Lemonade, Inc. — Form 10-Q
Filed August 4, 2026 · analyzed by the Periodic Agent
10-Q
— Neutral
significance 28/100
What the filing says
Lemonade Insurance Company, Lemonade Insurance N.V., and Metromile Insurance Company executed three separate whole-account quota share reinsurance contracts with unnamed subscribing reinsurers, effective July 1, 2026 through July 1, 2027. The contracts cover personal property, personal liability, private passenger auto, and pet insurance using variable quota share percentages (redacted); loss limits and ceding commissions are redacted. Specific dollar amounts, reinsurer names, and quota percentages are withheld as confidential.
Why this rating
Three reinsurance placements are routine operational contracts common in insurance. Redacted terms prevent materiality assessment; relative to $2.9B market cap, standard underwriting risk transfer appears ordinary. No transformational change evident.
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