Welcome to Cove
A fresh brand from a team brokers already trust.
Experienced. Independent. Balanced. Nimble.
Cove is an independent Australian underwriting agency, acting under a binder as agent of certain Underwriters at Lloyd’s. We were built for one audience, brokers, and one purpose: to make placing SME cover simple, fast and dependable.
01
Experienced.
Cove is led by founder David Fogarty, who has spent more than 20 years running agencies in the Lloyd’s market. He built Point Underwriting into a trusted accident and sickness agency. Cove brings that same discipline to liability and property, with the relationships to match.
Strong moorings. A team that’s been here before.
02
Independent.
We’re not owned by a broker network or a big insurer. That leaves us free to back the brokers we work with, set our own service standards and make decisions on the merits of each submission.
03
Balanced.
We hold a clear appetite and stick to it. Fair pricing for your clients and sound results for our capacity providers go hand in hand. That balance is what keeps capacity steady, year after year.
04
Nimble.
Small team, short lines, quick decisions. Straightforward business binds online in Cove App; anything else goes straight to an underwriter who can say yes, no or here’s what we need.
[LIFESTYLE IMAGE]
Claims, kept close
No rough seas at claim time.
We handle every claim in-house. Each one is acknowledged within one business day and given a named Cove claims specialist, who keeps you updated at agreed milestones. You’ll never need to chase us for a status, and your client sees the cover you placed working as it should.
1 business day
Every new claim acknowledged
One named specialist
A single contact for you and your client
Agreed milestones
Proactive updates, so you never chase
Meet the founders
Fresh brand, familiar faces.
[PHOTO: DAVID FOGARTY]
David Fogarty
Founder & CEO
Two decades inside the Lloyd’s ecosystem, across product design, capacity, claims and distribution. David started Cove to give brokers the agency he always wanted to deal with: experienced people, clear answers and no runaround.
[PHOTO: JASMIN ROYSTON]
Jasmin Royston
Founder & Director of Operations
[Short bio: experience, what Jasmin looks after at Cove, and what brokers can expect from her team.]
[PHOTO: ROB DAVIES]
Rob Davies
Founder & Director of Distribution
[Short bio: experience, what Rob looks after at Cove, and what brokers can expect from his team.]
Find your cove.
Talk to our team about your next client.