CNA vs Mylo: Commercial Auto Insurance

Mylo is a broker that compares quotes and flags non-owned auto for employees' personal cars; CNA covers owned, hired and non-owned business vehicles directly in one commercial auto form.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-09-30

CNA explicitly includes owned, hired and non-owned business vehicles in its liability description. Mylo compares carrier quotes and discusses optional non-owned-auto protection for employees who drive personal vehicles.

What Are the Key Differences Between CNA and Mylo Commercial Auto Insurance?

Employee Vehicles and Business Autos

CNA describes liability for owned, hired and non-owned vehicles used in business. Mylo explains that non-owned-auto coverage may matter when employees use personal cars for work, including a mixed personal/work trip, and says its recommendations depend on the business and vehicle mix. Both records recognize non-owned exposures, but Mylo focuses on the employee-car scenario while CNA states its broader vehicle categories. Ask how the policy responds when an employee uses a personal car for a work errand. [2] [5] [5]

Safety Services and Market Comparison

CNA names Driver Distractions/Cargo Securement programs and claims support. Mylo says it compares quotes from multiple carriers and may bundle auto with personal auto or home coverage, but its product page does not identify the carrier for a particular business policy. One route emphasizes CNA's listed fleet services; the other comparison process asks you to evaluate several carrier offers. [2] [5] [5]

What Should You Confirm in CNA and Mylo Commercial Auto Insurance Quotes?

  • Ask Mylo which carrier, non-owned-auto terms, limits and deductible apply. [5] [5]
  • Ask CNA whether its schedule includes employee-owned vehicles and Drive Other Car. [2]

Coverage topics

CNA

  • coverage: CNA commercial auto covers business-use owned, hired and non-owned vehicles for bodily injury/property damage. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial auto Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • coverage: CNA lists automobile liability and physical damage, and an optional Drive Other Car endorsement for executives. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial auto Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • services: CNA names Driver Distractions/Cargo Securement programs and claims support. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial auto Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗

Mylo

  • role: Mylo brokers commercial auto insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. Commercial auto product page.company-reportedSource ↗
  • coverage: Mylo describes a commercial auto policy as potentially including mandatory bodily-injury and property-damage liability, plus optional collision, comprehensive and non-owned-auto coverage depending on the business and its vehicles. Commercial auto product page coverage list; the issued policy and its exclusions control.company-reportedSource ↗
  • coverage: Mylo recommends non-owned auto coverage for businesses whose employees drive personal vehicles for work, warning that a business can be held liable for an accident even during what a court calls a work "detour," such as a personal errand combined with a work task. Commercial auto product page FAQ; a general explanation, not a specific policy's terms.company-reportedSource ↗
  • eligibility: Mylo says all states require commercial auto liability coverage for any business that owns or leases vehicles used on the job. Commercial auto product page.company-reportedSource ↗
  • application: Mylo says it recommends coverage customized to the business, compares quotes for commercial auto from top-rated carriers, and finds a combination of coverage and price; it also offers bundling with personal car or home insurance for additional savings. Commercial auto product page "How will Mylo find me the right policy?" section.company-reportedSource ↗
  • insurer: The commercial auto product page does not name the insurer that would issue a given business's policy. Checked the commercial auto product page on 2026-09-23.not-disclosedSource ↗
  • limits: The commercial auto product page does not publish specific liability limits, deductibles or premium ranges. Checked the commercial auto product page on 2026-09-23.not-disclosedSource ↗

Source material

  1. 01
    Commercial Insurance Guide

    California Department of Insurance · Commercial Automobile: Coverage, Classification and Limits · accessed 2026-09-16

  2. 02
    Commercial Auto Insurance for Businesses | CNA Insurance

    CNA · Coverages, endorsements, risk control, claims · accessed 2026-09-28

  3. 03
    Business Vehicle Insurance

    Insurance Information Institute · Will My Personal Auto Policy Cover Business Use?; What Vehicles Are Covered?; What Coverage Do I Need if Employees Drive Their Personal Vehicles for Business?; Does a Business Umbrella Cover Autos?; Do I Need a Business Auto Policy?; Be Sure the Right Insured Is on the Policy · accessed 2026-09-16

  4. 04
    Business Auto Coverage Form

    Insurance Services Office, Inc.; hosted by National General · I.A, printed/PDF page 1; II.A.1, printed/PDF page 2; III.C–D, printed/PDF page 6; II.B.6, printed/PDF page 3; III.B.3, printed/PDF page 6 · accessed 2026-09-16

  5. 05
    Commercial Auto

    Mylo · Commercial auto savings for a business on the move; What commercial auto insurance do I need?; Commercial auto insurance FAQs (non-owned auto, liability vs. collision vs. comprehensive); How will Mylo find me the right policy? · accessed 2026-09-23

  6. 06
    Auto Insurance

    NAIC · Coverages · accessed 2026-09-16

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