Future thinking

We’re a group of insurance companies bringing together people and technology to find better solutions for our clients.

Optio brings together people and technology to innovate.

We are future thinking insurance experts and market-makers.

Through our companies, Cove Programs, Ascent Underwriting and Bay Risk Services, we develop products, services and solutions that have a positive impact on the insurance sector.

By bringing together smart technology and market specialists, we are able to innovate across speciality insurance products, underwriting services and broking, and build strong relationships with our business partners.

Our products

Discover our range of flexible products designed to reduce risk and keep your business performing.

Our technology

Find out more about our latest technology developments and learn how we use it to speed up processes, drive efficiency and improve accuracy.

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Our proprietary underwriting platform
Speed up your underwriting and claims processes with our powerful quote and bind technology platform, Optio Connect.