Predictika · Small business contractor insurance submissions
An AI sales agent prepares a coverage submission for a small contractor who wants ERGO NEXT general liability or a business owner policy, with add-ons such as umbrella, tools and equipment, cyber, professional liability and workers compensation. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the published coverage guides and returns a verdict and every reason. It computes no premium: the guides publish none.
This validator models contractor submissions against the public ERGO NEXT Contractors Coverage Guide, General Liability Coverage Guide and Umbrella/Excess Liability Coverage Guide, not just the scenarios shown below. It checks eligibility and coverage terms only; it does not compute a price.
Any contractor submission that touches these rules is in scope — not only the scenarios pictured here. Not covered: premiums and rates (the guides publish none), hired and non-owned auto, the professional-services and prior-work exclusions, and the “including but not limited to” parts of the ineligibility lists. The guides are undated, so the rules reflect them as read in October 2026.
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 |
|---|---|---|
| Limits that differ by policy type | Only with care General liability and the business owner policy each offer their own ranges for per-occurrence and aggregate limits, so a rule has to be written and kept in step for each policy type. | The policy type decides which limit ranges apply, and the limits are checked together in the same pass. |
| An add-on that needs a base policy | Only with care Umbrella and tools and equipment are add-ons to general liability or a business owner policy, so a dependency rule is needed and has to stay correct as products are added. | An add-on without a base policy is found whatever order the choices arrive in. |
| A long list of eligibility knock-outs | Only with care Claims counts and amounts, revenue, payroll, liens, convictions, location and work-type exclusions are each a separate validation rule, easy to miss one when the guide changes. | All the eligibility rules are checked on every call and every one that applies is returned. |
| Subcontractor limits compared with the policy limit | Only with workarounds The subcontractor's limit has to be compared with the policy limit chosen elsewhere in the submission, which is a cross-field rule that product rules do not express naturally. | The comparison is made against the limit actually requested, whichever field was changed last. |
| Every problem returned in one answer | Only with workarounds Rules tend to fire as the submission 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. |
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.
| 1 | Umbrella or excess liability is available only at $1 million per occurrence and aggregate or $2 million per occurrence and aggregate; the request is $3 million. |
| 2 | Tools and equipment coverage goes up to $30,000; the request is $40,000. |
| 3 | Umbrella and tools and equipment coverage are add-ons to general liability or a business owner policy; the submission has neither. |
| 4 | Workers compensation carries a minimum manual premium of $5,000 for select contractor professions; a person should confirm whether it applies to this profession. |
| 5 | The submission asks for no product; a general liability policy, a business owner policy or workers compensation is needed. |
| 6 | 3 claims in the last three years; more than 2 is an ineligible risk. |
| 7 | $25,000 in claims in the last three years; more than $20,000 is an ineligible risk. |
| 8 | Annual revenue of $6,000,000 is above the $5,000,000 limit. |
| 9 | Annual payroll of $5,500,000 is above the $5,000,000 limit. |
| 10 | Bankruptcies, tax or credit liens in the last three years make the risk ineligible. |
| 11 | An officer, owner or partner convicted of fraud, bribery, arson or an arson-related crime in the past five years makes the risk ineligible. |
| 12 | Involvement in business-related lawsuits makes the risk ineligible. |
| 13 | Awareness of losses, accidents or circumstances that might give rise to a claim makes the risk ineligible. |
| 14 | An insurer cancelling, revoking or refusing to renew coverage in the last three years, other than for non-payment, makes the risk ineligible. |
| 15 | Contractors who work in New York are not eligible. |
| 16 | Exterior work 8 feet below ground; more than 6 feet is not eligible. |
| 17 | Exterior work 35 feet above ground; more than 30 feet (3 stories) is not eligible. |
| 18 | Work on railroads, gas stations, refineries, chemical plants, airports, public utilities, hospitals, nursing homes, senior housing, military housing or student dormitories is not eligible. |
| 19 | New homes in tracts or subdivisions of more than 10 homes before a certificate of occupancy is secured are not eligible. |
| 20 | Abatement or remediation of asbestos, mold or other hazardous materials is not eligible. |
| 21 | Exterior insulation and finish systems (EIFS) work is not eligible. |
| 22 | A per-occurrence limit of $2,000,000 is outside the $500,000 to $1,000,000 available on general liability. |
| 23 | A per-occurrence limit of $250,000 is outside the $500,000 to $1,000,000 available on general liability. |
| 24 | An aggregate limit of $3,000,000 is outside the $500,000 to $2,000,000 available on general liability. |
| 25 | Business owner policy liability limits go up to $1,000,000 and $2,000,000; the request is $2,000,000 and $2,000,000. |
| 26 | Business owner policy liability limits go up to $1,000,000 and $2,000,000; the request is $1,000,000 and $3,000,000. |
| 27 | Liability coverage carries a $0 deductible; the request is for $500. |
| 28 | A total insured value of $3,500,000 is above the $3,000,000 maximum. |
| 29 | Business personal property of $750,000 is above the $500,000 maximum. |
| 30 | An all-other-perils deductible of $250 is outside the $500 to $5,000 available. |
| 31 | Cyber liability can be added up to $250,000 on general liability; the request is $500,000. |
| 32 | Professional liability can be added up to $50,000 for contractors on general liability; the request is $100,000. |
| 33 | Cyber or professional liability is requested on a business owner policy; the guides publish enhancement limits for general liability only, so a person should confirm the limits. |
| 34 | Subcontractors must carry their own general liability and name the insured as an additional insured; they do not. |
| 35 | Subcontractor general liability limits of $500,000 are below the policy limit of $1,000,000. |
| 36 | The work involves earth movement, which is excluded for most construction classes; concrete construction, landscaping and excavation are exceptions. A person should confirm the exclusion. |
| 37 | 4 claims in the last three years; more than 2 is an ineligible risk. |
| 38 | Tools and equipment coverage goes up to $30,000; the request is $50,000. |
| 39 | Subcontractor general liability limits of $500,000 are below the policy limit of $2,000,000. |
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 submit a general liability policy for a roofer in Georgia, with annual revenue of $1,800,000 and payroll of $650,000, liability limits of $2,000,000 per occurrence and $2,000,000 aggregate, plus a $3 million umbrella, $50,000 of tools and equipment cover, $500,000 of cyber liability and $100,000 of professional liability. It is ready to send.
Verdict: Blocked.
The agent's request. Please submit a general liability policy for a roofer in Georgia, with annual revenue of $1,800,000 and payroll of $650,000, liability limits of $1,000,000 per occurrence and $2,000,000 aggregate, plus a $2 million umbrella, $30,000 of tools and equipment cover, $250,000 of cyber liability and $50,000 of professional liability. It is ready to send.
Verdict: Allowed.
The agent's request. Please submit a business owner policy for a general contractor in Illinois, with annual revenue of $3,200,000 and payroll of $1,400,000, liability limits of $1,000,000 per occurrence and $2,000,000 aggregate, plus a total insured value of $3,500,000, business personal property of $750,000 and an all-other-perils deductible of $250, workers compensation and subcontractors carrying $500,000 of liability who do not name the insured as an additional insured. It is ready to send.
Verdict: Blocked.
The agent's request. Please submit a business owner policy for a general contractor in Illinois, with annual revenue of $3,200,000 and payroll of $1,400,000, liability limits of $1,000,000 per occurrence and $2,000,000 aggregate, plus a total insured value of $3,000,000, business personal property of $500,000 and an all-other-perils deductible of $500, workers compensation and subcontractors carrying $1,000,000 of liability who name the insured as an additional insured. It is ready to send.
Verdict: Needs approval.
The agent's request. Please submit a business owner policy for a general contractor in Illinois, with annual revenue of $3,200,000 and payroll of $1,400,000, liability limits of $1,000,000 per occurrence and $2,000,000 aggregate, plus a total insured value of $3,000,000, business personal property of $500,000 and an all-other-perils deductible of $500 and subcontractors carrying $1,000,000 of liability who name the insured as an additional insured. It is ready to send.
Verdict: Allowed.
The agent's request. Please submit a general liability policy for a landscaper in New York, with annual revenue of $900,000 and payroll of $300,000, liability limits of $1,000,000 per occurrence and $2,000,000 aggregate, plus 3 claims totalling $24,000 in the last three years. It is ready to send.
Verdict: Blocked.
The text of the narrated walkthrough, step by step.