.cls-1,.cls-2{fill:#fff;}.cls-1{fill-rule:evenodd;}Optio_Cove_Horizontal_White_RGB HOME OUR BUSINESS OUR PEOPLE CONTACT US JOIN US This website https://coveprograms.com (“Our Site”) uses Cookies and similar technologies in order to distinguish you from other users. By using Cookies, We are able to provide you with a better experience and to improve Our Site by better understanding how you use it. Please read this Cookie Policy carefully and ensure that you understand it. Your acceptance of Our Cookie Policy is deemed to occur if you continue using Our Site. If you do not agree to Our Cookie Policy, please stop using Our Site immediately. 1. Definitions and Interpretation 1.1 In this Cookie Policy, unless the context otherwise requires, the following expressions have the following meanings: “Cookie” means a small file placed on your computer or device by Our Site when you visit certain parts of Our Site and/or when you use certain features of Our Site; “Cookie Law” means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003 and of EU Regulation 2016/679 General Data Protection Regulation (“GDPR”); “personal data” means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data, as defined by EU Regulation 2016/679 General Data Protection Regulation (“GDPR”); and “We/Us/Our” means Cove Program Underwriting, a trading name of Optio Underwriting Ltd., a limited company registered in England under company number 09524616, whose registered and trading address is 10th floor, 1 Minster Court, Mincing Lane, London, EC3R 7AA, United Kingdom. 2. Information About Us 2.1 Our Site is owned and operated by Cove Program Underwriting, a trading name of Optio Underwriting Ltd., a limited company registered in England under company number 09524616, whose registered and trading address is 10th floor, 1 Minster Court, Mincing Lane, London, EC3R 7AA, United Kingdom. Cove Program Underwriting is part of a holding company called Optio. For more information about the Optio, please visit their website at https://www.optiogroup.com 2.2 Our VAT Registration Number is 239437876-001. 2.3 The person responsible for Data Protection is John Mawson and he can be contacted by email at info@optiogroup.com, by telephone on 0203 859 2151, or by post at 10th floor, 1 Minster Court, Mincing Lane, London, EC3R 7AA, United Kingdom. 2.4 We are an Appointed Representative of Bay Risk Services Limited which is authorised and regulated by the Financial Conduct Authority. Ref. No. 719954. 2.5 We are a Lloyd’s Coverholder. 3. How Does Our Site Use Cookies? 3.1 Our Site may place and access certain first party Cookies on your computer or device. First party Cookies are those placed directly by Us and are used only by Us. We use Cookies to facilitate and improve your experience of Our Site and to provide and improve Our services. We have carefully chosen these Cookies and have taken steps to ensure that your privacy and personal data is protected and respected at all times. 3.2 By using Our Site, you may also receive certain third party Cookies on your computer or device. Third party Cookies are those placed by websites, services, and/or parties other than Us. Third party Cookies are used on Our Site for the embedded Google map that is set by Google. For more details, please refer to section 4 below. 3.3 All Cookies used by and on Our Site are used in accordance with current Cookie Law. We may use some or all of the following types of Cookie: 3.3.1 Strictly Necessary Cookies A Cookie falls into this category if it is essential to the operation of Our Site, supporting functions such as logging in, your shopping basket, and payment transactions. 3.3.2 Analytics Cookies It is important for Us to understand how you use Our Site, for example, how efficiently you are able to navigate around it, and what features you use. Analytics Cookies enable us to gather this information, helping Us to improve Our Site and your experience of it. 3.3.3 Functionality Cookies Functionality Cookies enable Us to provide additional functions to you on Our Site such as personalisation and remembering your saved preferences. Some functionality Cookies may also be strictly necessary Cookies, but not all necessarily fall into that category. 3.3.4 Targeting Cookies It is important for Us to know when and how often you visit Our Site, and which parts of it you have used (including which pages you have visited and which links you have visited). As with analytics Cookies, this information helps us to better understand you and, in turn, to make Our Site and advertising more relevant to your interests. 3.3.5 Third Party Cookies Third party Cookies are not placed by Us; instead, they are placed by third parties that provide services to Us and/or to you. Third party Cookies may be used by advertising services to serve up tailored advertising to you on Our Site, or by third parties providing analytics services to Us (these Cookies will work in the same way as analytics Cookies described above). 3.3.6 Persistent Cookies Any of the above types of Cookie may be a persistent Cookie. Persistent Cookies are those, which remain on your computer or device for a predetermined period and are activated each time you visit Our Site. 3.3.7 Session Cookies Any of the above types of Cookie may be a session Cookie. Session Cookies are temporary and only remain on your computer or device from the point at which you visit Our Site until you close your browser. Session Cookies are deleted when you close your browser. 3.4 Cookies on Our Site are not permanent and will expire as indicated in the table below. 3.5 For more details of the personal data that We collect and use, the measures we have in place to protect personal data, your legal rights, and our legal obligations, please refer to our Privacy Policy. 3.6 For more specific details of the Cookies that We use, please refer to the table below. 4. What Cookies Does Our Site Use? 4.1 The following first party Cookies may be placed on your computer or device: Name of Cookie Purpose & Type Strictly Necessary _cmsg This is a first party cookie that’s essential for the operation of the site. You will see a cookie consent feature upon your first visit to our website, whereby one additional cookie will be stored to save the users consent preference and hide the cookie consent message for future visits for a set period of time. Yes 4.2 No third party Cookies may be placed on your computer or device. Please see 4.5 below: 4.3 Our Site uses analytics services provided by Google Analytics. Website analytics refers to a set of tools used to collect and analyse anonymous usage information, enabling Us to better understand how Our Site is used. This, in turn, enables Us to improve Our Site and the services offered through it. You do not have to allow Us to use these Cookies, however whilst Our use of them does not pose any risk to your privacy or your safe use of Our Site, it does enable Us to continually improve Our Site, making it a better and more useful experience for you. 4.4 The analytics service(s) used by Our Site use(s) analytics Cookies to gather the required information. 4.5 The analytics service(s) used by Our Site use(s) the following analytics Cookies: Name of Cookie Purpose & Type Provider Strictly Necessary _ga Used to distinguish users. Google Yes _gid Used to distinguish users. _gat Used to throttle request rate. If Google Analytics is deployed via Google Tag Manager, this cookie will be named _dc_gtm_<property-id>. 5. Consent and Control 5.1 Before Cookies are placed on your computer or device, you will be shown a pop up notifying you that our website uses cookies requesting your consent to set those Cookies by clicking “Okay, Continue”. By giving your consent to the placing of Cookies you are enabling Us to provide the best possible experience and service to you. You may, if you wish, deny consent to the placing of Cookies unless those Cookies are strictly necessary; however certain features of Our Site may not function fully or as intended. 5.2 In addition to the controls that We provide, you can choose to enable or disable Cookies in your internet browser. Most internet browsers also enable you to choose whether you wish to disable all Cookies or only third party Cookies. By default, most internet browsers accept Cookies but this can be changed. For further details, please consult the help menu in your internet browser or the documentation that came with your device. 5.3 The links below provide instructions on how to control Cookies in all mainstream browsers: 5.3.1 Google Chrome: https://support.google.com/chrome/answer/95647?hl=en-GB 5.3.2 Microsoft Internet Explorer: https://support.microsoft.com/en-us/kb/278835 5.3.3 Microsoft Edge: https://support.microsoft.com/en-gb/products/microsoft-edge (Please note that there are no specific instructions at this time, but Microsoft support will be able to assist) 5.3.4 Safari (macOS): https://support.apple.com/kb/PH21411?viewlocale=en_GB&locale=en_GB 5.3.5 Safari (iOS): https://support.apple.com/en-gb/HT201265 5.3.6 Mozilla Firefox: https://support.mozilla.org/en-US/kb/enable-and-disable-Cookies-website-preferences 5.3.7 Android: https://support.google.com/chrome/answer/95647?co=GENIE.Platform%3DAndroid&hl=en (Please refer to your device’s documentation for manufacturers’ own browsers) 6. Changes to this Cookie Policy 6.1 We may alter this Cookie Policy at any time. Any such changes will become binding on you on your first use of Our Site after the changes have been made. You are therefore advised to check this page from time to time. 6.2 In the event of any conflict between the current version of this Cookie Policy and any previous version(s), the provisions current and in effect shall prevail unless it is expressly stated otherwise. 7. Further Information 7.1 If you would like to know more about how We use Cookies, please contact Us by emailing info@optiogroup.com, by telephone on 0203 859 2151, or by post at 10th floor, 1 Minster Court, Mincing Lane, London, EC3R 7AA, United Kingdom. 7.2 For more information about privacy, data protection and our terms and conditions, please visit the following: 7.2.1 Website Privacy Policy https://coveprograms.com/privacy-policy/ 7.2.2 Terms & Conditions https://coveprograms.com/terms-and-conditions/ Cove Programs Insurance Services LLC 515 South Flower Street 18th and 19th Floors Los Angeles CA 90071 Cove Program Underwriting 10th Floor, 1 Minster Court Mincing Lane London EC3R 7AA Cove Program Underwriting, a trading name of Optio Underwriting Ltd. © 2021 Optio Underwriting Ltd. Terms and Conditions Privacy Policy Cookie Policy We use cookies to ensure you get the best experience on our website. Read our Cookie Policy for more information. OKAY, CONTINUE