---
title: "Mylo vs USI"
description: "How Mylo’s small-business digital brokerage, now backed by Group 1001, differs from USI’s middle-market technology practice."
canonical: "https://spot.insure/compare/mylo-vs-usi"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Mylo", "USI Insurance Services"]
---

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

# Mylo vs USI

How Mylo’s small-business digital brokerage, now backed by Group 1001, differs from USI’s middle-market technology practice.

## Research Scope and Use

Use this comparison to evaluate Mylo and USI Insurance Services against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

Mylo, LLC is an independent commercial broker that lets small and growing businesses compare quotes online or by phone, naming example carriers such as Travelers, Liberty Mutual, The Hartford, and Hiscox; Group 1001 is its later backer, and a historic Lockton launch does not establish current Lockton ownership. USI is a larger middle-market brokerage and consulting firm that does not publish those carrier names or a self-serve quote. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [2](https://choosemylo.com/our-story "About Mylo") [16](https://www.group1001.com/news/insurtech-mylo-teams-with-gainbridge-to-introduce-gainbridge-protect "Insurtech Mylo Teams With Gainbridge To Introduce Gainbridge Protect") [30](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [28](https://www.usi.com/commissions-fees/ "Commissions and Fees") [22](https://www.usi.com/about-usi "The Power of ONE")



## Introduction

Mylo’s origin story inside Lockton is easy to over-read. Group 1001 is the later backer; that does not make Mylo a Lockton office, and it does not make USI a Lockton peer. For a small company, the live comparison is digital quote comparison with named example carriers versus a consultative technology practice that withholds the panel until a proposal. [2](https://choosemylo.com/our-story "About Mylo") [16](https://www.group1001.com/news/insurtech-mylo-teams-with-gainbridge-to-introduce-gainbridge-protect "Insurtech Mylo Teams With Gainbridge To Introduce Gainbridge Protect") [30](https://www.usi.com/property-casualty/technology/ "Technology Insurance")

## Documented Provider Strengths

### Mylo

- Buyers can shop online or with a licensed advisor; Mylo says it compares available quotes, with an agent finalizing most policies. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [3](https://choosemylo.com/terms-of-use "Terms Of Use") (Evidence: Company-reported; scope: 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.; verified: 2026-09-15.)
- Employers with 2–99 employees can explore group benefits with a licensed advisor and a year-round HR portal. [14](https://choosemylo.com/groupbenefits "Small Group Benefits") (Evidence: Company-reported; scope: Mylo’s small-group benefits service. Plan availability, employer contribution rules, networks and state requirements remain plan-specific.; verified: 2026-09-15.)

### USI Insurance Services

- USI’s Technology practice says it works with software, hardware and related companies from early seed stage through IPO. [22](https://www.usi.com/about-usi "The Power of ONE") [30](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [41](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Company marketing of client types. Not an underwriting appetite or guaranteed acceptance statement.; verified: 2026-09-16.)
- USI says it is customarily paid insurer commissions and may receive additional contingent compensation, with details available on request. [28](https://www.usi.com/commissions-fees/ "Commissions and Fees") (Evidence: Company-reported; scope: USI’s published producer-compensation disclosure. Account-specific amounts require a proposal.; verified: 2026-09-16.)

## Coverage Comparison

| Coverage Type | Mylo | USI Insurance Services |
| --- | --- | --- |
| Business owner’s policy | Listed [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [5](https://choosemylo.com/business/product-business-owners-policy "Business Owner’s Policy") | Not listed |
| Cargo and transit | Not listed | Listed [30](https://www.usi.com/property-casualty/technology/ "Technology Insurance") |
| Commercial auto | Listed [6](https://choosemylo.com/business/product-commercial-auto "Commercial Auto Insurance") | Listed [29](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [31](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| Commercial property | Not listed | Listed [30](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [29](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") |
| Crime | Not listed | Listed [31](https://www.usi.com/property-casualty/business-services/ "Business Services") [37](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") |
| Cyber liability | Listed [8](https://choosemylo.com/business/product-cyber "Cyber Insurance") | Listed [30](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [35](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [29](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") |
| Directors and officers | Not listed | Listed [30](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [31](https://www.usi.com/property-casualty/business-services/ "Business Services") [37](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") |
| Employee health and benefits | Listed [14](https://choosemylo.com/groupbenefits "Small Group Benefits") | Listed [34](https://www.usi.com/employee-benefits "Employee Benefits") [32](https://www.usi.com/property-casualty/private-equity "Private Equity") |
| Employment practices liability | Not listed | Listed [31](https://www.usi.com/property-casualty/business-services/ "Business Services") [37](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") |
| Fiduciary liability | Not listed | Listed [31](https://www.usi.com/property-casualty/business-services/ "Business Services") [37](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") |
| General liability | Listed [7](https://choosemylo.com/business/product-commercial-general-liability "Commercial General Liability Insurance") | Listed [29](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [31](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| Kidnap and ransom | Not listed | Listed [31](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| Management liability | Not listed | Listed [29](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [37](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") |
| Medical malpractice | Listed [9](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") | Listed [33](https://www.usi.com/property-casualty/healthcare/ "Healthcare") |
| Product liability | Not listed | Listed [30](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [29](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") |
| Professional liability / E&O | Listed [10](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") | Listed [31](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| Representations and warranties | Not listed | Listed [32](https://www.usi.com/property-casualty/private-equity "Private Equity") |
| Surety bonds | Listed [11](https://choosemylo.com/business/product-surety-bonds "Surety Bonds") | Listed [33](https://www.usi.com/property-casualty/healthcare/ "Healthcare") |
| Technology errors and omissions | Not listed | Listed [30](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [36](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2023/protect-your-organization-from-increasing-third-party-cyber-exposures/ "Protect Your Organization From Increasing Third-Party Cyber Exposures") |
| Umbrella and excess liability | Listed [12](https://choosemylo.com/business/product-umbrella "Commercial Umbrella Insurance") | Listed [29](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [31](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| Workers’ compensation | Listed [13](https://choosemylo.com/business/product-workers-comp "Workers’ Compensation Insurance") | Listed [29](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [31](https://www.usi.com/property-casualty/business-services/ "Business Services") |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between Mylo and USI

### Ownership and Producer

USI’s live ownership question is the unsigned-to-closed Aon deal. Mylo’s is Group 1001 versus the Lockton memory. Neither event, by itself, rewrites your policy. [16](https://www.group1001.com/news/insurtech-mylo-teams-with-gainbridge-to-introduce-gainbridge-protect "Insurtech Mylo Teams With Gainbridge To Introduce Gainbridge Protect") [41](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform")

### How You Shop

Mylo’s terms still say a purchase is not guaranteed to issue. USI never presents a public purchase button. If you need side-by-side small-commercial indications, Mylo’s documented path is the online one. If you need a specialist cargo and directors and officers submission, USI’s documented path is the practice inbox. [3](https://choosemylo.com/terms-of-use "Terms Of Use") [25](https://www.usi.com/contact-us/ "Contact Us")

### Example Markets

Mylo’s “more than 40” partners and four named examples are not a complete schedule and do not bind those insurers to your class. They do give you brands to ask about. USI requires you to ask without a public hint list. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [35](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe")

### Catalogue, Including Benefits

Both advertise employer benefits in some form: Mylo for 2–99 employee groups with a defined product list; USI as a consulting practice with analytics and pharmacy work. Compare the actual medical quote, not the practice blurbs. Mylo also markets medical malpractice options that are not the center of USI’s Technology page; that missing label is not proof USI cannot place the line. [14](https://choosemylo.com/groupbenefits "Small Group Benefits") [30](https://www.usi.com/property-casualty/technology/ "Technology Insurance")

### What “Free” Means

Mylo says guided shopping is free for most customers because carriers pay commission, with a fee in fewer than 5% of transactions. USI’s default is also insurer-paid commission, plus possible contingents. “Free to you” is not a premium comparison. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [28](https://www.usi.com/commissions-fees/ "Commissions and Fees")

## What to Confirm in Quotes

- Current owner and producer legal names on both proposals. [2](https://choosemylo.com/our-story "About Mylo") [28](https://www.usi.com/commissions-fees/ "Commissions and Fees")
- Whether example carriers Mylo names will actually quote your technology class. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance")
- Benefits census pricing if you are combining P&C and health. [14](https://choosemylo.com/groupbenefits "Small Group Benefits") [34](https://www.usi.com/employee-benefits "Employee Benefits")
- Claims: Mylo often routes service to the insurer’s published contacts; USI splits some lines to its claims consultant. [4](https://choosemylo.com/contact-your-carrier "Contact Your Carrier") [39](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf "Client Emergency Preparedness Claims Kit")



## Service Comparison

Mylo vs USI: documented services and availability.

| Criteria | Mylo | USI Insurance Services |
| --- | --- | --- |
| 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](https://choosemylo.com/business/business-insurance "Small Business Insurance") [2](https://choosemylo.com/our-story "About Mylo") (Evidence: Company-reported; scope: 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.; verified: 2026-09-15.)<br><br>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](https://choosemylo.com/our-story "About Mylo") [16](https://www.group1001.com/news/insurtech-mylo-teams-with-gainbridge-to-introduce-gainbridge-protect "Insurtech Mylo Teams With Gainbridge To Introduce Gainbridge Protect") [17](https://www.bizjournals.com/kansascity/news/2023/05/23/mylo-new-owners-group-1001-guggenheim-lockton.html "Mylo Is No Longer Part Of Lockton") (Evidence: Verified; scope: 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.; verified: 2026-09-15.)<br><br>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](https://choosemylo.com/business/business-insurance "Small Business Insurance") [3](https://choosemylo.com/terms-of-use "Terms Of Use") [18](https://search.sunbiz.org/Inquiry/CorporationSearch/SearchResults?Detail=FL.DOS.Corporations.Shared.Contracts.FilingRecord&InquiryDirectionType=ForwardRecord&InquiryType=EntityName&ListNameOrder=MYLLISEXPRESS+P160000457340&SearchNameOrder=MYLO+F482990&SearchTerm=MYLKATZ+INC. "Mylo, LLC Entity Record") [19](https://www.mass.gov/doc/licensed-p-and-c-agenciespdf/download "Licensed Property And Casualty Agencies") (Evidence: Verified; scope: 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.; verified: 2026-09-15.)<br><br>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](https://choosemylo.com/partner-with-us "Partner With Mylo") [16](https://www.group1001.com/news/insurtech-mylo-teams-with-gainbridge-to-introduce-gainbridge-protect "Insurtech Mylo Teams With Gainbridge To Introduce Gainbridge Protect") (Evidence: Company-reported; scope: Partner-distribution model described by Mylo and Group 1001. The sources do not establish the legal role for every partner implementation.; verified: 2026-09-15.) | USI describes itself as a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, program, and retirement solutions. The reviewed official pages do not identify USI as the insurer that issues commercial policies. [22](https://www.usi.com/about-usi "The Power of ONE") [21](https://www.usi.com/ "Insurance Brokerage and Consulting") [28](https://www.usi.com/commissions-fees/ "Commissions and Fees") [41](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Brand and operating description on current USI about and homepage materials, plus the 31 August 2026 Aon announcement’s About USI text. Role of any affiliate insurer is outside this fact.; verified: 2026-09-16.)<br><br>USI’s commissions page states that, as a licensed insurance producer, it may advise on insurance contracts, sell insurance, and obtain coverages for clients. Privacy and staff materials identify the operating company as USI Insurance Services LLC. Current California producer-license status remains independently unverified. [28](https://www.usi.com/commissions-fees/ "Commissions and Fees") [27](https://www.usi.com/privacy/ "Privacy") [42](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf "USI Insurance Services LLC associate biography (San Francisco)") (Evidence: Company-reported; scope: Producer role as described by USI. Does not verify license class, surplus-lines authority, or appointment status.; verified: 2026-09-16.)<br><br>On 31 August 2026, Aon plc announced a definitive agreement to acquire USI from KKR and other shareholders for a $17.0 billion purchase price, with closing expected in the fourth quarter of 2026 subject to customary conditions including regulatory approvals. Aon stated that Aon and USI will continue to operate independently until the closing date. The reviewed announcement does not establish that the transaction has closed. [41](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Announced transaction status as of the 31 August 2026 release. Does not change a buyer’s existing policy terms by itself.; verified: 2026-09-16.) |
| 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](https://choosemylo.com/business/business-insurance "Small Business Insurance") [3](https://choosemylo.com/terms-of-use "Terms Of Use") (Evidence: Company-reported; scope: 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.; verified: 2026-09-15.)<br><br>Mylo’s Terms of Use say a purchase may carry additional transaction terms, require accurate and complete application answers and is not guaranteed to result in an issued policy. The posted site terms were last updated in November 2018, so buyers should review the current terms presented with a quote. [3](https://choosemylo.com/terms-of-use "Terms Of Use") (Evidence: Company-reported; scope: Website terms, not the full contract for any insurance transaction or insurer policy.; verified: 2026-09-15.) | USI does not publish a self-serve commercial quote flow on the reviewed pages. Technology and P&C inquiries are directed to pcinquiries@usi.com or a local office. The contact page includes a website message box that USI warns is not secured in transit and should not be used for sensitive information. Small- and medium-sized management-liability inquiries are also directed to Select.Business@usi.com. No public binding timetable or online eligibility tool was found. [30](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [29](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [25](https://www.usi.com/contact-us/ "Contact Us") [37](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Public inquiry paths as of access date. Not an application completeness or speed claim.; verified: 2026-09-16.) |
| Access to insurers | Mylo says its commercial brokerage works with more than 40 carrier partners and names Travelers, Liberty Mutual, The Hartford and Hiscox as examples. That panel does not establish which insurers will consider or quote a particular business. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [4](https://choosemylo.com/contact-your-carrier "Contact Your Carrier") (Evidence: Company-reported; scope: Company-described commercial carrier panel. No account-specific market submission or insurer response was reviewed.; verified: 2026-09-15.)<br><br>Mylo’s public pages do not provide a complete product-and-state schedule of issuing insurers. The carrier contact directory names companies used for some customers, but the legal insurer for each proposed policy must be confirmed in the quote and policy documents. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [4](https://choosemylo.com/contact-your-carrier "Contact Your Carrier") [3](https://choosemylo.com/terms-of-use "Terms Of Use") (Evidence: Not found in reviewed sources; scope: Commercial products and carrier materials publicly reviewed on 15 September 2026. A missing public schedule does not mean a carrier relationship is unavailable.; verified: 2026-09-15.) | USI’s reviewed product and PrivaSafe pages do not name the insurers that issue its commercial, technology, or cyber placements. Privacy materials say USI may disclose personal information to third-party insurance carriers as needed to provide insurance services. A 2021 claims kit lists many insurer claim-reporting contacts for clients who already have those carriers; that directory is not a current placement panel or underwriting list. [35](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [30](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [29](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [27](https://www.usi.com/privacy/ "Privacy") [39](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf "Client Emergency Preparedness Claims Kit") (Evidence: Not publicly disclosed; scope: Contracting insurers for USI-brokered commercial programs remain undisclosed on the reviewed marketing pages.; verified: 2026-09-16.) |
| Coverage lines | Mylo’s current commercial catalogue lists business owner’s policies, commercial auto, general liability, cyber, medical malpractice, professional liability, surety bonds, commercial umbrella and workers’ compensation. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [5](https://choosemylo.com/business/product-business-owners-policy "Business Owner’s Policy") [6](https://choosemylo.com/business/product-commercial-auto "Commercial Auto Insurance") [7](https://choosemylo.com/business/product-commercial-general-liability "Commercial General Liability Insurance") [8](https://choosemylo.com/business/product-cyber "Cyber Insurance") [9](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") [10](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") [11](https://choosemylo.com/business/product-surety-bonds "Surety Bonds") [12](https://choosemylo.com/business/product-umbrella "Commercial Umbrella Insurance") [13](https://choosemylo.com/business/product-workers-comp "Workers’ Compensation Insurance") (Evidence: Company-reported; scope: Directly marketed commercial offerings in the current website navigation and product pages. Commercial property is described as a BOP component, not a separately marketed product; non-owned auto is described as an optional commercial-auto component.; verified: 2026-09-15.)<br><br>Mylo describes a business owner’s policy as combining general liability, commercial property and business-interruption coverage. The actual causes of loss, property, locations, limits and interruption period depend on the offered policy. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [5](https://choosemylo.com/business/product-business-owners-policy "Business Owner’s Policy") (Evidence: Company-reported; scope: Mylo’s general BOP description, not a specimen policy or statement that every applicant receives all described terms.; verified: 2026-09-15.)<br><br>Mylo’s commercial-auto page describes bodily-injury and property-damage liability, with collision, comprehensive and non-owned-auto coverage as possible components depending on the business and vehicles. [6](https://choosemylo.com/business/product-commercial-auto "Commercial Auto Insurance") (Evidence: Company-reported; scope: General product description. It does not establish state eligibility, required limits or the options included in a buyer’s quote.; verified: 2026-09-15.)<br><br>For medical professionals, Mylo markets claims-made and occurrence malpractice policies and says tail coverage can extend reporting under a claims-made policy. Its page treats cyber liability as separate coverage to add rather than a protection supplied by malpractice insurance alone. [9](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: Company-described medical-malpractice and cyber options. The page is not policy wording and does not identify the available insurer, state, specialty or tail period.; verified: 2026-09-15.)<br><br>Mylo markets small-group benefits to employers with 2–99 employees, including health, dental, vision, life, disability, accident and critical-illness options. It describes online or phone enrollment, a year-round HR portal and help from a licensed benefits advisor. [14](https://choosemylo.com/groupbenefits "Small Group Benefits") (Evidence: Company-reported; scope: Mylo’s small-group benefits service. Plan availability, employer contribution rules, networks and state requirements remain plan-specific.; verified: 2026-09-15.)<br><br>The reviewed public product pages do not provide current specimen policies, endorsements or a complete schedule of limits, deductibles, exclusions and state variations. Those terms must be checked in the actual quote and policy forms. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [9](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") [3](https://choosemylo.com/terms-of-use "Terms Of Use") (Evidence: Not found in reviewed sources; scope: Public commercial product and legal pages reviewed on 15 September 2026. Not finding public forms does not mean Mylo cannot provide them during a transaction.; verified: 2026-09-15.) | USI’s Technology practice lists insurance placement for property; business income and contingent business income; worldwide cargo and stock; errors and omissions; product liability; directors and officers liability; network security / USI PrivaSafe; and international. Those labels describe brokerage services. Limits, exclusions, insurer, and whether a given startup qualifies remain in a quote and policy. [30](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [35](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: Technology practice product list on usi.com as of access date. International is listed as a service theme, not a shared coverage-line key.; verified: 2026-09-16.)<br><br>USI’s commercial property and casualty pages describe advice and placement on workers’ compensation, property, general liability, auto liability, umbrella/excess, executive and professional risks, cyber, environmental, product liability, and related claims and risk-control services. Other industry pages add employment practices, crime, fiduciary, professional E&O, kidnap and ransom, representations and warranties, medical professional (malpractice) liability, and required bonding in the healthcare practice. Availability and wording vary by client, insurer, and jurisdiction. [29](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [31](https://www.usi.com/property-casualty/business-services/ "Business Services") [32](https://www.usi.com/property-casualty/private-equity "Private Equity") [33](https://www.usi.com/property-casualty/healthcare/ "Healthcare") [37](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Catalogue of marketed brokerage lines from current official practice pages. Environmental and international labels are not mapped to separate shared coverage keys.; verified: 2026-09-16.)<br><br>USI’s employee-benefits practice describes consulting to design, price, and administer employer benefit programs, including underwriting analytics, HR administration support, population health, compliance/healthcare reform guidance, pharmacy and ancillary consulting. The private-equity practice separately lists employee health and welfare insurance services after a transaction. These pages describe consulting and placement services, not a specific insured health plan or carrier. [34](https://www.usi.com/employee-benefits "Employee Benefits") [32](https://www.usi.com/property-casualty/private-equity "Private Equity") (Evidence: Company-reported; scope: Employer-sponsored benefits brokerage/consulting. Not individual health insurance.; verified: 2026-09-16.) |
| Fees and compensation | Mylo says its guided shopping service is free and that 95% of customers do not pay Mylo a fee when purchasing. It generally earns a carrier commission; in fewer than 5% of transactions, it says it charges a fee when it handles billing and incurs higher administrative costs. The reviewed disclosure does not give the fee amount. [2](https://choosemylo.com/our-story "About Mylo") (Evidence: Company-reported; scope: Company-wide consumer disclosure on Mylo’s About page. It does not identify the commission or fee for a specific commercial placement.; verified: 2026-09-15.) | Unless otherwise negotiated, USI says compensation for placing coverage is customarily a commission calculated as a percentage of premium and paid by the insurer. It may also receive additional monetary and non-monetary compensation from insurers or intermediaries (including affiliates), which can be contingent on volume, profitability, or other factors, and some agreements include growth or distribution incentives. Clients may request the nature and source of expected compensation, including on alternative quotes. Standard commission percentages and fee schedules for startup accounts are not published. [28](https://www.usi.com/commissions-fees/ "Commissions and Fees") (Evidence: Company-reported; scope: USI’s published producer-compensation disclosure. Account-specific amounts require a proposal.; verified: 2026-09-16.) |

## Related Reading

- [What Is Mylo Insurance?](https://spot.insure/insurance-providers/mylo)
- [What Is USI Insurance Services?](https://spot.insure/insurance-providers/usi)

## Related Comparisons

- [Alliance Risk vs Mylo](https://spot.insure/compare/alliance-risk-vs-mylo)
- [Alliance Risk vs USI](https://spot.insure/compare/alliance-risk-vs-usi)
- [Amelia Risk vs Mylo](https://spot.insure/compare/amelia-risk-vs-mylo)
- [Amelia Risk vs USI](https://spot.insure/compare/amelia-risk-vs-usi)
- [Armilla vs Mylo](https://spot.insure/compare/armilla-vs-mylo)
- [Armilla vs USI](https://spot.insure/compare/armilla-vs-usi)
- [At-Bay vs Mylo Insurance](https://spot.insure/compare/at-bay-vs-mylo)
- [At-Bay vs USI Insurance Services Insurance](https://spot.insure/compare/at-bay-vs-usi)
- [Beazley vs Mylo](https://spot.insure/compare/beazley-vs-mylo)
- [Beazley vs USI](https://spot.insure/compare/beazley-vs-usi)
- [CFC vs Mylo](https://spot.insure/compare/cfc-vs-mylo)
- [CFC vs USI Insurance Services](https://spot.insure/compare/cfc-vs-usi)
- [Chubb vs Mylo](https://spot.insure/compare/chubb-vs-mylo)
- [Chubb vs USI](https://spot.insure/compare/chubb-vs-usi)
- [Coalition vs Mylo](https://spot.insure/compare/coalition-vs-mylo)
- [Coalition vs USI Insurance Services](https://spot.insure/compare/coalition-vs-usi)
- [Corgi vs Mylo](https://spot.insure/compare/corgi-vs-mylo)
- [Corgi vs USI](https://spot.insure/compare/corgi-vs-usi)
- [Coterie Insurance vs Mylo](https://spot.insure/compare/coterie-vs-mylo)
- [Coterie vs USI](https://spot.insure/compare/coterie-vs-usi)
- [Coverdash vs Mylo](https://spot.insure/compare/coverdash-vs-mylo)
- [Coverdash vs USI](https://spot.insure/compare/coverdash-vs-usi)
- [Cowbell vs Mylo](https://spot.insure/compare/cowbell-vs-mylo)
- [Cowbell vs USI](https://spot.insure/compare/cowbell-vs-usi)
- [Embroker vs Mylo](https://spot.insure/compare/embroker-vs-mylo)
- [Embroker vs USI](https://spot.insure/compare/embroker-vs-usi)
- [Founder Shield vs Mylo](https://spot.insure/compare/foundershield-vs-mylo)
- [Founder Shield vs USI](https://spot.insure/compare/foundershield-vs-usi)
- [Gallagher vs Mylo](https://spot.insure/compare/gallagher-vs-mylo)
- [Gallagher vs USI Insurance Services](https://spot.insure/compare/gallagher-vs-usi)
- [Harper vs Mylo](https://spot.insure/compare/harper-vs-mylo)
- [Harper vs USI](https://spot.insure/compare/harper-vs-usi)
- [Heffernan vs Mylo](https://spot.insure/compare/heffernan-vs-mylo)
- [Heffernan vs USI](https://spot.insure/compare/heffernan-vs-usi)
- [Hiscox vs Mylo](https://spot.insure/compare/hiscox-vs-mylo)
- [Hiscox vs USI](https://spot.insure/compare/hiscox-vs-usi)
- [HUB International vs Mylo](https://spot.insure/compare/hub-international-vs-mylo)
- [HUB International vs USI](https://spot.insure/compare/hub-international-vs-usi)
- [Kinro vs Mylo](https://spot.insure/compare/kinro-vs-mylo)
- [Kinro vs USI](https://spot.insure/compare/kinro-vs-usi)
- [Layr vs Mylo](https://spot.insure/compare/layr-vs-mylo)
- [Layr vs USI](https://spot.insure/compare/layr-vs-usi)
- [Lockton vs Mylo](https://spot.insure/compare/lockton-vs-mylo)
- [Lockton vs USI](https://spot.insure/compare/lockton-vs-usi)
- [Marsh vs Mylo](https://spot.insure/compare/marsh-vs-mylo)
- [Marsh vs USI](https://spot.insure/compare/marsh-vs-usi)
- [Mylo vs Newfront](https://spot.insure/compare/mylo-vs-newfront)
- [Mylo vs ERGO NEXT Insurance](https://spot.insure/compare/mylo-vs-next-insurance)
- [Mylo vs Pie Insurance](https://spot.insure/compare/mylo-vs-pie-insurance)
- [Mylo vs Relm Insurance](https://spot.insure/compare/mylo-vs-relm)
- [Mylo vs Resilience](https://spot.insure/compare/mylo-vs-resilience)
- [Mylo vs RiskCube](https://spot.insure/compare/mylo-vs-riskcube)
- [Mylo vs Risklytics Insurance](https://spot.insure/compare/mylo-vs-risklytics)
- [Mylo vs StartupInsurance.ai](https://spot.insure/compare/mylo-vs-startupinsurance)
- [Mylo vs TechInsurance](https://spot.insure/compare/mylo-vs-techinsurance)
- [Mylo vs The Hartford](https://spot.insure/compare/mylo-vs-the-hartford)
- [Mylo vs Travelers Insurance](https://spot.insure/compare/mylo-vs-travelers)
- [Mylo vs Vouch](https://spot.insure/compare/mylo-vs-vouch)
- [Mylo vs WithCoverage](https://spot.insure/compare/mylo-vs-withcoverage)
- [Newfront vs USI](https://spot.insure/compare/newfront-vs-usi)
- [ERGO NEXT vs USI](https://spot.insure/compare/next-insurance-vs-usi)
- [Pie Insurance vs USI](https://spot.insure/compare/pie-insurance-vs-usi)
- [Relm vs USI](https://spot.insure/compare/relm-vs-usi)
- [Resilience vs USI](https://spot.insure/compare/resilience-vs-usi)
- [RiskCube vs USI Insurance Services](https://spot.insure/compare/riskcube-vs-usi)
- [Risklytics vs USI](https://spot.insure/compare/risklytics-vs-usi)
- [StartupInsurance.ai vs USI](https://spot.insure/compare/startupinsurance-vs-usi)
- [TechInsurance vs USI Insurance Services](https://spot.insure/compare/techinsurance-vs-usi)
- [The Hartford vs USI](https://spot.insure/compare/the-hartford-vs-usi)
- [Travelers vs USI](https://spot.insure/compare/travelers-vs-usi)
- [USI vs Vouch](https://spot.insure/compare/usi-vs-vouch)
- [USI vs WithCoverage](https://spot.insure/compare/usi-vs-withcoverage)

## Sources

### [Mylo Official Website](https://choosemylo.com/)

1. [Small Business Insurance](https://choosemylo.com/business/business-insurance). Mylo; Hero; What Insurance Does A Small Business Need; Business Insurance FAQs; current commercial-product navigation; footer legal disclosure. Accessed 2026-09-15.
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. [Terms Of Use](https://choosemylo.com/terms-of-use). Mylo; Effective 21 February 2017; updated 19 November 2018; introduction; §§1.2 and 6.1–6.5. Accessed 2026-09-15.
4. [Contact Your Carrier](https://choosemylo.com/contact-your-carrier). Mylo; Carrier contact instructions; business-insurance support and claims entries; Mylo Service Professional fallback. Accessed 2026-09-15.
5. [Business Owner’s Policy](https://choosemylo.com/business/product-business-owners-policy). Mylo; Current product page and Get My Quote call to action; related business-product navigation. Accessed 2026-09-15.
6. [Commercial Auto Insurance](https://choosemylo.com/business/product-commercial-auto). Mylo; Commercial Auto Savings For A Business On The Move; What Commercial Auto Insurance Do I Need; FAQs. Accessed 2026-09-15.
7. [Commercial General Liability Insurance](https://choosemylo.com/business/product-commercial-general-liability). Mylo; Current commercial product page and related business-product navigation. Accessed 2026-09-15.
8. [Cyber Insurance](https://choosemylo.com/business/product-cyber). Mylo; Current commercial product page; Think You Don’t Need Cyber Insurance; related business-product navigation. Accessed 2026-09-15.
9. [Medical Malpractice Insurance](https://choosemylo.com/medical-malpractice). Mylo; Medical Malpractice Insurance Is Professional Liability; What Types Of Coverage Are Available; cyber section; FAQs. Accessed 2026-09-15.
10. [Professional Liability Insurance](https://choosemylo.com/business/product-professional-liability). Mylo; Current commercial product page; Professional Liability? But I Do Good Work; related business-product navigation. Accessed 2026-09-15.
11. [Surety Bonds](https://choosemylo.com/business/product-surety-bonds). Mylo; Surety Bonds Show You Mean Business; How Does A Surety Bond Work; quote calls to action; FAQs. Accessed 2026-09-15.
12. [Commercial Umbrella Insurance](https://choosemylo.com/business/product-umbrella). Mylo; Current commercial product page and related business-product navigation. Accessed 2026-09-15.
13. [Workers’ Compensation Insurance](https://choosemylo.com/business/product-workers-comp). Mylo; Current commercial product page; Workers’ Comp? What’s In It For Me; related business-product navigation. Accessed 2026-09-15.
14. [Small Group Benefits](https://choosemylo.com/groupbenefits). Mylo; Hero for employers with 2–99 employees; benefit categories; enrollment, HR portal and licensed-advisor service. Accessed 2026-09-15.
15. [Partner With Mylo](https://choosemylo.com/partner-with-us). Mylo; Insurance-agency and other-industry paths; embedded offering categories; carrier statement; demo request. Accessed 2026-09-15.
16. [Insurtech Mylo Teams With Gainbridge To Introduce Gainbridge Protect](https://www.group1001.com/news/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.
17. [Mylo Is No Longer Part Of Lockton](https://www.bizjournals.com/kansascity/news/2023/05/23/mylo-new-owners-group-1001-guggenheim-lockton.html). Kansas City Business Journal; Headline and article preview; 23 May 2023; prior minority investor described as new majority investor. Accessed 2026-09-15.
18. [Mylo, LLC Entity Record](https://search.sunbiz.org/Inquiry/CorporationSearch/SearchResults?Detail=FL.DOS.Corporations.Shared.Contracts.FilingRecord&InquiryDirectionType=ForwardRecord&InquiryType=EntityName&ListNameOrder=MYLLISEXPRESS+P160000457340&SearchNameOrder=MYLO+F482990&SearchTerm=MYLKATZ+INC.). Florida Department of State, Division of Corporations; Document M17000007667; foreign Missouri LLC; active; 2026 annual report filed 30 April 2026. Corporate registration, not an insurance license. Accessed 2026-09-15.
19. [Licensed Property And Casualty Agencies](https://www.mass.gov/doc/licensed-p-and-c-agenciespdf/download). Massachusetts Division of Insurance; Page 114; Mylo, LLC; NPN 18590034; original approval 29 November 2017; renewal 29 November 2026. Official PDF was available in search indexing; direct download returned an access block from this workspace. Accessed 2026-09-15.
20. [Licensed Surplus Lines Broker Agencies](https://www.mass.gov/doc/licensed-surplus-lines-brokers-agenciespdf-0/download). Massachusetts Division of Insurance; Mylo, LLC; NPN 18590034; original approval 20 December 2017; renewal 20 December 2026. Official PDF was available in search indexing; direct download returned an access block from this workspace. Accessed 2026-09-15.

### [USI Insurance Services Official Website](https://www.usi.com)

21. [Insurance Brokerage and Consulting](https://www.usi.com/). USI Insurance Services; Practice tiles for property and casualty, employee benefit consulting, personal risk, PATH, and Valhalla headquarters footer. Accessed 2026-09-16.
22. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
23. [The USI ONE Advantage](https://www.usi.com/about-usi/the-power-of-one/the-usi-one-advantage/). USI Insurance Services; Omni, Network, and Enterprise planning process description. Accessed 2026-09-16.
24. [Find a USI office near you](https://www.usi.com/about-usi/locations). USI Insurance Services; More than 10,000 professionals, over 200 U.S. offices, serving every state. Accessed 2026-09-16.
25. [Contact Us](https://www.usi.com/contact-us/). USI Insurance Services; Unsecured website message note, Valhalla corporate office, claims-assistance instruction to contact a USI office. Accessed 2026-09-16.
26. [Disclaimer](https://www.usi.com/disclaimer/). USI Insurance Services; General-information disclaimer and no-warranty language. Accessed 2026-09-16.
27. [Privacy](https://www.usi.com/privacy/). USI Insurance Services; Privacy notice identifying USI Insurance Services, California appendix, and disclosure of personal information to insurance carriers as needed to provide services. Accessed 2026-09-16.
28. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
29. [P&C Insurance and Risk Consulting](https://www.usi.com/property-casualty). USI Insurance Services; Listed P&C risk exposures, claim advocates, and pcinquiries@usi.com contact. Accessed 2026-09-16.
30. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
31. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; Listed coverage solutions including D&O, EPL, crime, fiduciary, E&O, cyber, kidnap and ransom, and claim advocacy. Accessed 2026-09-16.
32. [Private Equity](https://www.usi.com/property-casualty/private-equity). USI Insurance Services; Representations and warranties insurance, employee benefits due diligence, and post-close P&C and benefits servicing. Accessed 2026-09-16.
33. [Healthcare](https://www.usi.com/property-casualty/healthcare/). USI Insurance Services; Medical professional (malpractice) liability, required bonding, and other listed healthcare specialty coverages. Accessed 2026-09-16.
34. [Employee Benefits](https://www.usi.com/employee-benefits). USI Insurance Services; Employer benefit consulting services and EBsolutions@usi.com contact. Accessed 2026-09-16.
35. [USI Exclusive PrivaSafe](https://ucontent.usi.com/solution-insights/privasafe/). USI Insurance Services; Manuscripted cyber and privacy program description; no contracting insurer named. Accessed 2026-09-16.
36. [Protect Your Organization From Increasing Third-Party Cyber Exposures](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2023/protect-your-organization-from-increasing-third-party-cyber-exposures/). USI Insurance Services; PrivaSafe risk-transfer description and review of existing cyber and technology E&O policies before marketing. Accessed 2026-09-16.
37. [Protect Your Company and Personal Assets From Management Liability Risks](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/). USI Insurance Services; ExecuSafe program for D&O and management liability, including EPL, fiduciary, and crime; Select.Business@usi.com. Accessed 2026-09-16.
38. [Reduce Claims and Costs by Optimizing Your Risk Control](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2024/reduce-claims-and-costs-by-optimizing-your-risk-control/). USI Insurance Services; USI PATH proprietary risk-control platform description. Accessed 2026-09-16.
39. [Client Emergency Preparedness Claims Kit](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf). USI Insurance Services; Updated May 2021 claims-reporting table directing some lines to the insurer and executive, professional, and cyber lines to the USI account team or claims consultant. Accessed 2026-09-16.
40. [Natural Disaster Planning](https://www.usi.com/natural-disaster-planning). USI Insurance Services; Commercial P&C claims contact via client service team or local office; Select/Small Commercial contacts. Accessed 2026-09-16.
41. [Aon to acquire USI to establish the premier U.S. middle-market platform](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html). Aon plc via PR Newswire; 31 August 2026 announcement; independent operation until expected Q4 2026 close; About USI description. Accessed 2026-09-16.
42. [USI Insurance Services LLC associate biography (San Francisco)](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf). USI Insurance Services; Letterhead naming USI Insurance Services LLC, 575 Market St Suite 3750 San Francisco, CA, and CA DOI License # 0G11911. Accessed 2026-09-16.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/mylo-vs-usi.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)