TAPCO Insurance Company Review

The insider information you need to decide if this is the right carrier for you.
Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.


TAPCO Insurance Company at a Glance

  • Founded in 1983
  • Rated "B-" by the Better Business Bureau (BBB)
  • Offers personal and commercial coverages

TAPCO Pros: Offers commercial and individual coverages. Nearly four decades of experience in the insurance industry. 

TAPCO Cons: Not rated by AM Best. Lower than average BBB rating. Overwhelming volume of negative customer feedback. Discount information not readily available.

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

What Type of Insurance Does TAPCO Offer?

TAPCO offers insurance products for both individual and business customers. Their products include:

  • Homeowners insurance
  • Dwelling insurance
  • Personal liability insurance
  • Vacant property insurance
  • General liability insurance
  • Professional liability insurance
  • Contractors insurance

Your independent insurance agent can help you find more information about the coverage offered by TAPCO, and help you decide if this insurance company is right for you.

What to Know About TAPCO

TAPCO Underwriters was founded in 1983, giving the insurance company nearly four decades of experience in the industry. TAPCO offers both commercial and individual coverage solutions, including home insurance and several forms of liability insurance. Coverage is currently offered in 20 states.

On the insurance company's LinkedIn network, it states that the company has between 201-500 employees total. TAPCO Underwriters is not rated at this time by AM Best, the leading global credit rating agency monitoring the insurance industry.

However, TAPCO Underwriters has been graded a "B-" by the BBB, which is a noticeably lower rating than many modern insurance companies have today. The BBB demonstrates a business's credibility through their ratings system and customer complaints, of which TAPCO has had three in recent years.


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What Discounts Does TAPCO Offer?

TAPCO Underwriters does not make information about its specific discounts readily available. The insurance company just states that discounts vary by state, and discounts are not available for all lines, in every state. An independent insurance agent, however, can help you find more information about discounts available through TAPCO. They can also help you find other ways to save on your insurance.

TAPCO Customer Service

Here's a breakdown of TAPCO's customer service availability.

  • Phone contact option 
  • Email contact option
  • Fax contact option
  • Hours vary by state

Hours (ET)

Monday-Friday 8:30 am - 5 pm

Saturday 8:30 am - 5 pm

Sunday 8:30 am - 5 pm

To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.


What is TAPCO's average claim response timeframe?

TAPCO does not provide a specific claims response timeframe promise on their official website or social media.

What is TAPCO's customer service availability?

TAPCO's customer service department hours vary by state, but they are available at regular business hours throughout the week. The carrier can also be contacted via fax, email, or social media.

What is TAPCO's claims process?

TAPCO details how customers can file claims (phone, fax, email, or online), but does not outline their claims process beyond that. An independent insurance agent can file claims for you, as well as update you through every step of the process.

Does TAPCO create a user-friendly experience for customers?

TAPCO's website leaves much to be desired. The navigation is a little cluttered, and pages could stand to be fleshed out further, particularly the claims process. Overall, TAPCO's user-friendliness falls behind many other modern carriers'.

Does TAPCO have good professional liability insurance?

TAPCO offers several forms of insurance for customers, including professional liability. The official website lists the following forms of professional liability are available:

  • Community Associations
  • Corporate Directors & Officers
  • Employment Practices
  • Insurance Agents Errors & Omissions (Not available in CA)
  • Non Profit Directors & Officers
  • Property Managers
  • Public Officials
  • Real Estate Agents Errors & Omissions (Not available in CA, TN or TX)
  • Real Estate Office Package (Not available in CA, TN or TX)
  • Recruiters Package
  • Specified Errors & Omissions
  • Specified Professions Package
  • Technology Errors & Omissions

An independent insurance agent can help you find out more information about TACPO's professional liability products, plus their many other coverages available.

Is TAPCO a good insurance company?

TAPCO is not rated by AM Best, and has a lower than average rating through the BBB. Mixed with little information about their claims process and discount options and a staggering amount of negative customer feedback, it's difficult to declare TAPCO to be a good insurance company.

TAPCO Customer Reviews

[. . .] I don't like to give bad reviews, but this is necessary. Even so, before I submitted this review, I tried calling back and asking for someone who "could provide some good customer service". I got *exactly* the same treatment: defensive, argumentative, talking over me and accusing me of yelling at him when I raised my voice to try to keep him from also interrupting me while I was trying to finish my sentence, except this time he hung up on *me*. Again, he didn't even look at the account notes to see the special treatment they were giving me (waived fees).

They are dishonest company. Will sell you policy & upon receiving binder documents realize it's not what you paid for... Example, request coverage for $80k in inventory, & then read in documents cap for theft, an essential part of policy, is $2,500. They should have disclosed this sub-limit BEFORE binding policy. You call to cancel, they keep 25% minimum of your payment for nothing. Fraud of a company!

Tapco used to be a great E&S broker. They were easy to work with, responsive and organized. Since ownership has changed, they've become rigidly bureaucratic, inflexible and a headache to do business with. There are other brokers who want to partner with agents--I recommend finding one.

Better Business Bureau
Absolute WORST customer service. Arrogant, Ignorant, unprofessional. The worst manners when customer service is needed. Management is useless.

Better Business Bureau
Just cancelled our policy with Tapco after recent fraudulent charges on my credit card and poor services of their staff. Tapco does not care about its clients that is evidenced by the way they communicate with me. The hold time for a phone call is long and automatically timed out after a few minutes of wait. I had to call back three times in order to speak with their billing department just to discuss payment option. Today I called again and went through the same wait time. When I told them that I want to cancel the policy due to the poor services, they said that I need to talk to our local agent to cancel. Tapco cannot cancel my policy directly even this is an option in their telephone directory. This company should not be in business anyway. They will destroy themselves.

TrustedChoice.com's Final Review

We award TAPCO Underwriters a final rating of 1.5 out of 5 stars. Though the insurance company has nearly four decades worth of experience under their belt, there's a concerning amount of negative feedback about them across multiple platforms. The insurance company is not rated through AM Best, and has a fairly low rating through the BBB.

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