---
title: "Mylo vs USI Insurance Services Medical Malpractice Insurance"
description: "Mylo compares claims-made and occurrence quotes and can add cyber; USI places hospital and group malpractice and cites a 26-year loss-history case study."
canonical: "https://spot.insure/compare/mylo-vs-usi/medical-malpractice"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Mylo vs USI Insurance Services Medical Malpractice Insurance

Mylo compares claims-made and occurrence quotes and can add cyber; USI places hospital and group malpractice and cites a 26-year loss-history case study.

## Research Scope and Use

Use this comparison to evaluate Mylo and USI Insurance Services for Medical Malpractice 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 medical malpractice by comparing carriers, explaining claims-made versus occurrence and optional tail, and adding cyber separately. USI’s Healthcare practice places medical professional liability for hospitals through doctor groups, can use captives and RRGs, and cites a 220-physician malpractice loss-history review. [3](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") [7](https://www.usi.com/property-casualty/healthcare/ "Healthcare")

## What Is Mylo Insurance?

Mylo is an independent insurance broker for small and growing businesses. It recommends coverage and compares available quotes from multiple carriers online or with a licensed advisor; the insurer named on the resulting policy provides the coverage. [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)

## What Is USI Insurance Services?

USI Insurance Services is a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, and retirement programs. Its Technology practice says it works with software, hardware, and related companies from early seed stage through IPO, using a consultative process rather than a published self-serve quote. [4](https://www.usi.com/about-usi "The Power of ONE") [5](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [6](https://www.usi.com/commissions-fees/ "Commissions and Fees")

[USI Insurance Services profile](https://spot.insure/insurance-providers/usi)

## What Is Medical Malpractice Insurance?

Medical malpractice insurance is professional liability coverage for claims arising from a health care professional’s medical services. [8](https://content.naic.org/insurance-topics/medical-malpractice-insurance "Medical Malpractice Insurance") [9](https://www.tdi.texas.gov/commercial/pcmedmal.html "Medical Liability Insurance shopping guide")

## Key Differences in Medical Malpractice Insurance

### Carrier Comparison Versus a Healthcare Practice

Mylo brokers by comparing quotes from multiple carriers for a medical professional’s specialty. USI’s Healthcare practice advises on risk and places medical professional liability for organizations from regional health systems to individual doctor groups. Both leave the issuing insurer unnamed on the reviewed pages. [3](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") [7](https://www.usi.com/property-casualty/healthcare/ "Healthcare")

### Form Education Versus Account Analytics

Mylo publishes how claims-made and occurrence differ and that tail can extend reporting after a claims-made policy ends. USI’s reviewed healthcare page does not explain those triggers; it instead cites a case study reviewing 26 years of a 220-physician group’s malpractice losses and company-reported savings from that work. [3](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") [7](https://www.usi.com/property-casualty/healthcare/ "Healthcare")

### Cyber Add-On Versus a Broader Specialty List

Mylo says malpractice does not cover cyberattacks or ransomware on its own and can add cyber for notification, credit monitoring and regulatory fines. USI lists Medical Professional (Malpractice) Liability alongside healthcare general liability, D&O, facility property, workers’ compensation, EPL, cyber and HIPAA, billing and regulatory claims, and bonding, and it mentions captives, RRGs and purchasing groups. [3](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") [7](https://www.usi.com/property-casualty/healthcare/ "Healthcare")

## What to Confirm in Medical Malpractice Insurance Quotes

- Ask Mylo whether the quote is claims-made or occurrence and whether tail and cyber are included. [3](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance")
- Ask USI for the risk-transfer structure (traditional, captive, RRG or purchasing group) and whether a loss-history review is part of the work. [7](https://www.usi.com/property-casualty/healthcare/ "Healthcare")
- Confirm the named insurer and limits on both. [3](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") [7](https://www.usi.com/property-casualty/healthcare/ "Healthcare")
- Start USI through its published inquiries email or a local office; Mylo’s path is the malpractice product quote comparison. [7](https://www.usi.com/property-casualty/healthcare/ "Healthcare") [3](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance")

## Offering Details

| Criteria | Mylo Medical Malpractice Insurance | USI Healthcare Practice — Medical Professional (Malpractice) Liability |
| --- | --- | --- |
| 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. [3](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: 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. [7](https://www.usi.com/property-casualty/healthcare/ "Healthcare") (Evidence: Company-reported; scope: Healthcare practice page..) |
| Issuing Insurer | The medical malpractice product page does not name the insurer that would issue a given practice's policy. [3](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") (Evidence: Not publicly disclosed; scope: Checked the medical malpractice product page on 2026-09-23..) | The Healthcare practice page does not name a specific medical malpractice insurer; it says USI has access to both traditional and nontraditional risk-transfer structures, including captives, risk retention groups and risk purchasing groups, without naming a carrier for any of them. [7](https://www.usi.com/property-casualty/healthcare/ "Healthcare") (Evidence: Not publicly disclosed; scope: Page as read on 2026-09-23..) |
| 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. [3](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: 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. [7](https://www.usi.com/property-casualty/healthcare/ "Healthcare") (Evidence: Company-reported; scope: 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. [3](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: Medical malpractice product page; the issued policy and its exclusions control..)<br><br>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. [3](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: Medical malpractice product page coverage-types section..)<br><br>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. [3](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: 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. [7](https://www.usi.com/property-casualty/healthcare/ "Healthcare") (Evidence: Company-reported; scope: Catalogue of practice offerings; specific insuring agreements, exclusions and limits are set by the issued policy..) |
| Limits and Retentions | The medical malpractice product page does not publish specific coverage limits or premium ranges. [3](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") (Evidence: Not publicly disclosed; scope: Checked the medical malpractice product page on 2026-09-23..) | Not described in the reviewed sources. |
| Risk Services | Not described in the reviewed sources. | USI cites a case study where its Healthcare team reviewed 26 years of a 220-physician group's malpractice loss history, found the client was overpriced with an outdated limit structure, and says the analysis produced about $350,000 in negotiated savings plus a retention-funding change projected to cut premium by close to $1,000,000 in a year. [7](https://www.usi.com/property-casualty/healthcare/ "Healthcare") (Evidence: Company-reported; scope: Single named case study; company-reported outcome, not independently verified, and not necessarily representative of every account..) |
| How to Apply | Not described in the reviewed sources. | USI directs healthcare organizations to email pcinquiries@usi.com or contact a local USI office to engage its Healthcare practice. [7](https://www.usi.com/property-casualty/healthcare/ "Healthcare") (Evidence: Company-reported; scope: Contact instructions on the Healthcare practice page..) |

## Full Comparison

- [Mylo vs USI Insurance Services](https://spot.insure/compare/mylo-vs-usi): all coverage lines, business roles, service and claims.
- [What Is Medical Malpractice Insurance?](https://spot.insure/coverage/medical-malpractice): Medical malpractice insurance can help pay defense costs and covered damages from claims about a health care professional's medical services.
- [Mylo vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/mylo-vs-usi/cyber)
- [Mylo vs USI Insurance Services Employee Health Benefits](https://spot.insure/compare/mylo-vs-usi/employee-health-benefits)
- [Mylo vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/mylo-vs-usi/professional-errors-omissions)
- [Mylo vs USI Insurance Services Surety Bonds](https://spot.insure/compare/mylo-vs-usi/surety-bonds)
- [Mylo vs USI Insurance Services Workers’ Compensation Insurance](https://spot.insure/compare/mylo-vs-usi/workers-compensation)
- [Beazley vs Mylo Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-mylo/medical-malpractice)
- [Beazley vs USI Insurance Services Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-usi/medical-malpractice)
- [Corgi vs Mylo Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-mylo/medical-malpractice)
- [Corgi vs USI Insurance Services Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-usi/medical-malpractice)
- [Harper vs Mylo Medical Malpractice Insurance](https://spot.insure/compare/harper-vs-mylo/medical-malpractice)
- [Harper vs USI Insurance Services Medical Malpractice Insurance](https://spot.insure/compare/harper-vs-usi/medical-malpractice)

## 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. [Medical Malpractice Insurance](https://choosemylo.com/medical-malpractice). Mylo; Protect your healthy reputation with medical malpractice insurance; What types of coverage are available? (claims-made, occurrence, tail coverage); What about lawsuits from data breaches?; Medical malpractice insurance FAQs. Accessed 2026-09-23.

### USI Insurance Services

4. [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.
5. [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.
6. [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.
7. [Healthcare](https://www.usi.com/property-casualty/healthcare/). USI Insurance Services; USI's Healthcare Practice addresses risk exposures...for organizations associated with the healthcare industry...; serves hospitals, physicians, surgery centers, dialysis clinics, senior care/assisted living facilities...; offers specialty coverages...including: Medical Professional (Malpractice) Liability...; captives, risk retention groups and risk purchasing groups; ACO Shield...CHC Shield...; CASE STUDY: USI's Healthcare Review of Loss History Records. Accessed 2026-09-23.

### Medical Malpractice Insurance Guide

8. [Medical Malpractice Insurance](https://content.naic.org/insurance-topics/medical-malpractice-insurance). National Association of Insurance Commissioners; Background: Issue; Overview; two basic types. Accessed 2026-09-16.
9. [Medical Liability Insurance shopping guide](https://www.tdi.texas.gov/commercial/pcmedmal.html). Texas Department of Insurance; What is medical liability insurance?; Claims-made versus occurrence; changing carriers; renewal tips. Accessed 2026-09-16.

Updated 2026-09-23. 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.

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