--- title: "Mylo vs Zurich U.S." description: "Compare Mylo and Zurich U.S. by business role, documented product lines, application route, and policyholder service." canonical: "https://spot.insure/compare/mylo-vs-zurich" page-type: "provider-comparison" updated-at: "2026-09-30" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/mylo-vs-zurich) # Mylo vs Zurich U.S. Compare Mylo and Zurich U.S. by business role, documented product lines, application route, and policyholder service. ## Before You Quote Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business. ## Highlights Mylo describes a brokerage or broker-mediated route, while Zurich U.S. directs commercial buyers to agents and brokers; compare the listed products, named insurer, submission route, and service contact against your business and policy needs. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [2](https://choosemylo.com/our-story "About Mylo") [3](https://choosemylo.com/terms-of-use "Terms Of Use") [4](https://choosemylo.com/contact-your-carrier "Contact Your Carrier") [14](https://choosemylo.com/groupbenefits "Small Group Benefits") [51](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [52](https://www.zurichna.com/media/about-zurich "About Zurich U.S. | Zurich U.S. Insurance") [56](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [57](https://www.zurichna.com/about/contact-us "Contact Zurich U.S.") [58](https://www.zurichna.com/digital-application-suite "My Zurich customer portal") ## Provider Reliability Assessments These sourced assessments are shown for context; this comparison does not select a winner. ### Mylo Role: Broker. Broker Spot Score: **5.0/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.). Read the [full reliability assessment](https://spot.insure/insurance-providers/mylo/reliability). ### Zurich U.S. Role: Insurance carrier. Carrier & MGA Spot Score: **Not Rated**. Assessed 2026-09-29; review due 2026-10-29. Read the [full reliability assessment](https://spot.insure/insurance-providers/zurich/reliability). ## Mylo Reviews 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. Reviews 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). ## Introduction If you are choosing where to start a commercial insurance conversation, this pair helps separate Mylo's documented role from Zurich's agent-and-broker placement route. The records describe business activities and marketed products; they do not establish that either route will quote or issue a particular policy for your company. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [2](https://choosemylo.com/our-story "About Mylo") [56](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [57](https://www.zurichna.com/about/contact-us "Contact Zurich U.S.") ## Coverage Comparison | Coverage Type | Mylo | Zurich U.S. | | --- | --- | --- | | [Builders risk](https://spot.insure/coverage/builders-risk) | Not listed | Listed: Zurich markets a Commercial Builders Risk program for construction projects; the project-value language conflicts within Zurich’s own page and requires confirmation. [50](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") | | [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Listed: Mylo lists a business owner’s policy among its business insurance products. [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 | | [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed: As of September 16, 2026, Mylo invites commercial-auto quote requests and describes comparing policies from multiple insurers. [6](https://choosemylo.com/business/product-commercial-auto "Commercial Auto Insurance") | Listed: Zurich markets commercial auto for rental fleets; the reviewed source does not establish the same terms for all commercial-auto classes. [35](https://www.zurichna.com/insurance/auto-rental "Vehicle Rental Business Insurance: Car, Motorcycle, Truck, RV | Zurich") | | [Commercial property](https://spot.insure/coverage/commercial-property) | Not listed | Listed: Zurich markets commercial property insurance. [33](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich") | | [Crime](https://spot.insure/coverage/crime) | Not listed | Listed: Zurich markets commercial crime insurance as standalone policies and as package solutions; package structure is distinct from any specific policy terms. [27](https://www.zurichna.com/insurance/management-liability/crime-insurance "Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.") | | [Cyber liability](https://spot.insure/coverage/cyber) | Listed: Mylo invites cyber insurance quote requests and compares policies from multiple insurers. [8](https://choosemylo.com/business/product-cyber "Cyber Insurance") | Listed: Zurich markets cyber insurance for businesses; cover and policy form depend on the selected product. [30](https://www.zurichna.com/insurance/cyber "Cyber Security Insurance and Coverage | Zurich Insurance") | | [Directors and officers](https://spot.insure/coverage/directors-officers) | Not listed | Listed: Zurich markets directors and officers liability insurance. [23](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") | | [Employee health and benefits](https://spot.insure/coverage/employee-health-benefits) | Listed: Mylo helps employers with 2–99 employees compare and enroll in small-group health, dental and vision plans. [14](https://choosemylo.com/groupbenefits "Small Group Benefits") | Not listed | | [Employment practices liability](https://spot.insure/coverage/employment-practices) | Not listed | Listed: Zurich markets Employment Practices Liability Insurance (EPLI). [25](https://www.zurichna.com/insurance/management-liability/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI) | Zurich U.S.") | | [Fidelity bonds](https://spot.insure/coverage/fidelity-bonds) | Not listed | Listed: Zurich markets ERISA fidelity bond options; this product page identifies Zurich American Insurance Company as underwriter and states approved-state availability. [28](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond "ERISA Fidelity Bond | Zurich U.S. Insurance") | | [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Not listed | Listed: Zurich markets fiduciary liability insurance. [23](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") | | [General liability](https://spot.insure/coverage/general-liability) | Listed: Mylo compares general liability quotes from insurance carriers and also offers package options. [7](https://choosemylo.com/business/product-commercial-general-liability "Commercial General Liability Insurance") | Listed: Zurich’s U.S. catalogue describes commercial general liability protection for business bodily injury, property damage and personal injury claims. [22](https://www.zurichna.com/insurance/casualty "Commercial Casualty Insurance | Zurich Insurance") [21](https://www.zurichna.com/insurance "Business insurance for public & private companies | Zurich") | | [Management liability](https://spot.insure/coverage/management-liability) | Not listed | Listed: Zurich markets a management liability portfolio with multiple distinct lines. [23](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") | | [Medical malpractice](https://spot.insure/coverage/medical-malpractice) | Listed: Mylo compares medical malpractice insurance options from insurers. [9](https://choosemylo.com/medical-malpractice "Medical Malpractice Insurance") | Not listed | | [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: Mylo compares professional liability quotes for claims from clients unhappy with professional services. [10](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") | Listed: Zurich markets professional errors and omissions insurance. [29](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") | | [Surety bonds](https://spot.insure/coverage/surety-bonds) | Listed: Mylo compares commercial surety-bond quotes for license or permit obligations. [11](https://choosemylo.com/business/product-surety-bonds "Surety Bonds") | Listed: Zurich markets construction and corporate surety bonds. [36](https://www.zurichna.com/insurance/surety "Surety Bond Company: Construction & Corporate | Zurich") | | [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Not listed | Listed: Zurich markets technology errors and omissions insurance. [29](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") | | [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Not listed | Listed: Zurich’s commercial property page separately lists Inland Marine coverages, including contractors’ equipment and warehouse liability; do not equate its broader Marine portfolio with this line. [33](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich") | | [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed: Mylo compares commercial umbrella quotes from insurers. [12](https://choosemylo.com/business/product-umbrella "Commercial Umbrella Insurance") | Listed: Zurich markets commercial umbrella and excess liability insurance; the cited facility is not a universal Zurich limit. [32](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance") | | [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed: Mylo compares workers’ compensation options from insurers. [13](https://choosemylo.com/business/product-workers-comp "Workers’ Compensation Insurance") | Listed: Zurich markets workers’ compensation insurance. [49](https://www.zurichna.com/insurance/workers-compensation "Workers’ Compensation Insurance | Zurich Insurance") | A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms. ## 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://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage. ## How The Buying Route Differs Mylo's published role points to a brokerage or broker-mediated route; Zurich describes a commercial insurer group that works through agents and brokers. That distinction can guide whom you contact first: use Mylo when its documented channel and service model fit your need, and ask a broker who can quote the Zurich product you want to compare. The specific producer and insurer still depend on the proposal and policy documents. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [2](https://choosemylo.com/our-story "About Mylo") [51](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [52](https://www.zurichna.com/media/about-zurich "About Zurich U.S. | Zurich U.S. Insurance") [56](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [57](https://www.zurichna.com/about/contact-us "Contact Zurich U.S.") The application path affects who prepares the submission and which details your team must assemble. Compare Mylo's described application route with Zurich's broker-directed route for your product, locations, and operations. Ask each contact what information is still missing and what written confirmation marks the point when coverage is bound. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [3](https://choosemylo.com/terms-of-use "Terms Of Use") [56](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [57](https://www.zurichna.com/about/contact-us "Contact Zurich U.S.") ## What The Coverage Lists Show The current coverage lists overlap on Commercial auto, General liability, Cyber liability. Mylo also lists Business owner’s policy and Medical malpractice among its documented lines; Zurich's list also names Directors and officers and Technology errors and omissions (E&O). A shared label is only a starting point: compare the proposed forms, limits, retentions, exclusions, and conditions for your specific operations. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [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") [22](https://www.zurichna.com/insurance/casualty "Commercial Casualty Insurance | Zurich Insurance") [23](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") [29](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") [30](https://www.zurichna.com/insurance/cyber "Cyber Security Insurance and Coverage | Zurich Insurance") [35](https://www.zurichna.com/insurance/auto-rental "Vehicle Rental Business Insurance: Car, Motorcycle, Truck, RV | Zurich") ## Application And Ongoing Service After a quote is prepared, compare the service each company describes with the route you will use. Ask whether your account includes portal access, who handles certificates and midterm changes, who coordinates renewal review, and where to report a claim. The published service descriptions do not establish the commitments in your own agreement. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [4](https://choosemylo.com/contact-your-carrier "Contact Your Carrier") [14](https://choosemylo.com/groupbenefits "Small Group Benefits") [58](https://www.zurichna.com/digital-application-suite "My Zurich customer portal") ## Questions To Ask Before You Choose - Which legal insurer will issue each quoted policy, and which producer is responsible for placement? - Which forms, limits, retentions, exclusions, and state or business eligibility rules apply to the exposure you need to insure? - What application materials or follow-up does each route require, and what event confirms coverage is bound? - Who handles certificates, midterm changes, renewal review, and first notice of claim? - How are premium, taxes, fees, commissions, and any contingent compensation disclosed for this placement? The public records explain the companies' roles and processes, but only an applicant-specific proposal and issued policy can answer those questions for your business. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [3](https://choosemylo.com/terms-of-use "Terms Of Use") [56](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [57](https://www.zurichna.com/about/contact-us "Contact Zurich U.S.") [58](https://www.zurichna.com/digital-application-suite "My Zurich customer portal") [61](https://www.zurichna.com/producercompensation "Zurich Producer Compensation") ## Compare Services What each provider documents about the services you may need. | Criteria | Mylo | Zurich U.S. | | --- | --- | --- | | 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.)

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.)

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.)

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.) | Zurich U.S. describes its business as commercial property-casualty and specialty insurance solutions and services within Zurich Insurance Group. [51](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [52](https://www.zurichna.com/media/about-zurich "About Zurich U.S. | Zurich U.S. Insurance") (Evidence: Company-reported; scope: Zurich U.S. operating brand; U.S. business; company description, not legal-entity or insurer attribution for an individual policy.; verified: 2026-09-29.)

Zurich’s 2026 history page describes a planned transition from Zurich North America to Zurich U.S.; the reviewed page does not give a completion date. [55](https://www.zurichna.com/about/history "Zurich U.S. History") (Evidence: Company-reported; scope: Brand naming only. No Zurich North America alias added pending clear evidence of completion.; verified: 2026-09-29.) | | 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.)

Mylo’s Terms of Use, last updated May 27, 2026, say purchases may have additional transaction terms, require accurate and complete application answers, and may not result in an issued policy. AI-generated estimates are not quotes, binders or coverage; the carrier determines the actual offer after a complete application. [3](https://choosemylo.com/terms-of-use "Terms Of Use") (Evidence: Company-reported; scope: Website Terms §§1.2, 6 and 9.1.1, last updated May 27, 2026; not the complete terms of an individual insurance transaction or insurer policy.; verified: 2026-09-29.) | Zurich directs commercial buyers to agents and brokers and provides a locator. The reviewed pages do not establish a general direct online purchase flow. [56](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [57](https://www.zurichna.com/about/contact-us "Contact Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. commercial customer route; reviewed agent/contact pages; not a conclusion that direct placement is unavailable in every program.; verified: 2026-09-29.) | | Servicing and renewals | The reviewed public pages identify Mylo advisors, a service-professional fallback and a benefits HR portal, but do not establish one universal workflow for commercial policy changes, certificates, renewals or cancellations across carriers. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [4](https://choosemylo.com/contact-your-carrier "Contact Your Carrier") [14](https://choosemylo.com/groupbenefits "Small Group Benefits") (Evidence: Not found in reviewed sources; scope: Public direct-business, carrier-contact and group-benefits pages reviewed on 15 September 2026. Carrier- or policy-specific service may still be available.; verified: 2026-09-15.) | Zurich describes an online portal for existing customers to view policy documents and endorsements, track claims, review risk-improvement actions and contact Zurich. The reviewed pages do not explain renewal handling. [58](https://www.zurichna.com/digital-application-suite "My Zurich customer portal") (Evidence: Company-reported; scope: Company-described My Zurich functions for existing policyholders; renewal details were not found in these reviewed pages.; verified: 2026-09-29.) | ## Related Reading - [What Is Mylo Insurance?](https://spot.insure/insurance-providers/mylo) - [Zurich U.S. Business Insurance: Products, Access, and Claims](https://spot.insure/insurance-providers/zurich) ## Related Comparisons - [AIG vs Mylo](https://spot.insure/compare/aig-vs-mylo) - [AIG vs Zurich U.S.](https://spot.insure/compare/aig-vs-zurich) - [Alliance Risk vs Mylo](https://spot.insure/compare/alliance-risk-vs-mylo) - [Alliance Risk vs Zurich U.S.](https://spot.insure/compare/alliance-risk-vs-zurich) - [Amelia Risk vs Mylo](https://spot.insure/compare/amelia-risk-vs-mylo) - [Amelia Risk vs Zurich U.S.](https://spot.insure/compare/amelia-risk-vs-zurich) - [Aon vs Mylo](https://spot.insure/compare/aon-vs-mylo) - [Aon vs Zurich U.S.](https://spot.insure/compare/aon-vs-zurich) - [Armilla vs Mylo](https://spot.insure/compare/armilla-vs-mylo) - [Armilla vs Zurich U.S.](https://spot.insure/compare/armilla-vs-zurich) - [At-Bay vs Mylo](https://spot.insure/compare/at-bay-vs-mylo) - [At-Bay vs Zurich U.S.](https://spot.insure/compare/at-bay-vs-zurich) - [The Baldwin Group vs Mylo](https://spot.insure/compare/baldwin-vs-mylo) - [The Baldwin Group vs Zurich U.S.](https://spot.insure/compare/baldwin-vs-zurich) - [Beazley vs Mylo](https://spot.insure/compare/beazley-vs-mylo) - [Beazley vs Zurich U.S.](https://spot.insure/compare/beazley-vs-zurich) - [Berkshire Hathaway Specialty Insurance vs Mylo](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-mylo) - [Berkshire Hathaway Specialty Insurance vs Zurich U.S.](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-zurich) - [biBerk vs Mylo](https://spot.insure/compare/biberk-vs-mylo) - [biBerk vs Zurich U.S.](https://spot.insure/compare/biberk-vs-zurich) - [CFC vs Mylo](https://spot.insure/compare/cfc-vs-mylo) - [CFC vs Zurich U.S.](https://spot.insure/compare/cfc-vs-zurich) - [Chubb vs Mylo](https://spot.insure/compare/chubb-vs-mylo) - [Chubb vs Zurich U.S.](https://spot.insure/compare/chubb-vs-zurich) - [CNA vs Mylo](https://spot.insure/compare/cna-vs-mylo) - [CNA vs Zurich U.S.](https://spot.insure/compare/cna-vs-zurich) - [Coalition vs Mylo](https://spot.insure/compare/coalition-vs-mylo) - [Coalition vs Zurich U.S.](https://spot.insure/compare/coalition-vs-zurich) - [Corgi vs Mylo](https://spot.insure/compare/corgi-vs-mylo) - [Corgi vs Zurich U.S.](https://spot.insure/compare/corgi-vs-zurich) - [Coterie Insurance vs Mylo](https://spot.insure/compare/coterie-vs-mylo) - [Coterie Insurance vs Zurich U.S.](https://spot.insure/compare/coterie-vs-zurich) - [Counterpart vs Mylo](https://spot.insure/compare/counterpart-vs-mylo) - [Counterpart vs Zurich U.S.](https://spot.insure/compare/counterpart-vs-zurich) - [Coverdash vs Mylo](https://spot.insure/compare/coverdash-vs-mylo) - [Coverdash vs Zurich U.S.](https://spot.insure/compare/coverdash-vs-zurich) - [Cowbell vs Mylo](https://spot.insure/compare/cowbell-vs-mylo) - [Cowbell vs Zurich U.S.](https://spot.insure/compare/cowbell-vs-zurich) - [Embroker vs Mylo](https://spot.insure/compare/embroker-vs-mylo) - [Embroker vs Zurich U.S.](https://spot.insure/compare/embroker-vs-zurich) ## 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 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. [Terms Of Use](https://choosemylo.com/terms-of-use). Mylo; Effective February 21, 2017; last updated May 27, 2026; introduction identifying Mylo, LLC; §1.2 additional transaction terms; §§6.1–6.5 policy and service information, application accuracy and issuance limitations; §9.1.1 AI-generated estimates in AI Platform conversations and carrier determination after complete application on Mylo’s website; trade-name footer. Accessed 2026-09-29. 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; Business Owners Policy product opening; Get My Quote; How will Mylo find me the right policy?; related business-product navigation. Accessed 2026-09-16. 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; How will Mylo find me the right policy?; quote invitation; FAQs. Accessed 2026-09-16. 7. [Commercial General Liability Insurance](https://choosemylo.com/business/product-commercial-general-liability). Mylo; Why general liability?; How will Mylo find me the right general liability?; quote comparisons and BOP packaging; related business-product navigation. Accessed 2026-09-16. 8. [Cyber Insurance](https://choosemylo.com/business/product-cyber). Mylo; Think You Don’t Need Cyber Insurance; quote invitation; comparison of business-insurance companies; related business-product navigation. Accessed 2026-09-16. 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; Protect your healthy reputation; quote-comparison and customization paragraphs. Accessed 2026-09-16. 10. [Professional Liability Insurance](https://choosemylo.com/business/product-professional-liability). Mylo; Professional Liability? But I Do Good Work (claims from clients unhappy with your work); Start My Quote; Mylo compares quotes from top-rated business insurance companies; related business-product navigation. Accessed 2026-09-16. 11. [Surety Bonds](https://choosemylo.com/business/product-surety-bonds). Mylo; Surety Bonds Show You Mean Business (license and permit obligations; Mylo compares quotes from top surety bond providers); How Does A Surety Bond Work (three-way agreement); quote calls to action; FAQs. Accessed 2026-09-16. 12. [Commercial Umbrella Insurance](https://choosemylo.com/business/product-umbrella). Mylo; Commercial umbrella product page: add-on above general liability, commercial auto and workers’ comp limits; related business-product navigation. Accessed 2026-09-16. 13. [Workers’ Compensation Insurance](https://choosemylo.com/business/product-workers-comp). Mylo; Workers’ Comp? What’s In It For Me; Mylo compares quotes from insurers; Get My Quote; state-fund states referral; related business-product navigation. Accessed 2026-09-16. 14. [Small Group Benefits](https://choosemylo.com/groupbenefits). Mylo; Hero for employers with 2–99 employees; health, dental and vision benefit categories; enrollment, HR portal and licensed benefits advisor; Get My Quote. Accessed 2026-09-16. 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. 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. 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. Accessed 2026-09-15. ### [Zurich U.S. Official Website](https://www.zurichna.com/) 21. [Business insurance for public & private companies | Zurich](https://www.zurichna.com/insurance). Zurich U.S.; Zurich U.S. commercial coverage catalogue; line navigation and product links. Accessed 2026-09-28. 22. [Commercial Casualty Insurance | Zurich Insurance](https://www.zurichna.com/insurance/casualty). Zurich U.S.; Insurance solutions for commercial casualty / Domestic Casualty Solutions; explicitly lists Zurich General Liability, Workers’ Compensation, Commercial Auto and Excess Liability. Accessed 2026-09-28. 23. [Management Liability Insurance | Zurich U.S.](https://www.zurichna.com/insurance/management-liability) Zurich U.S.; Management liability, D&O, crime, fiduciary, EPLI. Accessed 2026-09-28. 24. [Directors and Officers Liability Insurance (D&O) | Zurich U.S.](https://www.zurichna.com/insurance/management-liability/directors-and-officers-liability-insurance) Zurich U.S.; D&O coverage, target companies, claims team. Accessed 2026-09-28. 25. [Employment Practices Liability Insurance (EPLI) | Zurich U.S.](https://www.zurichna.com/insurance/management-liability/employment-practices-liability-insurance) Zurich U.S.; EPLI protection, coverage features, risk services. Accessed 2026-09-28. 26. [Fiduciary Liability Insurance | Zurich U.S.](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance) Zurich U.S.; Fiduciary products, exposures, customers, services. Accessed 2026-09-28. 27. [Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.](https://www.zurichna.com/insurance/management-liability/crime-insurance) Zurich U.S.; Crime product, standalone/package availability, loss examples, risk assessment services. Accessed 2026-09-28. 28. [ERISA Fidelity Bond | Zurich U.S. Insurance](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond). Zurich U.S.; ERISA Fidelity Bond options, limits, eligibility, insurer, underwriting conditions. Accessed 2026-09-28. 29. [Errors and Omissions Insurance – E&O | Zurich Insurance](https://www.zurichna.com/insurance/errors-and-omissions). Zurich U.S.; Pro Plus coverage, targeted classes, policy structure, claims and underwriting. Accessed 2026-09-28. 30. [Cyber Security Insurance and Coverage | Zurich Insurance](https://www.zurichna.com/insurance/cyber). Zurich U.S.; Cyber policy types, customer segments, primary/excess, incident response. Accessed 2026-09-28. 31. [Zurich Cyber Insurance Policy](https://www.zurichna.com/insurance/cyber/policy). Zurich U.S.; Large/global cyber policy coverage and claims/response resources. Accessed 2026-09-28. 32. [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. 33. [Commercial Property Insurance: Building & Business | Zurich](https://www.zurichna.com/insurance/commercial-property). Zurich U.S.; Property forms, customer segments, business interruption, risk engineering, marine. Accessed 2026-09-28. 34. [Insurance for Construction Companies | Zurich Insurance](https://www.zurichna.com/industries/construction). Zurich U.S.; Builders risk offering; construction customers; construction coverages and risk services. Accessed 2026-09-28. 35. [Vehicle Rental Business Insurance: Car, Motorcycle, Truck, RV | Zurich](https://www.zurichna.com/insurance/auto-rental). Zurich U.S.; Commercial rental fleets, auto liability and physical damage, application and claims. Accessed 2026-09-28. 36. [Surety Bond Company: Construction & Corporate | Zurich](https://www.zurichna.com/insurance/surety). Zurich U.S.; Contract and commercial surety, products, jurisdictions, transaction tools. Accessed 2026-09-28. 37. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/sites/default/files/file/2025-08/2025092%20U.S.%20Small%20Commercial%20Insurance%20Study.pdf). J.D. Power; Indexed 2025 ranking PDF URL returned 404 when opened; score table not verified. Accessed 2026-09-28. 38. [2025 U.S. Small Commercial Insurance Study - JD Power](https://www.jdpower.com/business/press-releases/2025-us-small-commercial-insurance-study). J.D. Power; 2025 study methodology, sample size and field dates. Accessed 2026-09-28. 39. [U.S. Small Commercial Insurance Study - JD Power](https://www.jdpower.com/business/u-s-small-commercial-insurance-study/). J.D. Power; 2025 and 2026 profiled target brands and publication dates. Accessed 2026-09-28. 40. [Best Insurance Companies for Car Rental Businesses - NerdWallet](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance). NerdWallet; Zurich 4.5/5 business editorial rating; commercial auto rental fleets; complaint analysis. Accessed 2026-09-28. 41. [Zurich Insurance Reviews | Trustpilot](https://www.trustpilot.com/review/www.zurich.com). Trustpilot; Global Zurich Insurance profile, TrustScore and review count. Accessed 2026-09-28. 42. [Zurich Property & Casualty Insurance Reviews from Real Customers | ConsumerAffairs](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html). ConsumerAffairs; Zurich P&C profile rating/review count and mixed reviewer topics. Accessed 2026-09-28. 43. [Zurich American Insurance Company | BBB Business Profile](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903). BBB; Business grade, accreditation, Zurich NA description and line list. Accessed 2026-09-28. 44. [Zurich American Insurance Company | BBB Reviews | Better Business Bureau](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews). BBB; Customer Review Ratings and review count. Accessed 2026-09-28. 45. [NAIC Consumer Insurance Search](https://content.naic.org/consumer/insurance-company-search). NAIC; Company/state/line consumer complaint lookup; interactive result did not render. Accessed 2026-09-28. 46. [List of financial strength and issuer credit ratings | Zurich Insurance](https://www.zurich.com/investor-relations/ratings). Zurich Insurance Group; Current ratings for Zurich American Insurance Company. Accessed 2026-09-28. 47. [AM Best Affirms Credit Ratings of Zurich Insurance Group Ltd and Its Main Rated Subsidiaries](https://news.ambest.com/pr/PressContent.aspx?altsrc=2&refnum=37747). AM Best; September 4, 2026 affirmations for Zurich American Insurance Company. Accessed 2026-09-28. 48. [ERISA Fidelity Bond | Zurich U.S. Insurance](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond). Zurich U.S.; Product-page underwriting jurisdiction caveat; individual North American insurance entities. Accessed 2026-09-28. 49. [Workers’ Compensation Insurance | Zurich Insurance](https://www.zurichna.com/insurance/workers-compensation). Zurich U.S.; Medical management, claims reporting and worker benefits. Accessed 2026-09-28. 50. [Commercial Builders Risk Program | Zurich Insurance](https://www.zurichna.com/insurance/zpm/construction/commercial). Zurich U.S.; Builders Risk - Commercial; direct product overview and FAQ: coverage, appetite, ineligible projects, options, limits, application, geography, admission and program highlights (HTML lines 270–411). Accessed 2026-09-28. 51. [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. 52. [About Zurich U.S. | Zurich U.S. Insurance](https://www.zurichna.com/media/about-zurich). Zurich U.S.; Opening paragraphs; relationship to Zurich Insurance Group. Accessed 2026-09-28. 53. [Terms of Use from Zurich U.S. | Zurich Insurance](https://www.zurichna.com/services/terms-of-use). Zurich American Insurance Company / Zurich U.S.; §1 site operator; §5 reproduction rights; §16 Zurich American Insurance Company, NAIC 16535, and provider-published all-state/listed-territory licensing disclosure; §17 member-company list. Accessed 2026-09-29. 54. [Zurich Insurance Group Annual Results 2025](https://www.zurich.com/-/media-assets/project/zurich/dotcom/investor-relations/docs/results/2025/q4/consolidated-financial-statements-annual-results-2025.pdf). Zurich Insurance Group Ltd; Note 27, Table 27.1, printed p.126: voting rights and ownership interest at 2025-12-31. Accessed 2026-09-28. 55. [Zurich U.S. History](https://www.zurichna.com/about/history). Zurich U.S.; 2026 history page, planned transition wording; completion date not stated. Accessed 2026-09-28. 56. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers) Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28. 57. [Contact Zurich U.S.](https://www.zurichna.com/about/contact-us) Zurich U.S.; Commercial insurance contact routes. Accessed 2026-09-28. 58. [My Zurich customer portal](https://www.zurichna.com/digital-application-suite). Zurich U.S.; Existing-policyholder portal functions. Accessed 2026-09-28. 59. [Report a Claim](https://www.zurichna.com/claims/report-a-claim). Zurich U.S.; Claim notice methods and stated acknowledgment workflow. Accessed 2026-09-28. 60. [Customer Care Center](https://www.zurichna.com/about/contact-us/customer-care-center). Zurich U.S.; Published customer-care hours and contact. Accessed 2026-09-28. 61. [Zurich Producer Compensation](https://www.zurichna.com/producercompensation). Zurich U.S. (company-reported); Disclosure updated May 2026: base/contingent arrangements and independently operating program administrator exclusion. Accessed 2026-09-28. Updated 2026-09-30. 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-zurich.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)