Demo
Eligibility
Northbay Electrical Services, Inc.
task_2026-05-02_004·4h ago·Pending
6 / 9
Input snapshot
Applicant
Northbay Electrical Services, Inc.
Line
Commercial GL + Workers Comp Package
NAICS
NAICS 238210
Revenue
$11,200,000
Prior losses
3 in last 24 months
State
CA
Request
Renewal-targeted submission. Looking for $2M/$4M GL with WC coverage for 47 employees. Carrier-of-record letter included.
Output snapshot
Decision
refer
Carrier
Hartford CRC
Rationale
Account is borderline on two appetite rules. Industry is in scope and the carrier-of-record letter is clean, but revenue is 12% over standard cap and loss frequency exceeds threshold. Recommending referral to underwriter for facultative pricing rather than auto-decline.
Flagged rules
- revenue_within_cap
- loss_count_within_threshold
Routing reasoning
Reason code
appetite_borderline
Why HITL
Two validators failed (revenue_within_cap, loss_count_within_threshold) and confidence 0.55. Routing to HITL for underwriter review.
Validators
- PASSindustry_in_appetite
- FAILrevenue_within_capAnnual revenue exceeds $10M cap by 12%.
- FAILloss_count_within_threshold3 prior losses in 24mo exceeds threshold of 2.
Confidence
0.55
55% · threshold for auto-approve typically 0.85
- industry_in_appetiteNAICS 238210 (electrical contractors) is in scope.+0.10
- revenue_in_bandAnnual revenue $11.2M is above standard appetite cap of $10M.-0.18
- prior_loss_pattern3 prior GL losses in 24 months. Two with bodily injury severity.-0.22
Agent
Name
Coverage Eligibility
ID
agent_eligibility
Version
v1.9.4
Model
claude-sonnet-4-6
Started at
2026-05-02T05:17:57.134Z
Duration
2.9s
Tokens in
120
Tokens out
97
Agent chat
v1.9.4Coverage Eligibility
I
Agent chat
v1.9.4Coverage Eligibility
I
Input snapshot
Applicant
Northbay Electrical Services, Inc.
Line
Commercial GL + Workers Comp Package
NAICS
NAICS 238210
Revenue
$11,200,000
Prior losses
3 in last 24 months
State
CA
Request
Renewal-targeted submission. Looking for $2M/$4M GL with WC coverage for 47 employees. Carrier-of-record letter included.
Output snapshot
Decision
refer
Carrier
Hartford CRC
Rationale
Account is borderline on two appetite rules. Industry is in scope and the carrier-of-record letter is clean, but revenue is 12% over standard cap and loss frequency exceeds threshold. Recommending referral to underwriter for facultative pricing rather than auto-decline.
Flagged rules
- revenue_within_cap
- loss_count_within_threshold
Agent
Name
Coverage Eligibility
ID
agent_eligibility
Version
v1.9.4
Model
claude-sonnet-4-6
Started at
2026-05-02T05:17:57.134Z
Duration
2.9s
Tokens in
120
Tokens out
97