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Lemonade LMND Reserve for insurance claims

Reserve for insurance claims at other companies

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AllstateALL
$41.32B-5.7%
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AssurantAIZ
$2.17B-15.6%
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$548.53M+0.3%
Ally Financial logo
Ally FinancialALLY
$251M-6.3%
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Berkshire HathawayBRK.B
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Cincinnati FinancialCINF

Segments

By product

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Property Insurance$193.5M+0.2%
Car$92.2M-1.6%
Pet$17.4M+58.2%

Other financials

Income statement

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Revenue$258.0M+70.6%
Net income-$35.8M+42.6%
EPS (diluted)-$0.47+45.3%

Balance sheet

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Cash & equivalents$386.5M+20.9%
Total debt$20.8M-4.6%
Total equity$518.0M-5.0%
Total assets$2.0B+5.5%

Cash flow

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Operating cash flow-$600.0K+98.7%
CapEx$3.5M+52.2%
Free cash flow-$4.1M+91.7%

Valuation

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Market cap$4.52B+109%

Profitability

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Net margin-16.4%-6.0pp
FCF margin-15.4%-6.4pp

Returns & leverage

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Return on equity-26.1%-5.5pp
Debt / equity0.0×

Where this comes from

Reported directly by Lemonade in its filing.

Tagged under the XBRL concept us-gaap:LiabilityForClaimsAndClaimsAdjustmentExpense.

The official record: Lemonade’s 10-Q, filed April 30, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Lemonade's reserve for insurance claims?
Lemonade (LMND) reported reserve for insurance claims of $308.8M in Q1 2026.
How has Lemonade's reserve for insurance claims changed year-over-year?
Lemonade's reserve for insurance claims increased by 0.5% year-over-year, from $307.3M to $308.8M.
What is the long-term trend for Lemonade's reserve for insurance claims?
Over 5 years (2020 to 2025), Lemonade's reserve for insurance claims has grown at a 45.6% compound annual growth rate (CAGR), from $46.3M to $303.1M.
What does reserve for insurance claims mean?
This liability represents the estimated total cost for all insurance claims that have been reported but not yet settled, as well as an estimate for claims that have been incurred but not yet reported. It is a fundamental measure of the company's long-term financial obligations and actuarial accuracy. Adequacy of these reserves is essential for maintaining solvency and regulatory compliance.