TAPCO Underwriters, Inc. is an experienced Excess & Surplus Lines broker focused on placing both Commercial and Personal Lines that don’t fit the standard market. Since 1983, we’ve helped independent agents secure coverage for hard-to-place risks by providing access to a broad mix of non-admitted and admitted markets.
Our team combines in-house binding authority with knowledgeable underwriters to deliver fast, accurate quotes and reliable service. TAPCO’s underwriting approach and market relationships let you move quickly when a client needs specialty terms or timely placement.
Ideal Accounts and Appetite
We underwrite a wide range of Excess & Surplus Lines risks across both commercial and personal exposures. TAPCO is a good fit when standard carriers decline or offer restrictive terms—examples include vacant buildings, properties with prior losses, and accounts with unusual risk characteristics.
Common classes we place include:
- Commercial and residential properties with unique characteristics
- General liability for contractors, artisans, and special events
- Vacant buildings and dwellings
- Inland marine for tools, equipment, and mobile property
- Homeowners with prior claims or non-standard construction
Example scenarios: You might have a property investor with a string of vacant coastal homes in Florida or a general contractor with significant subcontractor exposure—these are the kinds of accounts TAPCO helps you place efficiently.
Coverage Highlights and Advantages
Through established carrier relationships, we offer a broad portfolio of coverages, including both admitted and non-admitted options. Our in-house authority enables many risks to be quoted and bound quickly. Typical lines available include:
- Property (including wind and coastal exposures)
- General Liability (including higher-hazard operations)
- Inland Marine
- Dwelling and Homeowners
Because we work with multiple markets, we can often present competitive terms on accounts other brokers consider difficult, while helping you weigh admitted vs. non-admitted solutions.
Underwriting Notes and Minimum Premiums
Our underwriters review submissions with an emphasis on practical, marketable solutions. Responses are focused and timely—many straightforward submissions receive same-day considerations when complete information is provided.
Minimum premiums vary by carrier and state; where needed, financing is available in most states through Charleston Premium Finance Company (CPFC) to help clients manage payment options.
Territories and Availability
We currently serve agents across the Southeast and Mid-Atlantic, including:
CA, DE, FL, GA, MD, NJ, NC, OH, PA, SC, TN, TX, VA
Regional offices in North Carolina, South Carolina, Florida, and Virginia give you local underwriting support and market access.
Why Work With TAPCO?
TAPCO is committed to responsive service, fair pricing, and dependable carrier partnerships. We prioritize retail agent relationships and provide the underwriting support and market contacts that help you grow your book on specialty and hard-to-place business.
With decades in the E&S market and a motivated team, we offer both stability and practical solutions. Let TAPCO be your go-to partner for vacant properties, complex contractor accounts, and other specialty placements.
Questions? Contact any of our regional offices or email us at [email protected].
Frequently Asked Questions
What types of accounts are a good fit for TAPCO’s Excess & Surplus Lines program?
TAPCO is best for risks that fall outside standard markets: vacant properties, contractors with complex operations, homeowners with prior claims or non-standard construction, and other hard-to-place accounts.
Is TAPCO’s program available in my state?
We currently serve agents in CA, DE, FL, GA, MD, NJ, NC, OH, PA, SC, TN, TX, and VA.
What types of coverage can I place through TAPCO?
You can access Property, General Liability, Inland Marine, Dwelling, and Homeowners policies through our carrier panel and non-admitted options.
How quickly can I get a quote or bind coverage?
Because we have in-house binding authority, many submissions receive rapid review and can be quoted or bound the same day once complete information is submitted.
Do you offer premium financing options?
Yes—premium financing is available in most states through Charleston Premium Finance Company (CPFC).
Need help placing an account? Connect with a market specialist.