Lemonade, Inc. — Investor Relations & Filings

Lemonade, Inc. is a technology-driven insurance company that offers a range of personal insurance products. Its portfolio includes renters, homeowners, car, pet health, and term life insurance. The company leverages artificial intelligence and chatbots to create a digital-first experience, enabling customers to purchase policies and file claims quickly through its mobile app and website. A key feature of its business model is the Lemonade Giveback program, where unclaimed premiums are donated to non-profit causes chosen by policyholders. The company operates on a fixed-fee model, taking a flat percentage of premiums to cover costs and profits, with the remainder allocated for paying claims and funding the Giveback program. Lemonade is structured as a public benefit corporation and is a certified B Corporation, legally incorporating social and environmental goals into its mission.