Is Mylo Legit? Licensing, Carriers and Reliability
Mylo has a Broker Reliability Score of 5.0/10, a partial score covering only the factors with sufficient evidence. Reliability Scores assess documented reliability within the reviewed scope; they do not predict claims payment.
Mylo Broker Reliability Score
5.0/ 10This partial Broker Reliability 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.
Assessed provider: Mylo. Scope: Mylo, LLC and its disclosed trade names as an online insurance agency and broker; the insurer remains policy-specific.
Partial score — 45% of this rubric’s factor weighting. Excluded: Identity and Authority, Regulatory Conduct
Assessed 2026-09-22 · Review due 2026-10-22
| Factor | Weight | Included | Score | Basis |
|---|---|---|---|---|
| Identity and Authority | 30% | — | Excluded | Current authority and applicable appointments or delegations have not been independently established across the assessed scope. |
| Carrier-Network Strength | 30% | 66.7%normalized | 2.0 / 4 | [1][2][5][6] |
| Regulatory Conduct | 25% | — | Excluded | A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| Disclosure Clarity | 15% | 33.3%normalized | 2.0 / 4 | [1][3][4][2][5][6] |
Included weights are normalized over the supported factors.
What Evidence Supports Spot’s Assessment of Mylo?
Role: Broker. Scope: Mylo, LLC and its disclosed trade names as an online insurance agency and broker; the insurer remains policy-specific.
Mylo 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.[1]
Mylo Licensing
Mylo Financial Strength
The cited materials do not provide Mylo’s operational financial statements or financial-strength evidence for the insurer on a generic quote.[1]
Mylo 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.[1]
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.[2][5]
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.[6][2]
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.[5][2]
Mylo Claims and Service
Mylo provides an online agency path. The cited accessible pages do not independently establish claims outcomes or a universal claims administrator.[1]
Mylo Regulatory Record
Evidence Gaps in Spot’s Review of Mylo
- 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.
Jurisdiction Searches Run for Mylo
| Jurisdiction | Result | Notes |
|---|---|---|
 MassachusettsMassachusetts Division of Insurance | Source inaccessible[3][4] | The cited Massachusetts P&C and surplus-lines list routes do not establish current Mylo authority or renewal dates in this record. |
 California | Company-reported disclosure[1] | Current Mylo business page displays trade name and 0M21171; current authority is not independently established in this record. |
 US/DC | Not researched[1] | No completed five-year conduct result is established for the stated scope. |
Mylo Licenses and Authority Records
These are reviewed authority records for the named legal entities and scope. A license record does not establish that a particular policy is available, bound, or suitable.
| Entity and jurisdiction | Identifier | License class and authority |
|---|---|---|
| Mylo, LLCCalifornia | State license: 0M21171[1] | License displayed by Mylo for Mylo Insurance Solutions, LLC trade name; Company-reported; current CDI record not independently established in this record |
Sources for Mylo Reliability Research
- Small 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. 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. 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. 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. 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. 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.
Which Coverage Lines Does Spot Document for Mylo?
Product pages for coverage lines documented for Mylo.
- Mylo Business Owner’s Policy
- Mylo Commercial Auto Insurance
- Mylo Cyber Insurance
- Mylo Employee Health Benefits
- Mylo General Liability Insurance
- Mylo Medical Malpractice Insurance
- Mylo Professional Liability (E&O) Insurance
- Mylo Surety Bonds
- Mylo Umbrella and Excess Liability Insurance
- Mylo Workers’ Compensation Insurance
