Predictika · commercial property submission intake

An AI intake agent's submission, checked before an underwriter sees it

An AI agent reads a broker's submission and extracts the fields, the way a document-extraction platform delivers them. Before the submission is released to quoting, the agent sends the fields to the Validator, which checks the packet for completeness, the class and construction against appetite, protection and wind, flood, quake and wildfire exposure, loss history and valuation, compares the total insured value the broker states with the one computed from the schedule, and returns every finding together.

An illustrative model for a fictional carrier, Harborline Specialty. All guideline thresholds, classes and limits are invented, the insureds are fictional, and the page is not affiliated with or endorsed by any carrier or document-extraction vendor.

Scope: release of commercial property submissions (other lines excluded) to quoting for sixteen classes of business, five construction types and twelve states. See everything this validator covers

The validator models the release decision for commercial property submissions in the sixteen occupancy classes, five construction types and twelve states in its catalog. It handles any submission in those classes and states, not just the scenarios shown on this page.

  • Covered. The packet (signed application, current loss runs of enough years, a schedule of values for multiple locations); the stated total insured value against building, contents and business interruption; prohibited and referral classes; capacity; vacancy; sprinkler requirements by class and building value; protection class by construction; frame construction near the coast; wind, flood and quake deductibles; wildfire exposure with poor protection; claims frequency and the largest loss; building value against the minimum replacement cost per square foot for the construction type; and the age of the building and its systems
  • Not covered. Other lines of business; pricing, rating and terms; catastrophe-model output (the validator reads the location facts and does not model losses); the reading of the broker's documents themselves, because the fields arrive already extracted; underwriter judgment on referrals beyond routing them to a person
  • Assumptions. Every threshold, limit and tier is an invented illustrative guideline, not any carrier's appetite. The state tiers and the minimum value per square foot are simplified
The AI intake agentTakes the fields extracted from the broker's submission and says it is ready for quoting.
Predictika validatorChecks every rule at once and returns the verdict, each finding, and the computed figures.
The underwriterSees only submissions that are complete and inside appetite, or referred with the reason.

7 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 intake agent says

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

Proposing agent: AI intake agent (scripted)

Before releasing, the agent must call Recorded run

Predictika validator


      

        
        
        
      

      
Waiting for the call.

      
    

  

  


    
Where rules-based intake checks get it wrong
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Our assessment of what a typical rules-based intake or workflow check (field validations and routing rules inside a policy administration or intake system) 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 toolPredictika
A stated total insured value that differs from the scheduleOnly with care
A validation rule can compare two fields, but only if the stated figure is captured as a field and the sum is maintained.		The stated figure travels with the submission and is compared with the computed one on every call.
A packet that is incomplete in three ways at onceOnly with care
Each missing item is a separate rule and a separate error, often shown one at a time as the user fixes the last one.		Every problem comes back in one answer, with the reason for each.
Coastal exposure, protection and valuation read togetherOnly with workarounds
Rules fire one at a time. A combination such as a hotel without sprinklers, three miles from the coast, with a low wind deductible needs a rule for each pairing.		All the exposure tiers are model data and every rule is checked on every call, in any order.
A middle path between decline and releaseOnly with workarounds
A hard rule either stops the submission or lets it through. Referral to a senior underwriter needs approval fields and a routing workflow built around each rule.		Block, needs approval and allow are separate outcomes of the same rules, with the reason for each.
A change to a guidelineOnly with care
Edit the rule, retest the interactions with every other rule, and redeploy.		A guideline is a row in a catalog or one constraint; the other rules are unaffected.

  

  

    
What this validator catches: findings from its test cases
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Every rule is checked on every call, in any order the fields arrive; one problem never hides another. Blocking findings stop the submission; approval findings need a senior underwriter; everything else is computed. The examples below are messages returned in the recorded runs.

    
1The stated total insured value $8,200,000 does not match the $9,100,000 computed from the building, contents and business interruption values.
2The application is not signed. A signed application is required before quoting.
3Loss runs are 140 days old and cover 5 years. Current loss runs (90 days or newer) covering at least 3 years are required.
4Hotel or motel with a $6,000,000 building and no sprinklers. Sprinklers are required above $5,000,000 for this class.
53 miles from the coast with a 2% wind deductible. A minimum 5% wind deductible applies within 5 miles.
6Building value is only 0.62 of the minimum replacement cost for Joisted masonry construction (below 0.70).
7Building value is 0.85 of the minimum replacement cost for Joisted masonry construction. Valuation review needed.
8High wildfire state (California), $7,000,000 insured value and protection class 8. Protection class worse than 6 is out of appetite.
9Heavy manufacturing is a referral class. A senior underwriter must review before quoting.
10Built in 1974 with building systems last updated in 1990. Older buildings need underwriter review.

  

  

    
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. Coastal hotel: Coastal hotel, first submission

    
The agent's request. Release the Bayfront Inn submission to quoting: a 60,000 sq ft hotel on the Texas coast, total insured value $10.2M, protection class 3.

    
Verdict: Blocked.

    
    
      
  • No sprinklers above the class limit. Hotel or motel with a $6,000,000 building and no sprinklers. Sprinklers are required above $5,000,000 for this class.
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  • Building value far below replacement cost. Building value is only 0.62 of the minimum replacement cost for Joisted masonry construction (below 0.70).
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  • Coastal wind deductible too low. 3 miles from the coast with a 2% wind deductible. A minimum 5% wind deductible applies within 5 miles.
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2. Coastal hotel: The agent resubmits after fixing the errors

    
The agent's request. Release the Bayfront Inn submission to quoting: a 60,000 sq ft hotel on the Texas coast, fully sprinklered, building value $8,200,000, total insured value $12,400,000, protection class 3.

    
Verdict: Needs approval.

    
    
      
  • Coastal wind deductible too low. 3 miles from the coast with a 2% wind deductible. A minimum 5% wind deductible applies within 5 miles.
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  • Building value under replacement cost. Building value is 0.85 of the minimum replacement cost for Joisted masonry construction. Valuation review needed.
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3. Coastal hotel: The agent resubmits after fixing the errors

    
The agent's request. Release the Bayfront Inn submission to quoting: a 60,000 sq ft hotel on the Texas coast, fully sprinklered, building value $9,800,000, total insured value $14,000,000, 5% wind deductible, protection class 3.

    
Verdict: Allowed.

    
4. Application packet: Retail center, packet incomplete

    
The agent's request. Release the Lakeview Commons submission to quoting: a retail center in Illinois, 38,000 sq ft, total insured value $8.2M, protection class 4, fully sprinklered.

    
Verdict: Blocked.

    
    
      
  • Stated value does not match the schedule. The stated total insured value $8,200,000 does not match the $9,100,000 computed from the building, contents and business interruption values.
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  • Application not signed. The application is not signed. A signed application is required before quoting.
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  • Loss runs out of date. Loss runs are 140 days old and cover 5 years. Current loss runs (90 days or newer) covering at least 3 years are required.
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5. Application packet: The agent resubmits after fixing the errors

    
The agent's request. Release the Lakeview Commons submission to quoting: a retail center in Illinois, 38,000 sq ft, total insured value $9,100,000, protection class 4, fully sprinklered, signed application and current loss runs (22 days old) attached.

    
Verdict: Allowed.

    
6. Wildfire state: California office, wildfire exposure

    
The agent's request. Release the Ridgeline Office Park submission to quoting: a California office building, 30,000 sq ft, total insured value $7.0M, protection class 8, fully sprinklered.

    
Verdict: Blocked.

    
    
      
  • Wildfire exposure with poor fire protection. High wildfire state (California), $7,000,000 insured value and protection class 8. Protection class worse than 6 is out of appetite.
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7. Referral class: Older heavy manufacturing plant

    
The agent's request. Release the Millbrook Castings submission to quoting: a heavy manufacturing plant in Ohio, 90,000 sq ft, total insured value $22.0M, protection class 4, fully sprinklered.

    
Verdict: Needs approval.

    
    
      
  • Referral class of business. Heavy manufacturing is a referral class. A senior underwriter must review before quoting.
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  • Older building and systems. Built in 1974 with building systems last updated in 1990. Older buildings need underwriter review.
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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 agent reads a broker's submission and extracts the fields, the way a document-extraction platform delivers them. Before the submission is released to quoting, the agent sends the fields to the Validator, which checks the packet for completeness, the class and construction against appetite, protection and wind, flood, quake and wildfire exposure, loss history and valuation, compares the total insured value the broker states with the one computed from the schedule, and returns every finding together.
    2. 
      
  2. I will start with the first request by the agent.
    3. 
      
  3. The agent says. Release the Bayfront Inn submission to quoting: a 60,000 sq ft hotel on the Texas coast, total insured value $10.2M, protection class 3.
    4. 
      
  4. Before it goes out, the agent calls the validator.
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  5. Blocked, with two findings and one approval, all in one answer. Hotel or motel with a $6,000,000 building and no sprinklers. Sprinklers are required above $5,000,000 for this class. Building value is only 0.62 of the minimum replacement cost for joisted masonry construction (below 0.70).
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  6. The validator returned two 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 submission are checked against each other.
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  7. What this shows: for a stated total insured value that differs from the schedule, a rules-based tool 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 sprinklers to full, the building value to $8,200,000 and the stated total insured value to $12,400,000.
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  10. It calls the validator again.
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  11. Not blocked, but held for a person.
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  12. The two blocking findings are cleared; two approvals remain for a person: coastal wind deductible too low and building value under replacement cost.
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  13. The agent resubmits once more.
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  14. The revised request. It changes the building value to $9,800,000, the wind deductible to 5 percent and the stated total insured value to $14,000,000.
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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, and the validator's total, $14,000,000, matches the submission.
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  18. Three 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.