---
title: "Mylo vs THREE by Berkshire Hathaway: Commercial Auto Insurance"
description: "Mylo discusses non-owned auto for employee errands and compares carrier quotes, while THREE lists Business Auto within its combined BOP."
canonical: "https://spot.insure/compare/mylo-vs-three/commercial-auto"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "mylo-vs-three"
provider-a: "mylo"
provider-b: "three"
coverage-line: "commercial-auto"
---

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[Human-readable page](https://spot.insure/compare/mylo-vs-three/commercial-auto)

## Agent Guide

**What this page is:** Focused comparison of Mylo and THREE by Berkshire Hathaway 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 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 Commercial Auto Insurance: how do they differ?
- Which is better for Commercial Auto Insurance, Mylo or THREE by Berkshire Hathaway?
- What does Mylo or THREE by Berkshire Hathaway publish about Commercial Auto Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Commercial Auto Insurance from Mylo or THREE by Berkshire Hathaway?

**Key facts:**
- Line: Commercial Auto Insurance. 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
- [Commercial Auto Insurance guide](https://spot.insure/coverage/commercial-auto) — 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 Business Owner’s Policy](https://spot.insure/compare/mylo-vs-three/business-owners-policy) — 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)
- [AIG vs Mylo Commercial Auto Insurance](https://spot.insure/compare/aig-vs-mylo/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/aig-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Mylo Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-mylo/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Aon vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/aon-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Mylo Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-mylo/commercial-auto) — sibling comparison (other line, or other pair for this line)

# Mylo vs THREE by Berkshire Hathaway: How Do They Compare for Commercial Auto Insurance?

Mylo discusses non-owned auto for employee errands and compares carrier quotes, while THREE lists Business Auto within its combined BOP.

## Research Scope and Use

Use this comparison to evaluate Mylo and THREE by Berkshire Hathaway for Commercial Auto Insurance 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 brokers commercial auto and recommends non-owned auto when employees use personal vehicles for work. THREE lists Business Auto in its BOP and directs prospects to an online quote with advisor support. [3](https://choosemylo.com/business/product-commercial-auto "Commercial Auto") [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 "Small 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 Commercial Auto Insurance?

Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. [7](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [8](https://content.naic.org/insurance-topics/auto-insurance "Auto Insurance") [9](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/business-vehicle-insurance "Business Vehicle Insurance") [10](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form")

## Key Differences in Commercial Auto Insurance

### Employee-owned vehicles

Mylo recommends non-owned auto when employees drive personal vehicles for work and notes that a business can face liability even when a work errand is combined with a personal stop. It describes commercial auto as a brokered placement that can include liability and optional collision, comprehensive, and non-owned-auto coverage. THREE lists Business Auto within its BOP but does not mention employee-owned vehicles. If staff drive their own cars, ask for the specific HNOA endorsement and which work uses it covers. [3](https://choosemylo.com/business/product-commercial-auto "Commercial Auto") [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Quote comparison and package placement

Mylo says it compares carrier offers and customizes recommendations; it may bundle commercial auto with personal auto or home insurance. THREE provides an online quote with licensed advisor help, while its product description frames Business Auto as part of the package. Ask both to name the insurer and show vehicle limits, and request any bundled discount separately from the auto premium. [3](https://choosemylo.com/business/product-commercial-auto "Commercial Auto") [4](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

## What to Confirm in Commercial Auto Insurance Quotes

- Ask Mylo which carrier, HNOA endorsement, and employee uses apply. [3](https://choosemylo.com/business/product-commercial-auto "Commercial Auto")
- Ask THREE whether its Business Auto covers personal vehicles used for work and identify limits. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")
- Compare carrier names and any bundling discount. [3](https://choosemylo.com/business/product-commercial-auto "Commercial Auto") [4](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

## Offering Details

| Criteria | Mylo Commercial Auto Insurance | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Mylo brokers commercial auto insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. [3](https://choosemylo.com/business/product-commercial-auto "Commercial Auto") (Evidence: Company-reported; scope: Commercial auto product page..) | THREE presents Business Auto as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. [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 | The commercial auto product page does not name the insurer that would issue a given business's policy. [3](https://choosemylo.com/business/product-commercial-auto "Commercial Auto") (Evidence: Not publicly disclosed; scope: Checked the commercial auto product page on 2026-09-23..) | 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 says all states require commercial auto liability coverage for any business that owns or leases vehicles used on the job. [3](https://choosemylo.com/business/product-commercial-auto "Commercial Auto") (Evidence: Company-reported; scope: Commercial auto product page..) | The reviewed product page does not state separate eligibility rules for Business Auto; 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 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. [3](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..)<br><br>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. [3](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..) | THREE's Business Owners Policy page lists Business Auto among its marketed coverage categories in the combined policy. This describes the product page, not whether the category appears in a particular quote or responds to a loss. [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: Official THREE package marketing for Business Auto. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy..) |
| Limits and Retentions | The commercial auto product page does not publish specific liability limits, deductibles or premium ranges. [3](https://choosemylo.com/business/product-commercial-auto "Commercial Auto") (Evidence: Not publicly disclosed; scope: Checked the commercial auto product page on 2026-09-23..) | The reviewed public product page does not state a separate limit or deductible for Business Auto; 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 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. [3](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..) | 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 Auto 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 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 vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/mylo-vs-three/business-owners-policy)
- [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)
- [AIG vs Mylo Commercial Auto Insurance](https://spot.insure/compare/aig-vs-mylo/commercial-auto)
- [AIG vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/aig-vs-three/commercial-auto)
- [Alliance Risk vs Mylo Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-mylo/commercial-auto)
- [Alliance Risk vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-auto)
- [Aon vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/aon-vs-three/commercial-auto)
- [The Baldwin Group vs Mylo Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-mylo/commercial-auto)

## Sources

### Mylo

1. [Small Business Insurance](https://choosemylo.com/business/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.
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. [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.

### 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.

### Commercial Auto Insurance Guide

7. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Automobile: Coverage, Classification and Limits. Accessed 2026-09-16.
8. [Auto Insurance](https://content.naic.org/insurance-topics/auto-insurance). NAIC; Coverages. Accessed 2026-09-16.
9. [Business Vehicle Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/business-vehicle-insurance). Insurance Information Institute; Will My Personal Auto Policy Cover Business Use?; What Vehicles Are Covered?; What Coverage Do I Need if Employees Drive Their Personal Vehicles for Business?; Does a Business Umbrella Cover Autos?; Do I Need a Business Auto Policy?; Be Sure the Right Insured Is on the Policy. Accessed 2026-09-16.
10. [Business Auto Coverage Form](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf). Insurance Services Office, Inc.; hosted by National General; I.A, printed/PDF page 1; II.A.1, printed/PDF page 2; III.C–D, printed/PDF page 6; II.B.6, printed/PDF page 3; III.B.3, printed/PDF page 6. 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/commercial-auto.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)