A Texas General Contractor (GC) recently faced a nightmare: a $2.3 million subcontractor default. Despite having Surety Bonds, the investigation dragged on for 11 months. During that year-long wait, the GC funded remediation out of pocket, exhausting their line of credit just to survive. This isn't just a "bad break", it’s a systemic risk. For Construction company, choosing between Subcontractor Default Insurance (SDI)  and Surety Bonds  is the difference between project cont