Crossword Genius

Cover charge? (7)

Ross

I believe the answer is:

premium

This clue could be a double definition.

'cover' is the first definition.
Although both the answer and definition are singular nouns, I can't understand how they can define each other.

'charge?' is the second definition.
(I know that premium is a type of charge)

(Other definitions for premium that I've seen before include "Higher price - better quality" , "highest quality" , "Insurance charge" , "bonus payment" , "Award" .)

I've seen this clue in The Guardian and The Globe and Mail.
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