Predictika · Specialty commercial lines
An AI agent prepares a request for a small-business specialty policy: the class of business, the general liability limits, the property and package choices, and any excess liability over the primary policy. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the limits, eligibility conditions and underlying requirements stated on the public Penn-America product pages and returns a verdict and every reason. It produces no premium: Penn-America publishes none.
This validator models one request at a time for these seven Penn-America products, based only on the seven public product pages, and handles any request that involves them, not just the scenarios shown below.
Any request that touches these rules is in scope — not only the scenarios pictured here. Not covered: premiums and rates (Penn-America publishes none), class codes, state filings and availability beyond what the pages state, deductibles other than the cannabis property minimum, and the other Penn-America products and the more than 1,000 classes the company says it writes. The product pages are marketing summaries, not policy forms.
7 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 condition that applies to one class only (Colorado for contractors, 70 percent vacant, no retreading, licensed retail cannabis) | Only with care A validation rule per class and per condition, each written and kept in step with the product pages. | Class and condition are fields in the request and every condition is checked on every call. |
| Underlying requirements on another carrier's policy for excess (rating, ISO form, minimum limits on general, employers and professional liability, no liquor) | Only with workarounds A request models Penn-America's own policy; the facts about someone else's primary policy have to be bolted on as extra questions and rules. | The underlying carrier, form and limits are fields in the request and are checked against the published minimums together. |
| Packages the product does not allow (cannabis property or products liability on its own, minimum deductible, no outdoor plants) | Only with care Dependent rules between coverage selections that are easy to miss when a package is edited. | The coverage selections are checked together whichever order they arrive in. |
| A figure the agent states that must equal the published one (contractors lost key coverage) | Only with care The stated figure is rarely a field, so it is not compared. | The stated figure is a field in the request, compared on every call. |
| Where the pages are silent (excess on a class they do not mention, increased limits in an unnamed state) | Only with workarounds A rule either blocks or lets it through; sending it to a person needs an approval step built separately. | The validator returns needs approval with the reason, and a person signs off. |
| Every problem returned in one answer | Only with workarounds Rules tend to fire as 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 request; approval findings need a person to sign off; everything else is computed.
| 1 | The Penn-America contractors page states that coverage is not available in Colorado. |
| 2 | The contractors page lists increased limits up to 3,000,000 dollars in most states and does not say which states; a person should confirm availability for this one. |
| 3 | The contractors page lists general liability up to 3,000,000 dollars per occurrence with a policy general aggregate of at most 5,000,000 dollars; the request has 4,000,000 dollars per occurrence and 4,000,000 dollars aggregate. |
| 4 | The contractors page lists general liability up to 3,000,000 dollars per occurrence with a policy general aggregate of at most 5,000,000 dollars; the request has 3,000,000 dollars per occurrence and 6,000,000 dollars aggregate. |
| 5 | The request states lost key coverage of 15,000 dollars; the contractors coverage enhancement lists lost key coverage of 10,000 dollars. |
| 6 | The product page lists general liability up to 1,000,000 dollars per occurrence and 2,000,000 dollars aggregate for this class; the request has 2,000,000 dollars per occurrence and 4,000,000 dollars aggregate. |
| 7 | The product page lists general liability up to 1,000,000 dollars per occurrence and 2,000,000 dollars aggregate for this class; the request has 1,000,000 dollars per occurrence and 3,000,000 dollars aggregate. |
| 8 | The product page lists general liability up to 1,000,000 dollars per occurrence and 2,000,000 dollars aggregate for this class; the request has 2,000,000 dollars per occurrence and 2,000,000 dollars aggregate. |
| 9 | The product page lists general liability up to 5,000,000 dollars per occurrence and 5,000,000 dollars aggregate; the request has 6,000,000 dollars per occurrence and 5,000,000 dollars aggregate. |
| 10 | The vacants product is for buildings that are at least 70 percent vacant; the request has a building 60 percent vacant. |
| 11 | The vacants product is written on 3, 6 or 12 month terms; the request asks for 9 months. |
| 12 | The vacants page lists business personal property only for risks not undergoing renovation; the request includes it for a building under renovation. |
| 13 | The habitational page lists single and multi-family dwellings, apartments, mixed use apartments and condominium and townhome associations; this property type is not among them, so a person should confirm. |
| 14 | The auto repair and service page lists tire dealers with no retreading or recapping; the request retreads or recaps. |
| 15 | The auto repair and service page lists damage to customers vehicles up to 500,000 dollars per event and 150,000 dollars per auto; the request has 600,000 dollars per event and 100,000 dollars per auto. |
| 16 | The auto repair and service page lists damage to customers vehicles up to 500,000 dollars per event and 150,000 dollars per auto; the request has 300,000 dollars per event and 200,000 dollars per auto. |
| 17 | The tattoo and body piercing page lists professional liability up to 1,000,000 dollars each claim and 1,000,000 dollars aggregate; the request has 2,000,000 dollars. |
| 18 | The product page lists damage to premises rented to you up to 500,000 dollars for any one premises; the request has 750,000 dollars. |
| 19 | The cannabis page states that coverage is available only in states where medical and/or recreational cannabis is legal. |
| 20 | The cannabis page states that all facilities must be licensed to operate and sell or distribute cannabis products directly to consumers. |
| 21 | The cannabis target classes are cannabis and CBD dispensaries, retail exposures only; a cultivation or other non-retail operation is not among them. |
| 22 | The cannabis page states that monoline products and completed operations liability is not available. |
| 23 | The cannabis page states that monoline property is not available. |
| 24 | The cannabis page lists property with a minimum deductible of 1,000 dollars; the request has 500 dollars. |
| 25 | The cannabis page states that business personal property excludes outdoor plants. |
| 26 | The cannabis page lists medical payments up to 5,000 dollars for any one person; the request has 10,000 dollars. |
| 27 | The cannabis page offers theft on a sublimit basis if a monitored central station alarm and other safeguards are evident; no such alarm is shown, so a person should confirm. |
| 28 | The product page lists damage to premises rented to you up to 500,000 dollars for any one premises; the request has 600,000 dollars. |
| 29 | Penn-America writes excess liability subject to a 5,000,000 dollar coverage tower; the request is for 6,000,000 dollars of excess. |
| 30 | The auto repair and service page states that increased limits and excess liability coverage are not available. |
| 31 | The cannabis page states that excess and umbrella limits are not available. |
| 32 | Supported excess liability attaches over a Penn-America primary policy; the underlying general liability is with another carrier. |
| 33 | Unsupported excess liability attaches over a Penn-America (GBLI) policy or another A- VII rated carrier; the underlying general liability carrier is not. |
| 34 | The underlying coverage must be written on a standard ISO coverage form (for example CG1 or CA1) to be acceptable. |
| 35 | The excess liability page allows excess over auto, employers or professional liability provided the excess over general liability is covered; the request has no underlying general liability. |
| 36 | Underlying general liability must be at least 2,000,000 dollars general aggregate and 1,000,000 dollars each for occurrence, products and completed operations, and personal and advertising; the request has 1,000,000 aggregate, 1,000,000 occurrence, 1,000,000 products and completed operations and 1,000,000 personal and advertising. |
| 37 | Underlying general liability must be at least 2,000,000 dollars general aggregate and 1,000,000 dollars each for occurrence, products and completed operations, and personal and advertising; the request has 2,000,000 aggregate, 500,000 occurrence, 1,000,000 products and completed operations and 1,000,000 personal and advertising. |
| 38 | Underlying general liability must be at least 2,000,000 dollars general aggregate and 1,000,000 dollars each for occurrence, products and completed operations, and personal and advertising; the request has 2,000,000 aggregate, 1,000,000 occurrence, 500,000 products and completed operations and 1,000,000 personal and advertising. |
| 39 | Underlying general liability must be at least 2,000,000 dollars general aggregate and 1,000,000 dollars each for occurrence, products and completed operations, and personal and advertising; the request has 2,000,000 aggregate, 1,000,000 occurrence, 1,000,000 products and completed operations and 500,000 personal and advertising. |
| 40 | Underlying miscellaneous professional liability must be written by a GBLI company. |
| 41 | Underlying miscellaneous professional liability must be at least 1,000,000 dollars each claim and 1,000,000 dollars aggregate; the request has 500,000 dollars. |
| 42 | Underlying employers liability must be with a GBLI company or another A- VII rated carrier. |
| 43 | Underlying employers liability must be at least 500,000 dollars for bodily injury, policy limit and each employee; the request has 250,000 dollars. |
| 44 | The excess liability page lists liquor liability as not available as underlying coverage. |
| 45 | The contractors page lists general liability up to 3,000,000 dollars per occurrence with a policy general aggregate of at most 5,000,000 dollars; the request has 4,000,000 dollars per occurrence and 2,000,000 dollars aggregate. |
| 46 | The request states lost key coverage of 12,000 dollars; the contractors coverage enhancement lists lost key coverage of 10,000 dollars. |
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 coverage request for Penn-America contractors coverage for a residential remodeler. General liability limits are $1,000,000 per occurrence and $2,000,000 aggregate. The request shows lost key coverage of $15,000. Add $4,000,000 of unsupported excess liability over a primary policy with another A- VII rated carrier. The underlying general liability, on a standard ISO form, has $1,000,000 aggregate, $1,000,000 each occurrence, $1,000,000 products and completed operations and $1,000,000 personal and advertising. Underlying employers liability of $500,000 is with a carrier that is not A- VII rated. It is ready to send.
Verdict: Blocked.
The agent's request. Please submit a coverage request for Penn-America contractors coverage for a residential remodeler. General liability limits are $1,000,000 per occurrence and $2,000,000 aggregate. The request shows lost key coverage of $10,000. Add $4,000,000 of unsupported excess liability over a primary policy with another A- VII rated carrier. The underlying general liability, on a standard ISO form, has $2,000,000 aggregate, $1,000,000 each occurrence, $1,000,000 products and completed operations and $1,000,000 personal and advertising. Underlying employers liability of $500,000 is with another A- VII rated carrier. It is ready to send.
Verdict: Allowed.
The agent's request. Please submit a coverage request for a vacant building that is 55 percent vacant and under renovation, on a 9 month term. General liability limits are $5,000,000 per occurrence and $5,000,000 aggregate. Include business personal property. It is ready to send.
Verdict: Blocked.
The agent's request. Please submit a coverage request for a vacant building that is 85 percent vacant and under renovation, on a 12 month term. General liability limits are $5,000,000 per occurrence and $5,000,000 aggregate. Do not include business personal property. It is ready to send.
Verdict: Allowed.
The agent's request. Please submit a coverage request for a licensed medical cannabis dispensary (retail only). Do not include premises liability. Medical payments are $5,000 and damage to premises rented is $250,000. Include property with a $500 deductible, including the outdoor plants. Include theft. It is ready to send.
Verdict: Blocked.
The agent's request. Please submit a coverage request for a licensed medical cannabis dispensary (retail only). General liability limits are $1,000,000 per occurrence and $2,000,000 aggregate. Medical payments are $5,000 and damage to premises rented is $250,000. Include property with a $1,000 deductible, not including outdoor plants. Include theft. It is ready to send.
Verdict: Needs approval.
The agent's request. Please submit a coverage request for a licensed medical cannabis dispensary (retail only). General liability limits are $1,000,000 per occurrence and $2,000,000 aggregate. Medical payments are $5,000 and damage to premises rented is $250,000. Include property with a $1,000 deductible, not including outdoor plants. Include theft with a monitored central station alarm. It is ready to send.
Verdict: Allowed.
The text of the narrated walkthrough, step by step.