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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.

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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.

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Project Controls

When a project outcome is disputed, the project controls record is frequently part of the review.

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Capital Planning

Long-range investment recommendations carry significant financial consequences.

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Scheduling Consultants

A disputed schedule or delay attributed to scheduling advice is among the professional exposures worth reviewing.

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Owners Representatives

When a project outcome disappoints, the owner's representative is frequently named regardless of where fault lies.

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Construction Consultants

How your contracts define scope and limit liability directly affects how professional exposure presents itself.

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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 do not surface at renewal. They surface at claim time.

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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.

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Commercial Auto

For vehicles owned, leased, or used by the business.

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Workers' Compensation

For covered employee injuries tied to work. This can include office injuries, travel-related work injuries, or incidents during job site visits.

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Professional Liability

Helps respond when a client alleges your professional services caused a financial loss, project issue, or other damages.

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Umbrella Liability

Sits above multiple underlying policies and responds when primary limits are exhausted.

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Excess Liability

Extends the limits of a single underlying policy without changing its terms.

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Cyber Liability

AEC firms carry more data exposure than most expect. Responds to costs from a covered cyber incident.

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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.

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M rudge
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Hardcover and Avi offered a very smooth and professional transition into fantastic products that will best fit our Employees and Clients. Avi was a genius in evaluating our business needs and setting us up with the most successful products. His follow up and follow through skills are unmatched! Hardcover has one of the best payment websites to navigate as well, very user friendly. I would definitely recommend Avi and Hardcover!
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H Rasmussen
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Avi and team were great to work with and helpful walking through the process of acquiring new insurance. Professional and courteous. They helped us save a bit of money and understand the options in different policies. Give 'em a shot
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S Graciano
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We’ve had an excellent experience working with our workers’ compensation and general liability insurance broker. They are knowledgeable, responsive, and always take the time to explain coverage options clearly. Their team has been proactive in helping us manage risk, keep our policies up to date, and find competitive rates for our business. Whenever we have questions or need certificates issued quickly, they respond promptly and professionally. It’s reassuring to work with a broker who truly understands the needs of businesses and provides reliable support when it matters most. Highly recommended for any company looking for dependable insurance guidance and outstanding customer service.
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T Vavra
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Hardcover is a welcome new manager for my architectural insurance needs. The experience has been great from the very beginning. They understand the needs of our industry very well and work hard, and quickly, to take care of things. The transition to having them as my broker was painless and cost saving. I wish I had found Avi and the rest of the team years ago. Even with the long time I have been in the business, I still learned a few things from the encounter.
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F (Just
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It was very easy to work with Avi , fast and quick Answers. Very competitive prices . Highly recommended.
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R Teachey
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As a professional engineer with 15 years experience, just getting started striking out on my own, Hardcover and Avi were utterly fantastic in leading me to the kind of insurance coverage I need to keep me protected from risk, and at an unbelievable price. Highly recommend checking them out.
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J D
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Avi cold called me. I was impressed with his demeanor and quick to answer my questions but it was almost a year before I was due to renew my Professional Liability Insurance. So, when it was time to renew my Professional Liability Insurance I reached back out and compared his work with two other agents. He won the work by being available, responsive, and a good value. I had a ton of questions durning and after the binding of the insurance and he was very willing to discuss and with a great attitude.
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M Liu
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Avi reviewed our existing coverage, which was no longer adequate for our small but growing architectural practice - and listened to our future needs before presenting his recommendations. He was patient, thorough, and a pleasure to work with.
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N Laeder
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Avi was super helpful making sure my policy was right-sized for my small solo practice. Definitely recommend.
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V Kolpakov
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Great service from Hardcover. Avi went above and beyond to get me the best coverage for my business and took the time to answer my barrage of questions and easing my concerns about switching coverages. Would highly recommend.
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