CAMICO deploys Pibit.AI CURE to streamline underwriting

Professional liability underwriting is where AI workflow software has to prove it can organize complexity without flattening judgment, and CAMICO’s deployment of Pibit.AI’s CURE is a sharp test case. CAMICO Mutual Insurance Company said the platform was being used across its professional liability insurance program to bring more structure to submissions that often arrive as a pile of documents, emails, and outside records.

The appeal is clear in a line of business built on nuance. CAMICO, which says it is the nation’s largest CPA-directed program of insurance products and risk management solutions for accounting firms, has spent nearly four decades serving CPA firms with professional liability coverage, employment practices liability, cyber coverage, and other placements. The company says it was established in 1986, after a group of CPAs formed the business and it received its Certificate of Authority that same year. In 2026, CAMICO is marking its 40th anniversary.

Pibit.AI positions CURE as a centralized underwriting workbench, and the company says it is the industry’s first Centralized Underwriting Risk Environment. Its pitch is less about replacing underwriters than about giving them a cleaner desk. The platform is built around AI risk management frameworks, data lineage and retention protocols, and automated sanitization pipelines. Pibit.AI says every data point in CURE is traceable and every decision is auditable, with a reported 99.9% precision rate and fully traceable data.

That matters at CAMICO because the company is trying to preserve a high-touch model while stripping away administrative drag. Alonzo Weems, CAMICO’s vice president of IT, said the partnership fits a culture that values clear, expert-led risk management. CAMICO said the goal is to move underwriters away from cleaning up intake and back toward risk selection, pricing context, and policyholder guidance. In a specialty market like CPA professional liability, that shift is the point: the machine can assemble the file, but the underwriter still has to read the signals hiding inside it.

The broader commercial P&C lesson is hard to miss. Pibit.AI says legacy stacks and fragmented workflows can consume 30% to 40% of underwriter capacity, and its white paper argues that CURE is intended to create a 2% to 3% combined-ratio advantage. CAMICO’s move fits that logic, but it also reflects a more conservative truth about specialty insurance technology: the winning tools are the ones that standardize intake, surface hidden exposures, and sync cleanly into policy administration without asking carriers to give up their operating model. CAMICO also has recent experience working through the CPA channel, including a 2025 partnership with CPAmerica to enhance risk management and support CPAs.