Rating Agent¶

The Rating Agent is an AI-powered conversational assistant that collects insurance information through natural dialogue and calculates premiums automatically. Instead of filling out forms, users can simply chat with the agent to get quotes.

Overview ¶

What is the Rating Agent?¶

The Rating Agent is a conversational AI that:

Collects rating information through natural dialogue
Asks intelligent follow-up questions
Validates inputs in real-time
Guides users through the quoting process
Calculates premiums automatically
Handles corrections and changes easily

Key Features ¶

Rating Agent Features¶
Feature	Description
Natural Conversation	Talk normally, no forms to fill
Smart Questions	Asks for required information based on product
Real-Time Validation	Catches errors immediately with helpful guidance
Context Awareness	Remembers answers, handles corrections
Multi-Product Support	Works with all configured insurance products
Progress Tracking	Shows what’s been collected and what’s needed

When to Use ¶

Use the Rating Agent when:

You prefer conversation over forms
Helping clients who are uncomfortable with web forms
Training new staff (agent guides through process)
On mobile devices (easier than form input)
Collecting information during phone calls
You want a faster, more natural quoting experience

Getting Started ¶

Accessing the Rating Agent ¶

Access the agent in two ways:

Option 1: Chat Mode Toggle

Navigate to Calculator
Click Switch to Chat Mode toggle
Calculator transforms into chat interface
Start typing to begin conversation

Option 2: Dedicated Page

Click AI Quote Assistant in main menu
Opens full-screen chat interface
Agent greets you automatically
Begin your conversation

First-Time User Experience ¶

When you first open the chat, the agent welcomes you:

Agent: "Hello! I'm your insurance quoting assistant. I can help
you get quotes for:

• Business Owners Policy (BOP)
• General Liability
• Workers Compensation
• Commercial Auto
• And more...

Just tell me what you need! For example:
• 'I need a quote for my business'
• 'I want a BOP policy'
• 'Get me a workers comp quote'

What can I help you with today?"

Using the Rating Agent ¶

Understanding the Interface ¶

The interface includes:

Chat Area (Left, 60%): * Conversation history * Agent messages (blue, left-aligned) * Your messages (gray, right-aligned) * Typing indicator * Auto-scrolls to latest
Progress Sidebar (Right, 40%): * Product selected * Collection progress (e.g., “3 of 5 factors collected”) * Collected data summary * Edit buttons for corrections * Calculate button (when ready)
Input Area (Bottom): * Text input field * Send button * Microphone button (if supported)

Starting a Quote ¶

Example 1: Direct Request

User: "I need a BOP quote"

Agent: "Perfect! I'll help you get a Business Owners Policy quote.

First, I need to know your business location. What's your
territory code or ZIP code?"

Example 2: General Request

User: "I need insurance for my business"

Agent: "I'd be happy to help! What type of business insurance
do you need?

Common options:
• Business Owners Policy (BOP) - Property + Liability
• General Liability - Covers lawsuits and injuries
• Workers Compensation - Employee injury coverage
• Commercial Auto - Vehicle coverage

Which one interests you?"

Example 3: Specific Scenario

User: "My client owns a retail store downtown and needs insurance"

Agent: "Got it! A downtown retail store typically needs a
Business Owners Policy (BOP) that covers both property and
liability.

I'll collect some information to calculate the premium:

Starting with location - you mentioned downtown. What's the
specific territory code or ZIP code?"

The Conversation Flow ¶

Product Selection ¶

The agent helps identify the right product:

User: "I'm not sure which product I need"

Agent: "No problem! Let me help you figure it out. What kind
of business is this for, and what are you trying to protect?

• Physical building or property?
• Liability (if someone gets injured)?
• Employees (workers compensation)?
• Vehicles (commercial auto)?

Tell me more about your situation."

User: "I have a coffee shop and want to protect the building
and if someone slips and falls"

Agent: "Perfect! For a coffee shop, I recommend a Business
Owners Policy (BOP). It combines:

✓ Property coverage (your building, equipment, inventory)
✓ Liability coverage (slip and falls, customer injuries)
✓ Business income (if you have to close due to damage)

This is the most comprehensive and cost-effective option.

Shall we proceed with a BOP quote?"

Collecting Factors ¶

The agent asks for required information sequentially:

Factor 1: Territory

Agent: "Great! First, I need your territory code. This is
usually a 2-digit code based on your location.

If you don't know your territory code, just tell me your ZIP
code or city and I'll help find it."

User: "Downtown Chicago"

Agent: "Chicago downtown is typically territory 14. Does that
sound right?"

User: "Yes"

Agent: "Perfect! Territory 14 confirmed. (1 of 5 collected)

Next, what's your business classification code? This is a
5-digit code describing your business type. For coffee shops,
it's typically 47221 (Restaurants and Food Service).

Is that your classification, or do you have a different one?"

Factor 2: Building Area

User: "Yes, that's right"

Agent: "Excellent! Classification 47221 confirmed. (2 of 5)

Now, what's the total square footage of your building?"

User: "About 2500 square feet"

Agent: "Got it - 2,500 square feet. (3 of 5)

Next, what's your building's replacement value? This is how
much it would cost to rebuild if destroyed."

Factor 3: Building Value

User: "I'm not sure, maybe $500,000?"

Agent: "Okay, I have $500,000 as the building value. Keep in
mind this should be the full replacement cost, not the market
value or what you paid for it.

For a 2,500 sq ft commercial building in downtown Chicago,
typical replacement costs are $200-$300 per square foot, which
would be $500,000-$750,000.

Your $500,000 estimate seems on the lower end. Would you like
to adjust this, or proceed with $500,000?"

User: "Let's say $600,000 to be safe"

Agent: "Smart choice! Updated to $600,000. (4 of 5)

Last required item: What construction type is your building?
• Brick (fire-resistant masonry)
• Frame (wood construction)
• Concrete (poured concrete)
• Mixed (combination)"

Handling Validation Errors ¶

The agent validates inputs immediately:

Example 1: Value Out of Range

User: "The building is 50 square feet"

Agent: "I noticed 50 square feet is quite small for a coffee shop.
Our system requires a minimum of 500 square feet for commercial
properties.

Did you mean:
• 500 square feet?
• 5,000 square feet?
• 2,500 square feet?

Or a different number?"

User: "Sorry, I meant 2,500"

Agent: "No problem! 2,500 square feet - that makes much more
sense for a coffee shop. I've updated that."

Example 2: Invalid Format

User: "Territory is downtown"

Agent: "I understand you're downtown! However, I need the
specific 2-digit territory code for rating purposes.

For downtown Chicago, the code is typically '14'. Does that
work for you?"

User: "Yes, 14"

Agent: "Perfect! Territory 14 saved."

Collecting Coverages ¶

After collecting factors, the agent helps select coverages:

Agent: "Great! I have all the basic information. (5 of 5)

Now let's set up your coverages. For a BOP policy, you can
select:

1. Building Coverage
   Protects the physical structure
   Recommended: $600,000 (matches your building value)

2. Business Personal Property
   Covers equipment, furniture, inventory
   Typical: $100,000-$250,000

3. General Liability
   Protects if customers get injured
   Standard: $1,000,000

4. Business Income (optional)
   Covers lost revenue if you close due to damage
   Optional: $50,000-$100,000

Would you like me to add all of these with standard limits,
or would you like to customize?"

User: "Standard limits sound good"

Agent: "Perfect! I'll add:
✓ Building: $600,000 with $1,000 deductible
✓ Business Personal Property: $150,000 with $500 deductible
✓ General Liability: $1,000,000
✓ Business Income: $75,000

You can always adjust these. Ready to calculate your premium?"

Calculating the Premium ¶

When ready, calculate the premium:

User: "Yes, calculate it"

Agent: "Calculating your premium... ⏳"

[Processing 3-5 seconds]

Agent: "Great news! I've calculated your premium:

**Annual Premium: $2,847**

Breakdown by coverage:
• Building: $1,320
• Business Personal Property: $485
• General Liability: $892
• Business Income: $150

This quote is valid for 30 days.

What would you like to do next?
• View full calculation details
• Adjust coverages or deductibles
• Save this quote
• Email this quote
• Start a new quote"

Making Corrections ¶

Changing Previous Answers ¶

The agent remembers context and handles changes:

Method 1: Conversational Correction

User: "Actually, the building is wood frame, not brick"

Agent: "No problem! I've updated the construction type to
wood frame.

Note: This will affect your premium. Wood frame typically
has higher rates than brick due to fire risk. The property
premium will increase from $1,320 to approximately $1,580.

Would you like me to recalculate with this change?"

Method 2: Using the Sidebar

Look at “Collected Data” sidebar
Click “Edit” next to the field
Enter new value
Agent acknowledges the change

Method 3: Explicit Change Request

User: "Change the building value to $750,000"

Agent: "Updated! Building value changed from $600,000 to
$750,000.

This will increase your Building coverage premium from
$1,320 to approximately $1,650.

Shall I recalculate the total premium?"

Going Back ¶

If you need to change multiple things:

User: "Can we start over with different coverages?"

Agent: "Of course! I'll keep your basic information (territory,
classification, building details) and we can reconfigure the
coverages.

Which coverages would you like to change?"

User: "I want to increase the General Liability to $2 million"

Agent: "Done! General Liability increased to $2,000,000.
This will add approximately $380 to the annual premium.

Any other changes?"

Advanced Features ¶

Multiple Locations ¶

For businesses with multiple locations:

User: "I have two locations"

Agent: "Great! I can help you quote both locations. We can do
this two ways:

Option 1: Quote each location separately (2 separate policies)
Option 2: Quote as a multi-location policy (1 combined policy)

Which would you prefer?"

User: "Separate policies"

Agent: "Perfect! We'll quote each location individually.

We just finished Location 1 (Downtown Chicago).

For Location 2, I'll need the same information:
• Territory/location
• Building details
• Coverages desired

What's the address or territory for Location 2?"

Comparing Options ¶

Ask the agent to compare scenarios:

User: "What if I increased the deductible to $5,000?"

Agent: "Good question! Let me show you the comparison:

Current ($1,000 deductible):
• Annual premium: $2,847
• Out-of-pocket per claim: $1,000

With $5,000 deductible:
• Annual premium: $2,490 (save $357/year)
• Out-of-pocket per claim: $5,000

Pros of higher deductible:
✓ Save $357 per year
✓ Lower total cost if no claims

Cons:
✗ Pay $4,000 more out-of-pocket per claim
✗ Need $5,000 cash available for emergencies

Break-even: If you go 11+ years without a claim, higher
deductible saves money.

Would you like to switch to the $5,000 deductible?"

Saving Quotes ¶

After calculating, save your quote:

User: "Save this quote"

Agent: "Quote saved! You can find it in Rating History.

I've also created:
• Quote Reference: Q-2025-0042
• Saved for: Next 30 days
• Last modified: Jan 17, 2025

Would you like me to:
• Email this quote to you?
• Generate a PDF?
• Share with a colleague?
• Start another quote?"

Best Practices ¶

Getting the Best Experience ¶

Be Natural: Talk normally, the agent understands context

✓ "My building is about 5000 square feet"
✓ "The building's around 5,000"
✓ "5000 sqft"

Provide Context: More information helps the agent

✓ "I have a retail clothing store in downtown Chicago"
Better than: "I need insurance"

Ask Questions: The agent can explain anything

✓ "What's a territory code?"
✓ "Why do you need the building value?"
✓ "What coverage limit should I choose?"

Correct Freely: Don’t worry about mistakes

✓ "Actually, change that to 10,000"
✓ "Wait, I meant wood frame not brick"

Review Before Calculating: Check the sidebar summary

Example Good Conversation ¶

User: "Hi, I need a quote for my coffee shop"

Agent: "I'd be happy to help! I'll get you a Business Owners
Policy quote for your coffee shop. Where is it located?"

User: "235 Main Street, Chicago, IL 60601"

Agent: "Perfect! That's territory 14 (Downtown Chicago).

What's the square footage of your shop?"

User: "Around 2000 square feet"

Agent: "Got it - 2,000 sq ft. What's the building's replacement
value? (Not what you paid, but what it would cost to rebuild)"

User: "Maybe $500,000?"

Agent: "For a 2,000 sq ft commercial building downtown, that
seems reasonable. I'll use $500,000.

What's the construction type?"

User: "It's brick"

Agent: "Excellent! Brick construction qualifies for better rates.

I have everything I need. Calculating... ⏳

**Your annual premium: $2,385**

This includes property coverage, liability, and business income
protection. Want to see the breakdown?"

User: "Yes please"

Agent: "Breakdown:
• Building coverage: $1,050
• Business property: $420
• General Liability: $765
• Business Income: $150

Questions? Want to adjust anything?"

Troubleshooting ¶

Agent Not Understanding ¶

If the agent seems confused:

User: "The thing is 5000"

Agent: "I'm not sure what you're referring to. Are you talking
about:
• Square footage?
• Building value?
• Coverage limit?

Can you clarify?"

✓ Better: "The square footage is 5000"

Agent Asking Repeated Questions ¶

If the agent asks for something you already provided:

User: "I already told you that - it's territory 14"

Agent: "You're absolutely right, my apologies! I have territory
14 recorded. Let me continue with the next question..."

Calculation Taking Too Long ¶

If the calculation seems stuck:

Wait: Initial calculations can take 10-15 seconds
Check Connection: Look for “Connected” status
Refresh: If >30 seconds, refresh and try again
Report: If persistent, contact support

Starting Over ¶

To start a completely new quote:

User: "Start over" or "New quote"

Agent: "Sure! I'll clear everything and we can start fresh.

What type of insurance quote do you need?"

Technical Details ¶

How It Works ¶

The Rating Agent:

Understands Intent: Uses AI to interpret what you’re asking
Determines Next Step: Knows what information is needed
Validates Input: Checks answers in real-time
Stores Data: Keeps track of collected information
Calculates Premium: Calls the rating service when ready
Provides Results: Presents the calculated premium

Supported Products ¶

The agent works with all configured products:

Business Owners Policy (BOP)
General Liability
Workers Compensation
Commercial Auto
Property
And any other products in your system

Note

The agent automatically learns about new products as they’re added to the system.

Data Collection ¶

The agent collects:

Product Selection: Which insurance product
Risk Characteristics: Required rating factors
Coverage Options: Selected coverages and limits
Deductibles: Chosen deductible amounts
Additional Info: Any modifiers or endorsements

All collected data is stored in your conversation session and used to create the final rating request.

Security and Privacy ¶

Data Protection ¶

Your conversations are protected:

Encrypted: All communication uses TLS encryption
Authenticated: Must be logged in
Session-Isolated: Each conversation is independent
Temporary: Conversation data expires after session
Audit Trail: Rating calculations are logged

What Gets Saved ¶

Data Retention¶
Data Type	Retention
Conversation	Session only (not permanently stored)
Collected Data	Until rating calculated or session expires
Rating Results	Permanently stored in Rating History

Next Steps ¶

Try It: Click “AI Quote Assistant” to start a conversation
Learn More: See AI Agents Overview for AI features overview
Compare: Use traditional Performing Calculations calculator
Bulk Quotes: See Bulk Rating for high-volume quoting

Tip

New users often find the Rating Agent easier than the traditional calculator. Try both to see which you prefer!

Warning

Always review calculated premiums for accuracy before presenting to clients. The agent is a tool to assist, not replace, professional judgment.