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Lemonade LMND Property Insurance — 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, 2016 | December 31, 2017 | December 31, 2018 | December 31, 2019 | December 31, 2020 | December 31, 2021 | December 31, 2022 | December 31, 2023 | December 31, 2024 | December 31, 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| 2022 | — | — | — | — | — | — | 52.7 | 85.5 | 90.7 | 92.7 |
| 2023 | — | — | — | — | — | — | — | 88.9 | 122.3 | 128.3 |
| 2024 | — | — | — | — | — | — | — | — | 89.1 | 123.6 |
| 2025 | — | — | — | — | — | — | — | — | — | 96.2 |
| Total paid losses and ALAE, net | $612.9 | |||||||||
| Total unpaid loss and ALAE reserves, net | $105.4 | |||||||||
| Ceded unpaid loss and ALAE | 88.1 | |||||||||
| Gross unpaid loss and ALAE | $193.5 |
Item 8. Financial Statements and Supplementary Data
FAQ
- What is Lemonade's property insurance — ceded unpaid loss and LAE?
- Lemonade (LMND) reported property insurance — ceded unpaid loss and LAE of $88.1M in Q4 2025.
- How has Lemonade's property insurance — ceded unpaid loss and LAE changed year-over-year?
- Lemonade's property insurance — ceded unpaid loss and LAE decreased by 19.4% year-over-year, from $109.3M to $88.1M.
- What does property insurance — ceded unpaid loss and LAE mean?
- This metric quantifies the portion of unpaid loss and loss adjustment expense reserves that the company expects to recover from its reinsurers. It represents the value of the risk transferred to third-party partners for claims that are currently outstanding. High levels of ceded reserves indicate a significant reliance on reinsurance to manage underwriting risk.
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