Predictika · Small business insurance quotes

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

An AI sales agent prepares a businessowner's policy quote for a small business: the type of business, the size, the property limits, the liability the customer needs, the optional coverages, the vehicles, the length of the policy and the property total the quote states. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of how these choices fit together, and returns a verdict and every reason. No premiums are modeled.

Scope: One businessowner's policy quote: business class, size, property and liability limits, optional coverages, vehicles, policy term and the stated property total. No premiums. See everything this validator covers

This validator models businessowner's policy quotes for ten small-business class groups, not just the scenarios shown below.

  • Business classes — educational, fitness and recreation, health care, professional services, real estate, restaurants and food services, retail, other services, small contractors, and wholesale and distribution.
  • Size and property limits — the most employees and revenue a businessowner's policy takes, the building limit, the business personal property limit and the property total the quote states, which is compared with the computed one.
  • Liability, umbrella and vehicles — the liability a policy gives per occurrence, the umbrella that higher limits need, and the separate business auto policy that owned vehicles need.
  • Optional coverages and policy term — cyber, employment practices liability, select professional, hired and non-owned auto, the three-year policy, the liquor sales of a restaurant, the subcontracting of a contractor and the loss history, with the approvals they can need.

Any businessowner's policy quote for these classes that touches these rules is in scope — not only the scenarios pictured here. Not covered: premiums and rating, the commercial package policy, workers' compensation and surplus lines. The business classes, the coverages and the separate auto policy follow the public pages of Cincinnati Insurance; the limits, eligibility thresholds and approval rules are modeled from comparable programs and are not published by Cincinnati Insurance. This model produces no prices.

The AI sales agentBuilds the policy 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
Coverages that only some classes can haveOnly with care
Select professional cover is offered for some classes and not others, so the coverage needs a rule on the class.		The business class and the coverages are fields of one quote and are checked together on every call.
Needs that the policy itself cannot meetOnly with workarounds
Liability above the policy limit needs an umbrella and owned vehicles need a separate auto policy, so each need must be matched to a coverage that may be missing from the quote.		The need and the coverage are both fields of the quote and are compared on every call.
Eligibility that depends on historyOnly with workarounds
The three-year policy needs three years in business and no recent loss, and a restaurant's liquor sales or a contractor's subcontracting change what is allowed.		The history, the class and the term are checked in the same pass.
A stated property total that must match the computed oneOnly with workarounds
The property total is the building limit plus the business personal property limit, so a separate rule must recompute it and compare it with the stated figure.		The stated total is a field of the quote and is compared with the computed total on every call.
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 business has 100 employees; an underwriter should confirm a BOP fits.
2The business has 101 employees; this model allows a Businessowners Policy up to 100 employees.
3Annual revenue of 30 million dollars is above the 25 million this model allows for a BOP.
4A building limit of 6,000 thousand dollars is above the 5,000 thousand this model allows for a BOP.
5A building limit of 4,000 thousand dollars needs underwriter review.
6The customer needs 2,000 thousand dollars of liability; the BOP gives 1,000 thousand per occurrence and higher limits need an umbrella, which is not on the quote.
7The business owns 2 vehicle(s); a BOP does not cover owned autos and a separate business auto policy is not on the quote.
8Employment practices liability (EPLI) is quoted but the business has no employees.
9Select professional coverage is not offered for this business class in this model.
10The three-year policy is for qualifying businesses; this model requires 3 years in business and no losses in the last 3 years.
11Liquor is 60 percent of sales; this model does not write a BOP for restaurants above 50 percent liquor sales.
12Liquor is 30 percent of sales; an underwriter should confirm liquor exposure.
13The quote states 1,000 thousand dollars of property; building plus business personal property gives 1,100.
14Subcontracted work is 40 percent of cost; an underwriter should review subcontractor controls.
15The business had 2 losses in the last 3 years; an underwriter should review loss history.

  

  

    
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. A small contractor: A small contractor with a three-year policy, select professional cover, three vehicles and a high liability need

    
The agent's request. Please quote a businessowner's policy for a small contractor business with 35 employees, 3 million dollars of revenue and 2 years in business, with a building limit of 1,200 thousand dollars and business personal property of 300 thousand dollars, and a need for 2,500 thousand dollars of liability, with cyber coverage, select professional coverage and the three-year policy. The business owns 3 vehicles and subcontracts 20 percent of its work. The quote states 1,200 thousand dollars of property. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Liability need above the BOP limit. The customer needs 2,500 thousand dollars of liability; the BOP gives 1,000 thousand per occurrence and higher limits need an umbrella, which is not on the quote.
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  • Owned vehicles need a separate auto policy. The business owns 3 vehicle(s); a BOP does not cover owned autos and a separate business auto policy is not on the quote.
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  • Select professional coverage not offered for this class. Select professional coverage is not offered for this business class in this model.
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  • Three-year policy not available. The three-year policy is for qualifying businesses; this model requires 3 years in business and no losses in the last 3 years.
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  • Stated property total does not match. The quote states 1,200 thousand dollars of property; building plus business personal property gives 1,500.
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2. A small contractor: The agent resubmits after fixing the errors

    
The agent's request. Please quote a businessowner's policy for a small contractor business with 35 employees, 3 million dollars of revenue and 2 years in business, with a building limit of 1,200 thousand dollars and business personal property of 300 thousand dollars, and a need for 2,500 thousand dollars of liability, with an umbrella, cyber coverage, select professional coverage, a separate business auto policy and the three-year policy. The business owns 3 vehicles and subcontracts 20 percent of its work. The quote states 1,500 thousand dollars of property. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Select professional coverage not offered for this class. Select professional coverage is not offered for this business class in this model.
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  • Three-year policy not available. The three-year policy is for qualifying businesses; this model requires 3 years in business and no losses in the last 3 years.
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3. A small contractor: The agent resubmits after fixing the errors

    
The agent's request. Please quote a businessowner's policy for a small contractor business with 35 employees, 3 million dollars of revenue and 2 years in business, with a building limit of 1,200 thousand dollars and business personal property of 300 thousand dollars, and a need for 2,500 thousand dollars of liability, with an umbrella, cyber coverage and a separate business auto policy. The business owns 3 vehicles and subcontracts 20 percent of its work. The quote states 1,500 thousand dollars of property. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Program summary. 1,500 thousand dollars of property in total, 2,500 thousand dollars of liability needed, 35 employees.
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4. A health care clinic: A health care clinic with employment practices liability entered for no employees

    
The agent's request. Please quote a businessowner's policy for a health care business with 0 employees, 3 million dollars of revenue and 5 years in business, with a building limit of 3,600 thousand dollars and business personal property of 500 thousand dollars, and a need for 1,500 thousand dollars of liability, with cyber coverage, employment practices liability and select professional coverage. The quote states 4,100 thousand dollars of property. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Liability need above the BOP limit. The customer needs 1,500 thousand dollars of liability; the BOP gives 1,000 thousand per occurrence and higher limits need an umbrella, which is not on the quote.
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  • EPLI needs employees. Employment practices liability (EPLI) is quoted but the business has no employees.
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  • Large building limit. A building limit of 3,600 thousand dollars needs underwriter review.
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5. A health care clinic: The agent resubmits after fixing the errors

    
The agent's request. Please quote a businessowner's policy for a health care business with 14 employees, 3 million dollars of revenue and 5 years in business, with a building limit of 2,900 thousand dollars and business personal property of 500 thousand dollars, and a need for 1,500 thousand dollars of liability, with an umbrella, cyber coverage, employment practices liability and select professional coverage. The quote states 3,400 thousand dollars of property. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Program summary. 3,400 thousand dollars of property in total, 1,500 thousand dollars of liability needed, 14 employees.
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6. A real estate firm: A real estate firm with a three-year policy after a loss, an owned vehicle and a property total that does not match

    
The agent's request. Please quote a businessowner's policy for a real estate business with 12 employees, 3 million dollars of revenue and 5 years in business, with a building limit of 800 thousand dollars and business personal property of 300 thousand dollars, and a need for 1,000 thousand dollars of liability, with cyber coverage, select professional coverage, hired and non-owned auto and the three-year policy. The business owns 1 vehicle and had 1 loss in the last three years. The quote states 1,000 thousand dollars of property. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Owned vehicles need a separate auto policy. The business owns 1 vehicle(s); a BOP does not cover owned autos and a separate business auto policy is not on the quote.
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  • Three-year policy not available. The three-year policy is for qualifying businesses; this model requires 3 years in business and no losses in the last 3 years.
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  • Stated property total does not match. The quote states 1,000 thousand dollars of property; building plus business personal property gives 1,100.
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7. A real estate firm: The agent resubmits after fixing the errors

    
The agent's request. Please quote a businessowner's policy for a real estate business with 12 employees, 3 million dollars of revenue and 5 years in business, with a building limit of 800 thousand dollars and business personal property of 300 thousand dollars, and a need for 1,000 thousand dollars of liability, with cyber coverage, select professional coverage, hired and non-owned auto and a separate business auto policy. The business owns 1 vehicle and had 1 loss in the last three years. The quote states 1,100 thousand dollars of property. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Program summary. 1,100 thousand dollars of property in total, 1,000 thousand dollars of liability needed, 12 employees.
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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 businessowner's policy quote for a small business: the type of business, the size, the property limits, and more. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of how these choices fit together, and returns a verdict and every reason. No premiums are modeled.
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  2. I will start with the first request by the agent.
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  3. The agent says. Please quote a businessowner's policy for a small contractor business with 35 employees, 3 million dollars of revenue and 2 years in business. The business owns 3 vehicles and subcontracts 20 percent of its work. The rest of the request is on screen. The quote states 1,200 thousand dollars of property.
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  4. Before it goes out, the agent calls the validator.
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  5. Blocked, with five findings, all in one answer. The customer needs 2,500 thousand dollars of liability; the BOP gives 1,000 thousand per occurrence and higher limits need an umbrella, which is not on the quote. The business owns 3 vehicle(s); a BOP does not cover owned autos and a separate business auto policy is not on the quote. Select professional coverage is not offered for this business class in this model. 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 quote are checked against each other and against the stated total.
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  7. What this shows: for a stated property total 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 umbrella to yes, the business auto policy to yes and the property stated on the quote to 1,500 thousand dollars.
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  10. It calls the validator again.
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  11. Still blocked, with two findings, all in one answer. Select professional coverage is not offered for this business class in this model. The three-year policy is for qualifying businesses; this model requires 3 years in business and no losses in the last 3 years.
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  12. Three findings cleared. Still blocking: select professional coverage not offered for this class and three-year policy not available.
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  13. The agent resubmits once more.
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  14. The revised request. It changes the select professional to no and the three-year policy to no.
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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 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.