Big-Firm Attention for the Firms Doing the Work.
Small and mid-sized architecture, engineering and construction firms carry real risk. Our mission is to give every one of them an agent who understands their work, reads the fine print and picks up the phone.
- 600+
- professional services firms
- 5.0
- on Google from 300+ reviews
- 65+
- technical specialties insured
- AM Best
- rated insurance companies
Small Firms Carry Real Risk. They Deserve Real Attention.
We started Hardcover for firms like yours. In a boutique firm, the principals have their hands in every part of the business: the design work, the client calls, the hiring, the invoices. Insurance is one more thing on that list, and it rarely gets the attention it deserves until something goes wrong.
Much of the insurance market treats smaller firms as small accounts. Calls come back slowly, renewals get reissued without a second look, and questions wait.
We built Hardcover to do it differently. We focus on AEC firms, a real person picks up when you call, and we compare your options at renewal. When something changes in your business, send it our way. We would rather take a look.
Four Moments Every Firm Knows.
This is where insurance usually lets small firms down. It is also where we put our attention.
A generic form and a generic class code. You get priced like every other office.
We describe your firm the way you actually practice, so underwriters see your real work.
It sits in your inbox while you guess whether your coverage lines up.
Send it over. We check the insurance requirements and tell you plainly what lines up and what doesn't.
You wait days, and the project waits with you.
Certificates go out fast, from a team that already knows your file.
The same policy gets reissued without a second look.
We review what changed in your firm and compare your options before you renew.
“We started looking for an independent broker who’d treat us like a client rather than an account number. Avi Rabbani has done exactly that.”
Rafi K. · Design studio, switched after an acquisition
What You Can Hold Us To.
- 01
We read before we recommend.
Your contracts, your services and your current policy come first. You know what a program is built to address, and where its limits are, before anything is placed.
- 02
We describe your work accurately.
Underwriters price what they see on the application. We describe your firm the way you actually practice, so you are rated for your real risk and not a generic class code.
- 03
We stay in it after the policy.
Certificates, contract questions, new services and renewals go to the same team that knows your firm. When your work changes, your program gets reviewed.
Most of the firms we work with are run by people who wear every hat. They design, they manage clients, they hire and they send the invoices. Insurance ends up last on the list.
That is the problem I started Hardcover to solve. Not by selling more coverage, but by paying attention: knowing what your firm actually does, catching what a contract asks for before you sign it, and being reachable when you need us.
Your work shapes buildings, sites and cities. Your insurance should get the same care.
A Small Team That Knows Your Firm.
You work with people, not a call center. The same team handles your quotes, certificates, contract questions and renewals, so nothing has to be explained twice.
Why Firms Stay.
We dug into our studio’s previous policy and found that our previous broker really did not understand our business as an Interior Design studio. Avi asked the right questions to get us better insurance coverage.
He clearly explained my options, discussed the details of each policy, helped tailor the plans to my business needs, and was always responsive and easy to reach.
As a professional civil engineer and owner of my own engineering firm, my time is extremely limited. Avi made obtaining my Professional Liability (E&O) insurance simple and stress free.
Tell Us About Your Firm.
What you do, the contracts you sign and the coverage you have now. We will tell you what we see, in plain language.