Lemonade LMND Car — Ceded unpaid loss and ALAE

Similar metrics at other companies

CINFCommercial Auto Line — Cumulative paid losses and ALAE as reported within the triangles, net of reinsurance

178,900,000,000%+137,900,000,000pp

SIGICommercial automobile — Reinsurance Recoverable for Unpaid Claims and Claims Adjustments

$17.69M+19.7%

CINFCommercial Auto Line — Total liabilities for loss and ALAE, net of reinsurance

100,700,000,000%+13,600,000,000pp

CBGlobal Reinsurance Casualty — Ceded unpaid loss and allocated loss adjustment expense

$156M+13.9%

CBGlobal Reinsurance Non Casualty — Ceded unpaid loss and allocated loss adjustment expense

$100M+20.5%

CINFPersonal Auto — Cumulative paid losses and ALAE as reported within the triangles, net of reinsurance

205,500,000,000%+166,600,000,000pp

Questions, answered.

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.