Coverage for the Firms That Manage and Advise.
Structured around how project and cost consulting professionals practice, contract, and carry risk.
Project and cost consultants operate at the intersection of advice and accountability. When a project goes over budget or falls behind schedule, the consultant whose advice shaped those decisions is often among the first to face a professional liability claim.
Standard business insurance is generally not structured to address that exposure.
Disciplines We Serve
Built Around Your Discipline
Each discipline links to a dedicated page with coverage considerations specific to how those firms practice and carry risk. All coverage is subject to the terms, conditions, and limitations of the policy as issued.
Cost Estimators
When a project exceeds budget, the estimate is often the first thing scrutinized.
Project Controls
When a project outcome is disputed, the project controls record is frequently part of the review.
Capital Planning
Long-range investment recommendations carry significant financial consequences.
Scheduling Consultants
A disputed schedule or delay attributed to scheduling advice is among the professional exposures worth reviewing.
Owners Representatives
When a project outcome disappoints, the owner's representative is frequently named regardless of where fault lies.
Construction Consultants
How your contracts define scope and limit liability directly affects how professional exposure presents itself.
Worth Understanding
Before You Review Your Program
The most common gap is coverage not structured around how these firms actually contract and advise. Standard business insurance that does not respond to professional liability claims, policy limits that do not reflect project scale, contract language that accepts more liability than the program is designed to address.
These gaps surface when a dispute arises, not at renewal.
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.
Cyber Liability
AEC firms carry more data exposure than most expect. Responds to costs from a covered cyber incident.
The Process
How We Approach It
Step 1
Understand Your Services
What your firm does, how work is delivered, and how your input is used across projects.
Step 2
Review What You Have
Existing policies are reviewed against your operations. We look at limits, exclusions, and anything worth clarifying.
Step 3
Structure the Right Program
Coverage is considered based on your services and contracts. You will understand what each policy is designed to address.
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
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