Product Family

Subcontractor Default Insurance

Coverage for North America

We help general contractors manage project risks to protect their profitability, retain a competitive edge and keep business opportunities moving along.

Read about risk

Explore our thought leadership content. Access tools you can use.

Learn More


  • Subcontractor Default Insurance (SDI) provides coverage for economic loss incurred by a general contractor or construction manager caused by a default of performance of their subcontractor(s), including both direct and indirect costs.
  • Coverage is provided on a project enrollment basis and is non-admitted.


  • Our risk engineering and claim service team draws from field project management and SDI experience to help improve your overall cost of risk.
  • We use an integrated approach that focuses on feedback and communication throughout your program.
  • We provide consultation, training, and best practices including:
    • SDI Program startup/management
    • Implementing key controls, including benchmarking:
    • Sub prequalification
    • Quality management
    • Project Reviews
    • Lessons learned and claims trends training
    • Emerging trends/issues
    • Default management/mitigation
    • Claims management, documentation, and resolution

Client Profiles

  • North America Commercial general contractors (GC) and construction managers (CM) with USD 100 million or more in annual subcontract costs.

Product Availability

Geographical coverage is for informational purposes only. Product and service offers can vary based on location, industry, risk profile and unique business needs.

The information contained herein is intended for informational purposes only. It’s is neither an offer to sell nor a solicitation to purchase any particular insurance product. Insurance coverage in any particular case will depend upon the type of policy in effect, the terms, conditions and exclusions in any such policy, and the facts of each unique situation. No representation is made that any specific insurance coverage would apply in the circumstances outlined herein. Please refer to the individual policy wordings for specific coverage details. AXA XL is a division of AXA Group providing products and services through three business groups: AXA XL Insurance, AXA XL Reinsurance and AXA XL Risk Consulting. Not all of the insurers do business in all jurisdictions nor is coverage available in all jurisdictions.

US- and Canada-Issued Insurance Policies. In the US, the AXA XL insurance companies are: AXA Insurance Company, Catlin Insurance Company, Inc., Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Specialty Insurance Company and T.H.E. Insurance Company. In Canada, coverages are underwritten by XL Specialty Insurance Company - Canadian Branch and AXA Insurance Company - Canadian branch. Coverages may also be underwritten by Lloyd’s Syndicate #2003. Coverages underwritten by Lloyd’s Syndicate #2003 are placed on behalf of the member of Syndicate #2003 by Catlin Canada Inc. Lloyd’s ratings are independent of AXA Group.

Talk with us

We can match you with the perfect person for your specific needs.
Enter your First Name
Enter your Last Name
Enter your valid Email ID
Select your country
Select What best describes you