Mylo vs 
THREE by Berkshire Hathaway
Introduction
Coverage Comparison
| Coverage | Mylo | THREE by Berkshire Hathaway |
|---|---|---|
| Business owner’s policy | Listed 1,5Mylo lists a business owner’s policy among its business insurance products. | Listed 30,22Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Commercial auto | Listed 6As of September 16, 2026, Mylo invites commercial-auto quote requests and describes comparing policies from multiple insurers. | Listed 30,22Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Commercial property | Not listed | Listed 30,22Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Cyber liability | Listed 8Mylo invites cyber insurance quote requests and compares policies from multiple insurers. | Listed 30,22Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Directors and officers | Not listed | Listed 30Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Employee health and benefits | Listed 14Mylo helps employers with 2–99 employees compare and enroll in small-group health, dental and vision plans. | Not listed |
| Employment practices liability | Not listed | Listed 30Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Equipment breakdown | Not listed | Listed 30,22THREE lists equipment breakdown within the package; its displayed sample excludes machinery, equipment or listed vehicles that stop without an accident. Check the quoted form for the actual protection. |
| Fiduciary liability | Not listed | Listed 30Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| General liability | Listed 7Mylo compares general liability quotes from insurance carriers and also offers package options. | Listed 30,22Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Liquor liability | Not listed | Listed 30Marketed within THREE’s combined commercial policy if required; the quote and issued form determine availability and protection. |
| Medical malpractice | Listed 9Mylo compares medical malpractice insurance options from insurers. | Not listed |
| Professional errors and omissions (E&O) | Listed 10Mylo compares professional liability quotes for claims from clients unhappy with professional services. | Listed 30Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Surety bonds | Listed 11Mylo compares commercial surety-bond quotes for license or permit obligations. | Not listed |
| Tools, equipment and inland marine | Not listed | Listed 30Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Umbrella and excess liability | Listed 12Mylo compares commercial umbrella quotes from insurers. | Not listed |
| Workers’ compensation | Listed 13Mylo compares workers’ compensation options from insurers. | Listed 30,22Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.
Current Spot Scores
Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.
Mylo
BrokerBroker
5.0/ 10Assessed provider: Mylo. Scope: Mylo, LLC and its disclosed trade names as an online insurance agency and broker; the insurer remains policy-specific.
THREE by Berkshire Hathaway
CarrierCarrier & MGA
No Spot Score
Assessed entity: Berkshire Hathaway Direct Insurance Company. Scope: Berkshire Hathaway Direct Insurance Company (BHDIC), the insurer named on the displayed THREE sample policy. THREE is the commercial product/DBA label. This assessment uses BHDIC-specific evidence only; information about parent companies, affiliates, brokers and other Berkshire insurers is not transferred to BHDIC.
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Mylo
Review Score
2 rated sources
Mylo has strong feedback on its Kansas City Birdeye listing, while its tiny Trustpilot sample is negative. Most available feedback mixes personal and business insurance.[4][6][7]
Read Mylo reviewsTHREE by Berkshire Hathaway
Review Score
2 rated sources
The inspected sources report separate measures: NerdWallet’s 4.0/5 editorial rating is excluded from the source-rating average; Trustpilot displayed 2.5/5 from five user posts and BBB displayed 4.8/5 from 265 reviews. Trustpilot and BBB include different purchase, service and agent/intermediary interactions, not a verified common policyholder cohort. BBB separately lists complaints. Any source-rating average weights eligible platforms equally and is not a pooled, representative customer-experience estimate or a claims-quality measure.[4][3][1][2]
Read THREE by Berkshire Hathaway reviewsKey Differences Between Mylo and THREE
Business Roles and Access to Insurers
Mylo’s documented role shapes who handles underwriting and how you reach a policy.
Mylo describes itself as an independent insurance broker for small and growing businesses. It recommends coverage and compares available quotes from multiple insurers rather than issuing its own policies. 1,2Company-reported. Mylo’s direct US small-business offering. The reviewed sources establish Mylo’s described brokerage role, not the suitability or availability of a particular policy.
THREE documents its own insurance role and access arrangement.
THREE is the commercial brand and product form used by Berkshire Hathaway Direct Insurance Company (BHDIC), which identifies itself as doing business as THREE and names itself as issuer on the sample THREE policy. THREE’s FAQ describes THREE or THREE Insurance as the product name, not a separate insurer. The state-specific issued policy controls. 21,22,23Company-reported. U.S. THREE commercial-insurance brand and sample policy; current company identity pages checked 2026-09-28. Company-reported legal disclosure; the state-specific issued policy controls the buyer’s contract.
Business Fit and Application
Compare the provider roles and application paths with your operation; neither route establishes applicant eligibility.
These entry points show how to start; they do not confirm eligibility or that coverage has been bound. 1 1 1 21 21 30
A business buyer can answer questions about the company and industry online or work by phone with a licensed advisor. Mylo says its system recommends coverage and compares available quotes; some carrier and coverage combinations can be purchased online, but an agent finalizes the policy in most cases. 1,3Company-reported. Current direct small-business workflow described on Mylo’s site. The sources do not promise a quote, bindable offer or completion time for every applicant.
THREE directs prospective customers to an online quote flow and says licensed Small Business Advisors can help them start or continue the process; the company’s FAQ also describes a phone quote and says an unfinished quote can be saved and resumed. This documents quote routes, not online purchase or binding by an individual customer. 21,23Company-reported. U.S. business insurance quote application. Company-described online and phone process; no customer form was submitted and no binding outcome was tested.
What to Confirm in Quotes
Ask Mylo which insurer issues each option and whether the quote covers the requested lines. With THREE, compare its combined product’s issued forms and exclusions against Mylo’s actual proposals. Ask each provider to identify the proposed insurer, exact forms and endorsements, any intermediary or account service contact, and the steps required to bind. Compare premiums only after matching limits, retentions, exclusions, policy periods, taxes and fees.
Compare Services
What each provider documents about the services you may need
| Criteria | Mylo | THREE by Berkshire Hathaway |
|---|---|---|
| Business role | Mylo describes itself as an independent insurance broker for small and growing businesses. It recommends coverage and compares available quotes from multiple insurers rather than issuing its own policies. 1,2Company-reported. Mylo’s direct US small-business offering. The reviewed sources establish Mylo’s described brokerage role, not the suitability or availability of a particular policy. Mylo says it launched within Lockton Companies in 2015 and now has Group 1001 as its backer. A May 2023 Kansas City Business Journal report said Group 1001 became the majority investor and Mylo was no longer part of Lockton; the reviewed sources did not provide a newer ownership percentage. 2,16,17Verified. Corporate history and ownership evidence reviewed through 15 September 2026. Group 1001’s backing does not establish that a Group 1001 insurer underwrites any particular Mylo placement. Mylo, LLC operates the website and is the named insurance agency. Its footer identifies Mylo Insurance Solutions, LLC as a trade name in California, Illinois, Michigan and North Dakota, and Mylo Solutions, LLC as a trade name in New York. 1,3,18,19Verified. Entity and trade-name disclosures on ChooseMylo.com as of 15 September 2026. Massachusetts licensing and Florida corporate records corroborate Mylo, LLC’s identity but do not verify every listed trade name. Mylo also supplies an embedded insurance-shopping service to other companies and insurance agencies. A buyer entering through a partner should identify whether Mylo, the partner or another licensed entity is the producer for the transaction. 15,16Company-reported. Partner-distribution model described by Mylo and Group 1001. The sources do not establish the legal role for every partner implementation. | THREE is the commercial brand and product form used by Berkshire Hathaway Direct Insurance Company (BHDIC), which identifies itself as doing business as THREE and names itself as issuer on the sample THREE policy. THREE’s FAQ describes THREE or THREE Insurance as the product name, not a separate insurer. The state-specific issued policy controls. 21,22,23Company-reported. U.S. THREE commercial-insurance brand and sample policy; current company identity pages checked 2026-09-28. Company-reported legal disclosure; the state-specific issued policy controls the buyer’s contract. Berkshire Hathaway’s published company list identifies Berkshire Hathaway Direct Insurance Company (THREE) and lists Berkshire Hathaway Specialty Insurance (BHSI) and biBERK separately. Its 2025 annual report says BH Direct and GUARD together primarily offer commercial products to small and medium-sized businesses; it separately describes BH Direct’s admitted commercial underwriting and use of the biBERK.com and Threeinsurance.com distribution platforms. The reviewed list and report do not establish the exact direct-versus-indirect ownership chain. 28,27Company-reported. Berkshire Hathaway company list checked 2026-09-28 and 2025 annual-report discussion of BH Direct and GUARD; group relationship and commercial operating scope only, not a precise ownership-chain finding. |
| Application process | A business buyer can answer questions about the company and industry online or work by phone with a licensed advisor. Mylo says its system recommends coverage and compares available quotes; some carrier and coverage combinations can be purchased online, but an agent finalizes the policy in most cases. 1,3Company-reported. Current direct small-business workflow described on Mylo’s site. The sources do not promise a quote, bindable offer or completion time for every applicant. Mylo’s Terms of Use, last updated May 27, 2026, say purchases may have additional transaction terms, require accurate and complete application answers, and may not result in an issued policy. AI-generated estimates are not quotes, binders or coverage; the carrier determines the actual offer after a complete application. 3Company-reported. Website Terms §§1.2, 6 and 9.1.1, last updated May 27, 2026; not the complete terms of an individual insurance transaction or insurer policy. | THREE directs prospective customers to an online quote flow and says licensed Small Business Advisors can help them start or continue the process; the company’s FAQ also describes a phone quote and says an unfinished quote can be saved and resumed. This documents quote routes, not online purchase or binding by an individual customer. 21,23Company-reported. U.S. business insurance quote application. Company-described online and phone process; no customer form was submitted and no binding outcome was tested. THREE describes a partner-agency channel. Its partner page says the Agency Service Team assists policyholders and agents and that agency partners can use the THREE platform to quote, bind, and issue policies online. This describes the partner channel, not the direct public quote flow. 26Company-reported. THREE partner agency program and platform capabilities as described by the company; these capabilities apply to partner agencies and do not establish direct-customer self-binding. |
Related Reading
Sources
Mylo Official Website
- 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.
- Terms Of Use. Mylo; Effective February 21, 2017; last updated May 27, 2026; introduction identifying Mylo, LLC; §1.2 additional transaction terms; §§6.1–6.5 policy and service information, application accuracy and issuance limitations; §9.1.1 AI-generated estimates in AI Platform conversations and carrier determination after complete application on Mylo’s website; trade-name footer. Accessed 2026-09-29.
- Contact Your Carrier. Mylo; Carrier contact instructions; business-insurance support and claims entries; Mylo Service Professional fallback. Accessed 2026-09-15.
- Business Owner’s Policy. Mylo; Business Owners Policy product opening; Get My Quote; How will Mylo find me the right policy?; related business-product navigation. Accessed 2026-09-16.
- Commercial Auto Insurance. Mylo; Commercial Auto Savings For A Business On The Move; What Commercial Auto Insurance Do I Need; How will Mylo find me the right policy?; quote invitation; FAQs. Accessed 2026-09-16.
- Commercial General Liability Insurance. Mylo; Why general liability?; How will Mylo find me the right general liability?; quote comparisons and BOP packaging; related business-product navigation. Accessed 2026-09-16.
- Cyber Insurance. Mylo; Think You Don’t Need Cyber Insurance; quote invitation; comparison of business-insurance companies; related business-product navigation. Accessed 2026-09-16.
- Medical Malpractice Insurance. Mylo; Medical Malpractice Insurance Is Professional Liability; What Types Of Coverage Are Available; cyber section; FAQs; Protect your healthy reputation; quote-comparison and customization paragraphs. Accessed 2026-09-16.
- Professional Liability Insurance. Mylo; Professional Liability? But I Do Good Work (claims from clients unhappy with your work); Start My Quote; Mylo compares quotes from top-rated business insurance companies; related business-product navigation. Accessed 2026-09-16.
- Surety Bonds. Mylo; Surety Bonds Show You Mean Business (license and permit obligations; Mylo compares quotes from top surety bond providers); How Does A Surety Bond Work (three-way agreement); quote calls to action; FAQs. Accessed 2026-09-16.
- Commercial Umbrella Insurance. Mylo; Commercial umbrella product page: add-on above general liability, commercial auto and workers’ comp limits; related business-product navigation. Accessed 2026-09-16.
- Workers’ Compensation Insurance. Mylo; Workers’ Comp? What’s In It For Me; Mylo compares quotes from insurers; Get My Quote; state-fund states referral; related business-product navigation. Accessed 2026-09-16.
- Small Group Benefits. Mylo; Hero for employers with 2–99 employees; health, dental and vision benefit categories; enrollment, HR portal and licensed benefits advisor; Get My Quote. Accessed 2026-09-16.
- Partner With Mylo. Mylo; Insurance-agency and other-industry paths; embedded offering categories; carrier statement; demo request. Accessed 2026-09-15.
- Insurtech Mylo Teams With Gainbridge To Introduce Gainbridge Protect. Group 1001; 26 September 2023 announcement; Amplifi description; statement that Mylo and Gainbridge are backed by Group 1001; About Mylo and About Group 1001. Accessed 2026-09-15.
- Mylo Is No Longer Part Of Lockton. Kansas City Business Journal; Headline and article preview; 23 May 2023; prior minority investor described as new majority investor. Accessed 2026-09-15.
- Mylo, LLC Entity Record. Florida Department of State, Division of Corporations; Document M17000007667; foreign Missouri LLC; active; 2026 annual report filed 30 April 2026. Accessed 2026-09-15.
- Licensed Property And Casualty Agencies. Massachusetts Division of Insurance; Page 114; Mylo, LLC; NPN 18590034; original approval 29 November 2017; renewal 29 November 2026. Accessed 2026-09-15.
- Licensed Surplus Lines Broker Agencies. Massachusetts Division of Insurance; Mylo, LLC; NPN 18590034; original approval 20 December 2017; renewal 20 December 2026. Accessed 2026-09-15.
THREE by Berkshire Hathaway Official Website
- THREE by Berkshire Hathaway — small business insurance. Berkshire Hathaway Direct Insurance Company, dba THREE; Issuer, business focus, and industry scope, lines 70–81; quote/advisor route, lines 405–420; DBA footer, lines 432–434. Accessed 2026-09-28.
- The Policy. Berkshire Hathaway Direct Insurance Company, dba THREE; Sample declarations, limits and three-day Business Interruption waiting period (lines 58–76); Section I: interruption follows a property loss the insurer pays and ends on resumed normal operations or an applicable limit (lines 82–86); Section III: machinery/equipment/listed vehicles stopping without an accident are excluded (lines 104–112). Accessed 2026-09-29.
- FAQs: Understanding THREE. Berkshire Hathaway Direct Insurance Company, dba THREE; Quote save/resume, lines 73–76; claim/update routes, lines 78–89; product-not-company wording, lines 98–100; one-year policy/payment terms, lines 129–130; servicing requests, lines 141–157. Accessed 2026-09-28.
- Terms & Conditions. Berkshire Hathaway Direct Insurance Company, dba THREE; BHDIC dba THREE, lines 20–23; recurring automatic bank draft qualification, lines 27–33. Accessed 2026-09-28.
- Filing a Claim: Call to get started. Berkshire Hathaway Direct Insurance Company, dba THREE; Online/phone claims and account-manager assignment, lines 24–43; claim updates, lines 59–61. Accessed 2026-09-28.
- Become a THREE Partner. Berkshire Hathaway Direct Insurance Company, dba THREE; Partner-agency program and platform permissions, lines 6–18; state availability, lines 30–35. Accessed 2026-09-28.
- Berkshire Hathaway Inc. 2025 Annual Report / Form 10-K. Berkshire Hathaway Inc.; 2025 annual report, PDF page 5, printed K-4, lines 303–308: BH Direct and GUARD joint SMB focus; BH Direct platforms/admitted products. Accessed 2026-09-28.
- Links to Berkshire Hathaway Subsidiary Companies. Berkshire Hathaway Inc.; Published subsidiary-company list; BHDIC (THREE), BHSI, and biBERK shown separately, lines 11–16. Accessed 2026-09-28.
- THREE online quote application. Berkshire Hathaway Direct Insurance Company, dba THREE; THREE online quote entry point inspected; the page is a route to begin an application. No form was submitted or quote generated; this source alone does not establish customer self-binding. Accessed 2026-09-28.
- Business Owners Policy | THREE. Berkshire Hathaway Direct Insurance Company, dba THREE; Product page explicitly markets Business Liability categories (including liquor liability if required), Property (including equipment breakdown and inland marine), Business Auto (including cargo liability and hired/non-owned), Business Interruption, Cyber and Workers’ Compensation, within one combined policy description (lines 8–9, 19–21, 23–76); BHDIC dba THREE footer (lines 93–94). Accessed 2026-09-29.
- Benefits | THREE. Berkshire Hathaway Direct Insurance Company, dba THREE; Page copy: commercial coverage category descriptions for liability, cyber, property/business interruption, business auto and workers compensation; describes product benefits, not a complete policy form. Accessed 2026-09-29.
- THREE logo SVG. Berkshire Hathaway Direct Insurance Company, dba THREE; Direct official SVG asset; viewBox 0 0 720 253; embedded title “Three by Berkshire Hathaway”; downloaded and preserved byte-for-byte as assets/three-logo.svg. Accessed 2026-09-29.
