Cabrillo Coastal General Insurance Agency

What Cabrillo Coastal General Insurance Agency does

Cabrillo Coastal General Insurance Agency, LLC is a privately held managing general agent headquartered in Gainesville, Florida, that specializes in residential and commercial property insurance for catastrophe-exposed coastal areas across 11 U.S. states. The agency distributes seven policy forms — Homeowners (HO3 and HO3-DIC), Dwelling Fire (DP3), Manufactured Dwelling Property (MDP1), Manufactured Homeowners (MHO3), Condominium Unit Owners (HO6), and a Commercial Property Policy (CPP) — primarily through a network of independent insurance producers supported by eight regional Sales Managers, with a complementary direct self-service portal for existing policyholders.

The business model is commission-based: Cabrillo places business with affiliated admitted carriers including US Coastal Property & Casualty Insurance Company, US Coastal Insurance Company, Safe Harbor Insurance Company, and Orange Insurance Exchange, each rated Demotech FSR A (Exceptional). Claims are handled through the affiliated sister company Harbor Claims, which maintains a network of more than 200 adjusters and reports an average claims settlement time of approximately 20 days, 24-hour adjuster response after report, and average hold times under 10 seconds during major catastrophes.

The supporting technology stack consists of separate online portals for producers (agents.cabgen.com) and policyholders (insured-app.cabgen.com) that enable quoting, payment, and claim-reporting workflows without login for basic tasks. The firm operates as an independent, founder- or management-owned entity with no parent company, no disclosed external PE or VC ownership, and a single small 2019 capital event of $94,038. Headcount is reported in the 51–100 range.

Name

Cabrillo Coastal General Insurance Agency

Legal name

Cabrillo Coastal General Insurance Agency, LLC

Website

https://cabgen.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

51–100 employees

Short description

Cabrillo Coastal General Insurance Agency is a Gainesville, Florida-based managing general agent that distributes residential and commercial coastal property insurance through independent producers across 11 states, partnering with admitted carriers and an affiliated 200-adjuster claims operation.

Ownership category

akta.pro rank

Product category

Coastal Property Insurance

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

Keywords

• Property insurance
• Coastal insurance
• Homeowners insurance
• Managing general agent
• Catastrophe insurance

Headquarters

HQ city

Gainesville

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Premiums: Collects insurance premiums from policyholders for homeowners, dwelling fire, manufactured home, condominium unit owners, and commercial residential property coverage. Premium discounts available for hurricane loss mitigation.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Specialty property insurance agency operating as a managing general agent (MGA), providing personal and commercial residential property insurance for homeowners and businesses in catastrophe-exposed coastal regions across 11 U.S. states (AL, CA, DE, FL, MS, NJ, NY, NC, RI, SC, TX). Distribution is handled primarily through independent insurance producers/agents with supplementary direct online portal access.

Product overview

Cabrillo Coastal General Insurance Agency is a coastal property insurance specialist offering personal and commercial residential property insurance products for catastrophe-exposed areas. Their product portfolio consists of seven distinct insurance policy types: Homeowners Policy (HO3) and HO3-DIC for standard and California FAIR Plan supplemental coverage; Dwelling Fire Policy (DP3) and Manufactured Dwelling Property (MDP1) for rental and manufactured homes; Manufactured Homeowners Policy (MHO3) for comprehensive manufactured home coverage; Condominium Unit Owners Policy (HO6) for condo unit owners; and Commercial Property Policy (CPP) for commercial residential properties. Coverage is available across 11 states along the Atlantic and Gulf coasts.

Differentiator

Problem solved

Functional benefit

Products and services

• HO3 Homeowners Insurance Standard homeowners insurance policy for individual homeowners covering single-family residences in catastrophe-exposed coastal markets.
• HO3-DIC Homeowners with Dwelling Fire Coverage Homeowners policy paired with difference-in-conditions (DIC) coverage to address gaps in standard policies for coastal property risks.
• DP3 Dwelling Fire Insurance Dwelling fire insurance policy designed for non-owner-occupied dwellings and rental properties in coastal areas.
• MDP1 Manufactured Dwelling Policy Specialty insurance policy for manufactured (mobile) homes located in catastrophe-exposed coastal regions.
• MHO3 Mobile Homeowners Insurance Mobile homeowners insurance policy form for owner-occupied manufactured homes in coastal catastrophe-exposed areas.
• HO6 Condo Unit Owners Insurance Condominium unit-owners insurance policy covering personal property and interior of individually owned condo units in coastal regions.
• CPP Commercial Property Policy Commercial property insurance policy for commercial residential buildings, including condominium associations and building owners in coastal regions.
• Harbor Claims Services In-house property claims handling service provided through sister company Harbor Claims, with more than 200 licensed adjusters supporting coastal property claim response and processing.

Quantifiable outcome

• Average claims settlement time of 20 days even during devastating storm seasons
• +2 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Five partnerships are on record, tiered core.

• US Coastal Property & Casualty Insurance CompanycoreStrategic or Co-development PartnerPartner insurance carrier offering homeowners and commercial property coverage. Demotech FSR of A (Exceptional). In California operates as Pacific Coastal Property & Casualty Insurance Company.
• US Coastal Insurance CompanycoreStrategic or Co-development PartnerPartner insurance carrier serving New Jersey and Rhode Island markets. Demotech FSR of A (Exceptional).
• Safe Harbor Insurance CompanycoreStrategic or Co-development PartnerPartner insurance carrier offering homeowners and manufactured home coverage in Florida, Alabama, North Carolina, and South Carolina. Demotech FSR of A (Exceptional).
• Orange Insurance ExchangecoreStrategic or Co-development PartnerPartner insurance carrier offering commercial property coverage in Florida. Demotech FSR of A (Exceptional).
• Harbor ClaimscoreStrategic or Co-development PartnerSister company providing claims processing services with excellent track record for fast and fair claims handling. Settled claims in average of 20 days even during devastating storm seasons. Network of 200+ experienced adjusters.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• SageSure Insurance Managers: Largest independent MGA specializing in catastrophe-exposed personal lines coastal property insurance, similar to Cabrillo. Operates as managing general agent distributing through carrier partners and producer networks across multiple catastrophe-prone states.
• Kin Insurance: Direct-to-consumer homeowners insurance built for catastrophe-prone coastal states (FL, TX, CA, NC, SC, AL, LA, MS). Competes in the same end market with a tech-led distribution model.
• Heritage Property & Casualty Insurance Company: Florida-based homeowners and property insurer specializing in catastrophe-exposed personal lines. Comparable product mix (HO3, DP3, MH, condo) and geographic concentration in coastal Florida.
• Slide Insurance: Florida-focused personal lines property insurer built around catastrophe-exposed coastal homes. Comparable product portfolio and exclusive focus on hurricane-exposed residential property.
• Universal Property & Casualty Insurance Company: Florida-based personal property insurer (subsidiary of Universal Insurance Holdings) covering homeowners, condo, and rental dwellings in coastal counties with catastrophe exposure.
• Tower Hill Insurance Group: Florida-domiciled insurer group writing homeowners and dwelling fire policies in catastrophe-prone regions with distribution through independent agents, mirroring Cabrillo's MGA-channel model.
• American Strategic Insurance Corp: ASI (Progressive subsidiary) writes coastal homeowners and manufactured home specialty policies through independent producers. Operates in a near-identical niche with carrier-side scale.
• Arm Assurance Corporation: Florida residential property insurer (formerly Armtech) writing HO, DP3, MH, and condo in catastrophe-exposed coastal zones through the independent agent channel.

Broad incumbents

• Citizens Property Insurance Corporation: Florida's residual-market insurer of last resort for coastal property. Not a direct competitor but the structural backdrop defining the addressable market for private coastal MGAs like Cabrillo.

Emerging players

• Prepared Insurance (Lewis & Clark): Specialty MGA focused on catastrophe-exposed coastal property, offering differentiated technology-enabled distribution and risk pricing. Emerging peer in adjacent states with overlapping target market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cabrillo Coastal General Insurance Agency