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
Official site currently presents Cabrillo Pacific business under the Amwins Specialty Auto brand and publishes program/appetite details for personal auto in Texas, Florida, and Oklahoma. Core appetite is personal lines auto, including standard and non-standard segments, with liability-only and full-coverage options depending on state. Texas is the most detailed underwriting page: programs include Heritage, Drive, Prime 3.0, and Star; preferred risks include better-than-average credit for Prime and good-credit/higher-limit business for Star. Texas accepts a wide range of license types including Texas, foreign, international, out-of-state, passports, and even no-license with Texas ID; supports SR-22, non-owner coverage for SR-22 under Heritage, business use on one vehicle, 1-ton trucks/vans and dually trucks, salvage title on liability-only, Mexico coverage within 25 miles, and up to 7 vehicles per policy. Texas Star allows higher limits and vehicle values up to $80,000, including camper/trailer coverage. Florida appetite is state-minimum oriented through the Amwins Choice program, offering liability-only with optional BI or comp/collision, semiannual terms, low down payment options, SR-22, and broad license acceptance including Florida, international, foreign, matricula, and passport. Oklahoma is positioned as a preferred program with higher limits and broader features, including business use up to five job sites per day, up to 1-ton load capacity, trailers valued roughly $30,000-$80,000, special equipment up to $3,000, med pay up to $5,000, up to 7 vehicles per policy, 3:1 vehicles-to-listed-drivers ratio, liability acceptance up to 50-year vehicle age and physical damage up to 25-year vehicle age, and max vehicle value of $80,000. No formal declined-classes page was found; however, published parameters imply focus on personal auto only rather than commercial fleets or broader commercial auto. Geographic notes: current official footprint shown is Texas, Florida, and Oklahoma, with producer logins segmented by those states and policyholder servicing likewise centered there. Submission/producer notes: carrier offers 24/7 online point-of-sale new business issuance, dec page and ID card issuance at point of sale, online endorsements, e-signature technology, direct deposit of commissions, competitive commission rates, and insured mobile app access. New-system guidance says some endorsements can be processed in real time with insured digital signatures; remote e-signature is available for new business only; VIN input is available for new business and endorsements; reinstatements without lapse may be possible within 5 days after cancellation if no loss occurred, with a Statement of No Loss required. Appointment guidance located is a generic official get-appointed form requesting agency/contact details rather than a detailed broker manual. Contact instructions for servicing and underwriting support route through customer service/marketing channels on the official site.