Subcontractor Default Insurance

Poor performance by a single subcontractor can put an entire project at risk. General contractors struggling with subcontractor issues know that without specialized coverage in place, these challenges can eat up time, money, and even their reputations.

Liberty Mutual Surety’s Subcontractor Default Insurance (SDI) ensures that general contractors remain in control of their projects, while protecting them against losses incurred due to the default of a subcontractor.

Liberty Mutual Surety by the numbers

With an “A” from A.M. Best Company, “A2” from Moody’s, and an “A+” from Standard & Poor’s, our financial strength means peace of mind and security for you.

ENR Top 100

Liberty Mutual surety and insurance clients

100

Years of construction experience

based on Liberty Mutual internal data

$1.7B+

Construction GWP

Reflective of Liberty Mutual core and specialty construction business data

People in hardhats and reflective vests walking through construction site

Protection for general contractors

Not all SDI coverages are created equally. Simply put, the niche qualities of SDI require an expert understanding of the causes and best solutions for subcontractor failure. Through rigorous research, including consultations with top general contractors, Liberty Mutual Surety is able to offer a different, better approach to SDI. You can count on our approach to mitigate the risks and uncertainties of working with subcontractors.

For larger, more complex projects, our Global Infrastructure Solutions Practice delivers comprehensive risk protection across every stage of construction, giving you confidence that even your most challenging construction and energy transition projects are supported.

Personalized Experience

Meaningful conversations with customers to assess needs and expectations

Simplicity

Clear and purposeful meetings informed by an experienced, prepared, and reliable underwriting team

Prioritized Needs

Policies tailored via a variety of unique coverage and program offerings

Expertise

More than 100 years of collective construction, insurance, and surety experience

Risk Services

Real-world construction professionals providing specialized resources, such as field operations training in subcontractor default loss avoidance and mitigation, assessment of a GC’s approach, and subcontractor prequalification

In-house Claims Teams

Empowered, experienced claims professionals that leverage extensive hands-on training to address coverages, damages, and loss mitigation

Insights

Find More Resources

Podcast • 12/18/25

Construction risk roundtable

In our construction risk roundtable series, we discuss issues and trends facing the industry and how companies can prepare.

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Webinar • 05/01/25

U.S. housing and global macroeconomic trends

Expert panelists discuss the current housing market in the United States and the impact on construction and surety.

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Webinar • 03/05/25

Exploring the global risk landscape

Industry experts discuss the interconnectedness of risk around the globe and the future of the surety and construction industries.

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Report • 02/20/25

Effectively managing contractor risks

Contractors have faced a variety of risks since COVID-19. Collaborating with their surety has helped mitigate them.

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Webinar, podcast • 10/22/24

Dynamics of the Global Surety market

Watch this informative webinar to learn about the differences among surety markets in Europe, Asia, Australia, and Canada.

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Webinar • 05/21/24

Elements of contractor distress

Learn more about the warning signs of contractor distress and how a surety and their claims team can help mitigate the risks present for an account.

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Explore SDI solutions

To learn more about Liberty Mutual Surety’s SDI offering, download our fact sheets or contact one of our underwriters.

Download SDI Brochure

Download SDI Risk Services Brochure