Amelia Risk vs Mylo: Business Owner’s Policy

Mylo, a broker, compares quotes from more than 40 A-rated carriers, online or by phone with a licensed advisor; Amelia Risk arranges its BOP specifically for startup and technology clients.

Montgomery Risk Partners prepared this library from Spot.Insure comparison research and underlying public records.Research updated 2026-09-25

Mylo shops your BOP across more than 40 A-rated carriers, and you can start online or by phone. Amelia Risk places one BOP for startups and tech companies that includes hired and non-owned auto, but it doesn't name the insurer.

Sources and records

  1. 01
    Consumer Product Insurance

    Amelia Risk Insurance Brokers · Insurance policies for Consumer Product companies to consider: no Businessowners Policy line; Auto Liability (Owned and Non-Owned & Hired) listed separately instead · accessed 2026-09-23

  2. 02
    Insurance For CPG Companies

    Amelia Risk Insurance Brokers · Insurance policies for CPG companies to consider: no Businessowners Policy line; General Liability and Auto Liability (Owned and Non-Owned & Hired) listed separately instead · accessed 2026-09-23

  3. 03
    Insurance For Startups

    Amelia Risk Insurance Brokers · Insurance policies for startups to consider: Businessowners Policy (BOP) — Property, General Liability, Hired & Non-Owned Auto Liability · accessed 2026-09-23

  4. 04
    Insurance For Technology Companies

    Amelia Risk Insurance Brokers · Insurance policies for tech companies to consider: Businessowners Policy (BOP) — Property, General Liability, Hired & Non-Owned Auto Liability; separate General Liability line also listed · accessed 2026-09-23

  5. 05
    Our Specialties

    Amelia Risk Insurance Brokers · Our Process: four steps — understand the business, represent the client to insurers, review quotes and recommendation, client decides · accessed 2026-09-23

  6. 06
    Business Insurance

    Mylo · What insurance does a small business need?; Why Mylo? (40+ top-rated commercial insurance partners, 4.8 Google rating, BBB Accredited); What insurance carriers do you work with?; How do I shop for insurance with Mylo? · accessed 2026-09-23

  7. 07
    Business Owner's Policy

    Mylo · Like you, a BOP can do three things at once!; Coverage #1: general liability; Coverage #2: commercial property; Coverage #3: Business Interruption; Business Owner Policy FAQs · accessed 2026-09-23

  8. 08
    Business Interruption and Business Owner Policy

    National Association of Insurance Commissioners · Background; General liability, Commercial property and Business interruption bullets · accessed 2026-09-16

  9. 09
    Small Business

    National Association of Insurance Commissioners · FAQ: What’s a business owners policy?; What’s general liability insurance · accessed 2026-09-16

What Are the Key Differences Between Amelia Risk and Mylo Business Owner’s Policy?

Many Quotes Versus One Startup Placement

Mylo compares quotes from carriers such as Travelers, Liberty Mutual, The Hartford and Hiscox, so a shop-around business gets several prices to weigh. Amelia Risk picks one underwriter for you and doesn't say who. Choose Mylo if you're a Main Street business that wants competing quotes; choose Amelia Risk if you're a venture-backed or tech startup and want hired and non-owned auto folded into the BOP. [6] [3]

What Each Bundle Covers

Amelia Risk's BOP combines property, general liability and hired and non-owned auto, which covers you when employees drive their own or rented cars for work. It doesn't mention business interruption. Mylo's bundle includes general liability, commercial property for the building and business personal property, and business interruption for income lost during a covered shutdown. Mylo doesn't list hired auto. If a fire closing your office for a month is your worry, Mylo names that cover; if staff drive for work, Amelia Risk does. [4] [7] [3]

How You Get a Quote

You can start with Mylo online through its Mind of Mylo tool or call a licensed advisor at 844-863-5950; its agents are licensed in all 50 states. Amelia Risk sells its BOP through its brokerage quote-review process on its startup and technology pages, so expect a conversation rather than an online form. [6] [5]

What Should You Confirm in Amelia Risk and Mylo Business Owner’s Policy Quotes?

  • Ask Mylo which carrier issues the BOP you're offered. [6]
  • Ask Amelia Risk which insurer issues its BOP and whether business interruption is included. [3]
  • Ask Mylo whether hired and non-owned auto can go on the BOP or needs a separate policy. [4] [7]
  • Get limits and deductibles from both in writing; neither publishes them. [3] [7]

Provider coverage details

Amelia Risk

  • role: Amelia Risk lists a Businessowners Policy (BOP) as one of the policies it arranges for startup and technology clients, bundling several coverages under one policy rather than placing them separately. Startup and technology specialty pages' policy checklists; does not establish that every client receives a bundled BOP versus separate policies.company-reportedSource ↗Source ↗
  • coverage: Amelia Risk describes its BOP as combining property, general liability, and hired & non-owned auto liability coverage into a single policy. Bulleted policy structure on the startup and technology specialty pages; the issued policy and its forms control actual terms.company-reportedSource ↗Source ↗
  • eligibility: Amelia Risk offers the bundled BOP to its startup and technology clients specifically. Its CPG and consumer-product specialty lists do not include a BOP line; they list general liability and auto liability (owned, hired and non-owned) as separate coverages instead. Comparison of the four specialty pages' policy checklists as published; does not establish why the bundling differs by segment.company-reportedSource ↗Source ↗Source ↗Source ↗
  • insurer: The reviewed pages do not name an insurer for the BOP. As a brokerage, Amelia Risk places the policy with an underwriter chosen for the client rather than issuing it itself. Startup and technology specialty pages as read on 2026-09-23; no policy form or declarations page was available for review.not-disclosedSource ↗Source ↗
  • limits: Amelia Risk's BOP listings do not publish limits, sublimits or deductibles for the property, general liability or auto components. Startup and technology specialty pages as read on 2026-09-23.not-disclosedSource ↗Source ↗
  • services: The pages listing the BOP do not describe property inspections, safety programs or other risk-control services tied specifically to the BOP; the only service language is the general claims-advocacy and quote-review process described for all lines. Startup, technology and specialties overview pages as read on 2026-09-23.not-foundSource ↗Source ↗Source ↗

Mylo

  • role: Mylo brokers a business owner's policy by comparing quotes from multiple carriers rather than underwriting the policy itself. BOP product page and the business-insurance overview page.company-reportedSource ↗Source ↗
  • coverage: Mylo describes its BOP as bundling three coverages: general liability for third-party bodily injury, property damage and advertising-injury claims; commercial property for damage to a business's building and business personal property from causes such as fire, storm, theft or vandalism; and business interruption for lost income (actual loss sustained) during a covered shutdown. BOP product page coverage sections; the issued policy and its exclusions control.company-reportedSource ↗
  • coverage: Mylo says packaging these three coverages in a BOP instead of buying them separately typically costs less and can provide better coverage than buying each individually. BOP product page FAQ; a general company statement, not a quoted savings figure for any specific business.company-reportedSource ↗
  • eligibility: Mylo's business-insurance overview page lists a BOP among the coverages most owners start with, alongside commercial auto, workers' compensation and commercial umbrella, and says it gives each business a personalized coverage recommendation. Business-insurance overview page.company-reportedSource ↗
  • insurer: Mylo says it partners with more than 40 A-rated commercial insurance carriers and names Travelers, Liberty Mutual, The Hartford and Hiscox as examples, but neither page identifies which carrier would issue a specific business's BOP. Business-insurance overview page FAQ; the carrier panel is described company-wide, not BOP-specific.company-reportedSource ↗
  • application: Mylo says a buyer can shop for a BOP online through its Mind of Mylo recommendation tool or by phone with a licensed advisor (844-863-5950), and that Mylo has agents licensed in all 50 states. Business-insurance overview page FAQ.company-reportedSource ↗
  • limits: Neither the BOP product page nor the business-insurance overview page publishes specific coverage limits, deductibles or premium ranges. Checked both pages on 2026-09-23.not-disclosedSource ↗Source ↗

Use this comparison as a starting point for a discussion about your business and its insurance needs.

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