Subcontractor Default Insurance

The Subcontractor Default Insurance (SDI) Group within Arch Construction, works with agents and brokers to offer an insurance alternative to subcontractor surety bonds, which allows general contractors to retain greater control over the risk associated with subcontractor performance.


Arch’s SDI Program is focused on commercial general contractors that have effectively implemented processes to consistently and comprehensively qualify their subcontractors’ ability to perform work from both an operational and financial capacity.

Arch Subcontractor Default Insurance Benefits

  • Deep knowledge of product specifics and market trends.
  • Programs tailored to fit each customer’s individual business needs.
  • Flat organizational structure.
  • Reasonable and flexible underwriting approach.

Construction Team Values

  • We work in a collaborative environment.
  • We hold teamwork as a guiding practice.
  • We work to establish long lasting relationships.
  • We actively listen to others.
  • We are known for our integrity.
  • We are candid beyond expectations.
  • We are accountable for our actions, decisions and commitments.
  • We are innovative in our approach.
  • We are open to any discussion.

Corporate Contacts

Trent Trobough

Executive Vice President, Construction

+1 404 682 3626

[email protected]

Amelia Valz

Senior Vice President, Construction Specialty Products

+1 214 438 4011

[email protected]

Stephen Villarreal

Director, SDI Risk Engineer

915 255 9889

[email protected]

Our Brand Promise

Pursuing Better Together encapsulates how we do business at Arch Insurance. It is an approach that is based on collaboration, responsiveness and a genuine commitment to continually raising the bar.

It is our promise to our brokers, colleagues and other partners to:

  • Listen, share insights and work together to deliver informed solutions.
  • Build trusting, respectful and responsive relationships.
  • Understand your goals and explore possibilities together.

Customer Profile

General contractors with:

  • A minimum of $150M in revenues annually.
  • A robust prequalification process for sub selection including financial review.
  • “Best practice” QA/QC procedures.
  • An established resume of vertical commercial projects.
  • A pipeline of negotiated projects with repeat owners.

Product Highlights


  • Enrollment of at least $100M annually.
  • Minimum deductible $750K.
  • U.S. based builders.


  • Limits up to: $30M/$60M.
  • Covers up to 4x subcontract amount vs 1x in the case of a surety bond.
  • Automatic additional 10% of covered direct costs for indirect costs.
  • Extended reporting tail of up to 10 years.
  • Waiver of copayment obligations if default is reported within five days.
  • Ability to offer financial interest endorsements to satisfy owner/lender requirements.

Service Delivery

  • Experienced claims handling through Guardian Group.
  • Risk mitigation strategies, industry trends and QA/QC best practices.


  • Specialized retail agents and brokers.

Submission Guidelines

  • Two years of subcontract data.
  • Documented prequalification and QA/QC procedures.
  • Ten years of loss history.
  • Audited YE financials, including WIP.
  • Arch Subcontractor Default Insurance application.

Document Library

Construction Specialty SDI Products Brochure

Download SDI Products PDF

Construction Specialty SDI Product New Business Application

Download New Business PDF

Construction Specialty SDI Product Renewal Business Application

Download Renewal Business PDF

The Arch Difference

Speak With An Underwriter

Anne Church

Vice President, Construction Specialty Products

+1 202 445 9399

[email protected]

David Bicknell

Vice President, Construction

+1 404 682 4319

[email protected]

Heather O’Neill

Vice President, Construction Specialty Products

+1 469 899 2630

[email protected]

Jen Chadd

Assistant Vice President, Construction Specialty Products

+1 816 608 3237

[email protected]

United States

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The Construction Casualty division of Arch Insurance has assembled a team of dedicated professionals who possess a deep knowledge of the construction industry, including underwriting, actuarial, risk control and claim services support devoted to this specialty.

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