Predictika · SME insurance quotes

An AI sales agent's SME insurance quote, checked before it goes out

An AI sales agent prepares a business insurance quote for a small or medium company in Switzerland, built from modules such as property, technical, liability and legal protection. Before the quote goes out, the agent sends it to Predictika, which checks it against a declarative model of the SME offer and returns a verdict, every reason and the combination discount it computed.

Scope: Helvetia SME business insurance in Switzerland: up to eight modules, the combination discount, Service Basic and Service Plus, and Extended Coverage+. See everything this validator covers

This validator models SME business insurance quotes, not just the scenarios shown below.

  • Modules and eligibility — movable property, buildings, technical, buildings liability, public and professional liability, marine, assistance and legal protection; at least one module per contract, building covers only for building owners, and Extended Coverage+ as an extension of property insurance.
  • Discount and service — the combination discount, which grows with the number of modules up to 14 percent, and the Service Basic and Service Plus packages, with Service Plus needing at least three modules.
  • Limits and approvals — company size, the liability maximum, and the cases an underwriter must see: a risk review that is not yet done, high liability cover, and high technical or property sums insured.

Any SME quote that touches these rules is in scope — not only the scenarios pictured here. Not covered: fleet, event and cyber insurance, private-customer products and premiums. The validator computes the combination discount but no premium, because Helvetia publishes no premiums outside its own calculator. Module names, the 14 percent discount ceiling, the Service packages and the risk-review requirement follow public Helvetia pages; the discount per module, the size limit and the approval thresholds are modeled and are not published by Helvetia.

The AI sales agentBuilds the insurance quote from the conversation and says it is ready.
Predictika validatorChecks every rule at once and returns the verdict, each finding, 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
A discount that depends on how many modules are chosenOnly with care
The discount is a step table over the module count, so the count has to be derived and the step rule maintained as modules change.		The module choices are in one request and the discount is computed from them on every call.
Covers that are open only to building ownersOnly with care
Each owner-only module needs its own rule that checks the customer attribute, and the list grows with every module.		The ownership flag and the modules are fields of one request and checked together on every call.
A package that needs a minimum number of modulesOnly with care
Service Plus depends on the module count, so a rule has to count the modules before it can compare.		The package and the module count are compared on every call.
A stated discount that must match the computed discountOnly with workarounds
The discount comes from a step table, so a separate rule is needed to recompute it and compare it with the stated figure.		The stated discount is a field of the request and is compared with the computed discount on every call.
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 quote has no insurance module; an SME contract needs at least one.
2The quote states a 14 percent combination discount; 3 modules give 4 percent.
3Buildings insurance and buildings liability are for building owners and the customer does not own the building.
4Extended Coverage+ is an extension of property insurance and the quote has no property module.
5Liability cover of 10 million francs is above 5 million; an underwriter should approve.
6Liability cover of 11 million francs is above the 10 million franc maximum for an SME contract.
7Liability cover of 6 million francs is above 5 million; an underwriter should approve.
8Technical insurance of 1,001 thousand francs is above 1,000 thousand; an underwriter should approve.
9Movable property insured for 2,001 thousand francs is above 2,000 thousand; an underwriter should approve.
10The company has 251 employees; the SME offer is for companies with at most 250.
11Service Plus is offered with at least 3 modules; the quote has 2.
12Liability, marine, assistance and building covers are offered only after a risk review and it is not yet done; an underwriter should complete it.
13The quote states a 10 percent combination discount; 3 modules give 4 percent.
14The company has 300 employees; the SME offer is for companies with at most 250.
15The quote states a 14 percent combination discount; 2 modules give 2 percent.
16Liability cover of 12 million francs is above the 10 million franc maximum for an SME contract.
17Liability cover of 8 million francs is above 5 million; an underwriter should approve.
18Technical insurance of 1,500 thousand francs is above 1,000 thousand; an underwriter should approve.

  

  

    
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. Eligibility, limits and extension: A tenant quote with building covers, 12 million francs of liability, 300 employees and Extended Coverage+ without property

    
The agent's request. Please quote an SME contract for a company with 300 employees, with buildings, buildings liability and public and professional liability insurance, liability cover of 12 million francs, Extended Coverage+, Service Plus, and a combination discount of 14 percent. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Building covers need a building owner. Buildings insurance and buildings liability are for building owners and the customer does not own the building.
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  • Extended Coverage+ needs property insurance. Extended Coverage+ is an extension of property insurance and the quote has no property module.
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  • Stated discount does not match. The quote states a 14 percent combination discount; 3 modules give 4 percent.
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  • Liability cover above the SME maximum. Liability cover of 12 million francs is above the 10 million franc maximum for an SME contract.
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  • Company too large for the SME offer. The company has 300 employees; the SME offer is for companies with at most 250.
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2. Eligibility, limits and extension: The agent resubmits after fixing the errors

    
The agent's request. Please quote an SME contract for a company with 120 employees, with movable property, buildings, buildings liability and public and professional liability insurance, the company owns its building, liability cover of 4 million francs, 600 thousand francs insured for movable property, Extended Coverage+, Service Plus, and a combination discount of 6 percent. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Contract summary. 4 module(s) in one contract, combination discount 6 percent, 120 employees.
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3. Service package and discount: A two-module quote on Service Plus with a combination discount

    
The agent's request. Please quote an SME contract for a company with 30 employees, with movable property and technical insurance, 400 thousand francs insured for movable property, 200 thousand francs insured for technical, Service Plus, and a combination discount of 8 percent. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Stated discount does not match. The quote states a 8 percent combination discount; 2 modules give 2 percent.
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  • Service Plus needs three modules. Service Plus is offered with at least 3 modules; the quote has 2.
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4. Service package and discount: The agent resubmits after fixing the errors

    
The agent's request. Please quote an SME contract for a company with 30 employees, with movable property, technical and legal protection insurance, 400 thousand francs insured for movable property, 200 thousand francs insured for technical, Service Plus, and a combination discount of 4 percent. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Contract summary. 3 module(s) in one contract, combination discount 4 percent, 30 employees.
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5. Risk review and sums insured: A marine, assistance and technical quote with a large technical sum and a combination discount

    
The agent's request. Please quote an SME contract for a company with 80 employees, with technical, marine and assistance insurance, 1,500 thousand francs insured for technical, Service Basic, the risk review is not done yet, and a combination discount of 10 percent. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Stated discount does not match. The quote states a 10 percent combination discount; 3 modules give 4 percent.
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  • Risk review to complete. Liability, marine, assistance and building covers are offered only after a risk review and it is not yet done; an underwriter should complete it.
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  • High technical sum insured to approve. Technical insurance of 1,500 thousand francs is above 1,000 thousand; an underwriter should approve.
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6. Risk review and sums insured: The agent resubmits after fixing the errors

    
The agent's request. Please quote an SME contract for a company with 80 employees, with technical, marine and assistance insurance, 900 thousand francs insured for technical, Service Basic, and a combination discount of 4 percent. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Contract summary. 3 module(s) in one contract, combination discount 4 percent, 80 employees.
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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 business insurance quote for a small or medium company in Switzerland, built from modules such as property, technical, liability and legal protection. Before the quote goes out, the agent sends it to Predictika, which checks it against a declarative model of the SME offer and returns a verdict, every reason and the combination discount it computed.
    2. 
      
  2. I will start with the first request by the agent.
    3. 
      
  3. The agent says. Please quote an SME contract for a company with 300 employees, with buildings, buildings liability and public and professional liability insurance. It is ready to send. The rest of the request is on screen.
    4. 
      
  4. Before it goes out, the agent calls the validator.
    5. 
      
  5. Blocked, with five findings, all in one answer. Buildings insurance and buildings liability are for building owners and the customer does not own the building. Extended Coverage+ is an extension of property insurance and the quote has no property module. The quote states a 14 percent combination discount; 3 modules give 4 percent. The other two are on screen.
    6. 
      
  6. The validator returned five 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 covers that are open only to building owners, 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 employees to 120, the modules to movable property, buildings, buildings liability, public and professional liability, the company owns the building to yes, the public and professional liability cover to 4 million CHF, the movable property sum insured to 600 thousand CHF and the combination discount stated on the quote to 6 percent.
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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 five earlier findings are cleared.
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  13. Five 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. Now you can try the other scenarios yourself.
    14.