Predictika · Workers compensation submissions

An AI sales agent's workers compensation submission, checked before it goes out

An AI sales agent prepares a new-business workers compensation submission, and later the request to bind, for a hazardous-industry employer. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the carrier's published submission and binding rules and returns a verdict, every reason and the figures it computed.

Scope: AMERISAFE new-business workers compensation submissions and binding requests from agents — contents, timing, minimum premium, binding, deposit and certificates. See everything this validator covers

This validator models the agent-facing new-business and binding rules in AMERISAFE's public Ready Reference Guide, not just the scenarios shown below.

  • Submission — applications are accepted 120 days ahead of the effective date; the submission needs a completed ACORD 130, a current loss control contact, and valued loss runs for the current term and the three preceding years where the business has them, valued within six months; Florida roofers need the underwriter or territory sales manager contacted first.
  • Eligibility — the new business minimum rated premium is $5,000 with exceptions for some classes, so an estimated premium below it goes to a person for confirmation. The carrier serves agribusiness, construction, manufacturing, marine, oil and gas, roofing, trucking, wood products and other hazardous industries; the validator does not judge industry eligibility.
  • Binding — a quote is good for 60 days from issuance, the formal request to bind must arrive before the effective date, the deposit and signed forms are due within 10 business days of binding, and agents issue all certificates on an ACORD Form 25 only.

Any submission or binding request that touches these rules is in scope — not only the scenarios pictured here. Not covered: rates, class codes, experience modification, schedule credits and premium calculation (AMERISAFE files its rates with the states and they are not in its public agent guide, so this validator produces no price build-up or quote figure), claims, endorsements, audits, cancellations and reinstatements, and the state-by-state list of target class codes.

The AI sales agentPrepares the submission or the request to bind from the broker's file and says it is ready.
Predictika validatorChecks every rule at once and returns the verdict, each finding, and the computed figures.

8 scenarios in 4 groups · each group runs from the agent’s first attempt to the outcome · click one to switch

What the agent proposes

The AI sales agent says

Illustrative agent statement. The validator receives the structured request below.

Proposing agent: AI sales agent (scripted)

Before sending, the agent must call Recorded run

Predictika validator


      

        
        
        
      

      
Waiting for the call.

      
    

  

  
  

    
Where rules-based CPQ gets it wrong
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Our assessment of what a typical rules-based CPQ (product rules, price rules and validation rules, as in Salesforce CPQ) does with the same cases. It is a judgment about effort and reliability, not a claim that nothing can be built.

    
What the validator caughtTypical rules-based CPQPredictika
Dates that must hold together (120 days ahead, loss runs valued within six months, quote good for 60 days)Only with care
Each is date arithmetic on a free-entry field in a different object; a rule per window, and each must be kept in step if the carrier changes a window.		Every window is checked on every call, with the figure that failed in the reason.
Loss run years that depend on how long the business has operatedOnly with care
Three preceding years where the business has them: a minimum of two fields, which is a formula rule per product that someone must write and test.		Years of loss runs are compared with the years needed on every call.
Submission rules and binding rules in one flowOnly with workarounds
The two steps are separate records, so a rule for one must not fire on the other and each step needs its own set of conditions.		The step is a choice in the request; only that step's rules apply.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as a step is saved, so a rep often fixes one error and meets the next.		All findings come back together, whatever order the choices arrived in.

  

  

    
What this validator catches: findings from its test cases
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Every rule is checked on every call, in any order the choices arrive; one problem never hides another. Blocking findings stop the submission; approval findings need a person to sign off; everything else is computed.

    
1Applications are accepted 120 days in advance of the effective date; this one is for an effective date 121 days away.
2A completed ACORD 130 must be included with the submission.
3The submission must include a current loss control contact, with a direct name, number and email for the prospect.
4Loss runs must cover the current policy term and the three preceding years where the business has them; this submission has loss runs for 2 of the 3 preceding years needed.
5Loss runs must cover the current policy term and the three preceding years where the business has them; this submission has loss runs for 1 of the 2 preceding years needed.
6Loss runs must be valued within the last six months; these were valued 7 months ago.
7For Florida roofers the underwriter or territory sales manager must be contacted before the submission is sent.
8The new business minimum rated premium is $5,000, with exceptions for some classes; this account is estimated at $4,999, so an underwriter should confirm.
9Applications are accepted 120 days in advance of the effective date; this one is for an effective date 150 days away.
10Loss runs must cover the current policy term and the three preceding years where the business has them; this submission has loss runs for 1 of the 3 preceding years needed.
11Loss runs must be valued within the last six months; these were valued 9 months ago.
12Quotes are good for 60 days from the date of issuance; this quote was issued 61 days ago.
13A formal request to bind must be received before the effective date of coverage; this one was received 0 days after it.
14A formal request to bind must be received before the effective date of coverage; this one was received 3 days after it.
15The deposit and all forms requiring signature must be received within 10 business days of binding; they were received after 11 business days.
16Agents issue all certificates and only an ACORD Form 25 is approved.
17Quotes are good for 60 days from the date of issuance; this quote was issued 80 days ago.
18A formal request to bind must be received before the effective date of coverage; this one was received 2 days after it.
19The deposit and all forms requiring signature must be received within 10 business days of binding; they were received after 14 business days.

  

  

    
Scenarios and results
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The recorded result of the validator for each scenario on this page: the request the AI agent sent, the verdict, and every finding, in the order they appear above.

    
1. Florida roofing submission: A new Florida roofing submission

    
The agent's request. Please submit a new workers compensation application for a roofing employer in Florida, with coverage to start in 150 days. The submission includes loss runs for the current term and 2 preceding years, valued 8 months ago, and an estimated annual premium of $68,000. A current loss control contact is included. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Effective date more than 120 days away. Applications are accepted 120 days in advance of the effective date; this one is for an effective date 150 days away.
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  • ACORD 130 missing. A completed ACORD 130 must be included with the submission.
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  • Loss runs do not cover enough years. Loss runs must cover the current policy term and the three preceding years where the business has them; this submission has loss runs for 2 of the 3 preceding years needed.
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  • Loss runs valued too long ago. Loss runs must be valued within the last six months; these were valued 8 months ago.
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  • Florida roofer not cleared with the underwriter first. For Florida roofers the underwriter or territory sales manager must be contacted before the submission is sent.
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2. Florida roofing submission: The agent resubmits after fixing the errors

    
The agent's request. Please submit a new workers compensation application for a roofing employer in Florida, with coverage to start in 90 days. The submission includes loss runs for the current term and 2 preceding years, valued 2 months ago, and an estimated annual premium of $68,000. The ACORD 130 is attached. A current loss control contact is included. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Loss runs do not cover enough years. Loss runs must cover the current policy term and the three preceding years where the business has them; this submission has loss runs for 2 of the 3 preceding years needed.
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  • Florida roofer not cleared with the underwriter first. For Florida roofers the underwriter or territory sales manager must be contacted before the submission is sent.
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3. Florida roofing submission: The agent resubmits after fixing the errors

    
The agent's request. Please submit a new workers compensation application for a roofing employer in Florida, with coverage to start in 90 days. The submission includes loss runs for the current term and 3 preceding years, valued 2 months ago, and an estimated annual premium of $68,000. The ACORD 130 is attached. A current loss control contact is included. The underwriter was contacted before this submission. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Summary. The effective date is 90 days away (applications are accepted up to 120 days ahead) and the loss runs cover 3 preceding years.
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4. Oil and gas submission: An oil and gas submission for coverage starting in five months

    
The agent's request. Please submit a new workers compensation application for an oil and gas employer in Texas, with coverage to start in 150 days. The submission includes loss runs for the current term and 3 preceding years, valued 4 months ago, and an estimated annual premium of $210,000. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Effective date more than 120 days away. Applications are accepted 120 days in advance of the effective date; this one is for an effective date 150 days away.
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  • ACORD 130 missing. A completed ACORD 130 must be included with the submission.
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  • Loss control contact missing. The submission must include a current loss control contact, with a direct name, number and email for the prospect.
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5. Oil and gas submission: The agent resubmits after fixing the errors

    
The agent's request. Please submit a new workers compensation application for an oil and gas employer in Texas, with coverage to start in 90 days. The submission includes loss runs for the current term and 3 preceding years, valued 4 months ago, and an estimated annual premium of $210,000. The ACORD 130 is attached. A current loss control contact is included. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Summary. The effective date is 90 days away (applications are accepted up to 120 days ahead) and the loss runs cover 3 preceding years.
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6. Binding a trucking policy: A request to bind a trucking policy

    
The agent's request. Please bind the trucking workers compensation policy. The quote was issued 75 days ago, the formal request to bind will be sent 2 days after the effective date, the deposit and signed forms will arrive 14 business days after binding, and certificates will be issued on an ACORD Form 25. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Quote older than 60 days. Quotes are good for 60 days from the date of issuance; this quote was issued 75 days ago.
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  • Request to bind received after the effective date. A formal request to bind must be received before the effective date of coverage; this one was received 2 days after it.
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  • Deposit received too late. The deposit and all forms requiring signature must be received within 10 business days of binding; they were received after 14 business days.
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7. Binding a trucking policy: The agent resubmits after fixing the errors

    
The agent's request. Please bind the trucking workers compensation policy. The quote was issued 20 days ago, the formal request to bind will be sent 4 days before the effective date, the deposit and signed forms will arrive 6 business days after binding, and certificates will be issued on an ACORD Form 25. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Summary. The quote has 40 of its 60 days left; the deposit is due within 10 business days of binding.
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8. Small account: A small agribusiness submission

    
The agent's request. Please submit a new workers compensation application for an agribusiness employer in Texas, with coverage to start in 30 days. The submission includes loss runs for the current term and 3 preceding years, valued 3 months ago, and an estimated annual premium of $3,800. The ACORD 130 is attached. A current loss control contact is included. It is ready to send.

    
Verdict: Needs approval.

    
    
      
  • Below the minimum rated premium. The new business minimum rated premium is $5,000, with exceptions for some classes; this account is estimated at $3,800, so an underwriter should confirm.
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  • Summary. The effective date is 30 days away (applications are accepted up to 120 days ahead) and the loss runs cover 3 preceding years.
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Narration transcript
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The text of the narrated walkthrough, step by step.

    
    
      
  1. Welcome to a demo of Predictika's Validator. An AI sales agent prepares a new-business workers compensation submission, and later the request to bind, for a hazardous-industry employer. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the carrier's published submission and binding rules and returns a verdict, every reason and the figures it computed.
    2. 
      
  2. I will start with the first request by the agent.
    3. 
      
  3. The agent says. Please submit a new workers compensation application for a roofing employer in Florida, with coverage to start in 150 days. The submission includes loss runs for the current term and 2 preceding years, valued 8 months ago, and an estimated annual premium of $68,000. The rest of the request is on screen.
    4. 
      
  4. Before it goes out, the agent calls the validator.
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  5. Blocked, with five findings, all in one answer. Applications are accepted 120 days in advance of the effective date; this one is for an effective date 150 days away. A completed ACORD 130 must be included with the submission. Loss runs must cover the current policy term and the three preceding years where the business has them; this submission has loss runs for 2 of the 3 preceding years needed. The other two are on screen.
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  6. The validator returned five blocking findings in one answer. A check that reads one field at a time would pass most of this; it shows only when the choices in the submission are checked against each other.
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  7. What this shows: for dates that must hold together (120 days ahead, loss runs valued within six months, quote good for 60 days), a rules-based CPQ is error-prone for this.
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  8. Now the agent resubmits.
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  9. The corrected request. It changes the days until effective date to 90, the loss runs valued to 2 months ago and the ACORD 130 included to yes.
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  10. It calls the validator again.
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  11. Still blocked, with two findings, all in one answer. Loss runs must cover the current policy term and the three preceding years where the business has them; this submission has loss runs for 2 of the 3 preceding years needed. For Florida roofers the underwriter or territory sales manager must be contacted before the submission is sent.
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  12. Three findings cleared; still blocked on loss runs do not cover enough years and Florida roofer not cleared with the underwriter first.
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  13. The agent resubmits once more.
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  14. The revised request. It changes the loss runs, preceding years covered to 3 and the underwriter contacted first to yes.
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  15. It calls the validator once more.
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  16. This time the validator clears it.
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  17. Both earlier findings are cleared.
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  18. Five problems caught in one call, fixed in two passes, and a clean submission. That is the value of Predictika's validator: catching mistakes before the submission goes out.
    19.