Mylo vs Three: Commercial Auto Insurance

Mylo is a broker comparing carriers for standalone commercial auto; THREE by Berkshire Hathaway lists business auto only inside its business owner's policy, quoted online.

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

Coverage topics

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 ↗

THREE by Berkshire Hathaway

  • role: THREE presents Business Auto as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. Company-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant.company-reportedSource ↗
  • coverage: THREE's Business Owners Policy page lists Business Auto among its marketed coverage categories in the combined policy. This describes the product page, not whether the category appears in a particular quote or responds to a loss. Official THREE package marketing for Business Auto. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy.company-reportedSource ↗Source ↗
  • insurer: The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. This is the issuer named on the public sample only; the sample does not establish the issuing entity for every state-specific quote or buyer's issued policy.company-reportedSource ↗
  • application: THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. This is the route for the overall THREE product. It does not show whether Business Auto will be offered for a particular business or whether a customer can bind that line without an issued policy.company-reportedSource ↗
  • limits: The reviewed public product page does not state a separate limit or deductible for Business Auto; THREE says the quote-specific insurance summary lists limits and deductibles. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible.not-disclosedSource ↗Source ↗
  • eligibility: The reviewed product page does not state separate eligibility rules for Business Auto; the general quote and advisor route is not proof that a particular business qualifies for it. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms.not-disclosedSource ↗Source ↗

What Are the Key Differences Between Mylo and THREE by Berkshire Hathaway Commercial Auto Insurance?

Employee-owned vehicles

Mylo recommends non-owned auto when employees drive personal vehicles for work and notes that a business can face liability even when a work errand is combined with a personal stop. It describes commercial auto as a brokered placement that can include liability and optional collision, comprehensive, and non-owned-auto coverage. THREE lists Business Auto within its BOP but does not mention employee-owned vehicles. If staff drive their own cars, ask for the specific HNOA endorsement and which work uses it covers. [7] [1]

Quote comparison and package placement

Mylo says it compares carrier offers and customizes recommendations; it may bundle commercial auto with personal auto or home insurance. THREE provides an online quote with licensed advisor help, while its product description frames Business Auto as part of the package. Ask both to name the insurer and show vehicle limits, and request any bundled discount separately from the auto premium. [7] [2]

What Should You Confirm in Mylo and THREE by Berkshire Hathaway Commercial Auto Insurance Quotes?

  • Ask Mylo which carrier, HNOA endorsement, and employee uses apply. [7]
  • Ask THREE whether its Business Auto covers personal vehicles used for work and identify limits. [1]
  • Compare carrier names and any bundling discount. [7] [2]

Mylo brokers commercial auto and recommends non-owned auto when employees use personal vehicles for work. THREE lists Business Auto in its BOP and directs prospects to an online quote with advisor support.

Source material

  1. 01
    Business Owners Policy - THREE by Berkshire Hathaway

    Berkshire Hathaway Direct Insurance Company, dba THREE · Product page: “No need for multiple policies” and one comprehensive policy; Business Liability, Property and Business Auto categories and the listed line names. Product page footer identifies Berkshire Hathaway Direct Insurance Company, dba THREE. · accessed 2026-09-30

  2. 02
    Jargon-free small business insurance - THREE by Berkshire Hathaway

    Berkshire Hathaway Direct Insurance Company, dba THREE · Lines 23, 39, 70–81 and 406–410: business location quote entry, single-policy description, issuer, business focus, online quote and licensed Small Business Advisor route. Quote entry inspected without submitting a form. · accessed 2026-09-30

  3. 03
    The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway

    Berkshire Hathaway Direct Insurance Company, dba THREE · State-selectable sample policy: Summary (Declarations) identifies Berkshire Hathaway Direct Insurance Company as issuer and says the insurance summary lists limits and deductibles; sample policy text and state selection do not establish terms for a particular quote or issued policy. · accessed 2026-09-30

  4. 04
    Commercial Insurance Guide

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

  5. 05
    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

  6. 06
    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

  7. 07
    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

  8. 08
    Auto Insurance

    NAIC · Coverages · accessed 2026-09-16

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