for Healthcare Professionals Professional Liability to $239 for Architects and Engineers Professional Liability. 8 Mylo's page does not publish a comparable price range; it describes shopping the market rather than quoting a figure directly. 3
What to Confirm in Professional Liability (E&O) Insurance Quotes
- Ask The Hartford whether your profession falls under one of its published pricing categories or a different underwriting tier. 8
- Ask Mylo whether the quote it finds for you is claims-made or occurrence, and what a tail endorsement would cost. 3
- Confirm the extended-reporting-period length and cost on any claims-made quote from either. 8 3
- Neither page publishes standard coverage limits; get them in writing before binding. 8 3
Offering Details
Mylo vs The Hartford Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Mylo Professional Liability Insurance | The Hartford Professional Liability Insurance (Errors & Omissions) |
|---|---|---|
| Role in This Line | Mylo brokers professional liability insurance by comparing quotes from multiple business insurance companies rather than underwriting the policy itself. 3Company-reported. Professional liability product page. | The Hartford's professional liability insurance, also called errors and omissions (E&O) insurance, protects businesses when they make mistakes in the professional services provided to clients, including claims that turn out to be baseless. 8Company-reported. Professional liability product page as read 2026-09-23. |
| Issuing Insurer | The professional liability product page and Mylo's carrier-contact directory do not name the insurer that would issue a professional liability policy; the directory groups carriers under generic Auto & Home and Business categories only. 3,4Not publicly disclosed. Checked the professional liability product page and the carrier-contact directory on 2026-09-23; neither ties a named carrier to this line. | Not described in the reviewed sources. |
| Who It’s For | Mylo markets this line to businesses that could face a claim from a client unhappy with their professional services, using examples spanning app development, financial planning and beauty-salon services. 3Company-reported. Product page examples; a particular business's eligibility depends on underwriting. | The Hartford targets professional liability at businesses that sign contracts requiring coverage, offer professional services directly to customers, or regularly give advice to clients, and lists industries it covers: accountants, consultants, interior designers, advertising agencies, graphic designers, technology professionals and healthcare professionals. 8Company-reported. Professional liability product page as read 2026-09-23. |
| Coverage Features | Mylo describes the policy responding to breach-of-contract claims, bodily injury or property damage claims, financial-loss claims, and consequential-damages claims arising from a client relationship. 3Company-reported. Product page coverage descriptions; actual insuring agreements and exclusions are set by the issued policy. Mylo explains that professional liability comes in claims-made and occurrence forms, and that tail coverage can be added to a claims-made policy to extend reporting after it ends. 3Company-reported. Product page FAQ; which form and tail terms are offered depends on the placed carrier. | The Hartford says the policy can cover claims of negligence, misrepresentation, inaccurate advice, personal injury (libel/slander) and copyright infringement, plus defense costs. Many of its professional liability policies are written on a claims-made basis with a retroactive date and an extended reporting period (typically 30-60 days, extendable to a year or more for an added cost), though some are written on an occurrence basis. 8Company-reported. Professional liability product page as read 2026-09-23. General coverage and policy-form description; the issued policy controls. |
| Limits and Retentions | Not described in the reviewed sources. | The Hartford publishes average minimum monthly premiums by product: Misc. Professional Liability Standalone $62, Misc. Professional Liability Endorsement $41, Architects and Engineers Professional Liability $239, Healthcare Professionals Professional Liability $38, and Errors & Omissions Insurance for Technology Companies $146. The page does not publish standard coverage limits or retentions; cost and limits are set at quote. 8Company-reported. Company-reported pricing as of 2026-09-23 (page last updated by The Hartford May 4, 2026); premiums are not coverage limits. |
| How to Apply | Mylo says it recommends coverage customized to the business and compares professional liability quotes from top-rated business insurance companies to find a combination of coverage and price. 3Company-reported. Product page "How will Mylo find me the right policy?" section. | Not described in the reviewed sources. |
| Claims Support | Mylo's carrier-contact page lists claims phone numbers by carrier for Auto & Home and Business policies generally, but does not identify a professional-liability-specific claims contact or process. 4Not found in reviewed sources. Carrier-contact directory checked 2026-09-23; entries are organized by carrier and general product category, not by coverage line. | Not described in the reviewed sources. |
Full Comparison
More Mylo vs The Hartford Comparisons
Other Professional Liability (E&O) Insurance Comparisons
Sources
Mylo
- Small Business Insurance. Mylo; Hero; What Insurance Does A Small Business Need (Business Owners Policy listing); Get My Quote; Business Insurance FAQs; commercial-product navigation; footer legal disclosure. Accessed 2026-09-16.
- About Mylo. Mylo; Your Digital One-Stop Shop; The Broker Advantage; Proven Heritage, Powerful Future; About Mylo FAQs. Accessed 2026-09-15.
- Professional Liability Insurance. Mylo; Professional Liability? But I Do Good Work; What does professional liability cover?; Professional liability FAQs (claims-made vs. occurrence, tail coverage); How will Mylo find me the right policy? Accessed 2026-09-23.
- Contact Your Carrier. Mylo; Carrier contact list grouped by Auto & Home, Business and Claims; no professional-liability-specific entry. Accessed 2026-09-23.
The Hartford
- Legal Notice. The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
- SaaS Insurance for Your Business. The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
- Find a Local Insurance Agent. The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
- Professional Liability Insurance Coverage. The Hartford; What Is Professional Liability Insurance Coverage?; What Does Professional Liability Insurance Cover?; Who Needs Professional Liability Insurance Coverage?; How Much Does Professional Liability Insurance Cost?; How Does Professional Liability Insurance Work? (claims-made vs. occurrence). Accessed 2026-09-23.
Professional Liability (E&O) Insurance Guide
- FAQ: Professional liability insurance. Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
- Professional liability insurance. Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Professional Liability – US Direct Errors and Omissions Insurance. Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.
