Italian insurtech startup Liablix has secured €1.2 million in pre-seed funding to modernise one of the insurance sector’s most costly and error-prone workflows: motor-claims liability assessment. The round was led by DFF Ventures, with participation from FJ Labs, Plug and Play and several angel investors.
Liability determination remains one of the insurance industry’s most influential cost drivers. Fraud alone is estimated to generate losses of $6.8 billion to $9.3 billion annually. Yet much of the process still relies on human interpretation of photos, statements and incident reports — methods vulnerable to inconsistency and subjective judgment.
Liablix seeks to replace that subjectivity with physics-based, evidence-driven evaluations. Its platform converts collision images and incident data into precise 3D reconstructions that reveal accident dynamics, verify compatibility of damages and assess whether reported injuries align with reconstructed scenarios. The approach aims to shorten decision timelines while reducing inaccurate payouts and fraud-related losses.
The system is built specifically for real-world claims operations, combining AI, 3D modelling and physics simulation with legally admissible reporting designed for insurance teams, auditors and courts. By automating one of claims handling’s most time-intensive steps, Liablix targets operational bottlenecks that large insurers have long struggled to resolve.
CTO and Co-Founder Davide Moricoli said the company’s ambition is to bring scientific rigor to a specialised domain known for complexity:
“Our goal is to innovate a highly specialised market by applying advanced physics and building software that is exceptionally difficult to replicate. Demand signals are clear, but the technological complexity required to solve this problem has historically been extremely high.”
With its new capital, Liablix plans to expand internationally, focusing on insurers with high fraud exposure and slow, manual claims processes. The company aims to partner with global carriers seeking to modernise liability workflows without overhauling their entire infrastructure.
Editorial Analysis: Why Liablix Is Positioned for High-Impact Growth
The insurance industry has spent years chasing efficiency through digital transformation, yet claims liability — arguably the most financially consequential step — has remained stubbornly analogue. Liablix enters at a pivotal moment, offering not incremental improvement but structural redefinition. By grounding decisions in physics-driven simulation rather than scattered human interpretation, the company enables insurers to move toward a future in which claim outcomes are significantly more consistent, defensible and resilient against fraud.
What distinguishes Liablix is not merely the technology but its timing. Insurers worldwide are pushing to reduce leakage, defend loss ratios and modernise legacy processes without undertaking massive IT replacements. The platform’s ability to integrate into existing workflows while delivering measurable financial impact could accelerate adoption across markets where fraud detection remains underdeveloped.
If scaling continues as planned, Liablix could become a foundational tool for global carriers looking to anchor decisions in objective evidence. Its blend of deep-tech expertise and real-world insurance applicability positions the company to influence how the next generation of claims infrastructure is designed.
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