---
title: "Mylo vs Zurich U.S.: Umbrella and Excess Liability Insurance"
description: "Mylo reports common umbrella layers of $1 million to $15 million above primary coverage, while Zurich also lists a separate claims-made facility up to $100 million."
canonical: "https://spot.insure/compare/mylo-vs-zurich/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "mylo-vs-zurich"
provider-a: "mylo"
provider-b: "zurich"
coverage-line: "umbrella-excess"
---

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

## Agent Guide

**What this page is:** Focused comparison of Mylo and Zurich U.S. for Umbrella and Excess Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Umbrella and Excess Liability Insurance questions about Mylo versus Zurich U.S.. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Mylo vs Zurich U.S. for Umbrella and Excess Liability Insurance: how do they differ?
- Which is better for Umbrella and Excess Liability Insurance, Mylo or Zurich U.S.?
- What does Mylo or Zurich U.S. publish about Umbrella and Excess Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Umbrella and Excess Liability Insurance from Mylo or Zurich U.S.?

**Key facts:**
- Line: Umbrella and Excess Liability Insurance. Providers: Mylo and Zurich U.S..
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [Mylo vs Zurich U.S.](https://spot.insure/compare/mylo-vs-zurich) — parent: all coverage lines for this pair
- [Umbrella and Excess Liability Insurance guide](https://spot.insure/coverage/umbrella-excess) — coverage explainer for this line
- [Mylo profile](https://spot.insure/insurance-providers/mylo) — provider profile (evidence)
- [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) — provider profile (evidence)
- [Mylo vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/mylo-vs-zurich/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Mylo vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/mylo-vs-zurich/cyber) — sibling comparison (other line, or other pair for this line)
- [Mylo vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/mylo-vs-zurich/general-liability) — sibling comparison (other line, or other pair for this line)
- [Mylo vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/mylo-vs-zurich/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Mylo vs Zurich U.S. Surety Bonds](https://spot.insure/compare/mylo-vs-zurich/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Mylo vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/mylo-vs-zurich/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Mylo Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-mylo/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Zurich U.S. Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-zurich/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Mylo Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-mylo/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Zurich U.S. Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Mylo Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-mylo/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Zurich U.S. Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-zurich/umbrella-excess) — sibling comparison (other line, or other pair for this line)

# Mylo vs Zurich U.S.: How Do They Compare for Umbrella and Excess Liability Insurance?

Mylo reports common umbrella layers of $1 million to $15 million above primary coverage, while Zurich also lists a separate claims-made facility up to $100 million.

## How to Use the Mylo vs Zurich U.S. Umbrella and Excess Liability Insurance Comparison

Use this comparison to evaluate Mylo and Zurich U.S. for Umbrella and Excess Liability 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.

## Mylo vs Zurich U.S. Umbrella and Excess Liability Insurance Summary

Mylo says most commercial umbrella policies add $1 million to $15 million above underlying limits; its 2026-09-23 FAQ gives a general range, not a quote. Zurich’s joint claims-made excess casualty facility page accessed 2026-09-28 describes capacity up to $100 million. [3](https://choosemylo.com/business/product-umbrella "Commercial Umbrella") [6](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich 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](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)

## 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](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [5](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.")

[Zurich U.S. profile](https://spot.insure/insurance-providers/zurich)

## What Is Umbrella and Excess Liability Insurance?

Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. [7](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm "Lines of Insurance") [10](https://www.coverdash.com/coverage "Coverage Hub") [11](https://kinro.com/products "Products")

## What Are the Key Differences Between Mylo and Zurich U.S. Umbrella and Excess Liability Insurance?

### Published Layer Ranges
Mylo’s FAQ accessed 2026-09-23 gives a general $1 million to $15 million umbrella range above underlying limits, not a quote for a particular business. Zurich’s facility page accessed 2026-09-28 describes up to $100 million of shared claims-made excess casualty capacity. These are different structures and triggers; compare the actual quoted attachment and limits rather than using the figures as equivalent. [3](https://choosemylo.com/business/product-umbrella "Commercial Umbrella") [6](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance")

### Carrier Access
Mylo says it compares quotes from multiple carriers and uses a licensed agent to assess whether umbrella coverage fits the business. Zurich describes a joint facility shared among Zurich, Chubb, and National Indemnity for claims-made excess casualty. Ask Mylo which market issued its best-fit quote and Zurich which facility participant will issue the proposed layer and coordinate with your primaries. [3](https://choosemylo.com/business/product-umbrella "Commercial Umbrella") [6](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance")

## What Should You Confirm in Mylo and Zurich U.S. Umbrella and Excess Liability Insurance Quotes?

- Ask Mylo which underlying policies the proposed carrier requires and whether the quoted limit is per occurrence or aggregate. [3](https://choosemylo.com/business/product-umbrella "Commercial Umbrella")
- Ask Zurich whether the quote is its Commercial Umbrella or claims-made facility and confirm the attachment point. [6](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance")

## Mylo vs Zurich U.S. Umbrella and Excess Liability Insurance Compared

| Criteria | Mylo Commercial Umbrella Insurance | Zurich Commercial Umbrella and Excess Liability |
| --- | --- | --- |
| Role in This Line | Mylo brokers commercial umbrella insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. [3](https://choosemylo.com/business/product-umbrella "Commercial Umbrella") (Evidence: Company-reported; scope: Commercial umbrella product page..) | Confirm in your quote. |
| Issuing Insurer | The commercial umbrella product page does not name the insurer that would issue a given business's policy. [3](https://choosemylo.com/business/product-umbrella "Commercial Umbrella") (Evidence: Not publicly disclosed; scope: Checked the commercial umbrella product page on 2026-09-23..) | Confirm in your quote. |
| Who It’s For | Mylo says umbrella coverage may also be needed for businesses operating internationally whose primary policy limits overseas protection, or that have signed a contract with a customer, partner or vendor requiring umbrella coverage. [3](https://choosemylo.com/business/product-umbrella "Commercial Umbrella") (Evidence: Company-reported; scope: Commercial umbrella product page FAQ..) | Confirm in your quote. |
| Coverage Features | Mylo describes commercial umbrella as extra liability protection that takes over once a business exhausts the limits of its general liability, commercial auto or workers' compensation policies, and says it cannot be purchased or used on its own without an underlying policy in place. [3](https://choosemylo.com/business/product-umbrella "Commercial Umbrella") (Evidence: Company-reported; scope: Commercial umbrella product page; the issued policy and its exclusions control..) | Zurich Commercial Umbrella combines Coverage A follow-form excess liability and Coverage B lead umbrella liability. [6](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial umbrella and excess liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..)<br><br>Zurich’s Excess Claims Made Facility offers up to $100 million in claims-made excess casualty coverage and may consider customized wording; it is a joint Zurich, Chubb and National Indemnity facility. [6](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial umbrella and excess liability; United States. Facility capacity and terms are shared among Zurich, Chubb and Berkshire Hathaway National Indemnity; do not attribute the whole facility solely to Zurich..) |
| Limits and Retentions | Mylo says most commercial umbrella policies pay out between $1 million and $15 million in additional coverage above the underlying policy's limits. [3](https://choosemylo.com/business/product-umbrella "Commercial Umbrella") (Evidence: Company-reported; scope: Commercial umbrella product page FAQ; a general market range, not a quoted limit for any specific business..) | Coverage C Casualty Business Crisis Expense reimburses emergency expenses up to $250,000. [6](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial umbrella and excess liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) |
| How to Apply | Mylo says a licensed agent reviews the specific business to give a personalized recommendation on whether umbrella coverage makes sense, and compares quotes from top-rated carriers. [3](https://choosemylo.com/business/product-umbrella "Commercial Umbrella") (Evidence: Company-reported; scope: Commercial umbrella product page "How will Mylo find me the right policy?" section..) | Confirm in your quote. |

## Related Pages for Mylo vs Zurich U.S. Umbrella and Excess Liability

- [Mylo vs Zurich U.S.](https://spot.insure/compare/mylo-vs-zurich): all coverage lines, business roles, service and claims.
- [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella or excess insurance can add liability limits above selected underlying policies when a covered claim exceeds them; compare the schedule and any gaps.
- [Mylo vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/mylo-vs-zurich/commercial-auto)
- [Mylo vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/mylo-vs-zurich/cyber)
- [Mylo vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/mylo-vs-zurich/general-liability)
- [Mylo vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/mylo-vs-zurich/professional-errors-omissions)
- [Mylo vs Zurich U.S. Surety Bonds](https://spot.insure/compare/mylo-vs-zurich/surety-bonds)
- [Mylo vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/mylo-vs-zurich/workers-compensation)
- [AIG vs Mylo Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-mylo/umbrella-excess)
- [AIG vs Zurich U.S. Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-zurich/umbrella-excess)
- [Alliance Risk vs Mylo Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-mylo/umbrella-excess)
- [Alliance Risk vs Zurich U.S. Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/umbrella-excess)
- [Amelia Risk vs Mylo Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-mylo/umbrella-excess)
- [Amelia Risk vs Zurich U.S. Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-zurich/umbrella-excess)

## Sources for Mylo vs Zurich U.S.

### Sources About 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. [Commercial Umbrella](https://choosemylo.com/business/product-umbrella). Mylo; Rainy days? Try Umbrella coverage; Don't put a limit on your success (example scenarios for general liability, commercial auto and workers' comp); Umbrella coverage FAQs (typical payout range, standalone-use limitation); How will Mylo find me the right policy?. Accessed 2026-09-23.

### Sources About Zurich U.S.

4. [About Us | Zurich U.S. | Commercial Insurance](https://www.zurichna.com/about). Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
5. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers). Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
6. [Commercial Umbrella Insurance Coverage | Zurich Insurance](https://www.zurichna.com/insurance/umbrella). Zurich U.S.; Umbrella and excess coverage forms, crisis expense limit, excess claims-made facility. Accessed 2026-09-28.

### Sources for the Umbrella and Excess Liability Insurance Guide

7. [Liability Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance). Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
8. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
9. [Lines of Insurance](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm). California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
10. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
11. [Products](https://kinro.com/products). Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16.

Updated 2026-10-01. 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.

## Mylo Review Scores for 2026

Review Score: 7.7 / 10 from 2 rated sources, equally weighted.

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.

- Trustpilot: TrustScore 2.9 (0–5 stars); 2 reviews. Trustpilot brand profile linked to choosemylo.com and Kansas City address; two user reviews from U.S. reviewers, both about auto-insurance shopping, not commercial policies. Trustpilot warns reviews may not be representative. Period: 0 reviews in prior 12 months; accessed 2026-09-25. Checked 2026-09-25. [Mylo Reviews | Trustpilot](https://uk.trustpilot.com/review/choosemylo.com)
- Birdeye (aggregates Google and Birdeye reviews): combined Google/Birdeye star rating 4.8 (0–5 stars); 1329 reviews. Kansas City office at 8880 Ward Pkwy #200; profile links to choosemylo.com and identifies insurance products including business, home, auto, health and group health. Birdeye shows 1,328 Google and 1 Birdeye review. Local office and mixed-product profile, not company-wide commercial-only consensus. Period: Observed 2026-09-25; 1,328 Google-origin plus one Birdeye review. Checked 2026-09-25. [Mylo, a Lockton Company | Birdeye](https://reviews.birdeye.com/mylo-a-lockton-company-155339142807839)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/mylo/reviews).

## Zurich U.S. Review Scores for 2026

Review Score: not enough ratings.

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.

- NerdWallet: editorial rating 4.5 (5). U.S. commercial rental-fleet insurance publisher review; editorial evaluation, not a consumer average or all-line Zurich result. Period: Page updated July 10, 2026. Checked 2026-09-29. [Best Insurance Companies for Car Rental Businesses](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance)
- Trustpilot: TrustScore 1.2 (5); 748 reviews. Global Zurich Insurance Group profile; mixed countries and products, not U.S. commercial-policyholder satisfaction. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Insurance Reviews](https://www.trustpilot.com/review/www.zurich.com)
- ConsumerAffairs: customer rating 1.0 (5); 72 reviews. U.S. Zurich North America/Property & Casualty profile; mixed products and customer populations, not line-specific commercial results. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Property & Casualty Insurance Reviews from Real Customers](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html)
- BBB: customer review rating 1.14 (5); 116 reviews. Customer-submitted reviews on the Zurich American Insurance Company profile; not a line-specific or representative policyholder survey. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich American Insurance Company Customer Reviews](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/zurich/reviews).

## Agent and Developer Resources

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