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. 1,2
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. 4,5
Read the THREE by Berkshire Hathaway profile
Read the THREE by Berkshire Hathaway General Liability Insurance page
What Is General Liability Insurance?
General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. 7,8,9
Key Differences in General Liability Insurance
Carrier Comparison and Packaging
Mylo says it brokers general liability by comparing quotes from multiple carriers and can sell it standalone or package it with property and business-interruption coverage in a BOP. THREE presents GL as a component of its combined Business Owners Policy. A buyer can compare Mylo's stated multi-carrier approach with the specific insurer and other lines THREE includes in its package quote. 3 6
Occurrence Trigger and Completed Operations
Mylo says its GL coverage is triggered by the date an incident occurs, not when a lawsuit is filed, and includes completed operations for problems arising after work at a client location is finished. THREE's reviewed record lists general liability without specifying a trigger or completed-work wording. Contractors should compare the policy period that responds and the scope of completed operations, especially for claims reported after a project ends. 3 6
What the Coverage Addresses
Mylo describes third-party bodily injury, property damage and personal or advertising injury, including alleged copyright or slogan infringement. THREE names the line in its package but does not enumerate comparable claims in the reviewed material. Request the actual insuring agreement, per-occurrence limit and annual aggregate from both proposals to see how each addresses the business's products and advertising. 3 6
What to Confirm in General Liability Insurance Quotes
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 reviewsOffering Details
Mylo vs THREE by Berkshire Hathaway: General Liability Insurance: documented features by provider
| Criteria | Mylo Commercial General Liability Insurance | THREE Business Owners Policy |
|---|---|---|
| Role in This Line | Mylo brokers general liability insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. 3Company-reported. General liability product page. | THREE presents General Liability as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. 6Company-reported. 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 general liability product page does not name the insurer that would issue a given business's policy. 3Not publicly disclosed. Checked the general liability product page on 2026-09-23. | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. 5Company-reported. 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 | Confirm in your quote. | The reviewed product page does not state separate eligibility rules for General Liability; the general quote and advisor route is not proof that a particular business qualifies for it. 6,4Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms. |
| Coverage Features | Mylo describes general liability as covering third-party bodily injury, property damage, and personal and advertising injury claims, spanning three categories: continuing operations (regular business work), products and completed operations (products sold or finished jobs), and advertising claims such as alleged copyright or slogan infringement. 3Company-reported. General liability product page; the issued policy and its exclusions control. Mylo says general liability coverage is triggered by the date the incident occurred, not the date a lawsuit is filed, and that the policy has a per-occurrence payout limit and a total annual payout limit. 3Company-reported. General liability product page FAQ; specific limit amounts are not stated and depend on the issued policy. Mylo says general liability coverage extends to work performed at a client's location, including "completed operations" coverage for problems that arise after a job is finished. 3Company-reported. General liability product page FAQ. Mylo says it can package general liability with commercial property and business interruption coverage into a Business Owner's Policy to save money, in addition to selling it as a standalone policy. 3Company-reported. General liability product page. | THREE's Business Owners Policy page lists General Liability 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. 6,5Company-reported. Official THREE package marketing for General Liability. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy. |
| Limits and Retentions | Confirm in your quote. | The reviewed public product page does not state a separate limit or deductible for General Liability; THREE says the quote-specific insurance summary lists limits and deductibles. 6,5Not publicly disclosed. 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 and compares quotes from top business insurance carriers to find the best value for general liability. 3Company-reported. General liability product page "How will Mylo find me the right general liability?" section. | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. 4Company-reported. This is the route for the overall THREE product. It does not show whether General Liability will be offered for a particular business or whether a customer can bind that line without an issued policy. |
Full Comparison
More Mylo vs THREE by Berkshire Hathaway Comparisons
Other General Liability 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.
- Commercial General Liability Insurance. Mylo; Why general liability?; Can your business afford a lawsuit or medical bill? (continuing operations, products and completed operations, personal and advertising injury); General liability FAQs; How will Mylo find me the right general liability? Accessed 2026-09-23.
THREE by Berkshire Hathaway
- Jargon-free small business insurance - THREE by Berkshire Hathaway. 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.
- The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway. 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.
- Business Owners Policy - THREE by Berkshire Hathaway. 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.
General Liability Insurance Guide
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
- Commercial General Liability Coverage Form. ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16.
