Theresa Choat » 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

Theresa Choat

Commercial Lines Underwriter
Work Phone: 512-531-1738 x 244
Photo of Theresa Choat

Biographical Info

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.

Categories: Builders Risk, Commercial Property, General/Paper Contractors, Surplus Contractors