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PerceptoLab

AI-powered claims automation and fleet management platform for European insurance carriers and MGAs

Claims Technology Growth Bootstrapped
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Overview

PerceptoLab is a claims automation and fleet management technology provider serving insurance carriers, managing general agents (MGAs), and agencies across Europe. The company applies computer vision and machine learning to motor insurance and property insurance workflows, enabling faster claim resolution and remote risk assessment.

The company delivers white-label, B2B2C platforms that include a no-login mobile app for vehicle digitization, panoramic image stitching for damage documentation, and automated loss estimation with integrated digital payment processing. A patented anti-fraud detection module screens submissions for screen and side anomalies. The underwriting and fleet management tools extend coverage options and support risk mitigation through real-time monitoring.

Founded in 2017 by Cristian Mesiano (formerly a Senior Application Engineer at Swiss Re) and Simone Bassis, PerceptoLab operates from headquarters in Giussano, Italy, with an additional office in Munich, Germany. The company is bootstrapped and serves the Italian and German insurance markets with a team of deep learning researchers and computer vision engineers.

Products & Services

Motor Insurance Claims Platform

An end-to-end claims handling platform covering first notice of loss (FNOL) through certified settlement. Computer vision analysis, panoramic image stitching, and automated loss estimation reduce average claim assessment time to approximately 3 minutes. Insurers deliver the platform to policyholders via a white-labeled mobile app that requires no account login.

Key Features

  • No-login native mobile app for vehicle digitization
  • Hi-res panoramic stitching for damage documentation
  • Automated loss estimation with certified settlement and digital payments
  • Patented anti-fraud detection (screen and side detection)

Target Users: Insurance carriers, MGAs/MGUs

Fleet Management Solution

Real-time fleet status monitoring combined with certified vehicle assessments to support commercial motor insurance. Customers report approximately 20% reduction in commercial fleet claims through proactive monitoring and pre-loss condition documentation.

Key Features

  • Real-time fleet status monitoring
  • Certified vehicle condition assessments
  • Claims reduction analytics for commercial fleets

Target Users: Commercial carriers, fleet insurers

Smart Home Insurance Platform

Remote property assessment tools enabling insurers to accelerate claim resolution for homeowners policies and expand coverage options without requiring on-site inspections.

Key Features

  • Remote property assessment via mobile
  • Accelerated claim resolution workflows
  • Expanded coverage options for carriers

Target Users: P&C carriers, property MGAs

Underwriting Platform

Automated risk assessment and mitigation models that extend coverage options and support underwriting decisions for motor and property lines.

Key Features

  • Automated risk scoring and mitigation models
  • Coverage expansion tools
  • Integration with claims data for underwriting feedback loops

Target Users: Carriers, MGAs/MGUs

At a Glance

Founded
2017
Headquarters
Giussano, Lombardia, Italy
Employees
11-50
Funding
Bootstrapped

Category & Focus

Category
Claims Technology
Subcategories
Claims Automation FNOL Fraud Detection Fleet Management Underwriting
Insurance Verticals
P&C Personal P&C Commercial
Target Customers
Carriers, MGAs/MGUs

Links

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Last updated: 2026-06-25