Predictika · Small business insurance quotes

An AI sales agent's businessowners policy quote, checked before it goes out

An AI sales agent prepares an annual premium quote for a businessowners policy like CNA Connect, which combines property and general liability coverage for small businesses: the business class, the property value and number of locations, annual receipts, the business income options, the inflation guard, the employment practices limit, the liability limit, the endorsements and the premium the quote states. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of how those choices fit together and returns a verdict, every reason and the premium it computed.

Scope: One annual businessowners policy quote: class, property values, receipts, locations, coverage options, endorsements and the stated premium. See everything this validator covers

This validator models businessowners policy quotes, not just the scenarios shown below.

  • Class and size — seven class groups (professional services, retail, restaurant, lessors risk, contractor, manufacturing and healthcare), the property value per location, the annual receipts and the number of locations.
  • Coverage options — the business income period, extended business income days, the seasonal increase, the inflation guard, the employment practices limit and the general liability limit.
  • Endorsements — Data Breach, Passport Access and liquor liability, which is quoted only for restaurants.
  • Premium and referrals — the premium stated on the quote is compared with the modeled premium; large property values, large restaurant receipts, Passport Access, healthcare without Data Breach, a contractor with the higher liability limit, a high employment practices limit and liquor liability go to an underwriter.

Any businessowners quote that touches these rules is in scope — not only the scenarios pictured here. Not covered: package policies, management liability, workers' compensation, commercial auto and state-specific rules. The product name, the property and general liability structure, the business income periods, the extended business income range, the seasonal increase, the Data Breach and Passport Access endorsements and some limits follow public CNA web pages. CNA publishes no rates or premiums here: the rates, premiums, class factors, referral thresholds, location cap and the other rules are modeled from comparable businessowners products and are not published by CNA.

The AI sales agentBuilds the quote from the conversation with the business owner and says it is ready to send.
Predictika validatorChecks every rule at once and returns the verdict, each finding, and the computed figures.

7 scenarios in 3 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
Limits that depend on each otherOnly with care
The property value per location, the number of locations, the receipts and each coverage option have their own range, and several of them also change the premium.		All ranges are checked together on every call.
An option that only one class may takeOnly with care
Liquor liability is quoted only for restaurants, and a healthcare risk without Data Breach or a contractor with the higher limit needs an underwriter, so the class changes what is allowed.		The class is checked against every option in the same pass.
A stated premium that must match the computed oneOnly with workarounds
The premium depends on the class rates, the property values for each location, the receipts, the options and the endorsements, so a rule must recompute it and compare it with the stated figure.		The premium is computed inside the model and compared with the stated one.
Referral bandsOnly with workarounds
A property value above 5,000 thousand dollars, Passport Access, liquor liability and a high employment practices limit are not refused but need an underwriter, so each needs a third outcome besides yes and no.		The model returns allow, needs approval or block for each band.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as a step is completed, so a rep often fixes one error and meets the next.		All findings come back together, so the agent can fix them in a single pass.

  

  

    
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 quote; approval findings need a person to sign off; everything else is computed.

    
1The seasonal increase of 26 percent is outside 0 to 25 percent of the business personal property limit.
2The property value per location is 10,000 thousand dollars, above the 5,000 thousand referral level; an underwriter should review it.
3The property value per location is 10,001 thousand dollars; the maximum is 10,000 thousand (10 million dollars).
4Annual receipts of 30,001 thousand dollars are outside the 1 to 30,000 thousand range for one policy.
5The quote has 21 locations; between 1 and 20 are allowed on one policy.
6The business income period is 18 months; 12 months, or 24 months as an option, are offered.
7Extended business income of 366 days is outside the 60 to 365 day range.
8The inflation guard of 11 percent is outside 3 to 10 percent.
9An employment practices limit of 26 thousand dollars is above 25 thousand and needs an underwriter review.
10The employment practices limit of 101 thousand dollars is outside 10 to 100 thousand.
11Liquor liability needs an underwriter review of the alcohol sales.
12Liquor liability is quoted only for restaurants in this model.
13Restaurant receipts above 5,000 thousand dollars need an underwriter review.
14The Passport Access endorsement (international exposures) needs underwriting approval.
15A healthcare risk without the Data Breach endorsement needs an underwriter to confirm.
16A contractor asking for the higher liability limit needs an underwriter review.
17The quote states an annual premium of $2,124.99; the rates give $2,125.00.

  

  

    
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. Retail business with 3 locations: A retail business with 3 locations, liquor liability, a property value of 11,000 thousand dollars per location, receipts of 35,000 thousand, an 18 month business income period, a 30 percent seasonal increase and a 120 thousand employment practices limit

    
The agent's request. Please quote a CNA Connect Businessowners Policy for a retail business with 3 locations, each with a building value of 9,500 thousand dollars and business personal property of 1,500 thousand dollars. Annual receipts are 35,000 thousand dollars. Business income is for 18 months with 60 days of extended business income, a 30 percent seasonal increase, a 3 percent inflation guard and a 120 thousand dollar employment practices limit. The general liability limit is 1 million dollars per occurrence. Endorsements: Data Breach and liquor liability. The quote states an annual premium of $119,025.00. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Property value per location too high. The property value per location is 11,000 thousand dollars; the maximum is 10,000 thousand (10 million dollars).
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  • Annual receipts outside the range. Annual receipts of 35,000 thousand dollars are outside the 1 to 30,000 thousand range for one policy.
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  • Business income period not offered. The business income period is 18 months; 12 months, or 24 months as an option, are offered.
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  • Seasonal increase too high. The seasonal increase of 30 percent is outside 0 to 25 percent of the business personal property limit.
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  • Employment practices limit outside the range. The employment practices limit of 120 thousand dollars is outside 10 to 100 thousand.
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  • Liquor liability for a class that does not serve alcohol. Liquor liability is quoted only for restaurants in this model.
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  • Stated premium does not match. The quote states an annual premium of $119,025.00; the rates give $120,025.00.
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  • Large property value needs underwriter referral. The property value per location is 11,000 thousand dollars, above the 5,000 thousand referral level; an underwriter should review it.
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  • High employment practices limit. An employment practices limit of 120 thousand dollars is above 25 thousand and needs an underwriter review.
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  • Liquor liability. Liquor liability needs an underwriter review of the alcohol sales.
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2. Retail business with 3 locations: The agent resubmits after fixing the errors

    
The agent's request. Please quote a CNA Connect Businessowners Policy for a restaurant business with 3 locations, each with a building value of 6,500 thousand dollars and business personal property of 1,500 thousand dollars. Annual receipts are 4,000 thousand dollars. Business income is for 24 months with 60 days of extended business income, a 20 percent seasonal increase, a 3 percent inflation guard and a 20 thousand dollar employment practices limit. The general liability limit is 1 million dollars per occurrence. Endorsements: Data Breach and liquor liability. The quote states an annual premium of $119,025.00. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Stated premium does not match. The quote states an annual premium of $119,025.00; the rates give $67,105.00.
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  • Large property value needs underwriter referral. The property value per location is 8,000 thousand dollars, above the 5,000 thousand referral level; an underwriter should review it.
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  • Liquor liability. Liquor liability needs an underwriter review of the alcohol sales.
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3. Retail business with 3 locations: The agent resubmits after fixing the errors

    
The agent's request. Please quote a CNA Connect Businessowners Policy for a restaurant business with 3 locations, each with a building value of 3,500 thousand dollars and business personal property of 1,500 thousand dollars. Annual receipts are 4,000 thousand dollars. Business income is for 24 months with 60 days of extended business income, a 20 percent seasonal increase, a 3 percent inflation guard and a 20 thousand dollar employment practices limit. The general liability limit is 1 million dollars per occurrence. Endorsements: Data Breach. The quote states an annual premium of $47,305.00. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Premium summary. Annual premium $47,305.00 at illustrative rates for 3 location(s).
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4. Contractor with 25 locations: A contractor with 25 locations, the 2 million liability limit, 30 days of extended business income and a 12 percent inflation guard

    
The agent's request. Please quote a CNA Connect Businessowners Policy for a contractor business with 25 locations, each with a building value of 500 thousand dollars and business personal property of 200 thousand dollars. Annual receipts are 3,000 thousand dollars. Business income is for 12 months with 30 days of extended business income, a 0 percent seasonal increase, a 12 percent inflation guard and a 10 thousand dollar employment practices limit. The general liability limit is 2 million dollars per occurrence. Endorsements: Data Breach. The quote states an annual premium of $47,796.00. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Number of locations outside the range. The quote has 25 locations; between 1 and 20 are allowed on one policy.
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  • Extended business income days outside the range. Extended business income of 30 days is outside the 60 to 365 day range.
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  • Inflation guard outside the range. The inflation guard of 12 percent is outside 3 to 10 percent.
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  • Stated premium does not match. The quote states an annual premium of $47,796.00; the rates give $48,296.00.
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  • Contractor with a 2 million limit. A contractor asking for the higher liability limit needs an underwriter review.
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5. Contractor with 25 locations: The agent resubmits after fixing the errors

    
The agent's request. Please quote a CNA Connect Businessowners Policy for a contractor business with 15 locations, each with a building value of 500 thousand dollars and business personal property of 200 thousand dollars. Annual receipts are 3,000 thousand dollars. Business income is for 12 months with 90 days of extended business income, a 0 percent seasonal increase, a 5 percent inflation guard and a 10 thousand dollar employment practices limit. The general liability limit is 1 million dollars per occurrence. Endorsements: Data Breach. The quote states an annual premium of $34,248.00. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Premium summary. Annual premium $34,248.00 at illustrative rates for 15 location(s).
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6. Healthcare practice with Passport Access: A healthcare practice without Data Breach, with Passport Access

    
The agent's request. Please quote a CNA Connect Businessowners Policy for a healthcare business with 1 locations, each with a building value of 500 thousand dollars and business personal property of 200 thousand dollars. Annual receipts are 2,000 thousand dollars. Business income is for 12 months with 60 days of extended business income, a 0 percent seasonal increase, a 3 percent inflation guard and a 10 thousand dollar employment practices limit. The general liability limit is 1 million dollars per occurrence. Endorsements: Passport Access. The quote states an annual premium of $7,555.00. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Stated premium does not match. The quote states an annual premium of $7,555.00; the rates give $7,755.00.
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  • Passport Access endorsement. The Passport Access endorsement (international exposures) needs underwriting approval.
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  • Healthcare without Data Breach cover. A healthcare risk without the Data Breach endorsement needs an underwriter to confirm.
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7. Healthcare practice with Passport Access: The agent resubmits after fixing the errors

    
The agent's request. Please quote a CNA Connect Businessowners Policy for a healthcare business with 1 locations, each with a building value of 500 thousand dollars and business personal property of 200 thousand dollars. Annual receipts are 2,000 thousand dollars. Business income is for 12 months with 60 days of extended business income, a 0 percent seasonal increase, a 3 percent inflation guard and a 10 thousand dollar employment practices limit. The general liability limit is 1 million dollars per occurrence. Endorsements: Data Breach. The quote states an annual premium of $7,405.00. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Premium summary. Annual premium $7,405.00 at illustrative rates for 1 location(s).
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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 an annual premium quote for a businessowners policy like CNA Connect, which combines property and general liability coverage for small businesses: the business class, the property value and number of locations, annual receipts, and more. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of how those choices fit together and returns a verdict, every reason and the premium it computed.
    2. 
      
  2. I will start with the first request by the agent.
    3. 
      
  3. The agent says. Please quote a CNA Connect Businessowners Policy for a retail business with 3 locations, each with a building value of 9,500 thousand dollars and business personal property of 1,500 thousand dollars. Annual receipts are 35,000 thousand dollars. The rest of the request is on screen. The quote states an annual premium of $119,025.00.
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  4. Before it goes out, the agent calls the validator.
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  5. Blocked, with seven findings and three approvals, all in one answer. The property value per location is 11,000 thousand dollars; the maximum is 10,000 thousand (10 million dollars). Annual receipts of 35,000 thousand dollars are outside the 1 to 30,000 thousand range for one policy. The business income period is 18 months; 12 months, or 24 months as an option, are offered. The other four are on screen.
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  6. The validator returned seven blocking findings and three approvals 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 quote are checked against each other.
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  7. What this shows: for a stated premium that must match the computed one, a rules-based CPQ can do this only with workarounds.
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  8. Now the agent resubmits.
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  9. The corrected request. It changes the class to restaurant, the building value per location to 6,500 thousand dollars, the annual receipts to 4,000 thousand dollars and the business income to 24 months. Two more changes are on screen.
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  10. It calls the validator again.
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  11. Still blocked, with one finding and two approvals, all in one answer. The quote states an annual premium of $119,025.00; the rates give $67,105.00.
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  12. Seven findings cleared. Still blocking: stated premium does not match. Two approvals also remain for a person: large property value needs underwriter referral and liquor liability.
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  13. The agent resubmits once more.
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  14. The revised request. It changes the building value per location to 3,500 thousand dollars, the endorsements to Data Breach and the annual premium stated on the quote to $47,305.00.
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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. All three earlier findings are cleared.
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  18. Ten problems caught in one call, fixed in two passes, and a clean $47,305.00 quote. That is the value of Predictika's validator: catching mistakes before they reach the customer. Now you can try the other scenarios yourself.
    19.