Predictika · Commercial package insurance quotes

An AI sales agent's Businessowners Policy quote, checked before it goes out

An AI sales agent prepares a commercial package quote for a small or mid-sized business: a Businessowners Policy with property, liability and business income, plus the endorsements and companion coverages the customer asks for. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the eligibility and coverage rules and returns a verdict, every reason, a line-item premium and the figures it computed.

Scope: Selective Insurance Businessowners Policy (BOP) package quotes with the General Liability ElitePac Extension Endorsement, product recall expense, Cyber Liability and Data Breach Response Coverage, GreenPac, umbrella, commercial flood, management liability and related coverages. See everything this validator covers

This validator models Businessowners Policy package quotes, not just the scenarios shown below.

  • The Businessowners Policy — property, liability and business income for contractors, manufacturers, professional offices, small retail stores and private schools (automotive repair shops are quoted differently), with employee, location and property size limits, business income periods, liability limits and deductibles. Workers compensation and commercial auto are separate policies and cannot be quoted inside the BOP.
  • Endorsements and companion coverages — the General Liability ElitePac Extension Endorsement and product recall expense limits, Cyber Liability and Data Breach Response Coverage with its Consequential Reputational Loss, Telephone Fraud and Criminal Reward endorsements, GreenPac, Data Compromise, Electronic Information Systems, Identity Recovery, Crisis Response, Crime and Fidelity, Commercial Inland Marine, and abuse and molestation coverage for schools.
  • Liability and flood — umbrella limits from 1 million to 25 million dollars over an adequate liability limit, commercial flood under the National Flood Insurance Program with its building and contents caps, Directors and Officers, Employment Practices and Fiduciary liability, and Errors and Omissions.

Any Businessowners Policy package quote that touches these coverages is in scope — not only the scenarios pictured here. Not covered: other states' filed rates, workers compensation and commercial auto pricing, surety bonds and personal lines. Modeled, not published: the premiums, eligibility limits, option dependencies, credit and approval thresholds are typical for comparable commercial policies and are not Selective's rates or underwriting rules; the premiums shown are illustrative. See the fine print at the end of the page.

The AI sales agentBuilds the package quote from the conversation and says it is ready.
Predictika validatorChecks every rule at once and returns the verdict, each finding, and the computed figures.

7 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
Stated premiums that must equal the line itemsOnly with care
A stated premium is a free-entry field; a rule can compare it with a computed premium, but the premium depends on class, values, limits, deductible, credit and every added coverage.		The stated premium travels with the quote and is compared with the computed premium on every call.
Endorsements that exist only with another coverageOnly with workarounds
Cyber endorsements need cyber coverage, product recall limits need ElitePac and umbrella needs an adequate liability limit; each dependency is a separate rule that interacts with the rest.		Every choice is in one request, so a missing base coverage is found whichever order the choices arrive in.
Eligibility that depends on class and size togetherOnly with workarounds
A contractor limit of 20 employees and a manufacturer limit of 50 are different thresholds per class, each another rule to maintain.		Class, employees and locations are checked together on every call.
Limits and caps that must agree with other fieldsOnly with care
A flood building limit must stay under the cap and under the insured building value, and a coverage switch must agree with its limit.		Switches, limits, caps and values are checked together on every call.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as the quote 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.

  

  

    
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 quote; approval findings need a person to sign off; everything else is computed.

    
1A Businessowners Policy is for small and mid-sized businesses; 101 employees is outside the 1 to 100 this quote covers.
25 locations need an underwriter to review each one.
36 locations is outside the 1 to 5 locations this Businessowners Policy quote covers.
4Automotive repair shops are quoted on a general liability and property package, not a Businessowners Policy.
5A contractor with 21 employees is above the 20 employees allowed on a Businessowners Policy.
6A manufacturer with 51 employees is above the 50 employees allowed on a Businessowners Policy.
7A Businessowners Policy does not include workers compensation; it is written as a separate policy.
8A Businessowners Policy does not include commercial auto; it is written as a separate policy.
9Insured property of 61 units of 50,$0 needs an underwriter to review the values and protection.
10Insured property of 121 units of 50,$0 is outside the 1 to 120 units a Businessowners Policy covers.
11A business income period of 4 months is not available; the choices are 3, 6, 9 or 12 months.
12A general liability occurrence limit of 1,500 thousand dollars is not available; the choices are 500, 1,000 or 2,000 thousand.
13A deductible of $750 is not available; the choices are 250, 500, 1,000, 2,500 or 5,000.
14Product recall expense limits are added to the General Liability ElitePac Extension Endorsement, which is not selected.
15Product recall expense coverage is for businesses that make, assemble or distribute products; a professional office or a private school has none.
16A product recall expense limit of 75 thousand dollars is not available; the choices are 25, 50, 100, 250 or 500 thousand.
17A cyber aggregate limit of 75 thousand dollars is not available; the choices are 50, 100, 250, 500 or 1,000 thousand.
18The Cyber Liability and Data Breach Response Coverage selection and the cyber limit of 100 thousand dollars do not agree.
19The Consequential Reputational Loss, Telephone Fraud and Criminal Reward endorsements are added to Cyber Liability and Data Breach Response Coverage, which is not selected.
20A cyber aggregate limit of 1,000 thousand dollars needs a cyber underwriter to review the security controls.
21GreenPac limits start at 25 thousand dollars; the quote has 20 thousand.
22A GreenPac limit of 150 thousand dollars is above the 100 thousand this quote covers.
23An umbrella limit of 3 million dollars is not available; the choices are 1, 2, 5, 10, 15, 20 or 25 million.
24An umbrella policy sits over a general liability limit of at least 1,000 thousand dollars; the quote has 500 thousand.
25An umbrella limit of 10 million dollars needs an underwriter to review the underlying exposures.
26Commercial flood building coverage is capped at 500 thousand dollars; the quote has 501 thousand.
27Commercial flood contents coverage is capped at 500 thousand dollars; the quote has 501 thousand.
28The commercial flood selection and its building and contents limits do not agree.
29Flood building coverage of 250 thousand dollars is more than the insured building value.
30Fiduciary liability is written with Directors and Officers liability, which is not selected.
31Errors and omissions coverage is for businesses that give advice or professional services; a small retail store has none.
32Abuse and molestation coverage is offered with the private school class only.
33A schedule credit of 11 percent is above 10 percent; an underwriter should approve it.
34A schedule credit of 26 percent is above the 25 percent maximum for a quote.
35The quote states an annual premium of $7,795; the line items give $8,095.

  

  

    
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. Contractor package: Contractor Businessowners Policy with workers compensation, commercial auto and a cyber endorsement inside it

    
The agent's request. Please quote a Businessowners Policy for a contractor with 18 employees at 2 locations, insuring buildings for $800,000 and contents for $500,000, with a 6-month business income period, a general liability limit of $1,000,000, and a deductible of $2,500, with the General Liability ElitePac Extension Endorsement, the Consequential Reputational Loss endorsement, workers compensation inside the policy and commercial auto inside the policy. The schedule credit is 5 percent and the quote states an annual premium of $12,660. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Workers compensation is not part of a BOP. A Businessowners Policy does not include workers compensation; it is written as a separate policy.
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  • Commercial auto is not part of a BOP. A Businessowners Policy does not include commercial auto; it is written as a separate policy.
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  • Cyber endorsements need cyber coverage. The Consequential Reputational Loss, Telephone Fraud and Criminal Reward endorsements are added to Cyber Liability and Data Breach Response Coverage, which is not selected.
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2. Contractor package: The agent resubmits after fixing the errors

    
The agent's request. Please quote a Businessowners Policy for a contractor with 18 employees at 2 locations, insuring buildings for $800,000 and contents for $500,000, with a 6-month business income period, a general liability limit of $1,000,000, and a deductible of $2,500, with the General Liability ElitePac Extension Endorsement, Cyber Liability and Data Breach Response Coverage with a $50,000 aggregate limit and the Consequential Reputational Loss endorsement. The schedule credit is 5 percent and the quote states an annual premium of $12,710. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Order summary. BOP premium $13,200, credit $660, additional coverages $170, estimated annual premium of $12,710.
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3. Manufacturer with umbrella: Manufacturer quote with product recall, GreenPac and an umbrella over a small liability limit

    
The agent's request. Please quote a Businessowners Policy for a manufacturer with 35 employees at 1 location, insuring buildings for $1,500,000 and contents for $1,000,000, with a 6-month business income period, a general liability limit of $500,000, and a deductible of $1,000, with product recall expense coverage with a $100,000 limit, GreenPac with a $20,000 limit and an umbrella liability policy of $5,000,000. The schedule credit is 5 percent and the quote states an annual premium of $23,545. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Product recall needs ElitePac. Product recall expense limits are added to the General Liability ElitePac Extension Endorsement, which is not selected.
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  • GreenPac limit below the minimum. GreenPac limits start at 25 thousand dollars; the quote has 20 thousand.
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  • Umbrella needs a 1,000 thousand liability limit. An umbrella policy sits over a general liability limit of at least 1,000 thousand dollars; the quote has 500 thousand.
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4. Manufacturer with umbrella: The agent resubmits after fixing the errors

    
The agent's request. Please quote a Businessowners Policy for a manufacturer with 35 employees at 1 location, insuring buildings for $1,500,000 and contents for $1,000,000, with a 6-month business income period, a general liability limit of $500,000, and a deductible of $1,000, with the General Liability ElitePac Extension Endorsement, product recall expense coverage with a $100,000 limit, GreenPac with a $25,000 limit and an umbrella liability policy of $5,000,000. The schedule credit is 5 percent and the quote states an annual premium of $24,125. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Umbrella needs a 1,000 thousand liability limit. An umbrella policy sits over a general liability limit of at least 1,000 thousand dollars; the quote has 500 thousand.
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5. Manufacturer with umbrella: The agent resubmits after fixing the errors

    
The agent's request. Please quote a Businessowners Policy for a manufacturer with 35 employees at 1 location, insuring buildings for $1,500,000 and contents for $1,000,000, with a 6-month business income period, a general liability limit of $1,000,000, and a deductible of $1,000, with the General Liability ElitePac Extension Endorsement, product recall expense coverage with a $100,000 limit, GreenPac with a $25,000 limit and an umbrella liability policy of $5,000,000. The schedule credit is 5 percent and the quote states an annual premium of $24,315. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Order summary. BOP premium $23,200, credit $1,160, additional coverages $2,275, estimated annual premium of $24,315.
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6. Retailer with flood: Three-location retailer with flood above the cap, a 15 percent credit and a premium that does not match

    
The agent's request. Please quote a Businessowners Policy for a small retail store with 15 employees at 3 locations, insuring buildings for $1,200,000 and contents for $600,000, with a 6-month business income period, a general liability limit of $1,000,000, and a deductible of $1,000, with the General Liability ElitePac Extension Endorsement, Cyber Liability and Data Breach Response Coverage with a $100,000 aggregate limit and commercial flood coverage with $600,000 on the building and $150,000 on contents. The schedule credit is 15 percent and the quote states an annual premium of $14,155. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Flood building limit above the maximum. Commercial flood building coverage is capped at 500 thousand dollars; the quote has 600 thousand.
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  • Stated premium does not match. The quote states an annual premium of $14,155; the line items give $14,035.
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  • Credit needs approval. A schedule credit of 15 percent is above 10 percent; an underwriter should approve it.
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7. Retailer with flood: The agent resubmits after fixing the errors

    
The agent's request. Please quote a Businessowners Policy for a small retail store with 15 employees at 3 locations, insuring buildings for $1,200,000 and contents for $600,000, with a 6-month business income period, a general liability limit of $1,000,000, and a deductible of $1,000, with the General Liability ElitePac Extension Endorsement, Cyber Liability and Data Breach Response Coverage with a $100,000 aggregate limit and commercial flood coverage with $500,000 on the building and $150,000 on contents. The schedule credit is 10 percent and the quote states an annual premium of $14,410. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Order summary. BOP premium $13,500, credit $1,350, additional coverages $2,260, estimated annual premium of $14,410.
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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 package quote for a small or mid-sized business: a Businessowners Policy with property, liability and business income, plus the endorsements and companion coverages the customer asks for. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the eligibility and coverage rules and returns a verdict, every reason, a line-item premium and the figures it computed.
    2. 
      
  2. I will start with the first request by the agent.
    3. 
      
  3. The agent says. Please quote a Businessowners Policy for a manufacturer with 35 employees at 1 location, insuring buildings for $1,500,000 and contents for $1,000,000. The schedule credit is 5 percent and the quote states an annual premium of $23,545. The rest of the request is on screen.
    4. 
      
  4. Before it goes out, the agent calls the validator.
    5. 
      
  5. Blocked, with three findings, all in one answer. Product recall expense limits are added to the General Liability ElitePac Extension Endorsement, which is not selected. GreenPac limits start at 25 thousand dollars; the quote has 20 thousand. An umbrella policy sits over a general liability limit of at least 1,000 thousand dollars; the quote has 500 thousand.
    6. 
      
  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 quote are checked against each other.
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  7. What this shows: for limits and caps that must agree with other fields, 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 additional coverages to the General Liability ElitePac Extension Endorsement, product recall expense coverage with a $100,000 limit, GreenPac with a $25,000 limit and an umbrella liability policy of $5,000,000 and the stated annual premium to $24,125.
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  10. It calls the validator again.
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  11. Still blocked, with one finding, all in one answer. An umbrella policy sits over a general liability limit of at least 1,000 thousand dollars; the quote has 500 thousand.
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  12. Two findings cleared. Still blocking: umbrella needs a 1,000 thousand liability limit.
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  13. The agent resubmits once more.
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  14. The revised request. It changes the general liability limit to $1,000,000 and the stated annual premium to $24,315.
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  15. It calls the validator once more.
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  16. This time the validator clears it.
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  17. The validator also returns the line-item quote. It starts with Property and Liability; the other four lines are on screen.
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  18. The earlier finding is cleared, and the validator's total, $24,315, matches the quote.
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  19. Three problems caught in one call, fixed in two passes, and a clean $24,315 quote. That is the value of Predictika's validator: catching mistakes before they reach the customer. Now you can try the other scenarios yourself.
    20.