Predictika · Small commercial insurance proposals

An AI sales agent's business owner's policy proposal, checked before it goes out

An AI sales agent prepares a Business Owner's Policy proposal for a small business: insured property, liability limits, the property deductible and optional coverage enhancements such as earthquake, water back-up, privacy and data breach, employment practices, crime, professional liability and an umbrella. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model and returns a verdict, every reason and the figures it computed.

Scope: Chubb Business Owner's Policy (BOP) proposals: property and liability limits, deductible and the optional coverage enhancements, with an umbrella over the liability. See everything this validator covers

This validator models proposals for the Chubb Business Owner's Policy built from Chubb's public coverage names, not just the scenarios shown below.

  • Eligibility and size — annual revenue up to $30 million (Chubb's published ceiling), with approvals for the upper revenue range and for large insured property.
  • Property and liability — building and business personal property, a per-occurrence liability limit with the aggregate at double, and the property deductible options.
  • Coverage enhancements — earthquake (selected states), equipment breakdown, water back-up and sump overflow, crime, privacy and data breach, employment practices liability, foreign liability and professional liability for the named classes.
  • Umbrella — the companion umbrella, which needs a $1,000,000 underlying liability limit.

Any BOP proposal that touches these coverages is in scope, not only the scenarios pictured here. Coverage and product names are Chubb's own public names. The limit options, deductible options, state list for earthquake, size thresholds and approval triggers are modeled from comparable business owner's policies and are not Chubb-published rules; the 30 million revenue ceiling and the list of classes eligible for professional liability are taken from Chubb's public pages. Not covered: premiums (this validator produces no price build-up or line items), class codes, state filings, workers' compensation, commercial auto and management liability.

The AI sales agentBuilds the policy proposal from the conversation and says it is ready.
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 must come from a fixed list for each coverageOnly with care
A rule per coverage works, but each limit list has to be kept in step with the filed options.		Every limit is checked against its list on every call, together with the rest.
An aggregate that must be double the occurrence limitOnly with care
The relationship links two fields, so it needs its own cross-field rule.		The aggregate is compared with twice the occurrence limit whichever field the agent changes.
An umbrella that depends on the underlying liability limitOnly with care
The dependency crosses two coverages and is easy to miss when either changes.		The umbrella and the underlying limit travel in one request and are checked together.
Coverage available only in some states or for some classesOnly with workarounds
State and class availability is often left to underwriting after the proposal is built.		Earthquake by state and professional liability by class are checked in the same pass.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as the proposal 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 proposal; approval findings need a person to sign off; everything else is computed.

    
1Annual revenue of $25 million is in the upper range for a BOP; a person should confirm the account.
2Annual revenue of $31 million is above the $30 million eligibility ceiling of the BOP.
3Annual revenue of $30 million is in the upper range for a BOP; a person should confirm the account.
4A liability limit of $750,000 per occurrence is not available; the limits are $500,000, $1,000,000 and $2,000,000.
5The liability aggregate of $1,000,000 is not double the per-occurrence limit of $1,000,000.
6A property deductible of 750 is not available; the options are 500, $1,000, $2,500, $5,000, $10,000 and $25,000.
7Building and business personal property total $20,000; at least $25,000 of property must be insured.
8Insured property of $6,000,000 is large for a BOP; a person should confirm the values.
9Building and business personal property total $21,000,000, above the $20,000,000 maximum for a BOP.
10Earthquake cover is offered only in selected states; it is not available in the state of this proposal.
11Earthquake cover on insured property of $3,000,000 needs underwriting confirmation.
12Water back-up and sump overflow needs a limit of $25,000, $50,000 or $100,000; the proposal has $0.
13Water back-up and sump overflow needs a limit of $25,000, $50,000 or $100,000; the proposal has $25,000.
14Privacy and data breach needs a limit of $50,000, $100,000, $250,000, $500,000 or $1,000,000; the proposal has $75,000.
15Employment practices liability for 150 employees needs underwriting confirmation.
16Crime cover needs money and securities of $10,000 to $100,000 and employee dishonesty of $10,000 to $250,000; the proposal has $25,000 and $500,000.
17The BOP offers professional liability only for named classes such as florists, hair stylists, dental labs, printers, veterinarians and optical establishments.
18Professional liability needs a limit of $100,000, $250,000, $500,000 or $1,000,000; the proposal has $2,000,000.
19An umbrella limit of $5,000,000 needs underwriting confirmation.
20An umbrella needs a limit of $1,000,000, $2,000,000, $5,000,000 or $10,000,000; the proposal has $3,000,000.
21An umbrella needs an underlying liability limit of at least $1,000,000 per occurrence; the proposal has $500,000.
22Foreign liability, including kidnap and ransom, needs underwriting confirmation.
23Annual revenue of $40 million is above the $30 million eligibility ceiling of the BOP.
24The liability aggregate of $1,000,000 is not double the per-occurrence limit of $750,000.
25A property deductible of 100 is not available; the options are 500, $1,000, $2,500, $5,000, $10,000 and $25,000.

  

  

    
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. Restaurant proposal: A restaurant over the revenue ceiling, with an unavailable liability limit, deductible, earthquake in Texas and professional liability

    
The agent's request. Please prepare a Chubb Business Owner's Policy proposal for a restaurant in TX with 34 million of annual revenue and 60 employees, building of $1,500,000 and business personal property of $600,000, liability of $750,000 per occurrence and $1,500,000 aggregate, and a property deductible of $750, earthquake cover, professional liability of $250,000. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Revenue above the BOP ceiling. Annual revenue of $34 million is above the $30 million eligibility ceiling of the BOP.
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  • Liability occurrence limit not available. A liability limit of $750,000 per occurrence is not available; the limits are $500,000, $1,000,000 and $2,000,000.
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  • Property deductible not available. A property deductible of 750 is not available; the options are 500, $1,000, $2,500, $5,000, $10,000 and $25,000.
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  • Earthquake not offered in this state. Earthquake cover is offered only in selected states; it is not available in the state of this proposal.
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  • Professional liability not offered for this class. The BOP offers professional liability only for named classes such as florists, hair stylists, dental labs, printers, veterinarians and optical establishments.
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  • Earthquake on larger property. Earthquake cover on insured property of $2,100,000 needs underwriting confirmation.
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2. Restaurant proposal: The agent resubmits after fixing the errors

    
The agent's request. Please prepare a Chubb Business Owner's Policy proposal for a restaurant in CA with 18 million of annual revenue and 60 employees, building of $1,500,000 and business personal property of $600,000, liability of $1,000,000 per occurrence and $2,000,000 aggregate, and a property deductible of $1,000. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Proposal summary. $2,100,000 of insured property, $1,000,000 liability per occurrence, $1,000 property deductible.
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3. Salon proposal: A hair salon with data breach, water back-up and crime limits outside the options and too little insured property

    
The agent's request. Please prepare a Chubb Business Owner's Policy proposal for a hair stylist in CA with 4 million of annual revenue and 12 employees, building of $0 and business personal property of $15,000, liability of $1,000,000 per occurrence and $2,000,000 aggregate, and a property deductible of $1,000, water back-up and sump overflow of $0, privacy and data breach of $75,000, crime cover with $25,000 money and securities and $400,000 employee dishonesty. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Insured property too small. Building and business personal property total $15,000; at least $25,000 of property must be insured.
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  • Water back-up limit not available. Water back-up and sump overflow needs a limit of $25,000, $50,000 or $100,000; the proposal has $0.
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  • Privacy and data breach limit not available. Privacy and data breach needs a limit of $50,000, $100,000, $250,000, $500,000 or $1,000,000; the proposal has $75,000.
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  • Crime limits not available. Crime cover needs money and securities of $10,000 to $100,000 and employee dishonesty of $10,000 to $250,000; the proposal has $25,000 and $400,000.
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4. Salon proposal: The agent resubmits after fixing the errors

    
The agent's request. Please prepare a Chubb Business Owner's Policy proposal for a hair stylist in CA with 4 million of annual revenue and 12 employees, building of $0 and business personal property of $60,000, liability of $1,000,000 per occurrence and $2,000,000 aggregate, and a property deductible of $1,000, water back-up and sump overflow of $50,000, privacy and data breach of $100,000, crime cover with $25,000 money and securities and $400,000 employee dishonesty. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Crime limits not available. Crime cover needs money and securities of $10,000 to $100,000 and employee dishonesty of $10,000 to $250,000; the proposal has $25,000 and $400,000.
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5. Salon proposal: The agent resubmits after fixing the errors

    
The agent's request. Please prepare a Chubb Business Owner's Policy proposal for a hair stylist in CA with 4 million of annual revenue and 12 employees, building of $0 and business personal property of $60,000, liability of $1,000,000 per occurrence and $2,000,000 aggregate, and a property deductible of $1,000, water back-up and sump overflow of $50,000, privacy and data breach of $100,000, crime cover with $25,000 money and securities and $250,000 employee dishonesty. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Proposal summary. $60,000 of insured property, $1,000,000 liability per occurrence, $1,000 property deductible.
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6. Software firm proposal: A software firm with a large umbrella, foreign liability, a larger staff and large insured property

    
The agent's request. Please prepare a Chubb Business Owner's Policy proposal for a software developer in NY with 26 million of annual revenue and 140 employees, building of $3,000,000 and business personal property of $2,500,000, liability of $1,000,000 per occurrence and $2,000,000 aggregate, and a property deductible of $1,000, employment practices liability of $500,000, foreign liability, and a $5,000,000 umbrella. It is ready to send.

    
Verdict: Needs approval.

    
    
      
  • Revenue above 20 million to confirm. Annual revenue of $26 million is in the upper range for a BOP; a person should confirm the account.
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  • Large insured property to confirm. Insured property of $5,500,000 is large for a BOP; a person should confirm the values.
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  • Large umbrella to confirm. An umbrella limit of $5,000,000 needs underwriting confirmation.
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  • Foreign liability to confirm. Foreign liability, including kidnap and ransom, needs underwriting confirmation.
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  • Employment practices for a larger staff. Employment practices liability for 140 employees needs underwriting confirmation.
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  • Proposal summary. $5,500,000 of insured property, $1,000,000 liability per occurrence, $1,000 property deductible.
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7. Software firm proposal: The agent resubmits after fixing the errors

    
The agent's request. Please prepare a Chubb Business Owner's Policy proposal for a software developer in NY with 15 million of annual revenue and 90 employees, building of $1,000,000 and business personal property of $2,500,000, liability of $1,000,000 per occurrence and $2,000,000 aggregate, and a property deductible of $1,000, employment practices liability of $500,000, and a $2,000,000 umbrella. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Proposal summary. $3,500,000 of insured property, $1,000,000 liability per occurrence, $1,000 property deductible.
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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 Business Owner's Policy proposal for a small business: insured property, liability limits, the property deductible and optional coverage enhancements such as earthquake, and more. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model and returns a verdict, every reason and the figures it computed.
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  2. I will start with the first request by the agent.
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  3. The agent says. Please prepare a Chubb Business Owner's Policy proposal for a restaurant in TX. It is ready to send. The rest of the request is on screen.
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  4. Before it goes out, the agent calls the validator.
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  5. Blocked, with five findings and one approval, all in one answer. Annual revenue of $34 million is above the $30 million eligibility ceiling of the BOP. A liability limit of $750,000 per occurrence is not available; the limits are $500,000, $1,000,000 and $2,000,000. A property deductible of 750 is not available; the options are 500, $1,000, $2,500, $5,000, $10,000 and $25,000. The other two are on screen.
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  6. The validator returned five blocking findings and one approval 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 proposal are checked against each other.
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  7. What this shows: for an aggregate that must be double the occurrence limit, 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 state to CA, the annual revenue to 18 millions, the liability per occurrence to $1,000,000, the liability aggregate to $2,000,000 and the property deductible to $1,000. It removes the earthquake and professional liability limit.
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  10. It calls the validator again.
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  11. This time the validator clears it.
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  12. All six earlier findings are cleared.
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  13. Six problems caught in one call, fixed in one pass, and a clean proposal. That is the value of Predictika's validator: catching mistakes before they reach the merchant. Now you can try the other scenarios yourself.
    14.