Lemonade LMND Car — Ceded unpaid loss and LAE

Other product segments

Similar metrics at other companies

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%

CBOther Segments — Ceded unpaid loss and allocated loss adjustment expense

$2.35B+53.9%

CINFConsolidated Property And Casualty Insurance — Ceded incurred loss and loss expenses

-$9M+98.2%

JXNLife — Ceded

$45M-3.7%

FRHCVehicle Owners — Cumulative paid losses and LAE, net of reinsurance

$103.54M+726%

Questions, answered.

What is Lemonade's car — ceded unpaid loss and LAE?

Lemonade (LMND) reported car — ceded unpaid loss and LAE of $39.1M in Q4 2025.

What does car — ceded unpaid loss and LAE mean?

This represents the portion of unpaid losses and loss adjustment expenses for the car insurance segment that has been transferred to reinsurers under existing agreements. It reflects the company's risk mitigation strategy and the extent to which third-party capital absorbs potential claims volatility. Monitoring this helps investors understand the net retained risk exposure versus the reliance on reinsurance partners.