Know your risk. Know you're covered.
Cove is a commercial insurance brokerage for businesses, property owners and builders. We structure the right coverage, show you exactly what it does, and pick up the phone when you call.
Insurance got complicated. Understanding it shouldn't be.
Many business owners pay for coverage they can't fully explain. That isn't their fault.
Exclusions and conditions sit deep inside long policy forms.
Terms like "additional insured" decide real outcomes, and rarely get explained.
Too many owners find out where they're exposed when a claim gets denied.
We make it make sense.
You shouldn't need to be an insurance expert to understand your insurance. We do the technical work. Then we explain it in plain English, so every decision you make is an informed one.
When we're done, you can say:
- I know what's covered, and what isn't.
- I know where I'm exposed.
- I understand why it's recommended.
- I can actually reach my advisor.
Four steps, and round we go.
Understand your business
How you operate, where you're growing and what your contracts require. Risk starts there.
Structure the coverage
We take your account to the carriers that fit and build the program around your real exposures.
Explain it clearly
One visual summary of what's covered, what isn't and what we recommend. No decoding required.
Stay involved
Certificates, contract reviews, renewals and claims. Same advisor, all year.
Your whole program on one page.
A commercial policy can run hundreds of pages. You get a clear snapshot instead, built around the questions you actually ask.
- What's covered, in plain English
- Where you're exposed, flagged early
- What we recommend, and why it matters
$1M per occurrence, $2M aggregate. Meets your lease requirements.
Building, equipment and 12 months of lost income after a covered loss.
Your new lease requires $5M. You carry $2M.
You store customer payment data. A breach would be paid out of pocket.
- Raise the umbrella to $5M before the lease starts.
- Add cyber liability. We'll bring two options.
An advisor who knows your business. And answers.
Good tools make insurance faster. People make it right.
Call, text or email your advisor directly. No call center, no ticket number.
Rate changes, new contract requirements, renewal timing. You hear it from us early.
We gather the documents, work with the adjuster and keep you posted until it's closed.
Built for businesses with real exposure.
From one storefront to a portfolio of buildings. We know how each industry gets hurt, and how to cover it.
Construction
Contractors, trades and developers. Builder's risk, wrap-ups and bonds.
Real estate
Owners, landlords and property managers. One program across every building.
Manufacturing
Property, product liability, equipment breakdown and cargo.
Retail & hospitality
Storefronts, restaurants and multi-location brands.
Healthcare
Practices and clinics. Malpractice, property and cyber.
Transportation
Fleets, trucking and logistics. Auto liability, cargo and physical damage.
Every line a commercial program needs.
Placed with carriers that know your industry. Explained so you know what each one does.
General liability
Injuries and property damage you're blamed for.
Workers' compensation
Medical bills and lost wages for injured employees.
Commercial property
Your building, equipment, inventory and lost income.
Commercial auto
Company vehicles, hired and non-owned autos, fleets.
Professional liability
Errors and omissions claims from clients.
Cyber liability
Data breaches, ransomware and funds transfer fraud.
Builder's risk
Structures under construction or renovation.
Surety bonds
Bid, performance, payment and license bonds.
Excess & umbrella
Higher limits for contracts that require them.
Management liability
D&O, EPLI and fiduciary coverage.
A cove is a naturally sheltered place.
Protected from the uncertainty around it. That's how your insurance should feel. You know what's out there, and you know you're covered.
Your coverage, one login away.
Everything about your insurance in one place, explained as clearly as we explain it in person.
- Download your policies and documents
- Request certificates of insurance in seconds
- Report a claim and see where it stands
- Your carrier’s claims line for every policy
- Your advisor’s direct phone and email, always at hand
Sign in to download your documents, request certificates and report a claim.
Sign in to your portalLet's talk about your business.
Tell us a little about what you do. An advisor will set up a conversation. No pressure, no jargon.
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