Mylo vs USI Insurance Services: How Do They Compare for Medical Malpractice Insurance?

Mylo suits a medical professional comparing carriers, with tail and cyber add-ons; USI Insurance Services suits hospitals and physician groups that want a team to review loss history.

Mylo fits an individual medical professional who wants several carriers' malpractice quotes compared for their specialty, with optional tail and cyber. USI fits hospitals, physician groups and care facilities that want a broker to analyze loss history and restructure a malpractice program. ^1,²

What Are the Key Differences Between Mylo and USI Insurance Services Medical Malpractice Insurance?

Specialty Quote Shopping Versus Facility Programs

Both are brokers. Mylo tailors a policy to your medical specialty and compares quotes from several carriers. USI's Healthcare practice works with hospitals, surgery centers, dialysis clinics, senior care, staffing firms, urgent care and managed care organizations, and can use captives, risk retention groups and purchasing groups instead of a standard policy. Choose Mylo if you are a clinician buying your own cover; choose USI if you run a facility or group large enough to consider self-funding part of the risk. ¹ ²

Plain-Language Policy Choices Versus Loss-History Analysis

Mylo explains the choice you'll face: claims-made cover responds only if the policy is active at both treatment and suit, occurrence cover responds to treatment during the policy period, and tail extends a claims-made policy's reporting window. USI instead sells analysis; it says reviewing 26 years of a 220-physician group's losses produced about $350,000 in negotiated savings and a funding change projected to cut close to $1,000,000 in premium. ¹ ²

Cyber as an Add-On Versus One Healthcare Program

Mylo warns that malpractice alone won't pay for a ransomware attack and can add cyber for patient notification, credit monitoring and regulatory fines. USI places malpractice alongside general liability, D&O, property, workers' comp, EPL, cyber and HIPAA, billing-regulatory cover and bonds. ¹ ²

What Should You Confirm in Mylo and USI Insurance Services Medical Malpractice Insurance Quotes?

Ask Mylo whether each quote is claims-made or occurrence and what tail costs. ¹
Ask USI whether your program would be traditional, captive or RRG-based. ²
Get the issuing insurer and limits from both; neither page lists them. ¹ ²

Mylo vs USI Insurance Services Medical Malpractice Insurance Compared

Mylo vs USI Insurance Services: Medical Malpractice Insurance: documented features by provider

Criteria	Mylo Medical Malpractice Insurance	USI Healthcare Practice — Medical Professional (Malpractice) Liability
Who It’s For	Mylo customizes the policy to the buyer's medical specialty and says coverage can be compared across a range of carriers for the buyer's practice. ¹Company-reported. Medical malpractice product page.	USI's Healthcare practice says it serves hospitals, physicians, surgery centers, dialysis clinics, senior care and assisted-living facilities, residential treatment facilities, permanent and locum tenens staffing companies, urgent care centers and managed care organizations, ranging from regional health systems to individual doctor groups and clinics. ²Company-reported. Company description of client base, not a guaranteed underwriting appetite.
Coverage Features	Mylo says the policy helps defend against lawsuits over medical services, including incorrect diagnosis, failure to diagnose, prescribing the wrong drug or dosage, and treatment or surgical errors. ¹Company-reported. Medical malpractice product page; the issued policy and its exclusions control. Mylo offers claims-made policies (covering a claim only if the policy was active for both the treatment and the lawsuit filing) and occurrence policies (covering a claim if the policy was active when the treatment occurred, even if lapsed by the time of the lawsuit), plus optional tail coverage to extend reporting after a claims-made policy ends. ¹Company-reported. Medical malpractice product page coverage-types section. Mylo says medical malpractice insurance does not cover cyberattacks or ransomware on its own, and that it can add cyber liability coverage for network rebuilding, patient notification, credit monitoring, crisis management and regulatory fines. ¹Company-reported. Medical malpractice product page "What about lawsuits from data breaches?" section; a distinct add-on coverage, not part of the base malpractice policy.	USI lists Medical Professional (Malpractice) Liability alongside related healthcare specialty coverages it places, including healthcare general liability, D&O, healthcare facility property, workers' compensation, employment practices liability, cyber liability and HIPAA privacy, medical billing and governmental regulatory claims coverage, and required bonding. ²Company-reported. Catalogue of practice offerings; specific insuring agreements, exclusions and limits are set by the issued policy.
Role in This Line	Mylo brokers medical malpractice insurance, describing it as professional liability insurance for medical professionals, by comparing quotes from multiple carriers rather than underwriting the policy itself. ¹Company-reported. Medical malpractice product page.	USI is a broker for medical malpractice coverage. Its Healthcare practice advises clients on risk and places medical professional liability coverage rather than underwriting it. ²Company-reported. Healthcare practice page.

Criteria

Mylo Medical Malpractice Insurance

USI Healthcare Practice — Medical Professional (Malpractice) Liability

Who It’s For

Mylo customizes the policy to the buyer's medical specialty and says coverage can be compared across a range of carriers for the buyer's practice. ¹Company-reported. Medical malpractice product page.

USI's Healthcare practice says it serves hospitals, physicians, surgery centers, dialysis clinics, senior care and assisted-living facilities, residential treatment facilities, permanent and locum tenens staffing companies, urgent care centers and managed care organizations, ranging from regional health systems to individual doctor groups and clinics. ²Company-reported. Company description of client base, not a guaranteed underwriting appetite.

Coverage Features

Mylo says the policy helps defend against lawsuits over medical services, including incorrect diagnosis, failure to diagnose, prescribing the wrong drug or dosage, and treatment or surgical errors. ¹Company-reported. Medical malpractice product page; the issued policy and its exclusions control.

Mylo offers claims-made policies (covering a claim only if the policy was active for both the treatment and the lawsuit filing) and occurrence policies (covering a claim if the policy was active when the treatment occurred, even if lapsed by the time of the lawsuit), plus optional tail coverage to extend reporting after a claims-made policy ends. ¹Company-reported. Medical malpractice product page coverage-types section.

Mylo says medical malpractice insurance does not cover cyberattacks or ransomware on its own, and that it can add cyber liability coverage for network rebuilding, patient notification, credit monitoring, crisis management and regulatory fines. ¹Company-reported. Medical malpractice product page "What about lawsuits from data breaches?" section; a distinct add-on coverage, not part of the base malpractice policy.

USI lists Medical Professional (Malpractice) Liability alongside related healthcare specialty coverages it places, including healthcare general liability, D&O, healthcare facility property, workers' compensation, employment practices liability, cyber liability and HIPAA privacy, medical billing and governmental regulatory claims coverage, and required bonding. ²Company-reported. Catalogue of practice offerings; specific insuring agreements, exclusions and limits are set by the issued policy.

Role in This Line

Mylo brokers medical malpractice insurance, describing it as professional liability insurance for medical professionals, by comparing quotes from multiple carriers rather than underwriting the policy itself. ¹Company-reported. Medical malpractice product page.

USI is a broker for medical malpractice coverage. Its Healthcare practice advises clients on risk and places medical professional liability coverage rather than underwriting it. ²Company-reported. Healthcare practice page.