How do I - Class within a class

Question

I am very new to C# programming and I am trying to find a more efficient way to do what I am trying.  What I wrote works, but its very clunky.

I have an account class, which entails an account number, sub-number and location.  Each account class will have one or more coverages.  Each of these coverages will have integers # of employees, # of insured, # of dependents.

So...

Acct 1  Coverage 8  - 8 emps, 6 insd, 6 deps
Acct 1 Coverage 25 - 2 emps, 2 insd, 1 dep
Acct 2 Coverage 1 - emps insd deps
Acct 3

You get the idea.  It would seem that a Coverage class within the account class would make logical sense, but I find that anywhere in my book to see whether its possible, and searching the web brought me no where.