Mylo vs Pie Insurance: How Do They Compare for Business Insurance?

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. ^1,2Company-reported. 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.

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. ^2,16,17Verified. 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.

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. ^1,3,18,19Verified. 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.

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. ^15,16Company-reported. Partner-distribution model described by Mylo and Group 1001. The sources do not establish the legal role for every partner implementation.

Small businesses can buy Pie’s workers’ compensation directly or through agents; affiliated insurers underwrite workers’ comp, while outside insurers provide some other Pie products. ^{22,25,23,27,28,29,30}Company-reported. Current public Pie brand and US small-business insurance services; this describes group roles, not a promise that every product is available to every applicant.

If parent-company ownership matters, Pie Group Holdings, Inc. owns the website and is regulator-listed parent of Pie Casualty; AM Best identifies the insurer group as Pie Insurance Group. ^24,44,42Verified. Website ownership and the parent shown for Pie Casualty Insurance Company; no claim about voting control or every intermediate subsidiary.

Pie Insurance Services, Inc. is the producer that sells and administers policies; verify its current license in your state because Pie’s own license page is not regulator confirmation. ^25,45Company-reported. Producer identity and Pie-published US license list; Wisconsin’s regulator separately identifies this entity in a 2024 administrative action.

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. ^1,3Company-reported. 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.

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. ³Company-reported. 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.

Small businesses can start a workers’ compensation quote online or through an insurance agent; agencies use a separate partner portal. ^22,21,23Company-reported. Workers’ compensation access for small businesses and agencies; other product pages direct buyers to quote or contact flows but do not document the same process.

Have your ZIP, payroll and class-code details ready for a Pie workers’ compensation quote; its online intake begins with ZIP code. ^26,23Company-reported. Unauthenticated first step and Pie’s description of workers’ compensation quote inputs; no data was entered and the flow was not advanced.

Pie advertises a workers’ compensation quote in about three minutes, but this company estimate does not predict underwriting or binding time. ^23,21Company-reported. Workers’ compensation quote marketing; no timed independent quote test was performed.

Mylo says it has agents licensed in all 50 states. Current Massachusetts regulator lists independently show Mylo, LLC under NPN 18590034 for property-and-casualty and surplus-lines authority in that state, but the reviewed sources do not establish every product’s availability in every state. ^1,19,20Company-reported. National licensing is a company statement with one-state independent corroboration. Product, insurer and class eligibility must be checked for the applicant’s state.

Confirm all work locations and class codes before relying on Pie workers’ comp: sources conflict between availability in 40 states plus DC and 39 states plus DC. ^{31,32,21,33,42}Conflicting sources. Public workers’ compensation footprint as of 15 September 2026; the state-page selector, document library and other marketing surfaces were not internally consistent.

Ask if Pie’s partner-issued BOP, cyber, GL or professional policy is available in your state; the reviewed pages give no product-state map and Pie’s terms limit availability. ^{27,28,30,29,24}Not publicly disclosed. Public availability for Pie’s partner-carrier products; no quote or contact form was submitted.

Mylo says its guided shopping service is free and that 95% of customers do not pay Mylo a fee when purchasing. It generally earns a carrier commission; in fewer than 5% of transactions, it says it charges a fee when it handles billing and incurs higher administrative costs. The reviewed disclosure does not give the fee amount. ²Company-reported. Company-wide consumer disclosure on Mylo’s About page. It does not identify the commission or fee for a specific commercial placement.

Workers’ comp buyers can choose annual, semiannual, quarterly, monthly or pay-as-you-go plans; pay-as-you-go follows reported payroll without a deposit, while monthly plans require 16.6% upfront and ten payments. ^37,38Company-reported. Pie’s current workers’ compensation payment pages; actual availability and policy-specific charges need confirmation in the quote.

Include Pie’s 3% card fee in your quote comparison for eligible new single-state workers’ comp policies, except in Florida, Nebraska, Maryland and Rhode Island; the page does not specify multi-state or renewal fees. ³⁷Company-reported. Credit-card payments for new single-state workers’ compensation policies under the current payment-options page.

Ask the state-specific price before requesting a waiver of subrogation because Pie charges for each specific or blanket waiver but publishes no amount. ³⁶Not publicly disclosed. Workers’ compensation waiver requests through Pie’s published service process.

Ask your agent what commission applies because Pie says partner agents earn commissions on workers’ comp policies, but current pages publish no standard rate. ^41,25Not publicly disclosed. Agency-distributed workers’ compensation and other third-party placements; expired promotional incentives were not treated as current standard compensation.

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. ^1,4,14Not found in reviewed sources. Public direct-business, carrier-contact and group-benefits pages reviewed on 15 September 2026. Carrier- or policy-specific service may still be available.

Pie policyholders can manage payments, download documents and request workers’ comp certificates online; custom certificates may require your agent. ^35,36Company-reported. Published workers’ compensation account tutorial; authenticated features were not accessed or independently tested.

Budget for a workers’ comp premium audit: Pie replaces estimated payroll with actual figures and may request payroll, employee, expense and subcontractor records, which can change your final premium. ³⁹Company-reported. Pie workers’ compensation premium audit process; the page does not quantify any resulting additional charge or refund.

Pie’s consumer FAQ describes a workers’ compensation renewal quote about 30 days before expiry for review and acceptance. Its agency FAQ says previews for policies under $20,000 go to the insured with the agency copied, while previews for policies over $20,000 go to the producer; unless otherwise notified, the deposit is drafted and the renewal issued five days before its effective date. The FAQ does not specify the exact-$20,000 case. Ask which notice and payment process applies to your account. ^36,41Company-reported. Different company-published consumer and agency descriptions of workers’ compensation renewal. Neither guarantees renewal or unchanged terms; the account notice determines the applicable process.