Founded in 2022 by two renowned experts in the insurTech sphere, Guillaume Laurent and Nicolas Chabauty, Certificall has established itself as a trusted third party for visual evidence, offering insurers, brokers, and large industries a solution that is fast, certifying, and cost-effective. The start-up counts eight employees and supports more than 150 major accounts and 20,000 users with the certification of legally-standing photos and videos.
The cost of insurance fraud represents approximately 5% of property and casualty insurance premiums in France, amounting to over €695 million euros in identified fraud in 2023. This has grown to €902 million in 2024, according to the French Insurance Fraud Prevention Agency, largely due to the increasing use of artificial intelligence tools. This is precisely the problem that Certificall addresses, by making evidence reliable as soon as it is captured.
Certificall addresses this issue with a technological architecture designed to guarantee the probative value of each piece of evidence from the moment it is captured. This architecture is based on four complementary pillars: geolocation, a tamper-proof certificate, qualified time stamping, and the eIDAS signature seal.
Guillaume Laurent, President and co-founder, explained: “The increase in fraud in 2021-2022 was just the beginning. Over the past two years, generative AI has become increasingly sophisticated and accessible to everyone. Today, our priority is to block fraud at the source. With Certificall, every photo or video becomes reliable and legally admissible proof as soon as it is captured. Our customers see for themselves how fast and effective the solution is: each report takes an average of 90 seconds, and we have already certified more than 3 million photos.”
A market driven by the European eIDAS regulation
The digitization of banking and financial tools is redefining the relationship between financial services, insurance companies, and their customers. By 2030, the European Union aims to equip 80% of its citizens with a digital identity wallet, representing approximately 360 million people. This initiative is a major lever for companies wishing to guarantee the integrity of their digital proofs while complying with the most demanding legal standards, and opens up new opportunities in sectors where document reliability is crucial.
Certificall fully complies with this European regulatory framework, in particular with eIDAS (Electronic Identification, Authentication and Trust Services), which sets strict standards for electronic identification and trust services. This regulation ensures that digital proofs produced by trusted third parties are legally admissible throughout the European Union.
“The digitization of customer journeys through self-care tools (tools managed independently) and eIDAS compliance are key factors for our European customers and will be a priority for companies in 2026. According to our research, 73% of insurers plan to invest strategically in self-care solutions. Our eIDAS compliance ensures that certified photos and videos are tamper-proof and have probative value in court, regardless of the country. This strengthens confidence in our solutions and effectively addresses the growing challenge of digital fraud,” commented Nicolas Chabauty, CEO and co-founder.
“The boom in insurance fraud, exacerbated by the growing use of artificial intelligence, reinforces the need for robust, automated certification solutions. Certificall provides a leading-edge technological response by enabling insurers to certify, secure, and streamline their underwriting, prevention, and claims processes. We were particularly impressed by the complementary skills and dedication of the founding team, which combines strategic vision with operational excellence. This fundraising will enable them to accelerate their development and make Certificall the European benchmark for digital proof applied to insurance.” said Jeremy Pouyer, CEO of Tomcat.
Read the orginal article: https://ffnews.com/newsarticle/funding/certificall-completes-e1-million-seed-round-to-strengthen-its-position-in-the-european-market/
