A single commercial insurance use case flowing through every feature of the most advanced quote engine ever built.
Use Case: Riverside Construction Group — $2.4M Commercial Package Renewal — QTE-2026-0071
Mark Sullivan, Riverside's broker, calls in at 9:02 AM. HERALD captures the call, transcribes it in real-time, and auto-extracts 8 fields with confidence scores.
| Field | Value | Confidence |
|---|---|---|
| Business Name | Riverside Construction Group | 97% |
| LOB | GL, Property, WC, Cyber | 95% |
| Annual Revenue | $2,400,000 | 92% |
| Employees | 85 | 94% |
| NAICS Code | 236220 | 88% |
| State | FL | 98% |
| LEED Certified | Yes | 90% |
| Renewal | Exp. 2026-03-30 | 96% |
The voice session auto-creates a submission in the inbox. Simultaneously, the broker emails an ACORD 125/126 form. The AI Autopilot merges both sources, extracts data, and ranks the submission.
| Submission | Source | Extracted | Score | Status | Action |
|---|---|---|---|---|---|
| Riverside Construction Group GL + Property + WC + Cyber — $2.4M revenue |
Voice ACORD | 8/8 fields 98% | 92/100 | Ready | |
| Metro Dental Associates Professional Liability — 12 practitioners |
6/7 fields 85% | 74/100 | Review | ||
| Pacific Freight Lines Commercial Auto — 45 vehicles |
API | 7/7 fields 96% | 88/100 | Ready |
While the underwriter refines the quote, the AI Chat Builder lets them conversationally adjust coverages, limits, and deductibles through natural language.
The system automatically enriches the submission with data from 7 providers: Verisk, LexisNexis, D&B, MVR, Credit, Geospatial, and Weather.
| Provider | Data Type | Findings | Status |
|---|---|---|---|
| Verisk / ISO | Property inspection, fire score | Fire protection class: 3, Construction: Masonry, Year built: 2014 | Complete |
| Dun & Bradstreet | Business financial health | D-U-N-S: 08-472-3910, Paydex: 78, D&B Rating: 2A2 | Complete |
| LexisNexis | Claims history, litigation | 3 claims in 5 years, 1 open litigation (slip & fall, $45K reserve) | Complete |
| Geospatial | Flood zone, proximity data | Zone X (minimal flood), 2.1 mi from coast, no wildfire zone | Complete |
| NOAA Weather | Climate risk, CAT exposure | Hurricane zone: Moderate, Avg wind: 95mph peak, Flood: Low | Complete |
CLUE and A-PLUS loss history retrieved. AI analyzes patterns, identifies trends, and impacts pricing.
| Date | Type | Description | Incurred | Status |
|---|---|---|---|---|
| 2024-11-15 | GL | Slip & fall at job site — third party injury | $67,400 | Open |
| 2023-06-22 | Property | Equipment theft from storage facility | $28,000 | Closed |
| 2022-09-10 | WC | Worker fall from scaffold — fractured wrist | $32,000 | Closed |
The enriched submission converts into a full quote. All 8 extracted fields + 23 enriched data points populate the quote automatically.
Riverside Construction Group
Miami, FL 33130
NAICS: 236210
Revenue: $2.4M
Employees: 85
Years: 12
GL: $2M/$4M
Property: $500K
WC: Statutory
Cyber: $1M
Effective: Apr 1, 2026
Expiration: Mar 31, 2027
Valid until: May 1
The system auto-checks the quote against appetite rules. Riverside passes all 5 rules.
All 4 lines (GL, Property, WC, Cyber) within appetite for FL
$2.4M within $500K-$25M range for construction
Florida — all counties except Monroe County (Keys)
3 claims / 5 years — below threshold of 5
12 years in business — exceeds minimum 3 years
The premium is rated across all 4 lines. AI scores the risk at 72/100 — favorable for the class.
| Coverage Line | Base Rate | Mods | Premium | Tax & Fees | Total |
|---|---|---|---|---|---|
| General Liability ($2M/$4M) | $18,200 | Exp Mod: 0.92, Schedule: -5% | $15,900 | $954 | $16,854 |
| Commercial Property ($500K) | $12,800 | Fire Prot: -8%, Const Credit: -3% | $11,400 | $684 | $12,084 |
| Workers Compensation (Statutory) | $16,500 | Exp Mod: 0.95, Safety: -7% | $14,500 | $870 | $15,370 |
| Cyber Liability ($1M) | $9,200 | MFA Credit: -10% | $8,280 | $497 | $8,777 |
| Package Total | $56,700 | ESG: -3.0%, CLV: -5.0% | $50,080 | $3,005 | $53,085 |
Four AI agents collaborate autonomously. Quinn handles quoting, Uma underwrites, Reva manages renewals, and Bindi orchestrates binding.
Quote Builder
Active
Actions: 12 today
Auto-rated 3 quotes
Underwriter
Active
Actions: 8 today
Flagged 1 referral
Renewal Manager
Active
Actions: 5 today
Outreach: 3 accounts
Bind Orchestrator
Standby
Awaiting approval
Pre-checked: ready
VERDE scores Riverside's environmental, social, and governance practices. The LEED certification boosts their environmental score, earning a 3% premium discount.
AXIOM predicts Riverside's CLV at $68,400 (Gold band). As a high-value renewal client with 12-year history, they receive a 5% loyalty discount.
92%
67%
+8.2%
0.42
The Coverage Intelligence Engine identifies 2 gaps and 1 opportunity for Riverside.
82% of peer construction firms carry umbrella coverage. With $2.4M revenue and 85 employees, an umbrella policy of $5M+ is strongly recommended. Estimated premium: $4,200.
No builders risk coverage detected. 65% of construction firms in NAICS 236210 carry builders risk for active projects. Estimated premium: $6,800.
With 85 employees, Employment Practices Liability is recommended. 48% adoption rate among peers. Estimated premium: $3,100.
Instant Compliance Engine runs 6 checks. All clear — no OFAC matches, no active CAT moratoriums in Miami-Dade, valid surplus lines filings.
State-specific taxes and fees auto-calculated for Florida.
Three pricing alternatives generated for the broker to present to the client.
GL: $1M/$2M
Property: $250K
WC: Statutory
Deductible: $10K
No Cyber
GL: $2M/$4M
Property: $500K
WC: Statutory
Cyber: $1M
Deductible: $5K
GL: $2M/$4M
Property: $1M
WC: Statutory
Cyber: $2M
Umbrella: $5M
Deductible: $2.5K
Market intelligence shows Riverside's quote is 8% below market median for FL construction GL. Competitive position: strong.
The underwriter fires simultaneous bid requests to 5 carrier connections. Results return in real-time.
| Carrier | Adapter | Premium | Response | Status |
|---|---|---|---|---|
| Travelers | REST API | $48,200 | 1.8s | Best Price |
| Hartford | ACORD XML | $52,100 | 3.2s | Received |
| Liberty Mutual | REST API | $49,800 | 2.1s | Received |
| CNA | IVANS | — | — | Declined |
| Zurich NA | SOAP | $55,400 | 4.5s | Received |
The broker requests a premium reduction. NEXUS evaluates the counter-offer using playbooks and recommends a "split the difference" strategy with 6% max concession.
AI predicts 78% bind probability for the "Better" version. Adjusting the deductible to $7.5K would increase bind probability to 85%.
WEAVE analyzes Riverside's profile and recommends 3 additional coverage lines based on peer adoption and propensity models.
Peer adoption: 82%
Propensity: 0.89
Est. premium: $4,200
Gap severity: Critical
Peer adoption: 65%
Propensity: 0.72
Est. premium: $6,800
Gap severity: High
Peer adoption: 48%
Propensity: 0.58
Est. premium: $3,100
Gap severity: Moderate
A hurricane wind speed trigger is configured for Riverside's Miami location. If sustained winds exceed 74 mph, an automatic payout of $50K is triggered — no claims process needed.
Metric: wind_speed_mph ≥ 74 · Monitoring: Hourly · Source: NOAA
| Tier | Threshold | Payout |
|---|---|---|
| 1 — Category 1 | ≥ 74 mph | $25,000 (50%) |
| 2 — Category 2+ | ≥ 96 mph | $50,000 (100%) |
Riverside's job site has 3 connected IoT devices. PULSE monitors signals in real-time and adjusts risk profiles — earning a 5% IoT discount.
Status: Active
Signals: 1,247
Last: 2 min ago
Risk: Low
Status: Active
Signals: 3,891
Last: 5 min ago
Risk: Medium
Status: Active
Signals: 892
Last: 15 min ago
Risk: Low
FORGE tracks how the broker interacts with the quote form. It detects a 12-second hesitation on the deductible field and suggests the A/B winning variant.
Every AI decision is logged with full explainability. The premium calculation breaks down into weighted factors with counterfactual analysis.
| Factor | Weight | Value | Impact |
|---|---|---|---|
| Loss history (3 claims / 5yr) | 30% | 42.3% loss ratio | +4.2% |
| Industry class (Construction) | 25% | SIC 236210 | Neutral |
| Years in business | 15% | 12 years | -3.0% |
| ESG Score (VERDE) | 10% | 75 — Above Average | -3.0% |
| CLV Band (AXIOM) | 10% | Gold — $68,400 | -5.0% |
| IoT Score (PULSE) | 10% | 82/100 — Improving | -5.0% |
The broker, underwriter, reviewer, and loss control specialist collaborate in a shared session with change requests and e-signatures.
ACORD 125, 126, 130, and 140 forms auto-generated. Proposal document created with custom branding.
5 documents auto-generated: Quote letter, Proposal deck, Binder, Certificate of Insurance, and Policy declarations.
3 pre-bind subjectivities tracked. 2 of 3 complete — awaiting final safety certificate.
3 financing options generated for the $47,400 premium.
$47,400
Save $1,896 (4%)
4 × $12,324
Total: $49,296
APR: 4.0%
12 × $4,264
Total: $51,168
APR: 7.9%
The Straight-Through Processing engine evaluates this quote for auto-binding eligibility.
Risk score 72 passes threshold (≥65), premium $47.4K is within ceiling ($75K), OFAC clear. However, 1 open GL claim ($67.4K reserve) triggers referral to senior underwriter.
Senior UW approves. Bindi (AI agent) triggers the BindOrchestrator. In one atomic transaction: Policy created, billing account opened, 12 monthly cycles generated, first invoice issued, subledger entries posted.
Reva (AI agent) auto-schedules Riverside's renewal 90 days before expiration. Retention scorecard: 92%. Outreach sequence initiated.
Riverside's coastal construction profile matches the "Coastal Property MGA" program by Atlantic Risk Partners. 12% agent commission, $3M GWP capacity.
LOBs: Commercial Property, Flood, Wind/Hail
States: FL, TX, LA, NC, SC, GA
Commission: 12% agent / 3% platform
Status: Active · GWP: $11.8M
A white-labeled version of this quote flow is available via the Embedded 2.0 SDK. Riverside's broker can embed it on their agency website.
Riverside's quote tracked through the sales pipeline from indication to bound.
Portfolio-level analytics for all quotes. Riverside's $47.4K contributes to the Q1 2026 GWP of $2.48M with a 35.3% bind rate.
Portfolio-wide coverage heatmap and peer comparison analysis.
Complete audit trail of every AI decision made during this quote lifecycle. 14 decisions logged, all explainable.
Mark Sullivan's performance tracked. Riverside is his 12th bind this quarter — top 5% of producers.
The floating AI Assistant was available throughout the entire flow — answering questions, suggesting actions, and providing context.
Riverside Construction Group's $47,400 commercial package renewal touched every layer of the PNC Quotient engine — from voice intake to AI-powered binding.