A clean submission, bound in six.
Castra binds through licensed retail and wholesale brokers. We do not offer direct quotes. The submission package is short, structured, and the same across all four lines. A complete file enters quote within three business days. A complete file in tower binds in six.
This page sets out what we need, who is on the defense panel, and how the placement is compensated. A broker who has placed with us before will recognise the structure; a broker placing for the first time should treat this as the binder.
Twelve items, one envelope.
The submission package is twelve items, grouped into the firm record (six) and the AI deployment record (six). Brokers can submit the firm-record items on first contact; deployment-record items can follow once a non-disclosure agreement is in place.
Firm record
- i.Letter of authorityBroker authority to submit on behalf of the insured. Naming the placement, the lines requested, and the limit envelope.
- ii.Insured profileEntity, jurisdictions of operation, revenue band, employee count, headcount of engineering, AI governance owner.
- iii.Loss runsCyber, E&O, GL, D&O, technology professional indemnity. Open and closed claims, paid and reserved.
- iv.Existing tower scheduleLayer, carrier, limit, retention, expiry. Where AI is excluded by endorsement, attach the endorsement.
- v.Audited financialsOr reviewed/management accounts where audited not available. Net worth is not a binding criterion but is part of pricing.
- vi.Director attestationDisclosure of any pending or threatened regulatory inquiry into the insured's AI program.
AI deployment record
- vii.Model inventoryModel name, version, provider, hosted location, in-scope deployment, declared performance, eval set identifier.
- viii.Deployment scopeWhat the system does in the world, what action it takes, who is affected, where it operates, what the human-in-loop posture is.
- ix.Action-audit sampleA sample of the action-audit stream the insured intends to deliver under the telemetry contract. Schema validated.
- x.Evaluation setFor Model Warranty placements: the eval set itself, signed; otherwise the identifier and a hash of the canary partition.
- xi.Permit registerOperator certifications, DoD or other governmental permits, jurisdiction grants, fleet inventory and active perimeter.
- xii.Governance summaryRisk-management file index, high-risk classification register, bias-audit cadence, disclosure-register cadence.
The defense panel, by domain.
| Domain | Region | Firm (placeholder) | Lead counsel | Hourly cap |
|---|---|---|---|---|
| Autonomous systems liabilityCounter-UAS, robotics, mobility, surgical. | U.S. nationwide | To be named at bind | By placement | $1,150 |
| AI agent E&ODecision agents, RAG, copilots. | U.S. nationwide | To be named at bind | By placement | $1,150 |
| Model performance warrantyFirst-party SLA disputes. | U.S. coastal | To be named at bind | By placement | $1,050 |
| EU AI Act regulatory inquiryBrussels, Frankfurt, Amsterdam. | EU / EEA | To be named at bind | By placement | €850 |
| State AI act inquiryCO, CA, NY local law 144. | U.S. state-by-state | To be named at bind | By placement | $1,050 |
| FDA SaMD / PCCP510(k), de novo, post-market. | U.S. nationwide | To be named at bind | By placement | $1,250 |
| FINRA / SEC AI inquiryRecommendation systems, conflict. | U.S. nationwide | To be named at bind | By placement | $1,250 |
| EEOC / OCR / HUD disparate-impactAEDT, algorithmic fair-lending. | U.S. nationwide | To be named at bind | By placement | $1,100 |
A flat structure, net or gross.
Commission is paid as a percentage of gross written premium. The table below sets out the standard structure across the four lines, with the wholesale-retail split where the wholesale broker is the producer of record. Specialty placements involving multiple wholesale brokers or facultative-reinsurance commissions are negotiated separately.
| Coverage line | Retail commission | Wholesale split | Profit commission | Notes |
|---|---|---|---|---|
| Autonomous Systems | 17.5% | 12.5 / 5.0 | 7.5% over 60% LR | Cat-exposed sublimits attract reduced commission. |
| AI Agent E&O | 17.5% | 12.5 / 5.0 | 7.5% over 60% LR | Programmatic placements may be uplift-eligible. |
| Model Performance Warranty | 15.0% | 10.0 / 5.0 | 5.0% over 55% LR | First-party line, lower commission floor. |
| Regulatory Defense | 17.5% | 12.5 / 5.0 | 7.5% over 60% LR | Quarterly remittance, net of policy fees. |
| Tower (any 3 or 4 lines) | 18.5% | 13.0 / 5.5 | 8.0% over 60% LR | Tower uplift applies to aggregate GWP. |