CAMICO Mutual Insurance Company Review

We've looked at over 1,000 insurance companies, rating them on strength, accessibility, and service to find the best ones. Here's what people think about CAMICO Mutual Insurance Company.
Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for by authoring consumable, understandable content.


CAMICO Mutual Insurance Company at a Glance

  • Founded in 1986
  • Offers several CPA business coverages
  • Rated "B++" (good) by AM Best
  • Rated "A+" (excellent) by the Better Business Bureau (BBB)

CAMICO pros: Longstanding carrier. High rating by the BBB. Coverage available in most states.

CAMICO cons: Lower AM Best rating than many other carriers. Difficult to find customer feedback. Not BBB accredited. 

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

What Type of Insurance Does CAMICO Offer?

Here's a look at some of the insurance products offered by CAMICO Mutual Insurance Company.

  • Professional liability insurance
  • Workers' compensation
  • Employment practices liability insurance
  • Business owners package
  • Cyber liability insurance

Your independent insurance agent can help you find more information about the coverages offered by CAMICO, and help you decide if this insurance company is right for you.

What to Know about CAMICO Mutual Insurance Company

Founded in 1986, CAMICO Mutual Insurance Company has been in the industry for more than three decades. The insurance company offers several forms of coverage including workers' comp, business owners package, and cyber liability. The carrier's headquarters is in San Mateo, CA.

CAMICO specializes in coverage for CPAs, including specific CPA professional liability insurance. The insurance company was originally founded by CPAs. Today, the carrier has more than 8,300 professional clients in 45 states and DC.

CAMICO's rating by AM Best is not as strong as many modern carriers'. AM Best gives CAMICO Mutual Insurance an overall “B++” rating, indicating the carrier is a good choice in terms of financial strength and reputability.

Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and annual report. 

What Discounts Does CAMICO Offer?

CAMICO does not make information about their specific coverage discounts readily available. However, an independent insurance agent can help find these details for you. Independent insurance agents work hard to find you 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 
  • Email
  • Snail mail
  • Phone customer service department has the following hours:

Day Hours (PST)

Monday-Friday 7 am - 5 pm

Saturday 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 FAQ

What is CAMICO's average claim response time frame?

CAMICO will contact customers within 1-2 business days of receiving a claim.

What is CAMICO's customer service availability?

CAMICO is available at extended hours by phone during the week. They also allow customers to contact them via a couple of other mediums. 

What is CAMICO's claims process?

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.

Does CAMICO create a user-friendly experience for customers?

CAMICO's website could be laid out a bit more intuitively. The website would also benefit from more details about claims processing, discounts, etc. Overall, CAMICO falls a bit short in the user-friendliness department compared to other modern carriers. 

Does CAMICO have good cyber liability insurance?

CAMICO offers cyber coverage along with their many other products. Their 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 their other products are a good match for you or your company.

Is CAMICO a good insurance company?

CAMICO has a few decades' of experience behind them and a high rating through the BBB. However, they're not BBB accredited and have a noticeably lower AM Best rating than many other carriers do. It's also extremely difficult to find any customer feedback about the carrier, so we're hesitant to call CAMICO a good insurance company at this time.'s Final Review

We award CAMICO Mutual Insurance Company a final rating of 2 out of 5 stars. Though CAMICO has a good amount of experience in the insurance industry, their rating by AM Best doesn't quite reflect that. When shopping for coverage, customers are encouraged to find a carrier with at least an "A" rating by AM Best.

CAMICO specializes in coverage for CPAs, so their audience reach is limited. It's extremely difficult to find any customer feedback about the carrier and they're not accredited by the BBB. The insurance company also has a lacking user-friendliness experience.

Overall, we recommend looking into several options with the help of your independent insurance agent to be your next trusted carrier, and perhaps skip looking into CAMICO Mutual Insurance Company.

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