Predictika · Small business insurance
An AI sales agent prepares a business owner's policy (BOP) quote: the class of business, property limits, general liability, loss of income, data breach, optional coverages, an umbrella and the annual premium. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the coverage and eligibility rules and returns a verdict, every reason, a line-item quote and the figures it computed.
This validator models quotes for this business owner's policy and these seven classes, not just the scenarios shown below. The coverage names and the policy structure (property, general liability, loss of income and extra expense, data breach, industry-specific coverages, bundling with other Hanover commercial policies) are The Hanover's public description; the class rates, all prices and most eligibility rules are modeled from comparable BOP programs and are not Hanover-published.
Any quote for this policy and these classes that touches these coverages is in scope — not only the scenarios pictured here. Not covered: The Hanover's other business products (workers' compensation, commercial auto, professional liability as a stand-alone policy, cyber, management liability, marine, surety), classes beyond these seven, locations with different limits in one quote, state forms, taxes, fees and the underwriting decision itself. Class rates, prices, revenue limits, credits and several eligibility rules are modeled assumptions.
7 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 |
|---|---|---|
| Coverages that exist only for some classes of business | Only with care Liquor liability, spoilage and professional liability each need a product rule tied to the class; with 500 or more classes behind the BOP the tables grow and drift. | The class and every coverage are checked together. |
| Property limits that depend on who owns the building | Only with care A building limit for a tenant is a cross-field rule between ownership and limits that has to be written and kept in step. | Ownership and limits are in one request. |
| Umbrella that depends on the underlying liability limit | Only with workarounds The umbrella and the general liability limit sit on different lines, so the dependency needs a cross-line rule that interacts with the others. | Both limits are in one request and the dependency is checked with the rest. |
| Credits that depend on bundling and loss history | Only with care Each credit is a price rule; a stated premium is a free-entry field that a rule can compare with the computed total only if the credits are kept in step. | The stated premium travels with the quote and is compared with the computed premium on every call. |
| Referrals to an underwriter | Only with workarounds Approval triggers (claims, construction, location count, maximum limits) are usually separate approval rules that fire at different steps. | Blocks and referrals come back together, so the agent sees everything at once. |
| Every problem returned in one answer | Only 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. |
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 an underwriter to sign off; everything else is computed.
| 1 | The quote has a building limit of $800,000 but the customer does not own the building. |
| 2 | The customer owns the building and the quote has no building limit. |
| 3 | The quote has neither a building limit nor a business personal property limit. |
| 4 | Professional liability is offered with the BOP for dental, technology and office classes; this class is not one of them. |
| 5 | Spoilage coverage is for restaurants and retail stores; this class is not one of them. |
| 6 | Liquor liability is available for restaurants; this class is not one. |
| 7 | A data breach limit of $250,000 is above the 100 thousand dollar maximum. |
| 8 | A data breach limit of $100,000 is the maximum and needs underwriter approval. |
| 9 | An umbrella of $5,000,000 needs a general liability limit of $2,000,000 per occurrence; the quote has 1000 thousand. |
| 10 | An umbrella of $5,000,000 is referred to underwriting. |
| 11 | Annual revenue of $3,100,000 per location is above the BOP limit of $3,000,000 for this class. |
| 12 | The customer has 3 claims in the last 3 years; 3 or more need underwriter approval. |
| 13 | A restaurant in a frame building is referred to underwriting for the cooking hazard. |
| 14 | A policy with 5 locations is priced by underwriting and needs approval. |
| 15 | The business has operated for 1 years; under 2 years needs underwriter review. |
| 16 | The quote states an annual premium of $16,712.24; the modeled rates give $16,762.24. |
| 17 | The quote has 0 locations; at least 1 is needed. |
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 business owner's policy for 3 restaurants, masonry construction, rented premises. Each location: building limit $900,000, business personal property $320,000; annual revenue $2,600,000; general liability $2,000,000 per occurrence; loss of income and extra expense for 12 months; data breach limit $250,000; plus equipment breakdown, spoilage, liquor liability, professional liability, employee dishonesty, hired and non-owned auto; and a $2 million umbrella. The policy is bundled with other Hanover policies. The business has operated for 9 years with no claims in the last 3 years. The quote states an annual premium of $51,379.68. It is ready to send.
Verdict: Blocked.
The agent's request. Please quote a business owner's policy for 3 restaurants, masonry construction, rented premises. Each location: business personal property $320,000; annual revenue $2,600,000; general liability $2,000,000 per occurrence; loss of income and extra expense for 12 months; data breach limit $50,000; plus equipment breakdown, spoilage, liquor liability, employee dishonesty, hired and non-owned auto; and a $2 million umbrella. The policy is bundled with other Hanover policies. The business has operated for 9 years with no claims in the last 3 years. The quote states an annual premium of $35,064.48. It is ready to send.
Verdict: Allowed.
The agent's request. Please quote a business owner's policy for 2 dental practices, masonry construction, owned building. Each location: building limit $1,100,000, business personal property $420,000; annual revenue $2,100,000; general liability $1,000,000 per occurrence; loss of income and extra expense for 6 months; data breach limit $100,000; plus equipment breakdown, spoilage, liquor liability, professional liability. The buildings are sprinklered. The policy is bundled with other Hanover policies. The business has operated for 14 years with no claims in the last 3 years. The quote states an annual premium of $19,733.40. It is ready to send.
Verdict: Blocked.
The agent's request. Please quote a business owner's policy for 2 dental practices, masonry construction, owned building. Each location: building limit $1,100,000, business personal property $420,000; annual revenue $2,100,000; general liability $1,000,000 per occurrence; loss of income and extra expense for 6 months; data breach limit $100,000; plus equipment breakdown, professional liability. The buildings are sprinklered. The policy is bundled with other Hanover policies. The business has operated for 14 years with no claims in the last 3 years. The quote states an annual premium of $16,888.96. It is ready to send.
Verdict: Needs approval.
The agent's request. Please quote a business owner's policy for 2 dental practices, masonry construction, owned building. Each location: building limit $1,100,000, business personal property $420,000; annual revenue $2,100,000; general liability $1,000,000 per occurrence; loss of income and extra expense for 6 months; data breach limit $50,000; plus equipment breakdown, professional liability. The buildings are sprinklered. The policy is bundled with other Hanover policies. The business has operated for 14 years with no claims in the last 3 years. The quote states an annual premium of $16,642.56. It is ready to send.
Verdict: Allowed.
The agent's request. Please quote a business owner's policy for 2 technology company offices, masonry construction, rented premises. Each location: business personal property $650,000; annual revenue $4,000,000; general liability $1,000,000 per occurrence; loss of income and extra expense for 6 months; data breach limit $50,000; plus spoilage, professional liability, employee dishonesty; and a $5 million umbrella. The business has operated for 6 years with no claims in the last 3 years. The quote states an annual premium of $19,684.00. It is ready to send.
Verdict: Blocked.
The agent's request. Please quote a business owner's policy for 2 technology company offices, masonry construction, rented premises. Each location: business personal property $650,000; annual revenue $4,000,000; general liability $2,000,000 per occurrence; loss of income and extra expense for 6 months; data breach limit $50,000; plus professional liability, employee dishonesty; and a $2 million umbrella. The business has operated for 6 years with no claims in the last 3 years. The quote states an annual premium of $19,019.00. It is ready to send.
Verdict: Allowed.
The text of the narrated walkthrough, step by step.