Practical answers before you get started.

Cova is an AI platform for insurance brokers, underwriters and networks. It brings insurance research, policy and submission analysis, client records, documents and approved tools into one workspace, with human oversight. Cova for Business is the upcoming governed workspace for specialist AI teams.

Cova supports individual brokers, small and medium brokerages, enterprise brokerages and authorised representative networks. Underwriters can use Cova Agent with submissions, raters and binders and connect with brokers through Marketplace. Cova for Business is the upcoming product for organisations creating specialist AI teams around their work.

Cova currently supports customers in Australia, New Zealand, the United Kingdom and the United States. Hosting arrangements, insurance knowledge bases and agent configuration are localised for each supported market so that Cova reflects the region's terminology, market context and operating requirements.

Smaller teams can sign up and begin with Cova Base directly. Larger brokerages and networks can work with the Cova team on account structure, onboarding, governance, training and adoption.

Yes. Underwriters can create a Marketplace profile to present their appetite, contacts, documents and market updates to Cova brokers. Standard underwriter profiles are free.

In Australia, Cova Base is A$99, Pro is A$149, Max is A$299 and Cova for Business is A$399 per user, per month, excluding GST. The pricing page displays local pricing and the applicable currency for Australia, New Zealand, the United Kingdom and the United States. Network plans and agreed rate cards may also be available.

Cova Base includes the standard AI model and rate limits, Cova Assistant, Cova Clients, Marketplace, Cova Match, Templates and Podcasts.

Cova Pro adds a stronger AI model, higher rate limits, Schedules, Meeting Assistant, and email and calendar integration to the capabilities included in Base.

Cova Max includes Cova Agent with parallel tasks, Cova Forms, the highest standard usage allowance and everything included in Pro.

Cova for Business is the upcoming governed multi-agent workbench. It includes Max capabilities and is designed for organisations configuring specialist agent teams around approved tools, knowledge and responsibilities.

It may. Network plans and agreed rate cards can differ from the public pricing. Contact Cova if you are unsure whether your brokerage qualifies for a network rate.

No. Each seat is for one authorised user. Login details must not be shared or used by multiple people, and the number of active users must remain within the seats included in the subscription.

Yes. Plans have different usage allowances and may be subject to daily fair-use thresholds. If a threshold is reached, usage-intensive features may be slowed, queued or temporarily restricted until the next daily reset. Unused daily usage does not roll over.

Plans and seats can be changed through the process offered by Cova. Upgrades or additional seats may be charged on a pro-rata basis. Downgrades and seat reductions generally take effect under the applicable subscription arrangements and do not create credits for unused access during a current paid period.

Subscriptions renew automatically unless cancelled. Monthly cancellations generally take effect at the end of the current monthly period, and annual cancellations at the end of the current annual period. Fees paid in advance are generally not refundable for unused time, subject to rights under applicable law.

Not necessarily. Cova can work alongside an existing broker management system. Cova Clients also provides a broker-focused CRM and attached document management for teams that want to manage client context directly in Cova.

Yes. Cova Clients and its attached document management capability are included in the base platform. Availability of specialist tools such as Agent, Forms, Schedules and Meeting Assistant depends on the selected plan.

Direct integrations with Insight and WinBEAT are not currently live. Teams can bulk upload client data, and Cova Schedules can reformat insurer schedules into cleaner structures that are easier to import into broker management systems.

Cova supports Microsoft Outlook and Gmail, including calendar integration, on Pro plans and above. Bring email into Cova, save correspondence to client files, prepare draft replies and use calendar context. Shared inboxes can be shared with authorised teammates. Connection availability depends on your environment and the permissions granted by the email provider.

Yes. Cova is available on iOS and Android, and synchronises conversations and work with the main Cova platform. Download it from the App Store or Google Play.

Yes. Customer and client records can be bulk uploaded, and approved documents and knowledge can be made available to supported Cova workflows. Customers remain responsible for ensuring they have the rights and lawful basis required to provide that data.

No. Cova is a professional copilot and workflow tool. It does not replace licensed insurance advice, legal advice, underwriting or claims decisions, regulatory determinations or professional judgement.

Yes. Users must review, verify, adapt and approve outputs before relying on them, publishing them or providing them to a client, insurer, regulator or other third party.

Yes. Like other AI systems, outputs can be inaccurate, incomplete, outdated or affected by hallucinations and bias. Important information should be checked against policy documents, insurer materials and other authoritative sources.

Yes, after professional review and adaptation. AI-generated content should not be sent verbatim without a qualified person checking that it is accurate, appropriate and consistent with the brokerage's obligations.

Cova is not intended to make fully automated decisions that produce legal or similarly significant effects without appropriate human review by a qualified professional.

Customers retain their rights in the documents, prompts, records and other Customer Material they provide. Cova receives the rights reasonably required to process that material and operate, secure and support the platform under the Terms.

No. Cova does not use Customer Material, uploaded documents, prompts or outputs to train, fine-tune or improve general AI or machine-learning models unless the relevant customer expressly agrees in writing.

Cova localises hosting arrangements for its supported markets in Australia, New Zealand, the United Kingdom and the United States. For Australian and New Zealand operations, standard arrangements may use AWS infrastructure in Sydney with backups in Melbourne. The applicable regional hosting and processing arrangements are documented in the customer's agreement and data terms. Some information may still be accessed or processed elsewhere where needed for AI processing, support, security, analytics, administration or legal compliance.

Cova takes reasonable steps designed to keep Customer Material separated between customer environments. Customer-specific context, memory, prompts, outputs and usage history are intended to remain within the relevant customer, account or user environment.

Cova can process sensitive insurance-related information where it is reasonably necessary for legitimate broking, underwriting, claims, risk management or related professional work. Customers must have the required rights, notices, consents, authorisations and lawful basis before providing it.

Do not upload full payment-card details, passwords, API keys, private keys, access tokens, government financial identifiers, unique healthcare identifiers, authentication biometrics, unlawful material or any other data Cova identifies as prohibited.

Yes. Cova uses subprocessors for services such as hosting, AI processing, authentication, analytics, communications and billing. These providers may process information where reasonably required to deliver and support the platform.

ISO/IEC 42001 is the international standard for artificial intelligence management systems. Cova's certification independently validates a structured approach to AI governance, risk management, accountability, monitoring and continuous improvement.

Customer Material may be retained, returned, deleted or de-identified in line with the Terms, Privacy Policy, applicable data processing terms and Cova's retention practices. Customers should export any material or outputs they require before access ends.

Smaller teams can use self-serve onboarding. Larger brokerages and networks can receive coordinated onboarding, training, adoption and account support. Cova also provides reasonable email and phone support for technical issues during usual business support hours.

Yes. The Cova platform includes a growing library of training videos to help users learn the platform, understand key features and get more value from their Cova workspace.

You can submit feedback within the Cova platform about any aspect of the product or a specific AI response. Feedback is sent directly to the Cova team to help us investigate issues, make fixes and continue improving the platform and its AI capabilities.

No online service can guarantee uninterrupted availability. Cova may depend on cloud, AI, authentication and integration providers, and maintenance or third-party incidents can affect service. Cova takes reasonable steps to operate and support the platform but does not promise that every feature will always be error-free or available.