GL & Property
Risk Management
Cyber Liability
Workers' Compensation
Professional Liability
Environmental Liability
Specialized Insurance for Architects, Engineers, & Construction Specialists
Precision in Risk. Clarity in Coverage.
Coverage structured around how your firm actually operates.
Risk Management
Workers' Compensation
GL & Property
Professional Liability
Cyber Liability
Environmental Liability
- 275+ Five-Star Google Reviews
- Architects, Engineers, Design & Professionals
- Programs Built for 500+ Professional Service Firms
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.
Commercial Auto
For vehicles owned, leased, or used by the business.
Workers' Compensation
For covered employee injuries tied to work. This can include office injuries, travel-related work injuries, or incidents during job site visits.
Professional Liability
Helps respond when a client alleges your professional services caused a financial loss, project issue, or other damages.
Umbrella Liability
Sits above multiple underlying policies and responds when primary limits are exhausted.
Excess Liability
Extends the limits of a single underlying policy without changing its terms.
Project Specific Professional Liability
A standalone policy covering one project under its own limit, separate from your annual program.
Builders Risk
Responds to physical loss or damage during construction. Standard property policies typically exclude this phase.
Cyber Liability
AEC firms carry more data exposure than most expect. Responds to costs from a covered cyber incident.
Environmental Liability
Helps respond to certain claims involving pollution, contamination, mold, indoor air quality, or environmental conditions.
Risk Management
Helps respond to certain claims involving pollution, contamination, mold, indoor air quality, or environmental conditions.
Contractors Professional Liability
Helps address professional services exposure for contractors, including standalone consulting, design coordination, and design-build work
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.
I own a small landscape architecture firm and needed a new policy on a very tight timeline. Avi at Hardcover found a great policy that not only saved me significant money but also improved my coverage. He was responsive, knowledgeable, and very easy to work with throughout the entire process. Highly recommend working with Avi and the Hardcover team.
Hans Baumann
Owner of a landscape architecture firm
Hardcover has been excellent! As someone starting on my own, they guided me towards what makes the most sense for me and my business now and what to plan for in the future. They made me more confident in my coverage, but most importantly, more comfortable moving forward.
Nick Binder
Owner of a landscape architecture firm
Avi has been supportive and easy to work with throughout the process of getting my insurance set up. Heu2019s very responsive, helpful, and genuinely invested in his clients. Working with him feels personalized, and he truly celebrates your wins. Highly recommend.
Kelly Miller
Owner of a landscape architecture firm
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 u2014 no pressure, no jargon.
- No obligation
- Response within 1 business day
- Personalized to your business