Predictika · Commercial insurance
An AI agent puts together a commercial insurance package for a small business in Kansas or Missouri: general liability with completed operations, an umbrella, commercial property, workers compensation, commercial auto, tools and equipment, and for a restaurant, liquor liability and business interruption. Before the package is sent to the customer, the agent sends it to Predictika, which checks it against a declarative model of the lines of coverage, trades and requirements on the public Insure 247 website and returns a verdict, every reason and the annual premium it computed.
This validator models a commercial insurance package for a small business, based on the public Insure 247 website (the independent agency of Jay Stoetzer, licensed in Kansas and Missouri). It handles any package for the classes and coverages below, not just the scenarios shown. Where a rule is something the website describes it says so; every premium, rate, minimum, limit and threshold is invented for illustration. The website names no carriers or limits, so none are modeled.
Any package for these classes and coverages that touches these rules is in scope — not only the scenarios pictured here. Not covered: personal lines (auto, home, umbrella, boat and RV), churches and non-profits, home health and adult day care, landlords, and the other contractor trades the site lists (drywall, finish carpentry, flooring, framing, masonry and concrete, painting, plastering and stucco), cyber and professional liability, carriers and their appetite, taxes and fees. The businesses are fictional.
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 |
|---|---|---|
| A contract that sets the limits and the endorsements | Only when vigilant The job contract asks for a per-occurrence limit, total limits with an umbrella, an additional insured endorsement and a waiver of subrogation. A rating system prices what is entered; matching the package to the contract is a person reading both. | The contract requirements are request fields and every one is checked against the package, whatever order it was built in. |
| An umbrella that needs the right limits underneath | Only with workarounds The umbrella has to sit on enough general liability and, when vehicles are insured, enough auto liability. A product rule can test one underlying line, and each extra line is another rule that fires only when the umbrella is added. | Both underlying limits are compared with the umbrella on every call. |
| Workers compensation payroll that must agree with the payroll used elsewhere | Only with workarounds Payroll is entered once for general liability and again for workers compensation. Nothing ties the two together, and the difference usually surfaces at the premium audit. | The two payrolls are compared on every call and a short workers compensation payroll is a finding. |
| Class-specific requirements, such as completed operations for contractors and fire suppression for a restaurant kitchen | Only with care These are rules per business class. They can be built, but each one is another class condition on a coverage choice, and they are easy to leave out for a class added later. | The business class is a request field and the class rules are checked together with the rest. |
| A prohibited operation, such as asbestos abatement | Only with workarounds A pick list can hide a coverage but not an operation described in the application, so a prohibited operation tends to be caught at underwriting after the quote went out. | The operation is a request field and the package is blocked with the reason. |
| Advice that needs a person, such as subcontractors without certificates, a high experience modification or torch-down roofing | Only with workarounds These are judgment calls, not hard rules. Quote tools tend to either ignore them or block the quote outright. | The package is not blocked; it goes to a person with the reason listed. |
| A stated premium that has to agree with the quote | Only with workarounds Premiums come from many lines, and the total typed on the proposal can drift from them when a line is added or removed. | The annual premium is computed from the choices and compared with the premium the quote states. |
| 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 person 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 package; approval findings need a person to sign off; everything else is computed.
| 1 | The business is located outside Kansas and Missouri; Insure 247 is licensed in Kansas and Missouri. |
| 2 | Asbestos abatement is a prohibited operation in this package; the general liability form excludes it. |
| 3 | The general liability limit of $400,000 per occurrence is below the minimum of $500,000. |
| 4 | The business has 6 employees and the package includes no workers compensation. |
| 5 | Payroll reported for workers compensation ($299,999) is less than the payroll used for general liability ($300,000). |
| 6 | The experience modification of 150 percent is 150 percent or more; this package does not place those risks. |
| 7 | The experience modification of 149 percent is above 125 percent and an underwriter confirms the workers compensation rate. |
| 8 | The contractor package has no completed operations coverage; contractors need it for claims that arise after a job is finished. |
| 9 | The contract requires $2,000,000 per occurrence of general liability and the package carries $1,000,000. |
| 10 | The contract requires $5,000,000 per occurrence in total limits, and general liability plus umbrella give $4,000,000. |
| 11 | The contract requires an additional insured endorsement and the package does not include one. |
| 12 | The contract requires a waiver of subrogation endorsement and the package does not include one. |
| 13 | An umbrella of $1,000,000 sits on general liability of $500,000 per occurrence; the umbrella needs at least $1,000,000 underneath. |
| 14 | An umbrella of $1,000,000 sits on auto liability of $500,000; with vehicles in the package the umbrella needs at least $1,000,000 of auto liability underneath. |
| 15 | The package insures 3 vehicles and lists 2 drivers; each vehicle needs a listed driver. |
| 16 | The auto liability limit of $300,000 is below the minimum of $500,000 for commercial vehicles. |
| 17 | A fleet of 10 vehicles is rated by an underwriter before it is bound. |
| 18 | The property limit of $449,000 is below 90 percent of the declared replacement cost of $500,000. |
| 19 | The restaurant kitchen has no fire suppression system on the hood and cooking line, which commercial property requires for a cooking operation. |
| 20 | 30 percent of sales is alcohol and the package includes no liquor liability. |
| 21 | Alcohol is 60 percent of sales, which an underwriter reviews as a bar operation. |
| 22 | The restaurant package has no business interruption coverage, and a person confirms the owner understands the exposure. |
| 23 | A schedule credit of 11 percent is more than 10 percent and needs a manager to approve it. |
| 24 | A schedule credit of 26 percent is more than the 25 percent limit. |
| 25 | The operations include torch-down roofing, which an underwriter reviews before the package is bound. |
| 26 | 3 of the 4 subcontractors have certificates of insurance on file; a person confirms the rest before the package is bound. |
| 27 | The contractor owns tools and equipment worth $80,000 and the package does not cover them. |
| 28 | An umbrella of $5,000,000 is placed by an excess underwriter before it is bound. |
| 29 | The quote states an annual premium of $18,209, but the rates, limits and credit give $18,210. |
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 commercial package for a general contractor in Missouri, with 28 employees, annual payroll of $1,450,000, $2,200,000 of subcontracted work, 9 subcontractors, 6 with certificates of insurance on file and annual receipts of $6,800,000. The package has general liability of $1,000,000 per occurrence with completed operations, an umbrella of $3,000,000, workers compensation on payroll of $1,150,000 with an experience modification of 112 percent, commercial property of $900,000 on a declared replacement cost of $1,200,000, 6 vehicles with 8 drivers and auto liability of $500,000 and tools and equipment valued at $340,000 with a limit of $340,000. The customer's contract requires $1,000,000 per occurrence of general liability, $5,000,000 in total limits, an additional insured endorsement and a waiver of subrogation endorsement. The schedule credit is 5 percent. The quote states an annual premium of $142,075. It is ready to send.
Verdict: Blocked.
The agent's request. Please quote a commercial package for a general contractor in Missouri, with 28 employees, annual payroll of $1,450,000, $2,200,000 of subcontracted work, 9 subcontractors, 6 with certificates of insurance on file and annual receipts of $6,800,000. The package has general liability of $1,000,000 per occurrence with completed operations, an umbrella of $4,000,000, workers compensation on payroll of $1,450,000 with an experience modification of 112 percent, commercial property of $1,200,000 on a declared replacement cost of $1,200,000, 6 vehicles with 8 drivers and auto liability of $1,000,000 and tools and equipment valued at $340,000 with a limit of $340,000. The customer's contract requires $1,000,000 per occurrence of general liability, $5,000,000 in total limits, an additional insured endorsement and a waiver of subrogation endorsement. The package includes an additional insured endorsement and a waiver of subrogation endorsement. The schedule credit is 5 percent. The quote states an annual premium of $171,145. It is ready to send.
Verdict: Needs approval.
The agent's request. Please quote a commercial package for a general contractor in Missouri, with 28 employees, annual payroll of $1,450,000, $2,200,000 of subcontracted work, 9 subcontractors, 9 with certificates of insurance on file and annual receipts of $6,800,000. The package has general liability of $1,000,000 per occurrence with completed operations, an umbrella of $4,000,000, workers compensation on payroll of $1,450,000 with an experience modification of 112 percent, commercial property of $1,200,000 on a declared replacement cost of $1,200,000, 6 vehicles with 8 drivers and auto liability of $1,000,000 and tools and equipment valued at $340,000 with a limit of $340,000. The customer's contract requires $1,000,000 per occurrence of general liability, $5,000,000 in total limits, an additional insured endorsement and a waiver of subrogation endorsement. The package includes an additional insured endorsement and a waiver of subrogation endorsement. The schedule credit is 5 percent. The quote states an annual premium of $171,145. It is ready to send.
Verdict: Allowed.
The agent's request. Please quote a commercial package for a restaurant and bar in Kansas, with 38 employees, annual payroll of $780,000 and annual receipts of $2,400,000. The package has general liability of $1,000,000 per occurrence, an umbrella of $1,000,000, workers compensation on payroll of $780,000 with an experience modification of 105 percent, commercial property of $900,000 on a declared replacement cost of $900,000, 12 months of business interruption, alcohol at 35 percent of sales and 2 vehicles with 3 drivers and auto liability of $1,000,000. The customer's contract requires $1,000,000 per occurrence of general liability, $2,000,000 in total limits and an additional insured endorsement. The package includes an additional insured endorsement. The schedule credit is 4 percent. The quote states an annual premium of $46,484. It is ready to send.
Verdict: Blocked.
The agent's request. Please quote a commercial package for a restaurant and bar in Kansas, with 38 employees, annual payroll of $780,000 and annual receipts of $2,400,000. The package has general liability of $1,000,000 per occurrence, an umbrella of $1,000,000, workers compensation on payroll of $780,000 with an experience modification of 105 percent, commercial property of $900,000 on a declared replacement cost of $900,000, a fire suppression system on the cooking line, 12 months of business interruption, alcohol at 35 percent of sales with liquor liability of $1,000,000 and 2 vehicles with 3 drivers and auto liability of $1,000,000. The customer's contract requires $1,000,000 per occurrence of general liability, $2,000,000 in total limits and an additional insured endorsement. The package includes an additional insured endorsement. The schedule credit is 4 percent. The quote states an annual premium of $56,045. It is ready to send.
Verdict: Allowed.
The agent's request. Please quote a commercial package for a roofing contractor in Missouri, with 14 employees, annual payroll of $620,000, $150,000 of subcontracted work, 2 subcontractors, 2 with certificates of insurance on file, annual receipts of $1,900,000 and asbestos abatement among its operations. The package has general liability of $1,000,000 per occurrence, workers compensation on payroll of $620,000 with an experience modification of 155 percent, 3 vehicles with 2 drivers and auto liability of $1,000,000 and tools and equipment valued at $120,000 with a limit of $120,000. The schedule credit is 30 percent. The quote states an annual premium of $180,453. It is ready to send.
Verdict: Blocked.
The text of the narrated walkthrough, step by step.