Hub International vs Mylo: Commercial Auto Insurance

HUB International has you contact a broker and targets fleets and transportation providers; Mylo compares carrier quotes for general businesses and bundles with personal car or home cover.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-09-25

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

Fleet Options vs. Quote Comparison and Bundling

Mylo describes quote comparison across multiple carriers and possible personal auto or home bundling. Choose HUB if your fleet needs long- or short-haul, towing or lease-gap options; choose Mylo if comparing markets or bundling personal policies is your priority. [2] [5]

Haul Options Versus Non-Owned Auto Emphasis

HUB lists long- and short-haul transportation, hired and non-owned exposures, uninsured motorists, medical payments, towing and lease gap. Mylo describes mandatory liability plus optional collision, comprehensive and non-owned auto, and warns about liability on a work detour in a personal car. Both mention non-owned auto; HUB also names towing, lease gap and haul length, which Mylo’s reviewed page does not. [2] [5]

How Each Broker Starts the Quote

HUB directs prospects to contact a HUB broker, with no online quote or bind flow described. Mylo says it recommends coverage for the business, compares commercial auto quotes from carriers it calls top-rated, and looks for a combination of coverage and price, and it also describes bundling with personal car or home insurance. Both are broker paths; one is a named contact, the other is a comparison-and-bundle process. [2] [5]

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

  • Ask HUB for haul, towing and lease-gap terms and Mylo whether those items appear on any of the compared markets. [2] [5]
  • If employees use personal cars, confirm non-owned auto on both quotes. [5] [2]
  • Decide whether a Mylo personal-lines bundle is in play; HUB’s reviewed auto page does not mention personal auto or home. [5]
  • Get issuing insurers and limits from both; neither page publishes them. [2] [5]

Coverage topics

HUB International

  • role: HUB brokers commercial auto insurance for fleets and transportation businesses rather than underwriting the policy itself. Commercial auto product page as read 2026-09-23; the page does not name an issuing insurer.company-reportedSource ↗
  • coverage: HUB lists commercial auto coverage options including long- and short-haul transportation, hired and non-owned auto exposures, uninsured/underinsured motorist protection, medical payments, towing and lease gap coverage, alongside property damage and bodily injury protection. Product-page coverage list; the issued policy and its exclusions control an actual claim.company-reportedSource ↗
  • eligibility: HUB positions this line for businesses operating commercial auto fleets and transportation-industry providers. Product-page description; not a published underwriting appetite by fleet size or vehicle class.company-reportedSource ↗
  • services: HUB says it applies complex risk and analytics tools to benchmark programs and reduce total cost of risk, and cross-promotes Fleet Risk Management and Workplace Safety Management as complementary services for commercial auto clients. Product-page service description; a company-reported capability, not an independently assessed outcome.company-reportedSource ↗
  • insurer: The commercial auto product page does not name an issuing insurer; HUB places commercial auto business with insurers that vary by client and placement. Checked the commercial auto product page on 2026-09-23; no carrier is disclosed there.not-foundSource ↗
  • application: HUB directs prospects to contact a HUB broker to get started; no online quote or bind flow is described on the page. Product-page call to action as read 2026-09-23.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 ↗

HUB lists haul, hired/non-owned, towing and lease-gap options for fleets; Mylo compares carrier quotes and offers non-owned auto plus personal-auto or home bundling.

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 Broker Policy & Coverage

    HUB International · Coverage list: long- and short-haul transportation, hired and non-owned exposures, uninsured/underinsured motorists, medical payments, towing, lease gap; property damage and bodily injury; fleet-risk and complex risk analytics services; Contact a HUB broker · accessed 2026-09-23

  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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