I was holding an annual surety account meeting out on the golf course one day with the agent and the contractor. This contractor works primarily as a subcontractor. He is financially strong and has a great reputation. I jokingly said: “If you are going to work as a subcontractor and insist on maintaining such a great reputation, how am I ever going to write any bonds for you?” General Contractors just do not typically ask for sub bonds from contractors they can trust.