Predictika · Small commercial insurance proposals

An AI sales agent's small business policy proposal, checked before it goes out

An AI sales agent prepares a coverage proposal for a small business: liability limits, the property deductible, business income waiting period and optional cover such as data breach, professional liability and umbrella. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the published coverage options and returns a verdict, every reason and the figures it computed.

Scope: The Hartford Spectrum Small Business policy proposals: business liability limits, property deductible, business income waiting period and the published limit ranges for optional coverages. See everything this validator covers

This validator models coverage limits and deductibles for the Spectrum Small Business policy as published in The Hartford's coverages and limits highlights (read October 5, 2026), not just the scenarios shown below.

  • Liability — per-occurrence limits of $300,000, $500,000, $1,000,000 or $2,000,000, with the aggregate at double the per-occurrence limit, and a medical expenses limit of $10,000 ($5,000 for certain restaurant classes).
  • Property and business income — property deductibles from $250 to $25,000, business income waiting periods up to 72 hours, and the published ranges for money and securities, identity recovery, lock and key replacement, newly acquired building and business personal property, valuable papers, accounts receivable and scheduled property.
  • Optional cover — data breach response and defense, professional liability and umbrella, each with the published limit and deductible or retention ranges. The published document says data breach defense and professional liability vary by business type and state, so a person is asked to confirm them.

Any Spectrum Small Business proposal that touches these limits is in scope — not only the scenarios pictured here. Not covered: premiums (The Hartford does not publish its rates, so this validator produces no price build-up or line-item quote), which businesses are eligible, class codes, state-by-state differences, policy forms and endorsement wording, and coverages not listed above. Assumption: the 72-hour ceiling treats the published "up to 72 hours" options as any whole number of hours up to 72.

The AI sales agentBuilds the coverage proposal from the conversation and says it is ready.
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
Limits that must sit inside a published range for each coverageOnly with care
A rule per coverage and per limit or deductible works, but about two dozen ranges have to be kept in step with the published table.		Every limit and deductible is checked against its range on every call, together with the rest.
An aggregate that must be double the per-occurrence limitOnly with care
The relationship links two fields, so it needs its own cross-field rule, and it is easy to change one limit without the other.		The aggregate is compared with twice the per-occurrence limit whichever field the agent changes.
A limit that depends on the type of businessOnly with care
The medical expenses limit changes for certain restaurant classes, which means another rule keyed to the class.		The class and the limit travel in one request and are checked together.
Coverage that varies by business type and stateOnly with workarounds
Availability that depends on the business and state is often left to underwriting after the quote is built.		Selecting such a coverage raises an approval finding in the same pass, so a person confirms it before release.
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.

    
1A business liability limit of $750,000 per occurrence is not available; the limits are $300,000, $500,000, $1,000,000 and $2,000,000.
2The business liability aggregate of $1,000,000 is not double the per-occurrence limit of $1,000,000.
3The medical expenses limit of $10,000 per person does not match this business class; it is $10,000 or $5,000 for certain restaurant classes.
4The medical expenses limit of $5,000 per person does not match this business class; it is $10,000 or $5,000 for certain restaurant classes.
5Data breach first party response needs a limit from $10,000 to $1,000,000 and a deductible from $1,000 to $100,000; the quote has a limit of $2,000,000 and a deductible of $5,000.
6Data breach first party response needs a limit from $10,000 to $1,000,000 and a deductible from $1,000 to $100,000; the quote has a limit of $100,000 and a deductible of $0.
7Data breach first party response needs a limit from $10,000 to $1,000,000 and a deductible from $1,000 to $100,000; the quote has a limit of $0 and a deductible of $5,000.
8Data breach third-party defense needs a limit from $50,000 to $1,000,000 and a deductible from $1,000 to $100,000; the quote has a limit of $25,000 and a deductible of $1,000.
9Data breach third-party defense varies by business type and state; a person should confirm it is available for a limit of $25,000.
10Data breach third-party defense varies by business type and state; a person should confirm it is available for a limit of $100,000.
11Professional liability varies by business type and state; a person should confirm it is available for a limit of $500,000.
12Professional liability needs a limit from $10,000 to $2,000,000 and a deductible from $0 to $25,000; the quote has a limit of $500,000 and a deductible of $50,000.
13Professional liability needs a limit from $10,000 to $2,000,000 and a deductible from $0 to $25,000; the quote has a limit of $3,000,000 and a deductible of $10,000.
14Professional liability varies by business type and state; a person should confirm it is available for a limit of $3,000,000.
15Umbrella needs a limit from $1,000,000 to $10,000,000 and a retention of $10,000; the quote has a limit of $5,000,000 and a retention of $25,000.
16Umbrella needs a limit from $1,000,000 to $10,000,000 and a retention of $10,000; the quote has a limit of $12,000,000 and a retention of $10,000.
17Umbrella needs a limit from $1,000,000 to $10,000,000 and a retention of $10,000; the quote has a limit of $500,000 and a retention of $10,000.
18The property deductible of $100 is outside the available range of $250 to $25,000.
19The property deductible of $30,000 is outside the available range of $250 to $25,000.
20A business income waiting period of 96 hours is not available; the options go up to 72 hours.
21Money and securities limits of $300,000 inside and $125,000 outside are not available; the range is $10,000 to $250,000 inside and $5,000 to $125,000 outside.
22Money and securities limits of $10,000 inside and $2,500 outside are not available; the range is $10,000 to $250,000 inside and $5,000 to $125,000 outside.
23An identity recovery limit of $5,000 is not available; the range is $10,000 to $100,000.
24A lock and key replacement limit of $60,000 is not available; the range is $1,000 to $50,000.
25A newly acquired building limit of $4,000,000 is not available; the range is $500,000 to $3,000,000.
26A newly acquired business personal property limit of $100,000 is not available; the range is $250,000 to $2,000,000.
27A valuable papers and records limit of $3,000,000 is not available; the range is $25,000 to $2,000,000.
28An accounts receivable limit of $10,000 is not available; the range is $25,000 to $2,000,000.
29Scheduled property of $1,500,000 exceeds the $1,000,000 total for all items.
30Data breach third-party defense varies by business type and state; a person should confirm it is available for a limit of $250,000.

  

  

    
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. Optional property and money limits: Seven optional property and money limits outside the published ranges

    
The agent's request. Please quote the Spectrum Small Business policy for a small business with business liability of $1,000,000 per occurrence and $2,000,000 aggregate, medical expenses of $10,000 per person, a property deductible of $1,000 and a business income waiting period of 0 hours, money and securities of $300,000 inside and $2,500 outside, identity recovery of $5,000 and lock and key replacement of $60,000, newly acquired building of $4,000,000 and business personal property of $100,000, valuable papers of $3,000,000 and accounts receivable of $10,000. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Money and securities limits out of range. Money and securities limits of $300,000 inside and $2,500 outside are not available; the range is $10,000 to $250,000 inside and $5,000 to $125,000 outside.
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  • Identity recovery limit out of range. An identity recovery limit of $5,000 is not available; the range is $10,000 to $100,000.
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  • Lock and key limit out of range. A lock and key replacement limit of $60,000 is not available; the range is $1,000 to $50,000.
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  • Newly acquired building limit out of range. A newly acquired building limit of $4,000,000 is not available; the range is $500,000 to $3,000,000.
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  • Newly acquired business property limit out of range. A newly acquired business personal property limit of $100,000 is not available; the range is $250,000 to $2,000,000.
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  • Valuable papers limit out of range. A valuable papers and records limit of $3,000,000 is not available; the range is $25,000 to $2,000,000.
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  • Accounts receivable limit out of range. An accounts receivable limit of $10,000 is not available; the range is $25,000 to $2,000,000.
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2. Optional property and money limits: The agent resubmits after fixing the errors

    
The agent's request. Please quote the Spectrum Small Business policy for a small business with business liability of $1,000,000 per occurrence and $2,000,000 aggregate, medical expenses of $10,000 per person, a property deductible of $1,000 and a business income waiting period of 0 hours, money and securities of $250,000 inside and $125,000 outside, identity recovery of $100,000 and lock and key replacement of $50,000, newly acquired building of $3,000,000 and business personal property of $2,000,000, valuable papers of $2,000,000 and accounts receivable of $2,000,000. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Proposal summary. Business liability $1,000,000 per occurrence and $2,000,000 aggregate; property deductible $1,000; business income waiting period 0 hours.
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3. Liability and property terms: Liability, deductible, waiting period and scheduled property outside the published options

    
The agent's request. Please quote the Spectrum Small Business policy for a small business with business liability of $750,000 per occurrence and $1,500,000 aggregate, medical expenses of $10,000 per person, a property deductible of $100 and a business income waiting period of 96 hours, a $5,000,000 umbrella with a $10,000 retention, money and securities of $10,000 inside and $5,000 outside, identity recovery of $15,000 and lock and key replacement of $1,000, newly acquired building of $500,000 and business personal property of $250,000, valuable papers of $25,000 and accounts receivable of $25,000, and scheduled property totaling $1,500,000. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Liability per-occurrence limit not available. A business liability limit of $750,000 per occurrence is not available; the limits are $300,000, $500,000, $1,000,000 and $2,000,000.
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  • Property deductible out of range. The property deductible of $100 is outside the available range of $250 to $25,000.
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  • Business income waiting period too long. A business income waiting period of 96 hours is not available; the options go up to 72 hours.
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  • Scheduled property total over 1 million. Scheduled property of $1,500,000 exceeds the $1,000,000 total for all items.
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4. Liability and property terms: The agent resubmits after fixing the errors

    
The agent's request. Please quote the Spectrum Small Business policy for a small business with business liability of $1,000,000 per occurrence and $2,000,000 aggregate, medical expenses of $10,000 per person, a property deductible of $500 and a business income waiting period of 72 hours, a $5,000,000 umbrella with a $10,000 retention, money and securities of $10,000 inside and $5,000 outside, identity recovery of $15,000 and lock and key replacement of $1,000, newly acquired building of $500,000 and business personal property of $250,000, valuable papers of $25,000 and accounts receivable of $25,000, and scheduled property totaling $1,000,000. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Proposal summary. Business liability $1,000,000 per occurrence and $2,000,000 aggregate; property deductible $500; business income waiting period 72 hours.
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5. Cyber and professional cover: A restaurant with data breach, professional liability and medical expenses limits outside the published options

    
The agent's request. Please quote the Spectrum Small Business policy for a restaurant with business liability of $1,000,000 per occurrence and $2,000,000 aggregate, medical expenses of $10,000 per person, a property deductible of $1,000 and a business income waiting period of 0 hours, data breach response of $2,000,000 with a $500 deductible, data breach defense of $25,000 with a $1,000 deductible, professional liability of $3,000,000 with a $50,000 deductible, money and securities of $10,000 inside and $5,000 outside, identity recovery of $15,000 and lock and key replacement of $1,000, newly acquired building of $500,000 and business personal property of $250,000, valuable papers of $25,000 and accounts receivable of $25,000. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Medical expenses limit does not match the class. The medical expenses limit of $10,000 per person does not match this business class; it is $10,000 or $5,000 for certain restaurant classes.
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  • Data breach response limit or deductible out of range. Data breach first party response needs a limit from $10,000 to $1,000,000 and a deductible from $1,000 to $100,000; the quote has a limit of $2,000,000 and a deductible of $500.
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  • Data breach defense limit or deductible out of range. Data breach third-party defense needs a limit from $50,000 to $1,000,000 and a deductible from $1,000 to $100,000; the quote has a limit of $25,000 and a deductible of $1,000.
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  • Professional liability limit or deductible out of range. Professional liability needs a limit from $10,000 to $2,000,000 and a deductible from $0 to $25,000; the quote has a limit of $3,000,000 and a deductible of $50,000.
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  • Data breach defense availability to confirm. Data breach third-party defense varies by business type and state; a person should confirm it is available for a limit of $25,000.
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  • Professional liability availability to confirm. Professional liability varies by business type and state; a person should confirm it is available for a limit of $3,000,000.
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6. Cyber and professional cover: The agent resubmits after fixing the errors

    
The agent's request. Please quote the Spectrum Small Business policy for a restaurant with business liability of $1,000,000 per occurrence and $2,000,000 aggregate, medical expenses of $5,000 per person, a property deductible of $1,000 and a business income waiting period of 0 hours, data breach response of $1,000,000 with a $5,000 deductible, data breach defense of $100,000 with a $2,500 deductible, professional liability of $1,000,000 with a $50,000 deductible, money and securities of $10,000 inside and $5,000 outside, identity recovery of $15,000 and lock and key replacement of $1,000, newly acquired building of $500,000 and business personal property of $250,000, valuable papers of $25,000 and accounts receivable of $25,000. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Professional liability limit or deductible out of range. Professional liability needs a limit from $10,000 to $2,000,000 and a deductible from $0 to $25,000; the quote has a limit of $1,000,000 and a deductible of $50,000.
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  • Data breach defense availability to confirm. Data breach third-party defense varies by business type and state; a person should confirm it is available for a limit of $100,000.
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  • Professional liability availability to confirm. Professional liability varies by business type and state; a person should confirm it is available for a limit of $1,000,000.
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7. Cyber and professional cover: The agent resubmits after fixing the errors

    
The agent's request. Please quote the Spectrum Small Business policy for a restaurant with business liability of $1,000,000 per occurrence and $2,000,000 aggregate, medical expenses of $5,000 per person, a property deductible of $1,000 and a business income waiting period of 0 hours, data breach response of $1,000,000 with a $5,000 deductible, data breach defense of $100,000 with a $2,500 deductible, professional liability of $1,000,000 with a $10,000 deductible, money and securities of $10,000 inside and $5,000 outside, identity recovery of $15,000 and lock and key replacement of $1,000, newly acquired building of $500,000 and business personal property of $250,000, valuable papers of $25,000 and accounts receivable of $25,000. It is ready to send.

    
Verdict: Needs approval.

    
    
      
  • Data breach defense availability to confirm. Data breach third-party defense varies by business type and state; a person should confirm it is available for a limit of $100,000.
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  • Professional liability availability to confirm. Professional liability varies by business type and state; a person should confirm it is available for a limit of $1,000,000.
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  • Proposal summary. Business liability $1,000,000 per occurrence and $2,000,000 aggregate; property deductible $1,000; business income waiting period 0 hours.
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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 coverage proposal for a small business: liability limits, the property deductible, business income waiting period and optional cover such as data breach, and more. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the published coverage options and returns a verdict, every reason and the figures it computed.
    2. 
      
  2. I will start with the first request by the agent.
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  3. The agent says. Please quote the Spectrum Small Business policy for a small business. It is ready to send. The rest of the request is on screen.
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  4. Before it goes out, the agent calls the validator.
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  5. Blocked, with seven findings, all in one answer. Money and securities limits of $300,000 inside and $2,500 outside are not available; the range is $10,000 to $250,000 inside and $5,000 to $125,000 outside. An identity recovery limit of $5,000 is not available; the range is $10,000 to $100,000. A lock and key replacement limit of $60,000 is not available; the range is $1,000 to $50,000. The other four are on screen.
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  6. The validator returned seven 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 limits that must sit inside a published range for each coverage, a rules-based CPQ 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 money and securities inside to $250,000, the money and securities outside to $125,000, the identity recovery limit to $100,000 and the lock and key replacement limit to $50,000. Four more changes are on screen.
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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. All seven earlier findings are cleared.
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  13. Seven problems caught in one call, fixed in one pass, and a clean quote. That is the value of Predictika's validator: catching mistakes before they reach the customer.
    14.