TAPCO Underwriters, Inc
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
CRC Tapco is a U.S. wholesale broker/MGA-style operation with binding authority focused on fast-turn specialty and E&S placements for retail agents, offering access to 1,000+ classes through 20+ A-rated carriers. For the verified Commercial Property product page, current published guidance shows in-house property capacity up to $1M TIV by phone, with applications required for risks up to $3M TIV under review. Published property coverage options include building, business personal property, business income, equipment breakdown, and property enhancement endorsements, with Basic/Broad/Special form perils and ACV or replacement cost valuation options. Across the site, Tapco positions itself for hard-to-place property, package, GL, vacant, builders risk, and personal lines business rather than standard admitted small-package placements. For Commercial Package Policy, no standalone verified appetite page was located, but Tapco does publish package-related applications and markets Property + Package as an available class grouping; operationally, brokers should expect submission to be class-specific and routed through underwriters rather than self-bound. For Home, verified site evidence supports Homeowners and related personal lines availability, but no detailed public home appetite guide with preferred/declined characteristics was found on the official pages reviewed. Restricted/declined business is not clearly published in a public appetite guide on the verified pages reviewed; however, Tapco identifies certain classes needing annual renewal applications, including churches, excavation/grading contractors, fire extinguisher service/repair, general contractors, halfway houses, hemp/cannabinoid production manufacturers, home health care agencies, landowners, machinery/equipment repair, machine shops, remodelers, roofers, and schools, which signals closer underwriting scrutiny. Geographic notes: Tapco states it is surplus lines licensed in all states where it writes business and notes state licensing/surplus-lines requirements vary; agents should confirm their own state license requirements with the applicable insurance department. Submission requirements are clearly published: applications are required for every new account; most submissions can use ACORD or comparable forms, while certain programs require Tapco-specific applications. Most quotes are handled by phone, quotes are emailed immediately, and bind requests can be made by phone prompt or email. Brokers do not receive binding authority; all binding must be completed by a CRC Tapco underwriter. Binders are valid for 12 days from effective date, after which expired binders must be re-underwritten. Billing/producer notes: most business is cash with net premium submitted with the application; all business must be paid in full at inception, though many annual premiums can be financed. Direct bill is available on renewals only—mandatory for personal lines renewals and optional for commercial renewals—but not for new business, endorsements, or audits. Tapco prefers agency checks but will accept insured checks. It also files surplus lines taxes and required diligent-search/declination affidavits on business written through it. Broker service notes include online/informational COI support after policy issuance, electronic policy delivery, and rapid service positioning (calls answered quickly, 5-minute quote messaging, quick issuance once money and applications are received).