Open Liability

Open Liability represents a specialized vertical of the 2026 AI landscape, specifically targeting the insurance claims lifecycle. The platform utilizes advanced transformer models fine-tuned on multi-jurisdictional legal codes and historical settlement data to perform high-fidelity liability determinations. Architecturally, Open Liability employs a proprietary Reasoning Engine that moves beyond simple text extraction; it performs temporal event sequencing from police reports, witness statements, and dashcam transcripts to establish fault percentages. This approach significantly reduces Loss Adjustment Expense (LAE) by automating the initial 80% of liability investigation. Positioned as an enterprise-grade middleware, it integrates directly into core claim systems like Guidewire and Duck Creek via a high-performance REST API. For 2026, the tool has expanded into predictive litigation risk, alerting adjusters when a claim exhibits characteristics of high-value plaintiff litigation. It is a critical component for carriers seeking to maintain competitive combined ratios through automated, data-backed subrogation identification and accurate initial fault assessment.