---
title: "How Reliable Is Mylo?"
description: "Mylo reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score."
canonical: "https://spot.insure/insurance-providers/mylo/reliability"
page-type: "reliability-article"
updated-at: "2026-09-22"
verified-at: "2026-09-22"
entities: ["Spot"]
---

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[Human-readable page](https://spot.insure/insurance-providers/mylo/reliability)

# How Reliable Is Mylo?

Mylo reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score.

## Assessment

- **Role:** Broker

- **Scope:** Mylo, LLC and its disclosed trade names as an online insurance agency and broker; the insurer remains policy-specific.

This partial Broker Spot Score covers carrier-network strength, disclosure clarity within the stated scope. It uses 45% of the rubric’s factor weighting, normalized to a ten-point scale. The excluded factors remain unknown, and evidence for one program does not describe another.

- **Broker Spot Score:** **5.0/10**
- **Role:** Broker
- **Scope:** Mylo, LLC and its disclosed trade names as an online insurance agency and broker; the insurer remains policy-specific.
- **Assessed:** 2026-09-22
- **Review due:** 2026-10-22
- **Factor basis:** Partial score; **45%** of this role’s weighting included. Included: Carrier-Network Strength, Disclosure Clarity. Excluded: 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..

- **Methodology:** [How we calculate the Spot Score](/spot-rating)

- **Provider profile:** [Mylo](/insurance-providers/mylo)

## Entities and roles

| Entity | Role | Sources |
| --- | --- | --- |
| Mylo, LLC | Insurance agency and broker operating ChooseMylo.com; state trade names disclosed on current site | [Small Business Insurance](https://choosemylo.com/business/business-insurance), [Licensed Property and Casualty Agencies](https://www.mass.gov/doc/licensed-p-and-c-agenciespdf/download) |

## Research summary

Mylo’s current business page identifies Mylo, LLC and state trade names, including California license 0M21171, and presents the business as an agency connecting customers with insurance options. The cited Massachusetts list routes do not establish a current Mylo license status or date in this record. The cited materials do not identify a generic quote’s insurer or establish insurer financial strength. [Small Business Insurance](https://choosemylo.com/business/business-insurance), [Licensed Property and Casualty Agencies](https://www.mass.gov/doc/licensed-p-and-c-agenciespdf/download)

### Legal Identity

Mylo’s current business page identifies Mylo, LLC and says it does business as Mylo Insurance Solutions, LLC in California, Illinois, Michigan and North Dakota, and as Mylo Solutions, LLC in New York. [Small Business Insurance](https://choosemylo.com/business/business-insurance)

### Licensing

Mylo’s current business page displays California license 0M21171 for the Mylo Insurance Solutions, LLC trade name. The cited Massachusetts P&C and surplus-lines list routes do not establish a current Mylo license status or date, so no Massachusetts license row is asserted here. [Licensed Property and Casualty Agencies](https://www.mass.gov/doc/licensed-p-and-c-agenciespdf/download), [Licensed Surplus Lines Broker Agencies](https://www.mass.gov/doc/licensed-surplus-lines-brokers-agenciespdf-0/download), [Small Business Insurance](https://choosemylo.com/business/business-insurance)

### Financial Strength

The cited materials do not provide Mylo’s operational financial statements or financial-strength evidence for the insurer on a generic quote. [Small Business Insurance](https://choosemylo.com/business/business-insurance)

### Risk-Bearing Relationships

Mylo markets commercial products including BOP, commercial auto, general liability, cyber and workers compensation, but the cited generic pages do not assign one carrier to every line. The actual issuer remains policy-specific. [Small Business Insurance](https://choosemylo.com/business/business-insurance)

Mylo names its carriers on its own site. Its “Contact your insurance carrier” page lists Acuity (auto and home, and business), Biberk (business), CNA (business), Chubb (business, and auto and home), The General (auto and home), The Hartford (auto and home, and business), Hiscox (business), Liberty Mutual (auto and home, and business) and Progressive (general customer service, and business), each with that carrier’s own support and claims telephone numbers. The page tells a customer whose carrier is absent to call Mylo because “we have a wide range of partners and our list may not be updated with all of them,” and Mylo’s homepage states that Mylo partners with over 100 A rated insurance carriers, so the published list is a serviced subset rather than the full panel. [Contact Your Carrier](https://choosemylo.com/contact-your-carrier), [Mylo Homepage](https://choosemylo.com/)

Liberty Mutual publishes the same relationship from its own side: its independent-agent directory lists MYLO LLC at 2020 W 89th St Ste 305, Leawood, Kansas, with named agency staff. That is carrier-published corroboration that Liberty Mutual presents Mylo as one of its independent agents. It states no lines, states, limits or binding authority, and no equivalent carrier-published record was located for the other eight carriers Mylo names. [Mylo LLC — Local agents in Leawood, KS](https://agents.libertymutual.com/find-an-agent/state/kansas/leawood/mylo-llc_4868941577), [Contact Your Carrier](https://choosemylo.com/contact-your-carrier)

Mylo’s disclosures do not map a carrier to a product or a state, and the published list mixes personal and commercial lines, so a commercial buyer still has to read the issuing insurer off the quote and policy. The “A rated” and “100+ carriers” descriptions are Mylo’s own; no current financial-strength rating is independently verified here, and a carrier’s rating does not transfer to Mylo. [Mylo Homepage](https://choosemylo.com/), [Contact Your Carrier](https://choosemylo.com/contact-your-carrier)

### Claims and Service

Mylo provides an online agency path. The cited accessible pages do not independently establish claims outcomes or a universal claims administrator. [Small Business Insurance](https://choosemylo.com/business/business-insurance)

### Regulatory Record

The cited Massachusetts P&C and surplus-lines list routes do not establish current agency authority in this record. Mylo’s California identifier remains company-published, and no completed five-year conduct result is established for the stated scope. [Licensed Property and Casualty Agencies](https://www.mass.gov/doc/licensed-p-and-c-agenciespdf/download), [Licensed Surplus Lines Broker Agencies](https://www.mass.gov/doc/licensed-surplus-lines-brokers-agenciespdf-0/download)

## Licenses and authority

| Entity | Jurisdiction | Identifier | Number | License type | Authority | Status | Verified | Sources |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Mylo, LLC | CA | State license | 0M21171 | License displayed by Mylo for Mylo Insurance Solutions, LLC trade name | Company-reported; current CDI record not independently established in this record | Company-reported | 2026-09-21 | [Small Business Insurance](https://choosemylo.com/business/business-insurance) |

## Jurisdiction searches

| Jurisdiction | Result | Notes | Sources |
| --- | --- | --- | --- |
| MA | Inaccessible | The cited Massachusetts P&C and surplus-lines list routes do not establish current Mylo authority or renewal dates in this record. | [Licensed Property and Casualty Agencies](https://www.mass.gov/doc/licensed-p-and-c-agenciespdf/download), [Licensed Surplus Lines Broker Agencies](https://www.mass.gov/doc/licensed-surplus-lines-brokers-agenciespdf-0/download) |
| CA | Company-reported | Current Mylo business page displays trade name and 0M21171; current authority is not independently established in this record. | [Small Business Insurance](https://choosemylo.com/business/business-insurance) |
| US/DC | Not researched | No completed five-year conduct result is established for the stated scope. | [Small Business Insurance](https://choosemylo.com/business/business-insurance) |

## Rating dimensions

### Broker Spot Score

Included weighting: **45%** of the original dimensions. Contributions are normalized over included weighting. Excluded factors:
- **Identity and Authority:** Current authority and applicable appointments or delegations have not been independently established across the assessed scope. [Small Business Insurance](https://choosemylo.com/business/business-insurance), [Licensed Property and Casualty Agencies](https://www.mass.gov/doc/licensed-p-and-c-agenciespdf/download), [Licensed Surplus Lines Broker Agencies](https://www.mass.gov/doc/licensed-surplus-lines-brokers-agenciespdf-0/download)
- **Regulatory Conduct:** A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. [Licensed Property and Casualty Agencies](https://www.mass.gov/doc/licensed-p-and-c-agenciespdf/download), [Licensed Surplus Lines Broker Agencies](https://www.mass.gov/doc/licensed-surplus-lines-brokers-agenciespdf-0/download)
| Dimension | Score (0–4) | Weight | Contribution (/10) | Sources |
| --- | ---: | ---: | ---: | --- |
| Carrier-Network Strength | 2 | 30% | 3.33 | [Small Business Insurance](https://choosemylo.com/business/business-insurance), [Contact Your Carrier](https://choosemylo.com/contact-your-carrier), [Mylo Homepage](https://choosemylo.com/), [Mylo LLC — Local agents in Leawood, KS](https://agents.libertymutual.com/find-an-agent/state/kansas/leawood/mylo-llc_4868941577) |
| Disclosure Clarity | 2.04 | 15% | 1.70 | [Small Business Insurance](https://choosemylo.com/business/business-insurance), [Licensed Property and Casualty Agencies](https://www.mass.gov/doc/licensed-p-and-c-agenciespdf/download), [Licensed Surplus Lines Broker Agencies](https://www.mass.gov/doc/licensed-surplus-lines-brokers-agenciespdf-0/download), [Contact Your Carrier](https://choosemylo.com/contact-your-carrier), [Mylo Homepage](https://choosemylo.com/), [Mylo LLC — Local agents in Leawood, KS](https://agents.libertymutual.com/find-an-agent/state/kansas/leawood/mylo-llc_4868941577) |

## Evidence gaps

- Complete current license and appointment coverage outside Massachusetts was not independently established in this record.
- Generic product pages do not identify carrier-by-line and state-specific issuer mapping.
- Mylo operational financials, claims performance and five-year conduct search remain unresolved.
- Mylo publishes nine named carriers but no carrier-to-product or carrier-to-state mapping, and its “100+ A rated carriers” figure is company-reported and unverified.
- Only the Liberty Mutual relationship is corroborated by a carrier-published source, and that listing states no lines, states, limits or binding authority; no carrier-published record was located for the other eight named carriers.

## Related terms

- [What Is an Insurance Broker?](/insurance-glossary/insurance-broker)
- [What Is an Insurance Producer License?](/insurance-glossary/insurance-producer-license)
- [What Is a National Producer Number?](/insurance-glossary/national-producer-number)
- [What Is an AM Best Rating?](/insurance-glossary/am-best-rating)

## Sources

- [Small Business Insurance](https://choosemylo.com/business/business-insurance) — Mylo, LLC; Current footer naming Mylo, LLC, state trade names and California license 0M21171; commercial product catalogue; accessed 2026-09-21.
- [Contact Your Carrier](https://choosemylo.com/contact-your-carrier) — Mylo, LLC; Customer instruction to contact the carrier for policy matters; “Contact your insurance carrier” list naming Acuity, Biberk, CNA, Chubb, The General, The Hartford, Hiscox, Liberty Mutual and Progressive by product line with each carrier’s support and claims numbers, and the note that the list may not include all partners; accessed 2026-09-22.
- [Licensed Property and Casualty Agencies](https://www.mass.gov/doc/licensed-p-and-c-agenciespdf/download) — Massachusetts Division of Insurance; Massachusetts P&C agency-list route; current Mylo authority and date are not established in this record.; accessed 2026-09-21.
- [Licensed Surplus Lines Broker Agencies](https://www.mass.gov/doc/licensed-surplus-lines-brokers-agenciespdf-0/download) — Massachusetts Division of Insurance; Massachusetts surplus-lines agency-list route; current Mylo authority and date are not established in this record.; accessed 2026-09-21.
- [Mylo Homepage](https://choosemylo.com/) — Mylo; FAQ “How many carriers does Mylo work with?” stating that Mylo partners with over 100 A rated insurance carriers; “Shop 100+ top-rated carriers” panel; commission statement naming carrier partners; accessed 2026-09-22.
- [Mylo LLC — Local agents in Leawood, KS](https://agents.libertymutual.com/find-an-agent/state/kansas/leawood/mylo-llc_4868941577) — Liberty Mutual; Agency listing for MYLO LLC at 2020 W 89TH ST STE 305, Leawood, KS 66206, telephone 844-213-1745, with named agency staff and Liberty Mutual’s standard independent-agent description; accessed 2026-09-22.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance-providers/mylo/reliability.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)