CAMICO Mutual Insurance Company Review 2026

InsuredBetter's 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.

CAMICO Pros and Cons:

Pros:	Cons:
Longstanding carrier, founded in 1986	Not a BBB-accredited carrier
Rated “A-” (excellent) by AM Best	Difficult to find customer feedback
Rated “A-” (excellent) by the Better Business Bureau (BBB)	No discount information available
Nationwide coverage	Coverage is only available to CPAs

CAMICO Insurance Products by Type

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

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.

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