Predictika · Excess and surplus lines casualty submissions

An AI sales agent's casualty submission, checked before it goes to the underwriter

An AI sales agent prepares a commercial casualty submission for a surplus lines broker: the line of business, the class of risk, limits, retention, options and the premium. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the eligibility and structure rules and returns a verdict, every reason and the figures it computed.

Scope: Excess and surplus lines casualty submissions: Small Accounts - Casualty, General Casualty, Manufacturers & Contractors, Excess Casualty and Hired & Non-Owned Auto. See everything this validator covers

This validator models submissions on these five casualty lines, not just the scenarios shown below.

  • Lines and classes — each line has its own target classes (contractors, restaurants and bars, habitational, retail and office, manufacturers, delivery); trucking and hazmat transport are not available. Small Accounts is for accounts under 10,000 dollars of premium, excludes new residential contractors in Arizona, Colorado, Nevada, Oregon and Washington, and writes restaurants with alcohol under 30 percent.
  • Forms, limits and retentions — occurrence or claims-made forms where the line offers them, deductibles and self-insured retentions, primary limits up to 1,000 thousand dollars, excess over at least 1,000 thousand dollars of underlying limits, and an approved third-party administrator for a retention on Hired & Non-Owned Auto.
  • Options and Hired & Non-Owned Auto eligibility — liquor liability, cyber liability, stop gap and per-location aggregate where the line offers them; Hired & Non-Owned Auto excludes owned autos, vehicles over 26,000 pounds and 10 or more passengers. The premium is computed and compared with the figure the agent states.

Any casualty submission on these lines that touches these rules is in scope — not only the scenarios pictured here. Not covered: James River's property, professional liability, environmental, energy, life sciences, allied healthcare and sports lines, state-specific filings and any individual underwriting judgment (James River reviews each submission individually). Limits, retentions, rates and minimum premiums here are typical for this kind of insurance; James River has not published them.

The AI sales agentBuilds the casualty submission from the broker 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
Classes that are available on some lines and not on othersOnly with care
A class-by-line table that has to be maintained by hand; each new class or line multiplies the entries.		The line and class are in one request and every pairing is checked together.
A premium cap that depends on the computed premiumOnly with workarounds
Small Accounts depends on the premium, which itself depends on exposure, class and options, so the rule has to read a calculated field and the order of calculation matters.		The premium is computed on every call and the cap is checked against it.
Options offered with one line onlyOnly with care
An allowed-options rule per option and line; it works, but adds up quickly as options are added.		Each option is checked against the chosen line on every call.
Hired and non-owned auto eligibility factsOnly with care
Vehicle weight, passenger count and ownership are separate fields that each need a validation rule.		The facts travel with the submission and every one is checked, with all failures returned together.
A stated premium that must equal the computed premiumOnly with care
A free-entry premium can be compared with the computed one, but someone has to maintain the comparison after every rate change.		The stated premium travels with the submission and is compared with the computed premium on every call.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as the submission is saved or a step is completed, so a broker 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 submission; approval findings need a person to sign off; everything else is computed.

    
1The class of business is not available on the selected line.
2Small Accounts does not write new residential contractors in Arizona, Colorado, Nevada, Oregon or Washington.
3Small Accounts is for accounts under 10,000 dollars of annual premium; the premium here is 11,700 dollars.
4Small Accounts writes restaurants with alcohol sales under 30 percent; this one has 45 percent.
5Claims-made coverage is offered on Manufacturers and Contractors and on Excess Casualty only; the other lines are written on an occurrence form.
6Small Accounts is written with a deductible; a self-insured retention is not offered on this line.
7A self-insured retention on Hired and Non-Owned Auto needs an approved third-party administrator; the submission has none.
8The underlying limit is 500 thousand dollars; Excess Casualty attaches over at least 1,000 thousand dollars.
9The excess limit is 15,000 thousand dollars; the largest limit written here is 10,000 thousand dollars.
10The occurrence limit is 2,000 thousand dollars; a primary line is written up to 1,000 thousand dollars.
11The aggregate limit of 500 thousand dollars is below the occurrence limit of 1,000 thousand dollars.
12Liquor liability is offered together with General Casualty; it cannot be added to the selected line.
13Cyber liability is offered with General Casualty and Manufacturers and Contractors only.
14Stop gap liability is offered together with General Casualty; it cannot be added to the selected line.
15A per-location aggregate endorsement is offered together with General Casualty; it cannot be added to the selected line.
16Hired and Non-Owned Auto does not cover vehicles over 26,000 pounds GVW; the submission has 33,000 pounds.
17Hired and Non-Owned Auto does not cover buses or high-capacity vehicles (10 or more passengers); the submission has 12.
18Hired and Non-Owned Auto does not cover owned or long-term leased autos; the submission has 5.
19Delivery and on-demand exposures on Hired and Non-Owned Auto are reviewed by an underwriter before they are bound.
20The submission states a premium of 5,999 dollars; the exposure, class and options add up to 6,000 dollars.
21The submission states a premium of 6,500 dollars; the exposure, class and options add up to 6,000 dollars.
22A premium of 27,600 dollars is above the level a person should confirm.
23Hired and Non-Owned Auto does not cover vehicles over 26,000 pounds GVW; the submission has 40,000 pounds.
24Hired and Non-Owned Auto does not cover buses or high-capacity vehicles (10 or more passengers); the submission has 14.
25Hired and Non-Owned Auto does not cover owned or long-term leased autos; the submission has 3.

  

  

    
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. Residential remodeler in Nevada: A Nevada residential remodeler submitted under Small Accounts with a self-insured retention

    
The agent's request. Please submit a new residential contractor risk (NV, annual exposure $380 thousand) for Small Accounts - Casualty: occurrence form, $1,000 thousand per occurrence and $2,000 thousand aggregate, self-insured retention. The premium is $6,080. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • New residential contractors excluded in this state. Small Accounts does not write new residential contractors in Arizona, Colorado, Nevada, Oregon or Washington.
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  • Small Accounts offers deductibles. Small Accounts is written with a deductible; a self-insured retention is not offered on this line.
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2. Residential remodeler in Nevada: The agent resubmits after fixing the errors

    
The agent's request. Please submit a new residential contractor risk (NV, annual exposure $380 thousand) for Manufacturers & Contractors: occurrence form, $1,000 thousand per occurrence and $2,000 thousand aggregate, deductible retention. The premium is $8,360. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Submission summary. Occurrence limit 1,000 thousand dollars, aggregate 2,000 thousand dollars; minimum premium 5,000 dollars; premium 8,360 dollars.
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3. Restaurant group: A restaurant group with 45 percent alcohol sales submitted under Small Accounts

    
The agent's request. Please submit a restaurant or bar risk (TX, annual exposure $900 thousand) for Small Accounts - Casualty: occurrence form, $1,000 thousand per occurrence and $2,000 thousand aggregate, deductible retention. Alcohol is 45 percent of sales. The premium is $13,500. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Small Accounts premium limit. Small Accounts is for accounts under 10,000 dollars of annual premium; the premium here is 13,500 dollars.
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  • Alcohol sales at or above 30 percent. Small Accounts writes restaurants with alcohol sales under 30 percent; this one has 45 percent.
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4. Restaurant group: The agent resubmits after fixing the errors

    
The agent's request. Please submit a restaurant or bar risk (TX, annual exposure $900 thousand) for General Casualty: occurrence form, $1,000 thousand per occurrence and $2,000 thousand aggregate, deductible retention. Alcohol is 45 percent of sales. Options: liquor liability. The premium is $16,950. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Submission summary. Occurrence limit 1,000 thousand dollars, aggregate 2,000 thousand dollars; minimum premium 2,500 dollars; premium 16,950 dollars.
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5. Retail chain with store delivery: Hired and non-owned auto for a retail chain with heavy vehicles, owned autos and no administrator

    
The agent's request. Please submit a retail or office risk (FL, annual exposure $1,200 thousand) for Hired & Non-Owned Auto: occurrence form, $1,000 thousand per occurrence and $2,000 thousand aggregate, self-insured retention. The largest vehicle is 33,000 pounds GVW, 0 passengers, with 12 owned autos. The premium is $20,400. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Self-insured retention needs an approved TPA. A self-insured retention on Hired and Non-Owned Auto needs an approved third-party administrator; the submission has none.
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  • Vehicles over 26,000 pounds not eligible. Hired and Non-Owned Auto does not cover vehicles over 26,000 pounds GVW; the submission has 33,000 pounds.
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  • Owned autos not eligible. Hired and Non-Owned Auto does not cover owned or long-term leased autos; the submission has 12.
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6. Retail chain with store delivery: The agent resubmits after fixing the errors

    
The agent's request. Please submit a retail or office risk (FL, annual exposure $1,200 thousand) for Hired & Non-Owned Auto: occurrence form, $1,000 thousand per occurrence and $2,000 thousand aggregate, self-insured retention. The largest vehicle is 14,000 pounds GVW, 0 passengers, with 0 owned autos and an approved administrator. The premium is $20,400. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Submission summary. Occurrence limit 1,000 thousand dollars, aggregate 2,000 thousand dollars; minimum premium 2,500 dollars; premium 20,400 dollars.
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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 commercial casualty submission for a surplus lines broker: the line of business, the class of risk, limits, and more. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the eligibility and structure rules and returns a verdict, every reason and the figures it computed.
    2. 
      
  2. I will start with the first request by the agent.
    3. 
      
  3. The agent says. Please submit a retail or office risk (FL, annual exposure $1,200 thousand) for Hired & Non-Owned Auto: occurrence form, $1,000 thousand per occurrence and $2,000 thousand aggregate, self-insured retention. The largest vehicle is 33,000 pounds GVW, 0 passengers, with 12 owned autos. The rest of the request is on screen. The premium is $20,400.
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  4. Before it goes out, the agent calls the validator.
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  5. Blocked, with three findings, all in one answer. A self-insured retention on Hired and Non-Owned Auto needs an approved third-party administrator; the submission has none. Hired and Non-Owned Auto does not cover vehicles over 26,000 pounds GVW; the submission has 33,000 pounds. Hired and Non-Owned Auto does not cover owned or long-term leased autos; the submission has 12.
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  6. The validator returned three 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 submission are checked against each other.
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  7. What this shows: for hired and non-owned auto eligibility facts, 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 largest vehicle GVW to 14,000 lb, the owned autos to 0 and the approved administrator to yes.
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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. The validator also returns the line-item quote, on screen.
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  13. All three earlier findings are cleared, and the validator's total, $20,400, matches the submission.
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  14. Three problems caught in one call, fixed in one pass, and a clean submission. That is the value of Predictika's validator: catching mistakes before the submission goes out. Now you can try the other scenarios yourself.
    15.