Predictika · Specialty insurance

An AI agent's professional liability submission, checked before it goes out

An AI sales agent prepares a professional lines submission for a broker: the product line, the class of insured, primary or excess, admitted or non-admitted paper, the limit, the premium, and the size and age of the insured. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the capacity, minimum premiums, eligibility thresholds and target classes on Skyward Specialty's public Professional Lines marketing sheet and returns a verdict and every reason.

Scope: Seven Professional Lines product lines (miscellaneous professional liability, excess lawyers, employed lawyers, technology E&O, life sciences, management liability, financial institutions): capacity, minimum premium, eligibility thresholds and listed target classes. See everything this validator covers

This validator models a professional lines submission against the public Skyward Specialty Professional Lines marketing sheet (Rev 6.25), not just the scenarios shown below.

  • Capacity and minimum premium — the requested limit against the $5M of capacity the sheet states (Excess Lawyers states none), and the premium against the minimum premium the sheet states for Technology E&O and Management Liability.
  • Excess Lawyers eligibility — the placement must sit excess, over a carrier rated A- or better, for a firm of 3 to 350 attorneys that has been in business at least three years.
  • Paper and company size — Life Sciences is non-admitted on the sheet; primary Management Liability targets private companies with assets and revenue under $2B and 3,000 or fewer employees, and non-profits with assets under $250M and 500 or fewer employees.
  • Target classes — a class the sheet does not list for the product line goes to a person to confirm appetite with Skyward Specialty.

Any submission that touches these rules is in scope — not only the scenarios pictured here. Not covered: prices or rates (the sheet states none, so this page shows no price build-up), the target premium ranges, state availability, hazardous practice areas, the other Skyward Specialty sheets and products, and any edition other than the one named.

The AI sales agentPrepares the submission from the broker's information and says it is ready to send.
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
Limit and minimum premium that depend on the product lineOnly with care
Capacity and minimum premium differ by product line, so a rules-based CPQ needs a rule per line and an edit for each sheet revision.		The product line selects the capacity and minimum on every call, in any order the choices arrive.
Excess Lawyers eligibility: position, carrier rating, firm size, years in businessOnly with workarounds
Four independent conditions apply only to one product line.		All four are checked together on every call and returned in one answer.
Size thresholds for primary management liabilityOnly with care
The thresholds differ for private companies and non-profits and combine assets, revenue and employees with an or.		The class, position and the three sizes are compared on every call.
Classes the sheet lists for each product lineOnly with workarounds
Each product line has its own list, and a class outside the list is not an error but a question for a person.		An unlisted class returns needs_approval; a block always outranks it.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as the quote is saved or 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.

  

  

    
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.

    
1The requested limit of 5,001 thousand dollars is above the $5M of capacity the sheet states for this product line.
2The premium of 2,499 dollars is below the minimum premium of 2,500 dollars the sheet states for this product line.
3The insured class is not one of the target classes the sheet lists for this product line; a person should confirm appetite with Skyward Specialty.
4The requested limit of 6,000 thousand dollars is above the $5M of capacity the sheet states for this product line.
5The Excess Lawyers product line sits excess of other carriers; a primary placement is not offered under it.
6Excess Lawyers will only sit excess of carriers rated A- or better.
7Excess Lawyers is for firms with 3 to 350 attorneys; the firm has 351.
8Excess Lawyers is for firms with 3 to 350 attorneys; the firm has 2.
9Excess Lawyers takes no startup firms and requires at least three years in business; the firm has 2.
10The Life Sciences coverage on the sheet is non-admitted; an admitted placement is not offered.
11The premium of 9,999 dollars is below the minimum premium of 10,000 dollars the sheet states for this product line.
12For primary management liability the sheet targets private companies with assets and revenue under $2B and 3,000 or fewer employees; this company has 500 million in assets, 400 million in revenue and 3,001 employees.
13For primary management liability the sheet targets private companies with assets and revenue under $2B and 3,000 or fewer employees; this company has 2,000 million in assets, 400 million in revenue and 1,200 employees.
14For primary management liability the sheet targets private companies with assets and revenue under $2B and 3,000 or fewer employees; this company has 500 million in assets, 2,000 million in revenue and 1,200 employees.
15For primary management liability the sheet targets non-profits with total assets under $250M and 500 or fewer employees; this one has 250 million in assets and 100 employees.
16For primary management liability the sheet targets non-profits with total assets under $250M and 500 or fewer employees; this one has 100 million in assets and 501 employees.
17Excess Lawyers is for firms with 3 to 350 attorneys; the firm has 400.
18Excess Lawyers takes no startup firms and requires at least three years in business; the firm has 1.

  

  

    
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. Excess Lawyers eligibility: Excess Lawyers for a large, young firm over a B+ carrier

    
The agent's request. Please submit excess lawyers professional liability for an insured of class EL LawFirm, placed excess on admitted paper, with a limit of $5,000 thousand and a premium of $60,000. The insured has 400 attorneys, has been in business 2 years, has $50 million in assets, $50 million in revenue and 200 employees. The underlying carrier is rated A- or better: no. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Underlying carrier rating below A-. Excess Lawyers will only sit excess of carriers rated A- or better.
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  • Firm size outside 3 to 350 attorneys. Excess Lawyers is for firms with 3 to 350 attorneys; the firm has 400.
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  • Law firm in business under three years. Excess Lawyers takes no startup firms and requires at least three years in business; the firm has 2.
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2. Excess Lawyers eligibility: The agent resubmits after fixing the errors

    
The agent's request. Please submit excess lawyers professional liability for an insured of class EL LawFirm, placed excess on admitted paper, with a limit of $5,000 thousand and a premium of $60,000. The insured has 120 attorneys, has been in business 12 years, has $50 million in assets, $50 million in revenue and 200 employees. The underlying carrier is rated A- or better: yes. It is ready to send.

    
Verdict: Allowed.

    
3. Capacity and minimum premium: Technology E&O for a software developer at $6M and a $2,000 premium

    
The agent's request. Please submit technology E&O for an insured of class TE SoftwareDevelopers, placed primary on non-admitted paper, with a limit of $6,000 thousand and a premium of $2,000. The insured has 50 attorneys, has been in business 10 years, has $50 million in assets, $50 million in revenue and 200 employees. The underlying carrier is rated A- or better: yes. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Limit above the capacity the sheet states. The requested limit of 6,000 thousand dollars is above the $5M of capacity the sheet states for this product line.
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  • Premium below the stated minimum. The premium of 2,000 dollars is below the minimum premium of 2,500 dollars the sheet states for this product line.
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4. Capacity and minimum premium: The agent resubmits after fixing the errors

    
The agent's request. Please submit technology E&O for an insured of class TE SoftwareDevelopers, placed primary on non-admitted paper, with a limit of $5,000 thousand and a premium of $4,800. The insured has 50 attorneys, has been in business 10 years, has $50 million in assets, $50 million in revenue and 200 employees. The underlying carrier is rated A- or better: yes. It is ready to send.

    
Verdict: Allowed.

    
5. Management liability size and class: Primary management liability for a large private company

    
The agent's request. Please submit management liability for an insured of class ML PrivateCompany, placed primary on non-admitted paper, with a limit of $3,000 thousand and a premium of $8,000. The insured has 50 attorneys, has been in business 10 years, has $3,500 million in assets, $2,800 million in revenue and 5,200 employees. The underlying carrier is rated A- or better: yes. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Premium below the stated minimum. The premium of 8,000 dollars is below the minimum premium of 10,000 dollars the sheet states for this product line.
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  • Private company larger than the primary target. For primary management liability the sheet targets private companies with assets and revenue under $2B and 3,000 or fewer employees; this company has 3,500 million in assets, 2,800 million in revenue and 5,200 employees.
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6. Management liability size and class: The agent resubmits after fixing the errors

    
The agent's request. Please submit management liability for an insured of class Other Class, placed excess on non-admitted paper, with a limit of $3,000 thousand and a premium of $30,000. The insured has 50 attorneys, has been in business 10 years, has $3,500 million in assets, $2,800 million in revenue and 5,200 employees. The underlying carrier is rated A- or better: yes. It is ready to send.

    
Verdict: Needs approval.

    
    
      
  • Class not listed for this product line. The insured class is not one of the target classes the sheet lists for this product line; a person should confirm appetite with Skyward Specialty.
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7. Management liability size and class: The agent resubmits after fixing the errors

    
The agent's request. Please submit management liability for an insured of class ML NonProfit, placed primary on non-admitted paper, with a limit of $3,000 thousand and a premium of $30,000. The insured has 50 attorneys, has been in business 10 years, has $200 million in assets, $150 million in revenue and 300 employees. The underlying carrier is rated A- or better: yes. It is ready to send.

    
Verdict: Allowed.

  

  

    
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 professional lines submission for a broker: the product line, the class of insured, primary or excess, and more. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the capacity, minimum premiums, eligibility thresholds and target classes on Skyward Specialty's public Professional Lines marketing sheet and returns a verdict and every reason.
    2. 
      
  2. I will start with the first request by the agent.
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  3. The agent says. Please submit excess lawyers professional liability for an insured of class EL LawFirm, placed excess on admitted paper, with a limit of $5,000 thousand and a premium of $60,000. The insured has 400 attorneys, has been in business 2 years, has $50 million in assets, $50 million in revenue and 200 employees. The rest of the request is on screen.
    4. 
      
  4. Before it goes out, the agent calls the validator.
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  5. Blocked, with three findings, all in one answer. Excess Lawyers will only sit excess of carriers rated A- or better. Excess Lawyers is for firms with 3 to 350 attorneys; the firm has 400. Excess Lawyers takes no startup firms and requires at least three years in business; the firm has 2.
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  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 excess Lawyers eligibility: position, carrier rating, firm size, years in business, a rules-based CPQ can do this only with workarounds.
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  8. Now the agent resubmits.
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  9. The corrected request. It changes the attorneys to 120, the years in business to 12 and the underlying carrier rated A- or better to yes.
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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 three earlier findings are cleared.
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  13. Three problems caught in one call, fixed in one pass, and a clean quote. That is the value of Predictika's validator: catching mistakes before they reach the customer. Now you can try the other scenarios yourself.
    14.