Surplus Contractors

Surplus Contractors

TAGA works with the best markets in the surplus industry to provide you the coverage your insureds need at a price they want.

Worker smoothing down freshly poured concrete.

Target Classes

Artisan contractors – commercial, residential and industrial
General contractors(100% subcontracted w/insured or uninsured)
Residential (more than 20 home starts per year)
Cell tower
Electrical, HVAC and plumbing including boiler repair
Installation, service and repair
Project specific policies available
Street and road
Utility contractors
Excavation including water and sewer line
Horizontal Borings
Iron and Steel Erection
Site prep and grading
Crane Rental (on hook sublimits)
Street and Road
Infrastructure developers
Tilt Up Concrete
Seismic retrofitting

Coverages Available – Occurrence or Claims Made

Surplus Coverages
Products liability
Completed operations liability
Discontinued Operations Coverage
Owner’s contractors protective liability/owner’s interest general liability

Optional Coverages Available

Waivers of subrogation – Blanket or Individual
CG2037 Available
Employee benefits liability (claims made)
Per project and per location aggregate endorsements (aggregate caps of $3M, $5M and $10M available)
Pollution liability amendments, to include limited pollution coverage arising out of the insured’s work or product
Primary and non-contributory wording
Riggers liability
Specialized oil and gas endorsements, including time element pollution and underground resources and equipment hazard coverages
Stop gap liability
Vendors coverage
Warranty of subcontractors form (which provides coverage for uninsured/underinsured subcontractors)


Minimum – $500
Average – $2,500
Maximum- No Maximum


CompanyRatingSizeStates Available
Acceptance Insurance Co.A-X
Colony Insurance Co.AXII
Crum & ForesterAXII
Evanston Insurance CoAXIV
Great AmericanAXIII
Hallmark SpecialtyA-VIII
HIIG Specialty
United States Liability Ins.A++IX

What We’ve Been Writing

First Quarter 2019 WWBW Commercial Ag First Quarter 2018


Builders Risk Contractors Equipment Business Owners Policy Brokerage
Commercial and Residential Child Care FacilitiesContractors Contractors Equipment
Hole In One Coverage Oil and Gas Restaurants, Taverns, Nightclubs
Roofers Liquor Liability Move Business Other Brokers
Umbrella Coverage Vacant Property


Contractors Basic Information
Acord 126 Commercial General Liability
Acord 125 Commercial Insurance
Acord 140 Commercial Insurance
Scheduled Dwellings Property Protection Application
Scottsdale Insurance Terrorism Disclosure
Exercise and Health Studio Supplemental Application
Landowners Program Supplemental
Exterminators General Liability Application
Detective Investigative Agency
Essex – Notice of Terrorism Insurance Coverage
Convenience Store Supplemental Questionnaire
Acord 823 Commercial Insurance Additional Premises
Handyman Supplemental Application
Artisan Supplemental Application
Storefront Community Church Supplemental
Janitorial Program Supplemental
Security Guards and Related Operations General Liability app
Animal Services Program Supplemental
Day Nurseries and Preschools Supplemental
Products and Operations Supplemental
Mobile Home Parks and Campgrounds Supplemental
Liquor Liability
Cowboy Church Supplemental
Home Health Care
Motel Program Supplemental
Tanning Salon Supplemental
Vacant Building Supplemental
Vacant Building Supplemental
Bar Restaurant Product Application
Lessor’s Risk Only Supplemental Application
Companion Property and Casualty TRIA
Condo and HOA GL Application
Machine Shop Supplemental

Department Staff

Photo of Theresa Choat
Theresa Choat
Commercial Lines Underwriter

An Underwriting Assistant for the Commercial Lines department, Theresa started with TAGA in 2010. Having over 20 years of experience, Theresa has been in the E&S Insurance Industry since 1981. She constantly works to ensure that our producers and their staff get taken care of promptly and with the utmost care.

Theresa has been married for 28 years with two sons, ages 25 and 20. Her family enjoys traveling and attending music festivals, specifically Jazz music festivals.

Photo of Janet Kantor / CISR
Janet Kantor / CISR
Commercial Lines Underwriter Assistant

Janet started with TAGA in 2006, beginning as a policy tech in our Farm & Ranch department. She then moved to Commercial lines as a policy tech before being promoted to UA. In each of these roles, Janet’s passion for her work and customers has been evident. Originally from England, Janet has lived in the USA for 35 years. She lives with her husband and a menagerie of pets in Leander, Texas. Together they enjoy riding their Harley and can be found on any given week-end out riding in the hill country, especially to the Blue Bonnet Café!

Photo of Janet Kuykendal
Janet Kuykendal
Commercial Lines Policy Tech

Janet started with TAGA on June 7, 2018. She works a commercial lines policy tech. Prior to starting with TAGA, she worked in insurance over 20 years ago doing day care and carnival insurance. In her free time, she likes to take pictures and do art/crafts projects.

Photo of Phyllis Mitchell
Phyllis Mitchell
Commercial Lines Underwriter

Phylllis came to TAGA in 2008 as a Commercial Lines Underwriter. Prior to that, she has spent several years in the insurance industry. She works hard to respond to her customers’ inquiries quickly.

She attended W. T. White High School and Richland Junior College. She enjoys being outdoors and spending time with friends and family.

Photo of Richard Salley
Richard Salley
Premium Finance / Claims / Commercial Lines Manager

Richard combined his experience with four insurance associates to form Tejas American. Until recently he was a Commercial Lines Underwriter. Now Richard is currently managing the TAGA Premium Finance Company. He is also responsible for handling claims at TAGA.

Richard worked with a managing general agency starting in 1992 as Personal Lines Manager. During his two-year venture, he set the stage and put the agency on the map as one of the premier farm and ranch insurance writers in the state of Texas.

In March 1994, Richard was promoted to Underwriting Manager for all lines. Under his leadership, Austin Surplus Lines continued to grow and experience its greatest year ever in 1996. Richard held this position until March of 1997.

Richard’s responsibilities included underwriting results and production commitments for all lines. He worked closely with the Administrative Manager and individual department managers under his direction to provide extraordinary service for customers while producing a profit for his companies and the agency.

Prior to the agency field, Richard spent seven years in the oil and gas industry in the position of Insurance and Contracts Manager. He held this position for five years at Bearden Drilling Company and for two years at Burns Drilling Company. Preceding his work in the oil industry, Richard spent six years with Crum and Forster Insurance Company. While at C & F, he held positions that included marketing responsibilities and supervision of one of the largest farm and ranch insurance departments in the state of Texas.

Richard received a Bachelor of Science Degree from Texas Tech University. Since college, he has completed course work in Insurance Principles, CPCU and holds his CIC designation.

Richard is married to Julie and has 2 daughters, Casey and Randi.

Photo of Michelle Vajello
Michelle Vajello
Commercial Lines Underwriter

Michelle came to TAGA in 2008 as an Underwriter with 22 years experience in the insurance industry. She feels that a key component of excellent customer is to always work to strengthen relationships.

She graduated from Bastrop High School and she spends her spare time with her family and children, a 17 year old daughter and 12 year old son. They also have a dog, a Great Pyrenees, in their family

Photo of Linda Villegas
Linda Villegas
Commercial Lines Underwriting Assistant

Linda came to TAGA in 2008 with over 30 years experience in the insurance industry. As a Property and Causalty Underwriter Assistant, she strives to service our agents’ requests in a timely manner and to always maintain a positive attitude.

Linda attended school at Travis High School and Austin Community College, in Austin, TX. Her hobbies include: reading, walking, working on projects around the house and going to see her son play baseball at Mary Hardin Baylor University. She has three sons, ages 28, 25, and 22. She also has two dogs, both schnauzers.