• Reaching New Heights

    Progressive programs created by a team of leading experts

  • Fluent in Construction

    Understanding the industry’s unique business risk

  • Building Trust

    In Personal Relationships

  • Running Smoothly

    Helping your Business Run Smoothly

Who we are

We are a dynamic, independently owned provider of quality insurance products; based in the US and UK.

We are small enough to provide personal attention to our clients and large enough to carry weight with our capital providers.

The key to success is knowledge and experience. We have deployed a leading team of insurance practitioners whose expertise is highly regarded by insureds, brokers and capital providers alike in a variety of classes. This has allowed us to rapidly expand our business and become a class leader in our specialist sectors.



About Optio 

Optio Group is a leading specialty MGA focused on emerging insurance risks bringing together technology and market leading underwriting capabilities. Optio Group is one of the largest independently owned specialty MGAs, managing in excess of $385 million GWP.  We are here to drive innovation in insurance to manage risk more effectively.



Cove’s two companies were formed in 2011 and have operations in London as an MGA and in California as a US Surplus Lines Intermediary. Cove Program Underwriting is an approved Lloyd’s Coverholder with underwriting authority on all our programs and backed by Best’s AXV rated insurers, some of whom have supported our team members for over 20 years. Cove Programs Insurance Services, LLC is licensed in each individual state in which it operates and works under contract to the London operation.

In addition to Cove London’s Underwriting services, we also offer industry-leading claims analysis, loss control and risk engineering services.




By harnessing expertise and embracing technology, we strive to evolve with the needs of our business partners.  Using a combination of technology and market specialists, we create new products, services and solutions that bring efficiency to the market. With an open culture and unified approach, our people aim to form strong, long-term relationships with business partners so we can exceed expectations every time.

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