diff --git a/contracts/modules/cover/Cover.sol b/contracts/modules/cover/Cover.sol
index 6e51d69e87..81749efd99 100644
--- a/contracts/modules/cover/Cover.sol
+++ b/contracts/modules/cover/Cover.sol
@@ -474,44 +474,7 @@ contract Cover is ICover, MasterAwareV2, IStakingPoolBeacon, ReentrancyGuard {
     address commissionDestination
   ) internal {
 
-    // add commission
-    uint commission = premium * commissionRatio / COMMISSION_DENOMINATOR;
-
-    if (paymentAsset == 0) {
-
-      uint premiumWithCommission = premium + commission;
-      require(msg.value >= premiumWithCommission, "Cover: Insufficient ETH sent");
-
-      uint remainder = msg.value - premiumWithCommission;
-
-      if (remainder > 0) {
-        // solhint-disable-next-line avoid-low-level-calls
-        (bool ok, /* data */) = address(msg.sender).call{value: remainder}("");
-        require(ok, "Cover: Returning ETH remainder to sender failed.");
-      }
-
-      // send commission
-      if (commission > 0) {
-        (bool ok, /* data */) = address(commissionDestination).call{value: commission}("");
-        require(ok, "Cover: Sending ETH to commission destination failed.");
-      }
-
-      return;
-    }
-
-    IPool _pool = pool();
-
-    (
-      address payoutAsset,
-      /*uint8 decimals*/
-    ) = _pool.coverAssets(paymentAsset);
-
-    IERC20 token = IERC20(payoutAsset);
-    token.safeTransferFrom(msg.sender, address(_pool), premium);
-
-    if (commission > 0) {
-      token.safeTransferFrom(msg.sender, commissionDestination, commission);
-    }
+    CoverUtilsLib.retrievePayment(premium, paymentAsset, commissionRatio, commissionDestination, pool());
   }
 
   function retrieveNXMPayment(uint price, uint commissionRatio, address commissionDestination) internal {
diff --git a/contracts/modules/cover/CoverUtilsLib.sol b/contracts/modules/cover/CoverUtilsLib.sol
index 472accf32c..468d65b5d3 100644
--- a/contracts/modules/cover/CoverUtilsLib.sol
+++ b/contracts/modules/cover/CoverUtilsLib.sol
@@ -2,18 +2,24 @@
 
 pragma solidity ^0.8.9;
 
+import "@openzeppelin/contracts-v4/token/ERC20/IERC20.sol";
+import "@openzeppelin/contracts-v4/token/ERC20/utils/SafeERC20.sol";
+
 import "../../interfaces/ICover.sol";
 import "../../interfaces/ICoverNFT.sol";
 import "../../interfaces/IProductsV1.sol";
 import "../../interfaces/IQuotationData.sol";
 import "../../interfaces/ITokenController.sol";
 import "../../libraries/SafeUintCast.sol";
+import "../../interfaces/IPool.sol";
 import "./MinimalBeaconProxy.sol";
 
 
 library CoverUtilsLib {
+  using SafeERC20 for IERC20;
 
   uint private constant GLOBAL_CAPACITY_DENOMINATOR = 10_000;
+  uint private constant COMMISSION_DENOMINATOR = 10_000;
 
   struct MigrateParams {
     uint coverId;
@@ -194,4 +200,50 @@ library CoverUtilsLib {
 
     return coverNFT.ownerOf(coverId);
   }
+
+  function retrievePayment(
+    uint premium,
+    uint8 paymentAsset,
+    uint16 commissionRatio,
+    address commissionDestination,
+    IPool _pool
+  ) external {
+
+    // add commission
+    uint commission = premium * commissionRatio / COMMISSION_DENOMINATOR;
+
+    if (paymentAsset == 0) {
+
+      uint premiumWithCommission = premium + commission;
+      require(msg.value >= premiumWithCommission, "Cover: Insufficient ETH sent");
+
+      uint remainder = msg.value - premiumWithCommission;
+
+      if (remainder > 0) {
+        // solhint-disable-next-line avoid-low-level-calls
+        (bool ok, /* data */) = address(msg.sender).call{value: remainder}("");
+        require(ok, "Cover: Returning ETH remainder to sender failed.");
+      }
+
+      // send commission
+      if (commission > 0) {
+        (bool ok, /* data */) = address(commissionDestination).call{value: commission}("");
+        require(ok, "Cover: Sending ETH to commission destination failed.");
+      }
+
+      return;
+    }
+
+    (
+    address payoutAsset,
+    /*uint8 decimals*/
+    ) = _pool.coverAssets(paymentAsset);
+
+    IERC20 token = IERC20(payoutAsset);
+    token.safeTransferFrom(msg.sender, address(_pool), premium);
+
+    if (commission > 0) {
+      token.safeTransferFrom(msg.sender, commissionDestination, commission);
+    }
+  }
 }