Predictika · Contractor's equipment insurance quotes
An AI sales agent prepares a contractor's equipment insurance quote for the Equipment Pro product, with a policy basis, a valuation, a schedule of equipment, drones, boats, unlicensed vehicles and trailers, rented equipment, optional coverages, a deductible and a stated premium. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the product and returns a verdict and every reason.
This validator models contractor's equipment floater quotes, not just the scenarios shown below.
Any contractor's equipment quote that touches these rules is in scope — not only the scenarios pictured here. Not covered: the other Great American divisions and other inland marine products. The product and brand names, the scheduling conditions for special equipment, the standard included limits and the online quoting limits follow public Great American pages; the premium rates, credits, minimums and the other approval rules are modeled, not published by Great American, and the premiums are illustrative.
6 scenarios in 3 groups · each group runs from the agent’s first attempt to the outcome · click one to switch
Illustrative agent statement. The validator receives the structured request below.
Proposing agent: AI sales agent (scripted)
Before sending, the agent must call Recorded run
What this means
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 caught | Typical rules-based CPQ | Predictika |
|---|---|---|
| Special equipment conditions | Only with care Drones, boats, unlicensed vehicles and jobsite trailers each need to be on the schedule, and each has its own extra condition such as FAA compliance, length or no public roads. | Each item and its conditions are fields of one quote and are checked together on every call. |
| Policy basis, valuation and optional coverages | Only with workarounds The unscheduled option, stated amount valuation and lift coverage each depend on other choices such as who owns the equipment or whether a crane is scheduled. | The basis, valuation and options are checked against each other, whatever order they were entered in. |
| Online limits and underwriter referral | Only with workarounds The largest item, the size of the schedule, equipment age, loss history and rented values each send the quote to an underwriter at a different threshold. | Every threshold is checked on every call and the blocks and reviews come back together. |
| Rented and leased equipment | Only with care The rental term must be under twelve months and the per-item value over a limit needs a person; contingent coverage needs a lease and proof of insurance. | The term, the value and the documents are checked together and each failure is reported. |
| Stated premium against computed premium | Only with workarounds The premium depends on the class, valuation, schedule, optional coverages, deductible and credits, so any change has to be recomputed. | The stated premium is a field of the quote and is compared with the computed one on every call. |
| Every problem returned in one answer | Only 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, whatever order the choices arrived in. |
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.
| 1 | The largest item is 650 thousand dollars; online quoting and binding covers items up to 500 thousand dollars. Send it to an underwriter. |
| 2 | The schedule totals 3,000 thousand dollars; online quoting and binding covers schedules under 3 million dollars. Send it to an underwriter. |
| 3 | The largest item is 900 thousand dollars; online quoting and binding covers items up to 500 thousand dollars. Send it to an underwriter. |
| 4 | The largest item (900 thousand dollars) is more than the whole schedule (800 thousand dollars). |
| 5 | Drones and related equipment are covered only when legally operated under FAA rules and listed on the schedule. |
| 6 | Covered watercraft are under 26 feet; the boat on the quote is 26 feet. |
| 7 | Crew boats, work boats, barges and marine floats are covered only when used exclusively for business and listed on the schedule. |
| 8 | Unlicensed land motor vehicles are covered only when listed on the schedule and not operated on public roads. |
| 9 | Jobsite office trailers and tool or equipment storage trailers must be listed on the schedule. |
| 10 | Leased, rented or borrowed equipment is covered for terms under 12 months; the quote shows 12 months. |
| 11 | Rented or borrowed equipment of 80 thousand dollars per item is above the standard 50 thousand dollar limit; an underwriter should approve it. |
| 12 | Leasing and rental contingent coverage needs a signed lease or rental agreement and proof of insurance from the lessee. |
| 13 | The unscheduled option applies to owned equipment only; equipment of others in your care, custody or control needs a schedule or reporting basis. |
| 14 | This model offers the unscheduled option only up to 250 thousand dollars of equipment; the quote shows 400. |
| 15 | Stated amount valuation needs a scheduled policy with an agreed value for each item. |
| 16 | Lift exceeds capacity coverage applies to cranes and lifting equipment, and none is on the schedule. |
| 17 | The deductible is 250 dollars; this model starts at 500 dollars. |
| 18 | The quote states a premium of 1 dollars; the rating gives 5,208 dollars. |
| 19 | The quote asks for included-coverage limits above the standard ones (employee tools 5000, office equipment 5,000 per item, spare parts 25,000); higher limits need an underwriter. |
| 20 | The oldest item is 9 years old; equipment over 7 years is reviewed by an underwriter. |
| 21 | 3 losses in the last 3 years; an underwriter should review the loss history. |
| 22 | This submission goes outside online quoting; an underwriter should review and price it. |
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.
The agent's request. Please quote a scheduled equipment floater for earthmoving equipment, valued at replacement cost, with a schedule of 2,000 thousand dollars whose largest item is 650 thousand dollars, a deductible of 1,000 dollars, the oldest item 4 years old and 0 losses in the last three years. It also covers a drone not on the schedule and FAA-compliant, an unlicensed vehicle on the schedule that is driven on public roads and a jobsite trailer not on the schedule. Optional coverages are leasing and rental contingent, with no lease on file. The quote states a premium of $13,439. It is ready to send.
Verdict: Blocked.
The agent's request. Please quote a scheduled equipment floater for earthmoving equipment, valued at replacement cost, with a schedule of 2,000 thousand dollars whose largest item is 450 thousand dollars, a deductible of 1,000 dollars, the oldest item 4 years old and 0 losses in the last three years. It also covers a drone on the schedule and FAA-compliant, an unlicensed vehicle on the schedule that stays off public roads and a jobsite trailer on the schedule. Optional coverages are leasing and rental contingent, with a lease on file. The quote states a premium of $13,439. It is ready to send.
Verdict: Allowed.
The agent's request. Please quote a unscheduled equipment floater for earthmoving equipment, valued at stated amount, with a schedule of 400 thousand dollars whose largest item is 60 thousand dollars, a deductible of 250 dollars, the oldest item 4 years old and 0 losses in the last three years. It includes equipment of others in the insured's care. Optional coverages are lift exceeds capacity (no crane is on the schedule). The quote states a premium of $2,604. It is ready to send.
Verdict: Blocked.
The agent's request. Please quote a scheduled equipment floater for lifting equipment and cranes, valued at stated amount, with a schedule of 400 thousand dollars whose largest item is 60 thousand dollars, a deductible of 1,000 dollars, the oldest item 4 years old and 0 losses in the last three years. It includes equipment of others in the insured's care. Optional coverages are lift exceeds capacity (a crane is on the schedule). The quote states a premium of $3,720. It is ready to send.
Verdict: Allowed.
The agent's request. Please quote a scheduled equipment floater for earthmoving equipment, valued at replacement cost, with a schedule of 800 thousand dollars whose largest item is 150 thousand dollars, a deductible of 1,000 dollars, the oldest item 9 years old and 3 losses in the last three years. It also covers a 26-foot boat on the schedule and used only for business and rented equipment of 80 thousand dollars per item for 12 months. The quote states a premium of $5,600. It is ready to send.
Verdict: Blocked.
The agent's request. Please quote a scheduled equipment floater for earthmoving equipment, valued at replacement cost, with a schedule of 800 thousand dollars whose largest item is 150 thousand dollars, a deductible of 1,000 dollars, the oldest item 9 years old and 3 losses in the last three years. It also covers a 25-foot boat on the schedule and used only for business and rented equipment of 80 thousand dollars per item for 6 months. The quote states a premium of $5,600. It is ready to send.
Verdict: Needs approval.
The text of the narrated walkthrough, step by step.