Predictika · Commercial and small property submissions

An AI sales agent's property submission, checked before it goes out

An AI sales agent prepares a property submission for Kinsale Insurance: a division, a structure, a policy form, an occupancy, values by location, a limit, a deductible and the supporting documents. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of Commercial Property and Small Property appetite and returns a verdict and every reason.

Scope: Kinsale Commercial Property and Small Property submissions: structure, form, occupancy, values, limit, deductible, premium and documents. See everything this validator covers

This validator models Kinsale property submissions, not just the scenarios shown below.

  • Submission basics — location in the 50 states, a Statement of Values, five-year loss history and a stated total insured value that adds up.
  • Commercial Property — total capacity, DIC forms that must be earthquake or flood, and the usual value bands, location counts and vacancy.
  • Small Property — the value, deductible and premium floors, avoided classes, peril and form limits, and ground-up structure only.

Any Commercial Property or Small Property submission that touches these rules is in scope — not only the scenarios pictured here. Division names and appetite limits follow Kinsale's public product pages; the referral thresholds for value bands, location counts and vacant buildings are modeled and not published by Kinsale. There are no rates or prices in this validator.

The AI sales agentBuilds the property submission 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 limit cap that depends on the structureOnly with care
Each structure has its own capacity and value band, so the rule must look at the structure first.		The structure, limit and values are fields of one request and are checked together on every call.
A total insured value that must add upOnly with care
The stated total is compared with the sum of buildings, contents and business income, and the two often drift apart.		The stated value is checked against the computed sum on every call.
Small Property rules that sit beside Commercial Property rulesOnly with workarounds
Floors, avoided classes and form limits apply to one division only, so every rule needs a division test.		The division and the rule inputs are checked together on every call.
A form that is only valid with a perilOnly with care
A DIC form is acceptable only when earthquake or flood is requested, a cross-field condition.		The form and the requested perils are checked together on every call.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as a step is saved or 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 submission; approval findings need a person to sign off; everything else is computed.

    
1The insured location is outside the 50 United States; Kinsale property is written only in the 50 states.
2The submission has no Statement of Values (addresses, occupancy, construction, year built, values by location).
3The submission has no five-year loss history.
4The requested limit of $13,000K is over the $12.5M maximum total capacity for a non-excess Commercial Property placement.
5The TIV of $13,000K is above the usual $12,500K for this structure; an underwriter should review it case by case.
6DIC-only policies are not offered; a DIC form must be for earthquake or flood.
7The quote states a TIV of $5,000K; buildings, contents and business income add up to $5,500K.
8The TIV of $14,000K is above the usual $12,500K for this structure; an underwriter should review it case by case.
9The TIV of $38,000K is above the usual $35,000K for this structure; an underwriter should review it case by case.
10The usual Commercial Property placement has 1 to 20 locations; this schedule has 21.
11Excess over a state-backed program is structured differently; an underwriter should review it.
12Vacant buildings are written case by case; an underwriter should confirm terms.
13Small Property considers risks up to $5M TIV; this submission has $5,500K.
14Small Property deductibles start at $500; the quote has $250.
15Small Property has a $1,000 minimum premium; the quote has $900.
16Small Property avoids flood and earthquake; remove the peril or send it to Commercial Property.
17This occupancy is on the Small Property avoided list (apartments, recycling, salvage, sawmills, lithium-battery warehousing).
18Small Property is written on All Risk and Single Peril forms only.
19Small Property is written ground up; this quote uses a primary, quota share or excess structure.
20Cannabis grow occupancies are referred to the Agribusiness Property division.
21Small Property deductibles start at $500; the quote has $100.
22Small Property has a $1,000 minimum premium; the quote has $500.

  

  

    
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. Commercial Property basics: A Commercial Property submission outside the 50 states with documents missing, a DIC-only form and a limit over capacity

    
The agent's request. Please submit a Commercial Property ground up placement on a DIC form for 5 retail locations outside the United States: buildings $9M, contents $2.5M and business income $1.5M, a requested limit of $13M, a deductible of $25,000 and a premium of $20,000. The Statement of Values is not attached and the five-year loss history is not attached. The total insured value is $12M. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Property outside the 50 states. The insured location is outside the 50 United States; Kinsale property is written only in the 50 states.
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  • Statement of Values missing. The submission has no Statement of Values (addresses, occupancy, construction, year built, values by location).
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  • Five-year loss history missing. The submission has no five-year loss history.
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  • Requested limit over total capacity. The requested limit of $13,000K is over the $12.5M maximum total capacity for a non-excess Commercial Property placement.
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  • DIC-only policy. DIC-only policies are not offered; a DIC form must be for earthquake or flood.
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  • Stated TIV does not match. The quote states a TIV of $12,000K; buildings, contents and business income add up to $13,000K.
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  • TIV beyond the usual band for the structure. The TIV of $13,000K is above the usual $12,500K for this structure; an underwriter should review it case by case.
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2. Commercial Property basics: The agent resubmits after fixing the errors

    
The agent's request. Please submit a Commercial Property ground up placement on a All Risk form for 5 retail locations in the United States: buildings $9M, contents $2.5M and business income $1M, a requested limit of $12.5M, a deductible of $25,000 and a premium of $20,000. The Statement of Values is attached and the five-year loss history is attached. The total insured value is $12.5M. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Property summary. 5 location(s), total insured value $12,500K, requested limit $12,500K, deductible $25,000.
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3. Small Property appetite: A Small Property sawmill with an earthquake request, a low deductible and premium and an excess structure

    
The agent's request. Please submit a Small Property excess placement on a All Risk form for 1 sawmill location in the United States: buildings $800K, contents $150K and business income $50K, a requested limit of $1M, a deductible of $100 and a premium of $500, with earthquake requested. The Statement of Values is attached and the five-year loss history is attached. The total insured value is $1M. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Small Property deductible under $500. Small Property deductibles start at $500; the quote has $100.
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  • Small Property premium under $1,000. Small Property has a $1,000 minimum premium; the quote has $500.
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  • Small Property flood or earthquake. Small Property avoids flood and earthquake; remove the peril or send it to Commercial Property.
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  • Small Property avoided class. This occupancy is on the Small Property avoided list (apartments, recycling, salvage, sawmills, lithium-battery warehousing).
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  • Small Property is ground up only. Small Property is written ground up; this quote uses a primary, quota share or excess structure.
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4. Small Property appetite: The agent resubmits after fixing the errors

    
The agent's request. Please submit a Small Property ground up placement on a Single Peril form for 1 restaurant location in the United States: buildings $800K, contents $150K and business income $50K, a requested limit of $1M, a deductible of $1,000 and a premium of $4,000. The Statement of Values is attached and the five-year loss history is attached. The total insured value is $1M. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Property summary. 1 location(s), total insured value $1,000K, requested limit $1,000K, deductible $1,000.
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5. Value bands and locations: A primary placement of 24 vacant locations over the usual value band with a wrong stated value

    
The agent's request. Please submit a Commercial Property primary placement on a All Risk form for 24 vacant building locations in the United States: buildings $28M, contents $7M and business income $3M, a requested limit of $12.5M, a deductible of $25,000 and a premium of $20,000. The Statement of Values is attached and the five-year loss history is attached. The total insured value is $35M. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Stated TIV does not match. The quote states a TIV of $35,000K; buildings, contents and business income add up to $38,000K.
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  • TIV beyond the usual band for the structure. The TIV of $38,000K is above the usual $35,000K for this structure; an underwriter should review it case by case.
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  • More than 20 locations. The usual Commercial Property placement has 1 to 20 locations; this schedule has 24.
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  • Vacant building. Vacant buildings are written case by case; an underwriter should confirm terms.
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6. Value bands and locations: The agent resubmits after fixing the errors

    
The agent's request. Please submit a Commercial Property primary placement on a All Risk form for 12 retail locations in the United States: buildings $25M, contents $7M and business income $3M, a requested limit of $12.5M, a deductible of $25,000 and a premium of $20,000. The Statement of Values is attached and the five-year loss history is attached. The total insured value is $35M. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Property summary. 12 location(s), total insured value $35,000K, requested limit $12,500K, deductible $25,000.
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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 property submission for Kinsale Insurance: a division, a structure, a policy form, and more. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of Commercial Property and Small Property appetite and returns a verdict and every reason.
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  2. I will start with the first request by the agent.
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  3. The agent says. Please submit a Commercial Property ground up placement on a DIC form for 5 retail locations outside the United States: buildings $9M. The Statement of Values is not attached and the five-year loss history is not attached. The rest of the request is on screen. The total insured value is $12M.
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  4. Before it goes out, the agent calls the validator.
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  5. Blocked, with six findings and one approval, all in one answer. The insured location is outside the 50 United States; Kinsale property is written only in the 50 states. The submission has no Statement of Values (addresses, occupancy, construction, year built, values by location). The submission has no five-year loss history. The other three are on screen.
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  6. The validator returned six blocking findings and one approval 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 a limit cap that depends on the structure, 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 policy form to All Risk, the business income to $1M, the requested limit to $12.5M, the Statement of Values to attached, the five-year loss report to attached, the In the United States to yes and the stated total insured value to $12.5M.
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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 submission. That is the value of Predictika's validator: catching mistakes before the submission goes out. Now you can try the other scenarios yourself.
    14.