Four lines, written affirmatively.
The legacy tower no longer answers for AI. Cyber excludes algorithmic loss. Errors and omissions excludes algorithmic outputs. General liability was not drafted with autonomous decisions in mind. Castra writes the four lines that close the gap. Each is affirmative by its terms. None defers to silence.
A buyer places one submission, receives one decision, and binds one set of paper. Lines may be written individually or in tower. Capacity is sourced from A-rated specialty paper. Premium is set at bind and adjusted quarterly against the telemetry contract.
Written as distinct paper.
Each line is its own form. Each form is its own attachment, its own exclusion schedule, its own telemetry contract. The four are independent. They may also be stacked into a single tower against a shared aggregate.
Liability for the autonomous act.
Counter-UAS, industrial robotics fleets, autonomous mobility, surgical robotics, agricultural autonomy, autonomous maritime. Coverage attaches to bodily injury, property damage, and consequential financial loss arising from the autonomous decision itself.
Read the formErrors of the decision agent.
Decision agents, retrieval-augmented systems, autonomous copilots, sales and support agents acting on behalf of the insured. Coverage attaches to financial loss to third parties from an erroneous or unauthorised agent action.
Read the formThe eval-anchored performance bond.
A first-party warranty tied to declared model performance on a Castra-shared evaluation set. If the model drifts below the warranty threshold during the policy period, the insured is indemnified for an agreed schedule of remediation cost and customer credit.
Read the formDefense for the regulatory inquiry.
EU AI Act, Colorado AI Act, NYC Local Law 144, sector-specific AI mandates from FDA, FINRA, NAIC, and forthcoming state regimes. Coverage attaches to defense and investigation cost, where insurable, arising from a formal regulatory inquiry or proceeding.
Read the formSix business days, start to bind.
The path from first submission to bound paper. A standard placement closes inside six business days. Complex towers, multi-line stacks, and re-tendering of declined risk take longer and are quoted on receipt.
A buyer engages through a retail or wholesale broker. Castra does not offer direct quotes. The submission package and broker panel are documented in detail on the Brokers page.
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Submission received.Application, model inventory, deployment scope, declared performance, broker letter of authority.
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Telemetry review.Castra ingests two weeks of action audit and a baseline classification stability run. Dependency graph snapshot.
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Quote issued.Indicative terms, limits, retentions, attachment, exclusions schedule. Capacity counterparty named.
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Bind & policy.Confirmation, premium booked, telemetry contract activated, policy documents issued.