Lemonade LMND Pet — Ceded unpaid loss and LAE

Other product segments

Similar metrics at other companies

AFGProperty and casualty insurance — Unpaid losses and LAE, net of reinsurance (excluding unallocated LAE)

$8.48B+6.5%

AFGProperty and casualty insurance — Reserves for claims and unpaid losses and LAE

$15.09B+6.5%

ACGLProperty catastrophe — Liabilities for losses and loss adjustment expenses, net of reinsurance

92,000,000,000%+10,800,000,000pp

FRHCProperty Damage — Cumulative paid losses and LAE, net of reinsurance

$3.58M+563%

FRHCLife Insurance — Cumulative paid losses and LAE, net of reinsurance

$296K+202%

WTMProperty and Accident & Health — Unpaid loss and LAE reserves, net of reinsurance recoverables on unpaid losses

$573.1M+7.4%

Questions, answered.

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.