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Subcontractor Default Insurance

Protect your projects with Subcontractor Default Insurance

Protect your projects from the unexpected with Subcontractor Default Insurance (SDI) from NTI—a smart, proactive solution for managing the risks of subcontractor non-performance.

In today’s fast-paced construction environment, even the most carefully vetted subcontractors can fail to deliver due to unforeseen circumstances such as bankruptcy, labor shortages, supply chain disruptions, or poor workmanship. When this happens, the effects can be immediate and severe—causing delays, added costs, and significant strain on project resources.

NTI’s SDI policies are built to act as a financial safety net, offering comprehensive protection against both the direct and indirect costs of default. Whether it’s replacing a subcontractor mid-project, covering rework, managing administrative fallout, or absorbing the cost of timeline disruptions, our coverage helps you minimize the impact on your schedule, budget, and client relationships.

Unlike traditional performance bonds, SDI provides broader, more flexible protection across multiple trades under one policy—making it a valuable tool for general contractors managing complex or large-scale builds. With NTI’s industry expertise and tailored guidance, you can select coverage that aligns with your project’s size, complexity, and risk profile—keeping you one step ahead of potential setbacks.

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Protecting our clients

Your Insurance – Complete Confidence

Your Insurance – Complete Confidence” is a strong and reassuring slogan. It communicates trust, professionalism, and a promise of reliability, which are exactly the qualities people look for in an insurance provider.

The phrase “Complete Confidence” adds emotional weight, suggesting that clients can fully rely on your services without worry.

If you’re aiming to stand out even more, you might consider adding a slight twist or personalization, but as it stands, the message is clear and effective.

Coverage for Direct and Indirect Costs

Subcontractor default doesn’t just affect the task at hand—it can cause a chain reaction that impacts your entire project. NTI’s SDI policies provide comprehensive reimbursement for both direct and indirect costs, helping you recover without taking a financial hit.

Simplified Coverage Across Subcontractors

Managing multiple performance bonds for dozens of subcontractors can be time-consuming, inefficient, and inconsistent. With NTI’s SDI, you gain a single, streamlined policy that covers all enrolled subcontractors on your project, regardless of trade or scope.

Financial Protection for Project Delays

Time is money in construction. A subcontractor’s failure to deliver can lead to missed deadlines, extended equipment rentals, idle crews, liquidated damages, and reputational harm. 

Contract Review & Risk Consulting

NTI’s in-house advisors offer contract analysis and risk consultation to help general contractors incorporate SDI effectively into their agreements. We ensure your contracts align with SDI requirements, reduce exposure, and position your team for faster recoveries in the event of default.

Flexible Policy Terms

No two construction projects are the same and your insurance shouldn’t be, either. NTI offers flexible SDI policy terms that can be customized based on your project’s size, duration, subcontractor mix, and risk tolerance. 

Replacement Subcontractor Coordination

Beyond providing financial coverage, NTI supports clients with logistical coordination and planning to bring in qualified replacement subcontractors as quickly as possible. 

Multi-Project & Portfolio Coverage Options

For firms managing multiple jobs at once, NTI offers portfolio-based SDI coverage, allowing you to consolidate risk management across a range of projects. 

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We consider everything when it comes to insuring our clients

At NTI, we don’t just sell insurance, we build lasting partnerships.

Our service is tailored to what matters most to motor trade professionals like you: flexibility, affordability, and dependable support.

No two construction trade businesses are alike—so why settle for a one-size-fits-all policy? At Network Trade Insurance (NTI), we take the time to truly understand your operations.

From the types of vehicles you work with to your locations and the services you offer, we assess your unique risks and needs to deliver cover that fits your business perfectly.

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Hassle Free Insurance

Network Trade are experts in every facet of construction trade insurance and have direct access to a vast network of insurance policies.

Our team searches exhaustively to find you the right policy at the best possible price, safeguarding you and your business against any unforeseen circumstances.

Team of Experts

Our team searches exhaustively to find you the right policy at the best possible price, safeguarding you and your business against any unforeseen circumstances.

Contact us for a quote

Feel free to discuss with us your queries regarding Motor Trade Insurance

We offer a wide range of motor trade services to meet your business needs

Phone: 01772 315192 
Email: info@networktradeinsurance.co.uk