Mylo vs 
Zurich U.S.: How Do They Compare for Cyber Insurance?
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
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 4,5
What Is Cyber Insurance?
Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. 7,8
Key Differences in Cyber Insurance
Coverage and contract terms
Mylo compares quotes from multiple insurers and describes recovery, notification, crisis support, lost income, ransom reimbursement, restoration, legal defense and regulatory costs. Zurich’s offering is organized around size segments and primary or excess placement. 3 6
Risk services and incident help
Mylo says cyber may be added to a BOP depending on carrier. Zurich offers a Concierge Suite for small and midsize businesses and a separate large-company policy. Ask Mylo whether a package option shares limits with other BOP coverages; ask Zurich which form suits your company scale. 3 6
Company fit and limits
Mylo names hacking, spear phishing, employee or partner errors and ransomware among covered threat contexts. Zurich’s reviewed page directs policyholders to incident resources but does not describe equivalent coverage wording. Compare the specific event triggers, especially social engineering and employee misuse, in the carrier forms. 3 6
Buying and claims details
Mylo does not name the insurer or publish specific limits. Zurich can write primary or excess. Ask Mylo to identify each quoted carrier and Zurich to state the proposed limit, retention and attachment point. 3 6
What to Confirm in Cyber 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 reviewsZurich U.S.
Review Score
No reviews found
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsOffering Details
Mylo vs Zurich U.S.: Cyber Insurance: documented features by provider
| Criteria | Mylo Cyber Insurance | Zurich Cyber Insurance |
|---|---|---|
| Role in This Line | Mylo brokers cyber insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. 3Company-reported. Cyber insurance product page. | Confirm in your quote. |
| Issuing Insurer | The cyber insurance product page does not name the insurer that would issue a given business's policy. 3Not publicly disclosed. Checked the cyber insurance product page on 2026-09-23. | Confirm in your quote. |
| Who It’s For | Mylo markets cyber insurance to businesses that take credit cards or store customer information, citing its own figure that more than two-thirds of small businesses have experienced a cyberattack. 3Company-reported. Cyber insurance product page; a company-reported statistic, not independently verified. | Zurich offers a Concierge Suite for small/midsize companies and a separate cyber policy for large/global companies. 6Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial cyber insurance; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| Coverage Features | Mylo says cyber coverage can pay non-legal costs (breach investigation, customer notification, crisis-management and PR help, lost income, ransom reimbursement, and data restoration) as well as legal and regulatory costs, including defense and fines from a regulator such as HIPAA or from lawsuits by people affected by a breach. 3Company-reported. Cyber insurance product page; the issued policy and its exclusions control. Mylo names hacking and social-engineering attacks (such as spear phishing), employee or partner data errors and misuse, and malware or ransomware as the cyber threats this coverage is designed to address. 3Company-reported. Cyber insurance product page. Mylo says cyber insurance can often be added to a Business Owner's Policy depending on the carrier, alongside general liability, commercial property and business interruption. 3Company-reported. Cyber insurance product page "Add cyber to your Business Owner's Policy (BOP)" section. | Zurich says it can write cyber policies on both primary and excess bases. 6Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial cyber insurance; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| Limits and Retentions | The cyber insurance product page does not publish specific coverage limits, retentions or premium ranges. 3Not publicly disclosed. Checked the cyber insurance product page on 2026-09-23. | Confirm in your quote. |
| Risk Services | Confirm in your quote. | Zurich directs policyholders facing a cyber incident to its claims-reporting and incident-response resources, and offers a complimentary onboarding session through Zurich Resilience Solutions. 6Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial cyber insurance; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
Full Comparison
More Mylo vs Zurich U.S. Comparisons
Other Cyber 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.
- Cyber Insurance. Mylo; Back up your great reputation with cyber insurance; Do you take credit cards or store customer info? (hacking, data errors/misuse, malware/ransomware); What does cyber insurance do for business owners? (non-legal and legal/regulatory costs); Add cyber to your Business Owner's Policy (BOP); Cyber insurance FAQs. Accessed 2026-09-23.
Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- Cyber Security Insurance and Coverage | Zurich Insurance. Zurich U.S.; Cyber policy types, customer segments, primary/excess, incident response. Accessed 2026-09-28.
Cyber Insurance Guide
- Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
- CyberEdge specimen policy. AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.
