Predictika · SME business insurance quotes

An AI sales agent's business insurance quote, checked before it goes out

An AI sales agent prepares a yearly quote for Tryg Erhvervsforsikring, the Danish business insurance for small and medium-sized companies, with an industry, insured stock, IT equipment and machinery, revenue, modules such as Tyveri, Driftstab and Erhvervs- og produktansvar, add-ons such as Maskin- og it-udstyr, Avancetab, Kølemedie and Cybersvindel, a tyverisikring security level, Netbanktyveri and TryghedsGaranti amounts, and a stated premium. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the modules and quote rules and returns a verdict, every reason and the premium it computed.

Scope: Tryg Erhvervsforsikring quotes: modules and add-ons, the tyverisikring security level for the insured values, Netbanktyveri and TryghedsGaranti limits, referrals and the stated premium. See everything this validator covers

This validator models Tryg Erhvervsforsikring quotes, not just the scenarios shown below.

  • Security level and limits — the tyverisikring level that the stock and IT values require for theft cover, and the 5 million kroner limits on Netbanktyveri and TryghedsGaranti.
  • Module and add-on dependencies — Avancetab, which needs Driftstab, IT outside the premises, which needs Maskin- og it-udstyr, Kølemedie for shops and restaurants only, Cybersvindel, which needs IT equipment, and Netbanktyveri, which needs the Tyveri module.
  • Referrals and premium — the large-business referral by revenue, the liability sum that needs an underwriter, and the yearly premium the quote states, which must match the premium computed from the modules.

Any Erhvervsforsikring quote that touches these rules is in scope — not only the scenarios pictured here. Not covered: Europaforsikringen, Arbejdsskade, stand-alone Cyber, vehicles and health, and deductibles. The module and add-on names, the security levels 10 to 60 and the 5 million kroner limits are public (tryg.dk); the premiums, the value thresholds for each security level, the add-on dependencies and the referral thresholds are modeled from comparable products and are not published by Tryg, so all figures are illustrative.

The AI sales agentBuilds the business insurance 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.

6 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
A security level that depends on the insured valuesOnly with care
The theft cover needs a higher tyverisikring level as the stock and IT values rise, so the values must be summed and mapped to a level on every quote.		The stock, IT values and quoted level are all in the request, so the required level is computed and compared on every call.
Limits on two covers that apply only with a given moduleOnly with care
Netbanktyveri and TryghedsGaranti each have a 5 million kroner limit, and Netbanktyveri also needs the Tyveri module.		The amounts and the modules are in the request, so both the limits and the dependency are checked on every call.
Add-ons that depend on a module, another add-on or the industryOnly with workarounds
Avancetab needs Driftstab, IT outside the premises needs Maskin- og it-udstyr and Kølemedie is for shops and restaurants only, so each add-on has a different dependency.		The industry, modules and add-ons are all in the request, so every dependency is checked on every call.
An add-on that needs something to be insuredOnly with workarounds
Cybersvindel needs IT equipment on the policy and Inventarglas needs insured contents, so each rule must look at the insured values.		The insured values and the add-ons are in the request, so the rules are evaluated on every call.
Referrals triggered by revenue and by liability sumOnly with workarounds
Revenue over 100 million kroner goes to the large-business team and a liability sum over 20 million needs an underwriter, and one quote can trigger both.		Each condition is evaluated on every call and returns its own approval request, together with every other finding.
A stated premium that must match the computed premiumOnly with workarounds
The premium is built from the industry rates, insured values, modules, revenue and add-ons, so a separate rule must recompute it and compare it with the stated figure.		The stated premium is a field of the request and is compared with the computed premium on every call, together with every other finding.

  

  

    
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 stock and IT value of 1,000 thousand DKK needs tyverisikring level 20 or higher for theft cover; the quote has level 10.
2Netbanktyveri is covered up to 5 mio. kr.; the quote asks for 5,001 thousand DKK.
3Netbanktyveri comes with the theft cover (Tyveri); the quote has no Tyveri module.
4TryghedsGaranti covers unreported changes up to 5 mio. kr.; the quote reports 5,001 thousand DKK of increase.
5The Avancetab add-on needs the Driftstab/meromkostninger module.
6Maskin- og it-udstyr uden for forsikringsstedet needs the Maskin- og it-udstyr add-on.
7The Kølemedie add-on is offered only to Butik and Restaurant customers in this model.
8The Cybersvindel add-on needs IT equipment on the policy; the quote has none.
9Inventarglas needs insured contents; the quote has none.
10The quote states a premium of 5,000 DKK a year; the quoted modules come to 6,600 DKK.
11Annual revenue is over 100 mio. DKK; refer to the large-business (Store virksomheder) team.
12A liability sum insured over 20 mio. DKK needs an underwriter to accept it.

  

  

    
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. Security level, limits and add-on dependencies: An office policy with 2.5 million kroner of stock and 1.5 million of IT on security level 20, Netbanktyveri and TryghedsGaranti above 5 million, Avancetab without Driftstab, Kølemedie, IT outside the premises and a premium that does not match

    
The agent's request. Please quote Tryg Erhvervsforsikring for a office business with 2,500 thousand kroner of stock, 1,500 thousand of IT equipment and 0 thousand of machinery, with a yearly revenue of 40 million kroner, with the modules Brand, Vand and Tyveri at tyverisikring level 20, and the add-ons it-udstyr uden for forsikringsstedet, Avancetab, Kølemedie, Netbanktyveri for 6,000 thousand kroner and TryghedsGaranti for 7,000 thousand kroner, for a yearly premium of 11,300 kroner. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Security level too low for theft cover. The stock and IT value of 4,000 thousand DKK needs tyverisikring level 40 or higher for theft cover; the quote has level 20.
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  • Netbanktyveri over the 5 mio. kr. limit. Netbanktyveri is covered up to 5 mio. kr.; the quote asks for 6,000 thousand DKK.
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  • TryghedsGaranti over the 5 mio. kr. limit. TryghedsGaranti covers unreported changes up to 5 mio. kr.; the quote reports 7,000 thousand DKK of increase.
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  • Avancetab needs Driftstab. The Avancetab add-on needs the Driftstab/meromkostninger module.
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  • IT outside the premises needs Maskin og it-udstyr. Maskin- og it-udstyr uden for forsikringsstedet needs the Maskin- og it-udstyr add-on.
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  • Kølemedie only for shops and restaurants. The Kølemedie add-on is offered only to Butik and Restaurant customers in this model.
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  • Stated premium does not match. The quote states a premium of 11,300 DKK a year; the quoted modules come to 15,300 DKK.
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2. Security level, limits and add-on dependencies: The agent resubmits after fixing the errors

    
The agent's request. Please quote Tryg Erhvervsforsikring for a office business with 2,500 thousand kroner of stock, 1,500 thousand of IT equipment and 0 thousand of machinery, with a yearly revenue of 40 million kroner, with the modules Brand, Vand, Tyveri at tyverisikring level 40 and Driftstab, and the add-ons Maskin- og it-udstyr, it-udstyr uden for forsikringsstedet, Avancetab, Netbanktyveri for 5,000 thousand kroner and TryghedsGaranti for 5,000 thousand kroner, for a yearly premium of 47,800 kroner. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. Insured values 4,000 thousand DKK, yearly premium 47,800 DKK.
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3. Referrals and add-on dependencies: A manufacturing policy with revenue of 150 million, a 25 million liability sum, Cybersvindel without IT equipment and Netbanktyveri without the Tyveri module

    
The agent's request. Please quote Tryg Erhvervsforsikring for a manufacturing business with 3,000 thousand kroner of stock, 0 thousand of IT equipment and 500 thousand of machinery, with a yearly revenue of 150 million kroner, with the modules Brand, Vand and Erhvervs- og produktansvar with a sum insured of 25 million kroner, and the add-ons Cybersvindel and Netbanktyveri for 1,000 thousand kroner, for a yearly premium of 115,900 kroner. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Netbanktyveri needs theft cover. Netbanktyveri comes with the theft cover (Tyveri); the quote has no Tyveri module.
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  • Cybersvindel needs IT to insure. The Cybersvindel add-on needs IT equipment on the policy; the quote has none.
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  • Large business referral. Annual revenue is over 100 mio. DKK; refer to the large-business (Store virksomheder) team.
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  • High liability sum insured. A liability sum insured over 20 mio. DKK needs an underwriter to accept it.
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4. Referrals and add-on dependencies: The agent resubmits after fixing the errors

    
The agent's request. Please quote Tryg Erhvervsforsikring for a manufacturing business with 3,000 thousand kroner of stock, 200 thousand of IT equipment and 500 thousand of machinery, with a yearly revenue of 150 million kroner, with the modules Brand, Vand and Erhvervs- og produktansvar with a sum insured of 25 million kroner, and the add-ons Cybersvindel, for a yearly premium of 117,100 kroner. It is ready to send.

    
Verdict: Needs approval.

    
    
      
  • Large business referral. Annual revenue is over 100 mio. DKK; refer to the large-business (Store virksomheder) team.
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  • High liability sum insured. A liability sum insured over 20 mio. DKK needs an underwriter to accept it.
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  • Quote summary. Insured values 3,700 thousand DKK, yearly premium 117,100 DKK.
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5. Security level and cover limits: A restaurant policy with security level 20, Netbanktyveri and TryghedsGaranti just above 5 million, Inventarglas and Kølemedie

    
The agent's request. Please quote Tryg Erhvervsforsikring for a restaurant business with 1,200 thousand kroner of stock, 400 thousand of IT equipment and 0 thousand of machinery, with a yearly revenue of 15 million kroner, with the modules Brand, Vand and Tyveri at tyverisikring level 20, and the add-ons Inventarglas, Kølemedie, Netbanktyveri for 5,001 thousand kroner and TryghedsGaranti for 5,001 thousand kroner, for a yearly premium of 13,400 kroner. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Security level too low for theft cover. The stock and IT value of 1,600 thousand DKK needs tyverisikring level 30 or higher for theft cover; the quote has level 20.
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  • Netbanktyveri over the 5 mio. kr. limit. Netbanktyveri is covered up to 5 mio. kr.; the quote asks for 5,001 thousand DKK.
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  • TryghedsGaranti over the 5 mio. kr. limit. TryghedsGaranti covers unreported changes up to 5 mio. kr.; the quote reports 5,001 thousand DKK of increase.
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6. Security level and cover limits: The agent resubmits after fixing the errors

    
The agent's request. Please quote Tryg Erhvervsforsikring for a restaurant business with 1,200 thousand kroner of stock, 400 thousand of IT equipment and 0 thousand of machinery, with a yearly revenue of 15 million kroner, with the modules Brand, Vand and Tyveri at tyverisikring level 30, and the add-ons Inventarglas, Kølemedie, Netbanktyveri for 5,000 thousand kroner and TryghedsGaranti for 5,000 thousand kroner, for a yearly premium of 13,400 kroner. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. Insured values 1,600 thousand DKK, yearly premium 13,400 DKK.
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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 yearly quote for Tryg Erhvervsforsikring, the Danish business insurance for small and medium-sized companies. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the modules and quote rules and returns a verdict, every reason and the premium it computed.
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  2. I will start with the first request by the agent.
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  3. The agent says. Please quote Tryg Erhvervsforsikring for a office business with 2,500 thousand kroner of stock, 1,500 thousand of IT equipment and 0 thousand of machinery. It is ready to send. The rest of the request is on screen.
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  4. Before it goes out, the agent calls the validator.
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  5. Blocked, with seven findings, all in one answer. The stock and IT value of 4,000 thousand DKK needs tyverisikring level 40 or higher for theft cover; the quote has level 20. Netbanktyveri is covered up to 5 mio. kr.; the quote asks for 6,000 thousand DKK. TryghedsGaranti covers unreported changes up to 5 mio. kr.; the quote reports 7,000 thousand DKK of increase. The other four are on screen.
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  6. The validator returned seven 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 on two covers that apply only with a given module, 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 tyverisikring level to 40, the driftstab module to yes, the maskin- og it-udstyr to yes, the kølemedie to no and the premium stated on the quote to 47,800 DKK. Two more changes are on screen.
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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 seven earlier findings are cleared.
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  13. Seven 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.