Predictika · Insurance quotes

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

An AI sales agent prepares an annual workers compensation quote for a small business: industry, state, payroll, experience modification, schedule rating, payment plan and premium audit type. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of EMPLOYERS' published product information and returns a verdict, every reason, a line-item quote and the figures it computed.

Scope: EMPLOYERS small-business workers compensation policies: standard-appetite industries, state fund states, payroll rating, experience and schedule rating, premium discount, PrecisePay and installment plans, and premium audit type. See everything this validator covers

This validator models annual workers compensation quotes for small businesses in the style of the EMPLOYERS product line, not just the scenarios shown below.

  • Appetite and state — eight standard-appetite industries from the EMPLOYERS list (clerical office, restaurant, plumbing, electrical, finish carpentry, medical office, automotive repair, hotel) and the six specialty-program industries (health and human services, medical temporary staffing, parcel delivery, security guards, shooting sports, bus and limousine), which are written only through program administrators. North Dakota, Ohio, Washington and Wyoming are served only by their state funds.
  • Rating — payroll by classification at a rate per $1,000 of payroll, an experience modification, a schedule credit or debit, a premium discount by size and a policy expense constant, added into a line-item quote and compared with the premium the agent states. The rates, factors and thresholds are typical values for this kind of policy, not EMPLOYERS' filed rates.
  • Payment and audit — pay in full, PrecisePay pay-as-you-go (minimum $1,500 estimated annual premium, bank authorization, a payroll reporting frequency, enrollment before the policy is issued), quarterly installments* and monthly installments*, and the planned premium audit type (online, voluntary, remote physical or on-site physical).

Any small-business workers compensation quote that touches these rules is in scope — not only the scenarios pictured here. Not covered: the other states' filed class codes and rates, multi-state and multi-location policies, officer inclusion, excess workers compensation for self-insured employers, specialty-program pricing, taxes and state assessments, and the Cerity small-business product. *Illustrative items that are not EMPLOYERS products: the quarterly and monthly installment plans.

The AI sales agentBuilds the workers compensation quote from the conversation and says it is ready.
Predictika validatorChecks every rule at once and returns the verdict, each finding, the line-item quote and the computed figures.

6 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
Stated premiums that must equal what the rating givesOnly with care
A stated figure is a free-entry field; a rule can compare it with a computed premium, but someone has to keep the comparison in step with every rating step.		The stated premium travels with the quote and is compared with the computed premium on every call.
A premium built from payroll, modification, schedule rating and a size-based discountOnly with care
Each step is a price rule that depends on the one before it; the order and the rounding at each step are easy to get wrong, and the discount tier depends on a computed amount.		Every step is computed in the same pass and the line items reconcile to the total.
PrecisePay eligibility that depends on the computed premium, a reporting frequency, a bank authorization and the enrollment timingOnly with workarounds
The minimum premium depends on a figure that is only known after rating, and the other conditions sit on different fields, so it needs cross-field rules that interact.		Plan, premium, frequency, bank authorization and enrollment are in one request and checked together.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as the quote is saved or a step is completed, 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 quote; approval findings need a person to sign off; everything else is computed.

    
1The business is in a state served exclusively by its state fund (North Dakota, Ohio, Washington or Wyoming); EMPLOYERS does not write workers compensation there.
2This industry is outside the standard small-business appetite and is written only through an EMPLOYERS specialty program administrator; it cannot be quoted as a standard policy.
3$50,000 of separate clerical payroll is listed on a policy whose main classification is already clerical.
4The quote has 0 employees; at least 1 is needed.
5The main classification payroll is $0; it must be at least 1 thousand.
6The separate clerical payroll is more than the main classification payroll; an underwriter should check the clerical classification.
7Payroll averages $3,333 per employee, which is low; the payroll or headcount should be confirmed.
8An experience modification of 49 percent is outside the 50 to 175 percent range accepted for this quote.
9An experience modification of 126 percent is above 125 percent; an underwriter should confirm the quote.
10A schedule rating of -25 percent is a credit of more than 10 percent; an underwriter should approve it.
11A schedule rating of -26 percent is outside the maximum credit or debit of 25 percent.
12The business has been operating 0 full years; an underwriter should review a business in its first year.
13PrecisePay needs a payroll reporting frequency (weekly, biweekly, semimonthly or monthly); none is chosen.
14PrecisePay premium is deducted from the policyholder bank account; the automatic (ACH) payment authorization is not in place.
15PrecisePay enrollment has to be completed before the policy is issued; it is not.
16PrecisePay needs an estimated annual premium of at least $1,500; this quote is $670.
17An installment payment plan needs an estimated annual premium of at least $3,000 (modeled minimum); this quote is $670.
18An estimated annual premium of $120,034 is at or above $100,000 and needs a person to confirm.
19An online premium audit is completed in the EACCESS policyholder portal; the policyholder is not yet registered.
20An on-site physical audit is planned for an estimated annual premium of $670; a smaller audit type is usual (modeled).
21A voluntary audit is planned for an estimated annual premium of $30,175; a physical audit is usual at this size (modeled).
22The quote states an estimated annual premium of $8,710; the rating gives $8,810.

  

  

    
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. PrecisePay enrollment: Plumbing contractor on PrecisePay with a stated premium

    
The agent's request. Please quote workers compensation for a plumbing contractor in Texas with 31 employees, $900,000 of plumbing payroll and $120,000 of clerical payroll, an experience modification of 112 percent, a 5 percent schedule credit and 9 years in business, paid through PrecisePay, with a remote physical audit. The quote states an estimated annual premium of $30,332. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • PrecisePay reporting frequency missing. PrecisePay needs a payroll reporting frequency (weekly, biweekly, semimonthly or monthly); none is chosen.
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  • PrecisePay bank authorization missing. PrecisePay premium is deducted from the policyholder bank account; the automatic (ACH) payment authorization is not in place.
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  • PrecisePay enrollment after issue. PrecisePay enrollment has to be completed before the policy is issued; it is not.
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  • Stated premium does not match. The quote states an estimated annual premium of $30,332; the rating gives $32,332.
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2. PrecisePay enrollment: The agent resubmits after fixing the errors

    
The agent's request. Please quote workers compensation for a plumbing contractor in Texas with 31 employees, $900,000 of plumbing payroll and $120,000 of clerical payroll, an experience modification of 112 percent, a 5 percent schedule credit and 9 years in business, paid through PrecisePay with biweekly payroll reporting, the bank (ACH) authorization completed and enrollment finished before the policy is issued, with a remote physical audit. The quote states an estimated annual premium of $32,332. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. Estimated annual premium of $32,332 ($31,740 standard premium, 112 percent experience modification, -5 percent schedule rating, 5 percent premium discount).
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3. Schedule rating credit: Electrical contractor requesting a large schedule credit

    
The agent's request. Please quote workers compensation for an electrical contractor in Florida with 52 employees, $1,400,000 of electrical payroll and $150,000 of clerical payroll, an experience modification of 118 percent, a 30 percent schedule credit and 12 years in business, paid in quarterly installments, with a remote physical audit. The quote states an estimated annual premium of $31,246. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Schedule rating out of range. A schedule rating of -30 percent is outside the maximum credit or debit of 25 percent.
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  • Large schedule credit. A schedule rating of -30 percent is a credit of more than 10 percent; an underwriter should approve it.
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4. Schedule rating credit: The agent resubmits after fixing the errors

    
The agent's request. Please quote workers compensation for an electrical contractor in Florida with 52 employees, $1,400,000 of electrical payroll and $150,000 of clerical payroll, an experience modification of 118 percent, a 15 percent schedule credit and 12 years in business, paid in quarterly installments, with a remote physical audit. The quote states an estimated annual premium of $37,888. It is ready to send.

    
Verdict: Needs approval.

    
    
      
  • Large schedule credit. A schedule rating of -15 percent is a credit of more than 10 percent; an underwriter should approve it.
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  • Quote summary. Estimated annual premium of $37,888 ($39,500 standard premium, 118 percent experience modification, -15 percent schedule rating, 5 percent premium discount).
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5. Schedule rating credit: The agent resubmits after fixing the errors

    
The agent's request. Please quote workers compensation for an electrical contractor in Florida with 52 employees, $1,400,000 of electrical payroll and $150,000 of clerical payroll, an experience modification of 118 percent, an 8 percent schedule credit and 12 years in business, paid in quarterly installments, with a remote physical audit. The quote states an estimated annual premium of $40,987. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. Estimated annual premium of $40,987 ($39,500 standard premium, 118 percent experience modification, -8 percent schedule rating, 5 percent premium discount).
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6. Outside the standard appetite: Security guard company quoted as a standard policy

    
The agent's request. Please quote workers compensation for a security guard company in California with 50 employees, $1,100,000 of security guard payroll and $90,000 of clerical payroll, an experience modification of 105 percent and 7 years in business, paid in full, with a remote physical audit. The quote states an estimated annual premium of $32,250. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Industry outside the standard appetite. This industry is outside the standard small-business appetite and is written only through an EMPLOYERS specialty program administrator; it cannot be quoted as a standard policy.
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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 workers compensation quote for a small business: industry, state, payroll, and more. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of EMPLOYERS' published product information and returns a verdict, every reason, a line-item quote and the figures it computed.
    2. 
      
  2. I will start with the first request by the agent.
    3. 
      
  3. The agent says. Please quote workers compensation for a plumbing contractor in Texas with 31 employees, $900,000 of plumbing payroll and $120,000 of clerical payroll. The quote states an estimated annual premium of $30,332. The rest of the request is on screen.
    4. 
      
  4. Before it goes out, the agent calls the validator.
    5. 
      
  5. Blocked, with four findings, all in one answer. PrecisePay needs a payroll reporting frequency (weekly, biweekly, semimonthly or monthly); none is chosen. PrecisePay premium is deducted from the policyholder bank account; the automatic (ACH) payment authorization is not in place. PrecisePay enrollment has to be completed before the policy is issued; it is not. The other one is on screen.
    6. 
      
  6. The validator returned four 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.
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  7. What this shows: for precisePay eligibility that depends on the computed premium, a reporting frequency, a bank authorization and the enrollment timing, 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 payroll reporting frequency to biweekly, the bank authorization to yes, the enrolled before policy issue to yes and the stated annual premium to $32,332.
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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. The validator also returns the line-item quote. It starts with Plumbing contractor payroll rate per $1,000 of payroll (typical rate; qty is payroll in thousands of dollars) and Clerical office payroll rate per $1,000 of payroll (typical rate; qty is payroll in thousands of dollars); the other three lines are on screen.
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  13. All four earlier findings are cleared, and the validator's total, $32,332.00, matches the quote.
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  14. Four problems caught in one call, fixed in one pass, and a clean $32,332 quote. That is the value of Predictika's validator: catching mistakes before they reach the customer. Now you can try the other scenarios yourself.
    15.