Lemonade LMND Pet — Total unpaid loss and ALAE reserves, net

Other product segments

Similar metrics at other companies

TRVUnallocated Loss Adjustment Expense Reserve — Liability for Unpaid Claims and Claims Adjustment Expense, Net

$3.06B+6.3%

CINFExcess and Surplus Lines Insurance — Total liabilities for loss and ALAE, net of reinsurance

$1.19B+17.4%

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

$573.1M+7.4%

HIGP&C Business Insurance — Unpaid losses and loss adjustment expenses

$33.18B+5.7%

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

$15.09B+6.5%

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

50,100,000,000%+11,200,000,000pp

Questions, answered.

What is Lemonade's pet — total unpaid loss and ALAE reserves, net?

Lemonade (LMND) reported pet — total unpaid loss and ALAE reserves, net of $10.8M in Q4 2025.

How has Lemonade's pet — total unpaid loss and ALAE reserves, net changed year-over-year?

Lemonade's pet — total unpaid loss and ALAE reserves, net increased by 125.0% year-over-year, from $4.8M to $10.8M.

What does pet — total unpaid loss and ALAE reserves, net mean?

This represents the total net liability for claims that have been reported but not yet fully settled within the pet insurance segment. It reflects the company's commitment to future payouts and is a primary measure of balance sheet strength regarding insurance obligations. High reserve levels relative to premiums may indicate conservative underwriting or a high volume of pending claims.