Cabrillo Pacific Insurance Services
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Verified official source is Amwins Specialty Auto, not a separate Cabrillo-branded public site. Current published guidance is for personal auto programs, with Texas program details publicly available. Preferred business includes standard and non-standard personal auto written on Texas forms through multiple programs: Heritage and Drive for semi-annual Texas standard-form business, Prime 3.0 for semi-annual non-standard risks that are most competitive with better-than-average credit, and Star for semi-annual standard business with higher limits available for good-credit insureds and vehicle values up to $80,000 including camper and trailer coverage. Available structures include liability-only and full coverage, with semi-annual and annual terms depending on product. Published underwriting features show acceptance of a broad driver/license mix, including Texas, foreign, international, out-of-state, no-license with Texas ID, and passport-supported risks. Additional appetite indicators include SR-22, optional non-owner coverage for SR-22 under Heritage, Mexico coverage up to 25 miles, business use on one vehicle only, 1-ton trucks and vans including dually trucks, and salvage-title vehicles on liability-only basis. Operational limits/notes include seven-vehicle maximum across programs, BI/UMBI base limits of $30,000/$60,000 and PD/UMPD $25,000, with higher limits available on Star; physical damage offers various deductibles; customization equipment is capped at $3,000. Credit treatment is mixed by program: Drive is non-credit scored, while Prime, Heritage, and Star are credit scored; available discounts include prior insurance, multi-car, homeowners, renewal, advance shopping (5 days), paperless, and EFT on some products. No public producer-facing page reviewed disclosed a formal list of declined classes or prohibited risks beyond the explicit limitations noted above, so no broader declination grid could be verified from official public sources. Geographic notes: Amwins Specialty Auto lists operations/program presence in Texas, Florida, and Oklahoma, but the verified appetite page reviewed is specifically for Texas. Broker/producer notes: producers have dedicated login portals, can obtain point-of-sale new business issuance with declarations page and ID card, use 24/7 online point-of-sale and online endorsements, access e-signature capability, EFT on some products, direct deposit of commissions, and competitive commission rates. Appointment interest is handled through the official 'Get Appointed' web form requesting agency/contact details, address, state, phone, email, and comments. Customer-facing servicing instructions indicate policy changes should be made through the producer, which is useful for agency servicing workflows.