Case Study · Surety & Construction Risk
Up to $9.36 in Protected Wellbeing for Every $1 of Surety Premium in Canada
A national assessment examined how performance and payment bonds protect public infrastructure projects, workers, businesses and households from construction insolvency risk.
Headline finding
Up to $9.36 per $1
Surety Association of Canada · 2025
What the Work Shows
Under a higher-risk construction scenario, performance and payment bonds were estimated to protect up to $9.36 in wellbeing for every $1 of premium paid on public infrastructure projects. The analysis also found that non-bonded construction enterprises were ten times more likely to become insolvent than bonded companies, and that the value of protection rises materially as sector risk increases.
Surety is usually described as financial protection. The social-value lens makes the people behind that protection visible: workers, households, suppliers and communities affected when construction firms fail.
A Connected View of Value
The analysis follows consequences through the people affected, compares outcomes across plausible alternatives, and keeps economic, fiscal and wellbeing effects connected rather than reporting each in isolation.
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