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Lemonade LMND Pet — Ceded unpaid loss and LAE
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Where this comes from
Reported directly by Lemonade in its filing.
Tagged under the XBRL concept us-gaap:ReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments.
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, 2020 | December 31, 2021 | December 31, 2022 | December 31, 2023 | December 31, 2024 | December 31, 2025 |
|---|---|---|---|---|---|---|
| 2022 | — | — | 21.8 | 25.1 | 25.1 | 25.1 |
| 2023 | — | — | — | 45.8 | 48.9 | 49.0 |
| 2024 | — | — | — | — | 67.6 | 71.8 |
| 2025 | — | — | — | — | — | 118.9 |
| Total paid losses and ALAE, net | $275.0 | |||||
| Total unpaid loss and ALAE reserves, net | $10.8 | |||||
| Ceded unpaid loss and ALAE | 6.6 | |||||
| Gross unpaid loss and ALAE | $17.4 |
Item 8. Financial Statements and Supplementary Data
FAQ
- What is Lemonade's pet — ceded unpaid loss and LAE?
- Lemonade (LMND) reported pet — ceded unpaid loss and LAE of $6.6M in Q4 2025.
- How has Lemonade's pet — ceded unpaid loss and LAE changed year-over-year?
- Lemonade's pet — ceded unpaid loss and LAE increased by 6.5% year-over-year, from $6.2M to $6.6M.
- What does pet — ceded unpaid loss and LAE mean?
- This metric quantifies the portion of unpaid loss and loss adjustment expense reserves that have been transferred to reinsurers for the pet insurance segment. It highlights the company's risk mitigation strategy by showing how much of the potential future claim liability is covered by third-party partners. A higher value indicates a greater reliance on reinsurance to manage underwriting volatility.
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