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Specialized Insurance for Architects, Engineers, & Construction Specialists

Precision in Risk. Clarity in Coverage.

Coverage structured around how your firm actually operates.

Most Coverage Looks Right. Until It's Tested.

How We Work

The Open Book Standard

We review your contracts, scope of work, and current coverage before anything is placed. You will know what the program is designed to address and where its limitations are before anything is bound.

Transparency

Before anything is placed, you will know what the coverage is designed to address, where the limitations are, and why the program is structured the way it is.

Partnership

We stay engaged after a policy is placed. As your firm grows, your program is reviewed to reflect how your practice actually operates.

Precision

Every placement decision is informed by your discipline, your contracts, and your actual exposure.

Our Coverage Stack

Coverage Considered Across Every Layer

Coverage structured around your discipline and how your firm operates. All coverage is subject to the terms, conditions, and limitations of the policy as issued.

General & Property Liability (BOP) 

Helps respond when someone claims your business caused bodily injury or property damage.

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Commercial Auto

For vehicles owned, leased, or used by the business.

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Workers' Compensation

For covered employee injuries tied to work. This can include office injuries, travel-related work injuries, or incidents during job site visits.

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Professional Liability

Helps respond when a client alleges your professional services caused a financial loss, project issue, or other damages.

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Umbrella Liability

Sits above multiple underlying policies and responds when primary limits are exhausted.

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Excess Liability

Extends the limits of a single underlying policy without changing its terms.

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Project Specific Professional Liability 

A standalone policy covering one project under its own limit, separate from your annual program.

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Builders Risk

Responds to physical loss or damage during construction. Standard property policies typically exclude this phase.

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Cyber Liability

AEC firms carry more data exposure than most expect. Responds to costs from a covered cyber incident.

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Environmental Liability

Helps respond to certain claims involving pollution, contamination, mold, indoor air quality, or environmental conditions.

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Risk Management

Helps respond to certain claims involving pollution, contamination, mold, indoor air quality, or environmental conditions.

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Contractors Professional Liability

Helps address professional services exposure for contractors, including standalone consulting, design coordination, and design-build work

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What Our Clients Say

Trusted by Architects, Engineers and Design Professionals

Over 275+ reviews from firms across the design and construction industry. Clients often mention responsiveness, clear communication, and help making insurance easier to understand.

Read More Reviews on Google
Posted on Google Google
M rudge
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Hardcover and Avi offered a very smooth and professional transition into fantastic products that will best fit our Employees and Clients. Avi was a genius in evaluating our business needs and setting us up with the most successful products. His follow up and follow through skills are unmatched! Hardcover has one of the best payment websites to navigate as well, very user friendly. I would definitely recommend Avi and Hardcover!
Posted on Google Google
H Rasmussen
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Avi and team were great to work with and helpful walking through the process of acquiring new insurance. Professional and courteous. They helped us save a bit of money and understand the options in different policies. Give 'em a shot
Posted on Google Google
S Graciano
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We’ve had an excellent experience working with our workers’ compensation and general liability insurance broker. They are knowledgeable, responsive, and always take the time to explain coverage options clearly. Their team has been proactive in helping us manage risk, keep our policies up to date, and find competitive rates for our business. Whenever we have questions or need certificates issued quickly, they respond promptly and professionally. It’s reassuring to work with a broker who truly understands the needs of businesses and provides reliable support when it matters most. Highly recommended for any company looking for dependable insurance guidance and outstanding customer service.
Posted on Google Google
T Vavra
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Hardcover is a welcome new manager for my architectural insurance needs. The experience has been great from the very beginning. They understand the needs of our industry very well and work hard, and quickly, to take care of things. The transition to having them as my broker was painless and cost saving. I wish I had found Avi and the rest of the team years ago. Even with the long time I have been in the business, I still learned a few things from the encounter.
Posted on Google Google
F (Just
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
It was very easy to work with Avi , fast and quick Answers. Very competitive prices . Highly recommended.
Posted on Google Google
R Teachey
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
As a professional engineer with 15 years experience, just getting started striking out on my own, Hardcover and Avi were utterly fantastic in leading me to the kind of insurance coverage I need to keep me protected from risk, and at an unbelievable price. Highly recommend checking them out.
Posted on Google Google
J D
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Avi cold called me. I was impressed with his demeanor and quick to answer my questions but it was almost a year before I was due to renew my Professional Liability Insurance. So, when it was time to renew my Professional Liability Insurance I reached back out and compared his work with two other agents. He won the work by being available, responsive, and a good value. I had a ton of questions durning and after the binding of the insurance and he was very willing to discuss and with a great attitude.
Posted on Google Google
M Liu
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Avi reviewed our existing coverage, which was no longer adequate for our small but growing architectural practice - and listened to our future needs before presenting his recommendations. He was patient, thorough, and a pleasure to work with.
Posted on Google Google
N Laeder
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Avi was super helpful making sure my policy was right-sized for my small solo practice. Definitely recommend.
Posted on Google Google
V Kolpakov
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Great service from Hardcover. Avi went above and beyond to get me the best coverage for my business and took the time to answer my barrage of questions and easing my concerns about switching coverages. Would highly recommend.
The Process

How We Approach It

From initial conversation to structured recommendation, every step is deliberate.

Step 1
Tell Us About Your Firm

What you do, the projects you take on, and how your team is structured.

Step 2
We Review Your Exposure

Your contracts, current coverage, and where risk tends to surface in firms like yours.

Step 3
You Get a Recommendation

Built around your discipline and operations. You will know what the policy addresses and what it excludes before anything is placed.

It Starts With a Conversation

Ready to Find the Right Coverage?

A structured review can help identify considerations that may not be immediately visible. Tell us about your business — no pressure, no jargon.

Fill Up the Form

Fill up the required fields to let us get to know your needs.

Upload Your Policy

Upload your policy for an accurate quotation.

Important Notice: Submitting documents through this website does not constitute insurance advice, bind or modify coverage, or create an agent-client relationship. All coverage terms, conditions, and availability are determined solely by the issuing insurance carrier and must be confirmed in writing.

Please ensure all pages of your 'Declarations Page' are included for the most accurate quote.