---
title: "Mylo vs THREE by Berkshire Hathaway: Business Owner’s Policy"
description: "Mylo spells out property, liability, and business-interruption components and compares carrier quotes, while THREE’s package terms depend on the quote."
canonical: "https://spot.insure/compare/mylo-vs-three/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "mylo-vs-three"
provider-a: "mylo"
provider-b: "three"
coverage-line: "business-owners-policy"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/mylo-vs-three/business-owners-policy)

## Agent Guide

**What this page is:** Focused comparison of Mylo and THREE by Berkshire Hathaway for Business Owner’s Policy: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Business Owner’s Policy questions about Mylo versus THREE by Berkshire Hathaway. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Mylo vs THREE by Berkshire Hathaway for Business Owner’s Policy: how do they differ?
- Which is better for Business Owner’s Policy, Mylo or THREE by Berkshire Hathaway?
- What does Mylo or THREE by Berkshire Hathaway publish about Business Owner’s Policy (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Business Owner’s Policy from Mylo or THREE by Berkshire Hathaway?

**Key facts:**
- Line: Business Owner’s Policy. Providers: Mylo and THREE by Berkshire Hathaway.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Mylo vs THREE by Berkshire Hathaway](https://spot.insure/compare/mylo-vs-three) — parent: all coverage lines for this pair
- [Business Owner’s Policy guide](https://spot.insure/coverage/business-owners-policy) — coverage explainer for this line
- [Mylo profile](https://spot.insure/insurance-providers/mylo) — provider profile (evidence)
- [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence)
- [Mylo vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/mylo-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Mylo vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/mylo-vs-three/general-liability) — sibling comparison (other line, or other pair for this line)
- [Mylo vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/mylo-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Mylo vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/mylo-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Mylo Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-mylo/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Mylo Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-mylo/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Chubb vs Mylo Business Owner’s Policy](https://spot.insure/compare/chubb-vs-mylo/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Chubb vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/chubb-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line)

# Mylo vs THREE by Berkshire Hathaway: How Do They Compare for Business Owner’s Policy?

Mylo spells out property, liability, and business-interruption components and compares carrier quotes, while THREE’s package terms depend on the quote.

## Research Scope and Use

Use this comparison to evaluate Mylo and THREE by Berkshire Hathaway for Business Owner’s Policy against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Mylo says its brokered BOP combines general liability, commercial property, and business interruption and compares offers from more than 40 carriers. THREE markets a combined BOP and directs buyers to an online quote with advisor help. [3](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

## What Is Mylo Insurance?

Mylo suits small businesses wanting online quote comparisons or licensed-advisor help; firms needing complex program management should compare full-service brokers. Mylo says 95% of customers pay no fee, though some transactions carry fees. [1](https://choosemylo.com/business/business-insurance "Business Insurance") [2](https://choosemylo.com/our-story "About Mylo")

[Mylo profile](https://spot.insure/insurance-providers/mylo)

## THREE small business insurance: coverage, issuer and buying routes

THREE markets a packaged commercial insurance product through a direct quote route and partner agents. Berkshire Hathaway Direct Insurance Company is named as issuer on THREE’s sample policy. [4](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

[THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three)

## What Is a Business Owner’s Policy?

A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. [7](https://content.naic.org/consumer/small-business.htm "Small Business") [8](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy "Business Interruption and Business Owner Policy")

## Key Differences in Business Owner’s Policy

### Components and income protection

Mylo describes a BOP that combines general liability, commercial property, and business interruption; it says the latter can replace lost income during a covered shutdown. THREE describes a multi-coverage BOP but its reviewed page does not identify these individual components. If a closure would disrupt payroll or rent, ask THREE to show the business-income terms and ask Mylo which carrier’s form would apply. Mylo also says bundling these three protections typically costs less than buying separately, a company claim to compare against the actual quotes. [3](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Market comparison and insurer identity

Mylo says it works with more than 40 A-rated commercial carriers, including Travelers, Liberty Mutual, The Hartford, and Hiscox, but does not identify which one would issue an individual BOP. THREE offers an online quote and its sample policy names Berkshire Hathaway Direct Insurance Company as issuer. Ask Mylo which carrier is on your proposal and compare that named policy with THREE’s actual declarations; the carrier list alone does not establish a particular placement. [1](https://choosemylo.com/business/business-insurance "Business Insurance") [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

## What to Confirm in Business Owner’s Policy Quotes

- Ask Mylo which carrier and form back the proposal and how its business-income loss is calculated. [1](https://choosemylo.com/business/business-insurance "Business Insurance") [3](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy")
- Ask THREE to itemize business interruption, property, and liability terms and identify the issuer. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")
- Compare total premium for the named limits rather than relying on Mylo’s general bundling claim. [3](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy")

## Offering Details

| Criteria | Mylo Business Owner's Policy | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Mylo brokers a business owner's policy by comparing quotes from multiple carriers rather than underwriting the policy itself. [3](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") [1](https://choosemylo.com/business/business-insurance "Business Insurance") (Evidence: Company-reported; scope: BOP product page and the business-insurance overview page..) | THREE presents its Business Owners Policy as a combined product containing multiple business coverage categories. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Company-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant..) |
| Issuing Insurer | Mylo says it partners with more than 40 A-rated commercial insurance carriers and names Travelers, Liberty Mutual, The Hartford and Hiscox as examples, but neither page identifies which carrier would issue a specific business's BOP. [1](https://choosemylo.com/business/business-insurance "Business Insurance") (Evidence: Company-reported; scope: Business-insurance overview page FAQ; the carrier panel is described company-wide, not BOP-specific..) | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: This is the issuer named on the public sample only; the sample does not establish the issuing entity for every state-specific quote or buyer's issued policy..) |
| Who It’s For | Mylo's business-insurance overview page lists a BOP among the coverages most owners start with, alongside commercial auto, workers' compensation and commercial umbrella, and says it gives each business a personalized coverage recommendation. [1](https://choosemylo.com/business/business-insurance "Business Insurance") (Evidence: Company-reported; scope: Business-insurance overview page..) | The reviewed product page does not state separate eligibility rules for Business Owners Policy; the general quote and advisor route is not proof that a particular business qualifies for it. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [4](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms..) |
| Coverage Features | Mylo describes its BOP as bundling three coverages: general liability for third-party bodily injury, property damage and advertising-injury claims; commercial property for damage to a business's building and business personal property from causes such as fire, storm, theft or vandalism; and business interruption for lost income (actual loss sustained) during a covered shutdown. [3](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") (Evidence: Company-reported; scope: BOP product page coverage sections; the issued policy and its exclusions control..)<br><br>Mylo says packaging these three coverages in a BOP instead of buying them separately typically costs less and can provide better coverage than buying each individually. [3](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") (Evidence: Company-reported; scope: BOP product page FAQ; a general company statement, not a quoted savings figure for any specific business..) | THREE labels its combined product a Business Owners Policy and describes multiple business coverages in one policy. The reviewed product page does not establish the exact protections included in a particular quote or issued contract. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Company's description of the U.S. packaged product; a product name is not a policy entitlement. The buyer's state-specific quote, declarations, and forms control..) |
| Limits and Retentions | Neither the BOP product page nor the business-insurance overview page publishes specific coverage limits, deductibles or premium ranges. [3](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") [1](https://choosemylo.com/business/business-insurance "Business Insurance") (Evidence: Not publicly disclosed; scope: Checked both pages on 2026-09-23..) | The reviewed public product page does not state a separate limit or deductible for Business Owners Policy; THREE says the quote-specific insurance summary lists limits and deductibles. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible..) |
| How to Apply | Mylo says a buyer can shop for a BOP online through its Mind of Mylo recommendation tool or by phone with a licensed advisor (844-863-5950), and that Mylo has agents licensed in all 50 states. [1](https://choosemylo.com/business/business-insurance "Business Insurance") (Evidence: Company-reported; scope: Business-insurance overview page FAQ..) | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. [4](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: This is the route for the overall THREE product. It does not show whether Business Owners Policy will be offered for a particular business or whether a customer can bind that line without an issued policy..) |

## Full Comparison

- [Mylo vs THREE by Berkshire Hathaway](https://spot.insure/compare/mylo-vs-three): all coverage lines, business roles, service and claims.
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy): A business owners policy combines property, liability and lost-income protection for eligible small businesses, while auto, workers’ compensation and professional liability may need separate coverage.
- [Mylo vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/mylo-vs-three/commercial-auto)
- [Mylo vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/mylo-vs-three/general-liability)
- [Mylo vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/mylo-vs-three/professional-errors-omissions)
- [Mylo vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/mylo-vs-three/workers-compensation)
- [Alliance Risk vs Mylo Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-mylo/business-owners-policy)
- [Alliance Risk vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-three/business-owners-policy)
- [Amelia Risk vs Mylo Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-mylo/business-owners-policy)
- [Amelia Risk vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-three/business-owners-policy)
- [Chubb vs Mylo Business Owner’s Policy](https://spot.insure/compare/chubb-vs-mylo/business-owners-policy)
- [Chubb vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/chubb-vs-three/business-owners-policy)

## Sources

### Mylo

1. [Business Insurance](https://choosemylo.com/business/business-insurance). Mylo; What insurance does a small business need?; Why Mylo? (40+ top-rated commercial insurance partners, 4.8 Google rating, BBB Accredited); What insurance carriers do you work with?; How do I shop for insurance with Mylo?. Accessed 2026-09-23.
2. [About Mylo](https://choosemylo.com/our-story). Mylo; Your Digital One-Stop Shop; The Broker Advantage; Proven Heritage, Powerful Future; About Mylo FAQs. Accessed 2026-09-15.
3. [Business Owner's Policy](https://choosemylo.com/business/product-business-owners-policy). Mylo; Like you, a BOP can do three things at once!; Coverage #1: general liability; Coverage #2: commercial property; Coverage #3: Business Interruption; Business Owner Policy FAQs. Accessed 2026-09-23.

### THREE by Berkshire Hathaway

4. [Jargon-free small business insurance - THREE by Berkshire Hathaway](https://threeinsurance.com/). Berkshire Hathaway Direct Insurance Company, dba THREE; Lines 23, 39, 70–81 and 406–410: business location quote entry, single-policy description, issuer, business focus, online quote and licensed Small Business Advisor route. Quote entry inspected without submitting a form.. Accessed 2026-09-30.
5. [The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway](https://threeinsurance.com/the-policy). Berkshire Hathaway Direct Insurance Company, dba THREE; State-selectable sample policy: Summary (Declarations) identifies Berkshire Hathaway Direct Insurance Company as issuer and says the insurance summary lists limits and deductibles; sample policy text and state selection do not establish terms for a particular quote or issued policy.. Accessed 2026-09-30.
6. [Business Owners Policy - THREE by Berkshire Hathaway](https://threeinsurance.com/business-owners-policy). Berkshire Hathaway Direct Insurance Company, dba THREE; Product page: “No need for multiple policies” and one comprehensive policy; Business Liability, Property and Business Auto categories and the listed line names. Product page footer identifies Berkshire Hathaway Direct Insurance Company, dba THREE.. Accessed 2026-09-30.

### Business Owner’s Policy Guide

7. [Small Business](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; FAQ: What’s a business owners policy?; What’s general liability insurance. Accessed 2026-09-16.
8. [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy). National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.

Updated 2026-09-30. 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.

## Mylo Reviews

Review Score: 7.7 / 10 from 2 rated sources, equally weighted.

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.

- Trustpilot: TrustScore 2.9 (0–5 stars); 2 reviews. Trustpilot brand profile linked to choosemylo.com and Kansas City address; two user reviews from U.S. reviewers, both about auto-insurance shopping, not commercial policies. Trustpilot warns reviews may not be representative. Period: 0 reviews in prior 12 months; accessed 2026-09-25. Checked 2026-09-25. [Mylo Reviews | Trustpilot](https://uk.trustpilot.com/review/choosemylo.com)
- Birdeye (aggregates Google and Birdeye reviews): combined Google/Birdeye star rating 4.8 (0–5 stars); 1329 reviews. Kansas City office at 8880 Ward Pkwy #200; profile links to choosemylo.com and identifies insurance products including business, home, auto, health and group health. Birdeye shows 1,328 Google and 1 Birdeye review. Local office and mixed-product profile, not company-wide commercial-only consensus. Period: Observed 2026-09-25; 1,328 Google-origin plus one Birdeye review. Checked 2026-09-25. [Mylo, a Lockton Company | Birdeye](https://reviews.birdeye.com/mylo-a-lockton-company-155339142807839)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/mylo/reviews).

## THREE by Berkshire Hathaway Reviews

Review Score: 7.3 / 10 from 2 rated sources, equally weighted.

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.

- NerdWallet: NerdWallet editorial rating 4.0 (5 stars). NerdWallet editorial evaluation of THREE commercial insurance; updated May 11, 2026. Its methodology score is an editorial rating, not an average of consumer reviews or a claims study. Period: Updated 2026-05-11. Checked 2026-09-29. [Three Insurance review | NerdWallet](https://www.nerdwallet.com/business/insurance/learn/three-insurance)
- Trustpilot: TrustScore 2.5 (5 stars); 5 reviews. Trustpilot page for threeinsurance.com checked 2026-09-29. Five user-posted reviews, one in prior 12 months; small self-selected population, review provenance not independently verified. Period: Displayed 2026-09-29. Checked 2026-09-29. [THREE Reviews | Trustpilot](https://uk.trustpilot.com/review/threeinsurance.com)
- BBB: BBB customer review average 4.8 (5 stars); 265 reviews. BBB profile for THREE by Berkshire Hathaway, customer-review and complaints pages directly rechecked 2026-09-29. The customer-review population includes sales-agent/intermediary interactions and customer purchase/service reports; it is not a verified uniform policyholder or claims-outcome cohort. Average and complaints are distinct populations. BBB says third-party information may not be verified and complaint text may be incomplete. Period: Displayed 2026-09-29. Checked 2026-09-29. [THREE by Berkshire Hathaway customer reviews | BBB](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/customer-reviews?page=1); [THREE by Berkshire Hathaway complaints | BBB](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/three/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/mylo-vs-three/business-owners-policy.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)