Predictika · Specialty insurance submissions
An AI sales agent prepares a wholesale submission for a contractor: primary general liability or excess liability, with limits, policy type, retention and a stated premium. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the contractors liability rules and returns a verdict and every reason.
This validator models contractors liability submissions in the style of RLI Commercial Casualty, not just the scenarios shown below.
Any contractors liability quote that touches these rules is in scope — not only the scenarios pictured here. The limits of 1 million and 2 million (primary) and 10 million (excess), the non-admitted wholesale distribution through appointed brokers, the contractor classes, demolition up to three stories and the underlying-coverage rules for excess come from public RLI pages. Premium rates, retention credits, the minimum premium, the home builder start cap on primary policies, the roofing exclusion and the approval thresholds are modeled from comparable products and are not published by RLI; premium figures on this page are illustrative.
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 |
|---|---|---|
| Excess that needs scheduled underlying general liability | Only with care Excess over auto liability alone has to be excluded by a rule that looks at which underlying policies were entered, and the underlying limit is a separate check. | Coverage, underlying policies and the underlying limit are fields of one request and checked together on every call. |
| A class that is acceptable for primary but not for excess | Only with care Each class needs separate product rules per coverage line, and the list grows with every trade. | The class and the coverage line are in one request, so an HVAC artisan is stopped for excess and accepted for primary. |
| Limits where the aggregate may never be below the occurrence limit | Only with care Two linked numbers need a cross-field validation rule, and the allowed maximums differ for primary and excess. | Occurrence limit, aggregate and coverage line are compared together on every call. |
| A stated premium that must equal the rated premium, with retention credits | Only with workarounds Credits, minimums and the excess formula sit in price rules, and a premium typed or pasted elsewhere is rarely compared with the rated one. | The stated premium is a field of the request and is compared with the rated premium on every call. |
| 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 broker 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 | RLI sells this product only through an agent or broker; a direct contractor request cannot be quoted. |
| 2 | The submitting broker is not appointed with RLI Commercial Casualty. |
| 3 | Roofing is not among the contractor classes this model accepts. |
| 4 | Primary general liability is limited to 1 million per occurrence and 2 million aggregate; the quote asks for 2 and 2. |
| 5 | Primary general liability is limited to 1 million per occurrence and 2 million aggregate; the quote asks for 1 and 3. |
| 6 | Excess liability is limited to 10 million per occurrence and 10 million aggregate; the quote asks for 11 and 11. |
| 7 | A 10 million excess limit depends on the individual risk; an underwriter should confirm. |
| 8 | The aggregate limit (4 million) is below the per-occurrence limit (5 million). |
| 9 | Demolition contractors are accepted up to three stories; the job is 4 stories. |
| 10 | Single-family homebuilders are accepted with a limited number of new starts; this model allows 10 a year and the quote shows 11. |
| 11 | Excess liability is written over scheduled underlying general liability; excess over auto liability alone is not offered. |
| 12 | The underlying general liability limit is 0 million per occurrence; excess attaches over at least 1 million. |
| 13 | Excess liability for artisan contractors is limited to medium and low hazard trades; HVAC service is not among them in this model. |
| 14 | A multi-year project policy of 2 years needs underwriter review. |
| 15 | A practice policy is annual; multi-year terms are for project-specific policies. The quote asks for 2 years. |
| 16 | A self-insured retention of 50 thousand dollars is a customized program; an underwriter should approve it. |
| 17 | Annual receipts of 60,000 thousand dollars exceed 50 million; refer to an underwriter. |
| 18 | The quote states a premium of 1 dollars; the rating gives 48,000 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 quote primary general liability for a residential homebuilder with annual receipts of 6,000,000 dollars, a limit of 2 million per occurrence and 1 million aggregate, on a 3-year practice policy through a wholesale broker, with 14 new starts, with a retention of 10 thousand dollars, with a premium of 121,440 dollars. It is ready to send.
Verdict: Blocked.
The agent's request. Please quote primary general liability for a residential homebuilder with annual receipts of 6,000,000 dollars, a limit of 1 million per occurrence and 2 million aggregate, on a 1-year practice policy through a wholesale broker, with 10 new starts, with a retention of 10 thousand dollars, with a premium of 121,440 dollars. It is ready to send.
Verdict: Allowed.
The agent's request. Please quote excess liability for an HVAC artisan contractor with annual receipts of 3,500,000 dollars, a limit of 5 million per occurrence and 5 million aggregate, on a 1-year practice policy through a wholesale broker, over underlying auto liability, with a premium of 78,750 dollars. It is ready to send.
Verdict: Blocked.
The agent's request. Please quote primary general liability for an HVAC artisan contractor with annual receipts of 3,500,000 dollars, a limit of 1 million per occurrence and 2 million aggregate, on a 1-year practice policy through a wholesale broker, with a retention of 5 thousand dollars, with a premium of 59,850 dollars. It is ready to send.
Verdict: Allowed.
The agent's request. Please quote excess liability for a demolition contractor with annual receipts of 3,000,000 dollars, a limit of 10 million per occurrence and 10 million aggregate, on a 1-year practice policy through a wholesale broker, for a building of 4 stories, over underlying general liability and auto liability, with a premium of 236,250 dollars. It is ready to send.
Verdict: Blocked.
The agent's request. Please quote excess liability for a demolition contractor with annual receipts of 3,000,000 dollars, a limit of 8 million per occurrence and 8 million aggregate, on a 1-year practice policy through a wholesale broker, for a building of 3 stories, over underlying general liability and auto liability, with a premium of 210,000 dollars. It is ready to send.
Verdict: Allowed.
The text of the narrated walkthrough, step by step.