Predictika · Commercial property insurance quotes

An AI sales agent's investment property quote, checked before it goes out

An AI sales agent prepares a quote for a real estate investor who wants a portfolio of rental properties insured on a property and general liability package. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the published program appetite and limits and returns a verdict, every reason and the figures it computed.

Scope: Zurich's Real Estate Investor (Investment Property Portfolio) program, as published on the Zurich North America site: eligible and ineligible risks, property and general liability limits, referral for higher limits and the minimum premium. See everything this validator covers

This validator models quotes for Zurich's Investment Property Portfolio program as described on the public program page (read October 5, 2026), not just the scenarios shown below.

  • Eligible risks — investment properties of one- to four-unit family dwellings, with any other operations incidental to the account. Commercial retail, manufacturing and warehouse operations, vacation rentals and home sharing, Section 8, HUD, subsidized and student housing, properties on barrier islands and wood shake, shingle or T-lock roofs are listed as ineligible.
  • Limits and referral — the program page lists property limits of $10 million per location and general liability limits of $1 million/$2 million, with higher limits available with referral. A quote above either limit goes to a person.
  • Other checks — the stated premium is compared with the published $2,500 minimum premium, and the total property limit the agent states is compared with the locations quoted.

Any quote for this program that touches these rules is in scope — not only the scenarios pictured here. Not covered: premium rates (none are published, so this validator produces no price build-up), deductibles, the optional wind/hail, flood and earthquake coverages, other Zurich programs and lines, and admitted-market business. Assumptions: the general liability limits are read as per occurrence and aggregate, and the premium and total limit in a quote are figures the agent states, not figures Zurich publishes.

The AI sales agentBuilds the property portfolio 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
Ineligible risks listed by the programOnly with care
Each exclusion is a rule on a different attribute (units, occupancy, roof, location), so they can be built, but a list of eight or more has to be kept in step with the program page.		Every exclusion is checked in the same pass, and each one that applies is reported.
Limits that are fine up to a point and then need a referralOnly with care
A limit above the program maximum is usually either allowed silently or blocked outright; a third outcome of referral needs its own approval path.		Limits above the published maximum come back as needs approval, with the reason, rather than allowed or blocked.
A stated total that must match the locations quotedOnly with workarounds
The total is typed by a rep or an agent, so a validation rule has to recompute it from locations and per-location limit and compare.		The stated total travels with the quote and is compared with the computed total on every call.
A minimum premiumOnly with care
A threshold rule on a typed premium works, but it is another rule to keep in step with the program.		The stated premium is checked against the published minimum with the other rules.
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.

    
1The program covers one- to four-unit family dwellings; the quote has a building with 5 units.
2Commercial retail, manufacturing and warehouse operations are ineligible risks under the program.
3Vacation rentals and home sharing are ineligible risks under the program.
4Section 8, HUD, subsidized and student housing are ineligible risks under the program.
5Any property on a barrier island is ineligible, with or without wind coverage.
6Properties with wood shake, shingle or T-lock roofs are ineligible.
7Other operations must be incidental to the account, and the quote says they are not.
8The quote states a premium of $2,499; the program minimum premium is $2,500.
9The quote states a total property limit of $17,500,000; the locations quoted give $20,000,000.
10The property limit of $12,000,000 per location is above the program limit of $10,000,000; Zurich states higher limits are available with referral.
11The general liability limit of $2,000,000 per occurrence is above the program limit of $1,000,000; Zurich states higher limits are available with referral.
12The general liability aggregate limit of $4,000,000 is above the program limit of $2,000,000; Zurich states higher limits are available with referral.
13The property limit of $11,000,000 per location is above the program limit of $10,000,000; Zurich states higher limits are available with referral.
14The program covers one- to four-unit family dwellings; the quote has a building with 6 units.
15The quote states a premium of $1,500; the program minimum premium is $2,500.

  

  

    
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. Eligible properties: Six-unit buildings on a barrier island with wood shake roofs

    
The agent's request. Please quote 12 long-term rental properties for a family office on the property and general liability package, each a building of 6 units with wood shake roofs, on a barrier island, a property limit of $1,800,000 per location ($21,600,000 in total), and general liability of $1,000,000 per occurrence and $2,000,000 in the aggregate. The quote states a premium of $48,000. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Building has more than four units. The program covers one- to four-unit family dwellings; the quote has a building with 6 units.
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  • Property on a barrier island. Any property on a barrier island is ineligible, with or without wind coverage.
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  • Wood shake, shingle or T-lock roof. Properties with wood shake, shingle or T-lock roofs are ineligible.
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2. Eligible properties: The agent resubmits after fixing the errors

    
The agent's request. Please quote 12 long-term rental properties for a family office on the property and general liability package, each a building of 2 units with standard roofs, a property limit of $1,800,000 per location ($21,600,000 in total), and general liability of $1,000,000 per occurrence and $2,000,000 in the aggregate. The quote states a premium of $48,000. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. 12 location(s), property limit $1,800,000 per location, $21,600,000 in total.
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3. Limits and referral: Vacation rentals with limits above the program limits and a premium below the minimum

    
The agent's request. Please quote 10 vacation rental properties for a family office on the property and general liability package, each a building of 3 units with standard roofs, a property limit of $12,000,000 per location ($120,000,000 in total), and general liability of $2,000,000 per occurrence and $4,000,000 in the aggregate. The quote states a premium of $2,000. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Vacation rentals are ineligible. Vacation rentals and home sharing are ineligible risks under the program.
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  • Premium below the program minimum. The quote states a premium of $2,000; the program minimum premium is $2,500.
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  • Property limit above the program limit: referral. The property limit of $12,000,000 per location is above the program limit of $10,000,000; Zurich states higher limits are available with referral.
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  • General liability per-occurrence limit above the program limit: referral. The general liability limit of $2,000,000 per occurrence is above the program limit of $1,000,000; Zurich states higher limits are available with referral.
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  • General liability aggregate limit above the program limit: referral. The general liability aggregate limit of $4,000,000 is above the program limit of $2,000,000; Zurich states higher limits are available with referral.
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4. Limits and referral: The agent resubmits after fixing the errors

    
The agent's request. Please quote 10 long-term rental properties for a family office on the property and general liability package, each a building of 3 units with standard roofs, a property limit of $12,000,000 per location ($120,000,000 in total), and general liability of $2,000,000 per occurrence and $4,000,000 in the aggregate. The quote states a premium of $62,000. It is ready to send.

    
Verdict: Needs approval.

    
    
      
  • Property limit above the program limit: referral. The property limit of $12,000,000 per location is above the program limit of $10,000,000; Zurich states higher limits are available with referral.
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  • General liability per-occurrence limit above the program limit: referral. The general liability limit of $2,000,000 per occurrence is above the program limit of $1,000,000; Zurich states higher limits are available with referral.
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  • General liability aggregate limit above the program limit: referral. The general liability aggregate limit of $4,000,000 is above the program limit of $2,000,000; Zurich states higher limits are available with referral.
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  • Quote summary. 10 location(s), property limit $12,000,000 per location, $120,000,000 in total.
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5. Limits and referral: The agent resubmits after fixing the errors

    
The agent's request. Please quote 10 long-term rental properties for a family office on the property and general liability package, each a building of 3 units with standard roofs, a property limit of $1,200,000 per location ($12,000,000 in total), and general liability of $1,000,000 per occurrence and $2,000,000 in the aggregate. The quote states a premium of $62,000. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. 10 location(s), property limit $1,200,000 per location, $12,000,000 in total.
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6. Stated total property limit: Stated total property limit that does not match the locations quoted

    
The agent's request. Please quote 15 long-term rental properties for a family office on the property and general liability package, each a building of 1 unit with standard roofs, a property limit of $900,000 per location ($15,000,000 in total), and general liability of $1,000,000 per occurrence and $2,000,000 in the aggregate. The quote states a premium of $51,000. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Stated total property limit does not match. The quote states a total property limit of $15,000,000; the locations quoted give $13,500,000.
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7. Stated total property limit: The agent resubmits after fixing the errors

    
The agent's request. Please quote 15 long-term rental properties for a family office on the property and general liability package, each a building of 1 unit with standard roofs, a property limit of $900,000 per location ($13,500,000 in total), and general liability of $1,000,000 per occurrence and $2,000,000 in the aggregate. The quote states a premium of $51,000. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. 15 location(s), property limit $900,000 per location, $13,500,000 in total.
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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 quote for a real estate investor who wants a portfolio of rental properties insured on a property and general liability package. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the published program appetite and limits 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 quote 12 long-term rental properties for a family office on the property and general liability package, each a building of 6 units with wood shake roofs. The quote states a premium of $48,000. 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 three findings, all in one answer. The program covers one- to four-unit family dwellings; the quote has a building with 6 units. Any property on a barrier island is ineligible, with or without wind coverage. Properties with wood shake, shingle or T-lock roofs are ineligible.
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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 ineligible risks listed by the program, 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 units per building to 2, the roof to standard roofs and the property on a barrier island to no.
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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, and the validator's total, $21,600,000, matches the quote.
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  13. Three problems caught in one call, fixed in one pass, and a clean $21,600,000 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.