Who We Are
A Structured Approach to Complex Risk
Exclusively focused on AEC and specialized disciplines. Depth in a specific space produces more informed outcomes than broad coverage across every industry.
Why We Exist
Built Around
Specialized Work
Architecture, engineering, and design firms have historically been underserved by the broader insurance market. Brokers who don't understand contract structure place coverage based on assumptions rather than how these firms actually practice.
That gap is what Hardcover was built to address.
We work exclusively within the AEC community and the specialized disciplines alongside it. That focus shapes how we evaluate exposure, how we select carriers, and how we stay involved after a policy is placed.
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.
The Hardcover Difference
Placement Informed by
How Your Firm Actually Works
Before coverage is placed, we consider your scope of work, your contract requirements, and how risk tends to present itself in your discipline. Carriers are selected based on their familiarity with AEC exposures.
Scope-Driven
Coverage is structured around your actual operations. Your discipline and how you practice inform every placement decision.
Contract-Aware
Your contract requirements and evolving exposures inform how your program is structured. We review both before anything goes to market.
Carrier Relationships Built Over Years
We work with markets that have underwritten AEC and professional liability risks for years. Those relationships affect the quality of terms we can access.
How We Place Coverage
Markets That Know Your Industry
Getting a submission in front of the right carrier is not the same as getting a quote from any carrier willing to write the risk.
We work with carriers and wholesale partners that specialize in AEC and professional liability exposure. When we submit your firm, we approach markets that have underwritten firms like yours before.
Those relationships matter beyond placement. At renewal, during a negotiation, or when a claim requires attention, the quality of a market relationship affects how those conversations go.
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.
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.