CAMICO Mutual Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Our CAMICO Mutual Insurance Company Score
2 Stars
We award CAMICO Mutual Insurance Company a final rating of 2 out of 5 stars. The carrier is highly rated by AM Best and the Better Business Bureau (BBB). However, it's not BBB-accredited, and customer feedback is difficult to find.
Founded in 1986, CAMICO Mutual Insurance Company has been in the industry for nearly four decades. CAMICO was originally founded by CPAs and specializes in coverage for CPAs, including specific CPA professional liability insurance. The insurance company also offers several other forms of coverage, including workers' comp, business owners package, and cyber coverage. The carrier's headquarters are in San Mateo, CA.
If you're in need of business coverage for your CPA firm, CAMICO may have the products you're looking for. Overall, we recommend exploring several options with your independent insurance agent, including CAMICO Mutual Insurance Company, to find a trusted carrier for your next policy.
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To find insurance in your state, use our national insurance company directory to find the best company that meets your needs. You can locate insurance companies that specialize in your specific coverage requirements and get connected to an agent near you.
CAMICO Insurance Products by Type
Here's a look at some of the insurance products offered by CAMICO Mutual Insurance Company.
Business Insurance:
- Professional liability insurance
- Workers' compensation insurance
- Employment practices liability insurance
- Business owners package insurance
- Cyber liability insurance
CAMICO Business Owners Package Insurance
CAMICO's business owners package insurance provides the basics you need to protect your business, such as coverage for your buildings and other property. General liability and loss of income coverage are included. Customers can also add coverage for business vehicles and more. Here are some of the additional coverages you can find in a BOP from CAMICO.
Coverage types, features, & benefits:
Equipment breakdown
CAMICO's BOP insurance provides coverage for important business equipment that breaks down due to a covered cause, such as mechanical failure or a power outage caused by lightning.
Valuable papers and records
CAMICO's BOP insurance provides coverage for valuable papers and records if they're lost, stolen, or damaged by a covered cause such as fire or theft.
Computers and media
CAMICO's BOP insurance provides coverage for your business's computers and electronic media if they're lost, stolen, or damaged by a covered cause such as fire or theft. This coverage is also available for money and securities.
Commercial umbrella
CAMICO's BOP insurance comes with general liability coverage limits of $1-$2 million, but a commercial umbrella policy can be added to increase your business's protection to $2-$4 million and greater.
CAMICO Business Insurance Average Prices
CAMICO does not make its average business insurance rates readily available online without requesting a quote. However, an independent insurance agent can help you find specific quotes for the exact amount of commercial insurance you need and also compare quotes from multiple carriers for you. You can get a better idea of how much a commercial insurance policy might cost you by using our business insurance calculator.
What Discounts Does CAMICO Offer?
CAMICO does not make information about its specific coverage discounts readily available. However, an independent insurance agent can help you find these details. Independent insurance agents work hard to find the most money-saving hacks and other discounts on your coverage.
CAMICO Customer Service
Here's an overview of CAMICO's customer service options and availability.
- Phone
- Online contact form
- Online claims reporting
- Snail mail
- Phone customer service department has the following hours:
| Day(s) | Hours (PST) | ||
| Monday-Friday | 7 am-5 pm | ||
| Saturday | CLOSED | ||
| Sunday | CLOSED |
To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.
CAMICO Mutual Insurance Company FAQs
CAMICO states it will follow up with customers within 1-2 business days of filing a claim.
CAMICO is available during extended hours by phone during the week. The carrier also allows customers to contact it by email, snail mail, or online contact form.
CAMICO does not provide a specific step-by-step claims process. An independent insurance agent can file claims for you, though, and keep you updated through every step of the process.
CAMICO's website could be laid out a bit more intuitively. The website would also benefit from more details about claims processing, discounts, etc. However, CAMICO does have a social media presence on YouTube, X, Facebook, and LinkedIn. Overall, CAMICO falls a bit short in the user-friendliness department compared to other modern carriers.
CAMICO offers cyber coverage along with many other products. The carrier's cyber insurance has the following features:
- Privacy breach response cost: Covers expenses related to credit monitoring, advertising, PR, forensic IT fees, and more.
- Network asset protection: Covers expenses related to recovering or restoring compromised, damaged, lost, etc. data. Business interruption costs are also covered.
- Cyber extortion: Covers extortion expenses resulting from cyber extortion threats.
- Cyber terrorism: Covers income loss and business interruptions caused by cyber terrorist attacks.
An independent insurance agent can help you decide if CAMICO's cyber insurance or any of its other products are a good match for you or your company.
CAMICO has over three decades of experience and holds excellent ratings from AM Best and the BBB. However, the carrier is not BBB-accredited. It's also challenging to find any customer feedback about the carrier, so we're hesitant to recommend CAMICO as a good insurance company at this time.
CAMICO's insurance products are targeted towards CPAs in need of various types of business insurance. The carrier offers cyber coverage, business owners package insurance, liability coverage, and more to protect your CPA business.
https://camico.com/
https://ratings.ambest.com/CompanyProfile.aspx?BL=0&ambnum=10748&AltNum=163110748&AltSrc=3
https://www.bbb.org/us/ca/san-mateo/profile/insurance-services-office/camico-mutal-insurance-company-1116-64708