What We Cover
Coverage Across Every Layer of Your Risk
Structured around your scope of work, contract requirements, and exposure profile.
Two firms can do similar work and carry very different risk profiles. Before anything is placed, we review your contracts, your project types, and your discipline. That review is the foundation of every recommendation we make.
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
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.
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
Who We Work With
Focused on AEC and Specialized Disciplines
Architects, engineers, contractors, environmental consultants, surveyors, and the specialized disciplines alongside them. That focus means the questions we ask are more informed and the gaps in a program are less likely to go unaddressed.
Worth Knowing
Questions That Come Up Often
Do I need Professional Liability if I already have General Liability?
GL and professional liability are designed to respond to different types of claims. GL generally addresses third-party bodily injury and property damage. Professional liability is intended to respond to claims tied to your professional services. Most AEC firms carry both. We review your specific situation before making any recommendation.
What's the difference between Umbrella and Excess Liability?
Umbrella sits above multiple underlying policies and may address certain gaps between them. Excess stacks additional limits on top of a single underlying policy and follows its terms exactly. Which is appropriate depends on how your overall program is structured. We review both before recommending either.
Can I just go with whatever my contract requires?
Contract minimums are generally set to protect the project owner. They are a useful reference point but not necessarily the right limit for your firm's specific exposure. We review both before making a recommendation.
Start the Conversation
Want to See How Your Program Holds Up?
Tell us about your firm and the work you take on.
We'll take a look and share what we find.