Predictika · Commercial insurance eligibility and appetite checks

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

An AI sales agent assembles a small business owner's policy submission for a broker: the class of business, locations, annual sales, insured property values, building age and operations. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the carrier's public appetite guides and returns a verdict, every reason and the figures it computed.

Scope: Small business BOP submissions in seven classes plus garages: sales, property value and payroll limits, building age, delivery restaurants and retail appetite criteria. See everything this validator covers

This validator models eligibility and appetite for small business BOP submissions, not just the scenarios shown below.

  • Limits by class — annual sales per location up to $10 million, $6 million for contractors and restaurants and $5 million for garages and LROs; insured property value per location up to $7 million, $3 million for contractors; contractor payroll up to $1 million. The total insured value stated on the submission is compared with the locations.
  • Buildings and operations — buildings built in the last 35 years; older buildings go to an underwriter if updated within 15 to 20 years and are blocked with no update in 20 years; hired and non-owned auto is not available for restaurants with delivery.
  • Retail appetite — at least three years of experience, protection class 1 to 8, not open 24 hours and no temporary employees; a miss goes to an underwriter rather than being blocked.

Any small business BOP submission that touches these rules is in scope — not only the scenarios pictured here. Not covered: premiums (none are public, so no price build-up or line-item quote is produced), the full class list, other commercial lines, and the guides' credit and other judgment criteria. Assumptions: the guides state building-age and appetite points as guidance, so the validator blocks only a building with no update in 20 years and sends the rest to an underwriter; the 15 to 20 year update window is read as 20 years.

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

8 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
Limits that differ by class of business: sales, property value, payrollOnly with care
Each limit applies to one class only, so the rule has to be scoped to the class and kept in step as classes change.		The class and every figure are in one request and compared together on every call.
A stated total insured value that disagrees with the locationsOnly with workarounds
The total comes from locations multiplied by value per location; checking a stated figure against it takes extra formulas.		The stated figure is one more field in the request and is compared with the computed total on every call.
A building that is acceptable only with a recent updateOnly with care
Age and years since update interact, with one outcome for an acceptable building, another for review and a third for a block.		Age and update are in one request and the three outcomes come back with the other findings.
A coverage that one class cannot add when a feature is presentEasy
A compatibility rule between class, delivery and the coverage; routine in a product-rules CPQ.		The same rule, checked together with all the others on every call.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as the submission 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.

    
1The account has $10,001 thousand of annual sales per location; the limit for this class is $10,000 thousand.
2The account has $6,001 thousand of annual sales per location; the limit for this class is $6,000 thousand.
3The account has $5,001 thousand of annual sales per location; the limit for this class is $5,000 thousand.
4The account has $6,500 thousand of annual sales per location; the limit for this class is $6,000 thousand.
5The property has $7,001 thousand of insured value per location; the limit for this class is $7,000 thousand.
6The property has $3,001 thousand of insured value per location; the limit for this class is $3,000 thousand.
7The contractor has $1,001 thousand of payroll; the limit is $1 million.
8The building is 36 years old; older buildings can be considered with updates within the last 15 to 20 years, so an underwriter should review it.
9The building is 40 years old with its last update 25 years ago; buildings older than 35 years need updates within the last 20 years.
10Hired and non-owned auto liability is not available for restaurants with delivery operations.
11UFG retail appetite lists at least three years of experience; the insured has 2.
12UFG retail appetite lists property exposures in protection class 1 to 8; this one is class 9.
13UFG retail appetite lists businesses that are not open 24 hours.
14UFG retail appetite lists no temporary employees.
15The submission states $4,000 thousand of total insured value; the locations give $5,000 thousand.
16The account has $8,000 thousand of annual sales per location; the limit for this class is $6,000 thousand.
17The property has $4,000 thousand of insured value per location; the limit for this class is $3,000 thousand.
18The contractor has $2,000 thousand of payroll; the limit is $1 million.
19The building is 50 years old with its last update 30 years ago; buildings older than 35 years need updates within the last 20 years.
20The submission states $5,000 thousand of total insured value; the locations give $8,000 thousand.

  

  

    
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. Restaurant group with delivery: A three-location restaurant submission with delivery and hired and non-owned auto

    
The agent's request. Please prepare a small business owner's policy submission for a restaurant account with 3 locations, each with $6,500 thousand of annual sales and $2,000 thousand of insured property value. The buildings are 15 years old and were last updated 6 years ago, and the restaurants run delivery and the submission asks for hired and non-owned auto liability. The submission states $6,000 thousand of insured value in total. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Annual sales per location over the limit. The account has $6,500 thousand of annual sales per location; the limit for this class is $6,000 thousand.
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  • Hired and non-owned auto not available with delivery. Hired and non-owned auto liability is not available for restaurants with delivery operations.
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2. Restaurant group with delivery: The agent resubmits after fixing the errors

    
The agent's request. Please prepare a small business owner's policy submission for a restaurant account with 3 locations, each with $5,800 thousand of annual sales and $2,000 thousand of insured property value. The buildings are 15 years old and were last updated 6 years ago, and the restaurants run delivery. The submission states $6,000 thousand of insured value in total. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Account summary. 3 location(s) with $6,000 thousand of insured value in total; limits for this class are $6,000 thousand of sales and $7,000 thousand of insured value per location.
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3. Contractor limits: A two-location contractor submission with high sales, property value and payroll

    
The agent's request. Please prepare a small business owner's policy submission for a contractor account with 2 locations, each with $7,000 thousand of annual sales and $3,500 thousand of insured property value. The buildings are 20 years old and were last updated 8 years ago, and the payroll is $1,400 thousand. The submission states $7,000 thousand of insured value in total. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Annual sales per location over the limit. The account has $7,000 thousand of annual sales per location; the limit for this class is $6,000 thousand.
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  • Property value per location over the limit. The property has $3,500 thousand of insured value per location; the limit for this class is $3,000 thousand.
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  • Contractor payroll over the limit. The contractor has $1,400 thousand of payroll; the limit is $1 million.
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4. Contractor limits: The agent resubmits after fixing the errors

    
The agent's request. Please prepare a small business owner's policy submission for a contractor account with 2 locations, each with $5,500 thousand of annual sales and $3,500 thousand of insured property value. The buildings are 20 years old and were last updated 8 years ago, and the payroll is $900 thousand. The submission states $7,000 thousand of insured value in total. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Property value per location over the limit. The property has $3,500 thousand of insured value per location; the limit for this class is $3,000 thousand.
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5. Contractor limits: The agent resubmits after fixing the errors

    
The agent's request. Please prepare a small business owner's policy submission for a contractor account with 2 locations, each with $5,500 thousand of annual sales and $2,800 thousand of insured property value. The buildings are 20 years old and were last updated 8 years ago, and the payroll is $900 thousand. The submission states $5,600 thousand of insured value in total. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Account summary. 2 location(s) with $5,600 thousand of insured value in total; limits for this class are $6,000 thousand of sales and $3,000 thousand of insured value per location.
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6. Older retail buildings: A four-location retail submission in 45-year-old buildings with an owner of two years experience

    
The agent's request. Please prepare a small business owner's policy submission for a retail account with 4 locations, each with $3,500 thousand of annual sales and $1,800 thousand of insured property value. The buildings are 45 years old and were last updated 28 years ago, and the owner has 2 years of experience in protection class 5. The submission states $7,200 thousand of insured value in total. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Old building with no recent update. The building is 45 years old with its last update 28 years ago; buildings older than 35 years need updates within the last 20 years.
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  • Retail with under three years of experience. UFG retail appetite lists at least three years of experience; the insured has 2.
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7. Older retail buildings: The agent resubmits after fixing the errors

    
The agent's request. Please prepare a small business owner's policy submission for a retail account with 4 locations, each with $3,500 thousand of annual sales and $1,800 thousand of insured property value. The buildings are 45 years old and were last updated 12 years ago, and the owner has 2 years of experience in protection class 5. The submission states $7,200 thousand of insured value in total. It is ready to send.

    
Verdict: Needs approval.

    
    
      
  • Older building to be considered. The building is 45 years old; older buildings can be considered with updates within the last 15 to 20 years, so an underwriter should review it.
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  • Retail with under three years of experience. UFG retail appetite lists at least three years of experience; the insured has 2.
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  • Account summary. 4 location(s) with $7,200 thousand of insured value in total; limits for this class are $10,000 thousand of sales and $7,000 thousand of insured value per location.
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8. Older retail buildings: The agent resubmits after fixing the errors

    
The agent's request. Please prepare a small business owner's policy submission for a retail account with 4 locations, each with $3,500 thousand of annual sales and $1,800 thousand of insured property value. The buildings are 30 years old and were last updated 30 years ago, and the owner has 4 years of experience in protection class 5. The submission states $7,200 thousand of insured value in total. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Account summary. 4 location(s) with $7,200 thousand of insured value in total; limits for this class are $10,000 thousand of sales and $7,000 thousand of insured value per location.
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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 assembles a small business owner's policy submission for a broker: the class of business, locations, annual sales, and more. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the carrier's public appetite guides and returns a verdict, every reason and the figures 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 prepare a small business owner's policy submission for a contractor account with 2 locations, each with $7,000 thousand of annual sales and $3,500 thousand of insured property value. The buildings are 20 years old and were last updated 8 years ago, and the payroll is $1,400 thousand. The rest of the request is on screen. The submission states $7,000 thousand of insured value in total.
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  4. Before it goes out, the agent calls the validator.
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  5. Blocked, with three findings, all in one answer. The account has $7,000 thousand of annual sales per location; the limit for this class is $6,000 thousand. The property has $3,500 thousand of insured value per location; the limit for this class is $3,000 thousand. The contractor has $1,400 thousand of payroll; the limit is $1 million.
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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 limits that differ by class of business: sales, property value, payroll, 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 annual sales per location to 5,500 thousand dollars and the payroll to 900 thousand dollars.
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  10. It calls the validator again.
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  11. Still blocked, with one finding, all in one answer. The property has $3,500 thousand of insured value per location; the limit for this class is $3,000 thousand.
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  12. Two findings cleared. Still blocking: property value per location over the limit.
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  13. The agent resubmits once more.
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  14. The revised request. It changes the insured value per location to 2,800 thousand dollars and the stated total insured value to 5,600 thousand dollars.
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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 earlier finding is cleared.
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  18. Three problems caught in one call, fixed in two passes, 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.
    19.