Cove Programs

Cove, formed in 2011, is a provider of specialty insurance products.

It comprises of Cove Programs Underwriting Limited, a London-based managing general agent and approved Lloyd’s coverholder with underwriting authority on all its programs, backed by highly rated insurers, and Cove Programs Insurance Services LLC, a California-based surplus lines intermediary that is licensed in each state in which it operates.

One of the biggest challenges faced by commercial general builders is the risk of subcontractor non-performance. With the experience and insights offered by Cove’s SDI risk engineers and account executives, we can not only help our clients better manage subcontractor performance risk, but we can also help them become better contractors and better businesses.

Nathan Espe Head of SDI
Cove Program Underwriting is a trading name of Optio Underwriting Limited (FCA FRN: 954101). Cove Program Insurance Services LLC is a California based surplus lines intermediary which is individually licensed in each state in which it operates.