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Lemonade LMND Car — Ceded unpaid loss and ALAE
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Where this comes from
Reported directly by Lemonade in its filing.
Tagged under the XBRL concept lmnd:AdjustedReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustment.
The source filing: Lemonade’s 10-K, filed February 25, 2026.
- Filed
- Feb 25, 2026, 4:21 PM EST
- Fiscal year
- FY2025
- Accession
- 0001691421-26-000016
| Accident Year | December 31, 2016 | December 31, 2017 | December 31, 2018 | December 31, 2019 | December 31, 2020 | December 31, 2021 | December 31, 2022 | December 31, 2023 | December 31, 2024 | December 31, 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| 2022 | — | — | — | — | — | — | 45.4 | 74.0 | 81.4 | 85.7 |
| 2023 (3) | — | — | — | — | — | — | — | 43.2 | 58.4 | 60.3 |
| 2024 (3) | — | — | — | — | — | — | — | — | 31.8 | 49.9 |
| 2025 (3) | — | — | — | — | — | — | — | — | — | 31.7 |
| Total paid losses and ALAE, net | $437.9 | |||||||||
| Total unpaid loss and ALAE reserves, net (2) | $53.1 | |||||||||
| Ceded unpaid loss and ALAE | $39.1 | |||||||||
| Gross unpaid loss and ALAE | $92.2 |
Item 8. Financial Statements and Supplementary Data
FAQ
- What is Lemonade's car — ceded unpaid loss and ALAE?
- Lemonade (LMND) reported car — ceded unpaid loss and ALAE of $39.1M in Q4 2025.
- What does car — ceded unpaid loss and ALAE mean?
- This represents the portion of unpaid loss and loss adjustment expense reserves that the company has transferred to reinsurers for the car insurance segment. It indicates the extent to which the company mitigates its risk exposure by sharing potential claim costs with third-party partners. A higher value suggests a greater reliance on reinsurance to manage automotive underwriting volatility.
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