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Lemonade LMND Property Insurance — IBNR
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Where this comes from
Reported directly by Lemonade in its filing.
Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsIncurredButNotReportedIbnrClaimsLiabilityNet.
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 | December 31, 2025 / IBNR (2) | December 31, 2025 / Cumulative Number of Reported Claims |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2019 | — | — | — | 46.0 | 46.1 | 46.3 | 46.3 | 46.1 | 46.2 | 46.2 | — | 19,512 |
| 2020 | — | — | — | — | 53.0 | 51.5 | 51.5 | 52.4 | 52.4 | 52.6 | — | 30,372 |
| 2021 | — | — | — | — | — | 59.4 | 55.9 | 58.4 | 58.6 | 58.6 | 0.2 | 53,560 |
| 2022 | — | — | — | — | — | — | 96.5 | 92.6 | 93.8 | 94.0 | 1.4 | 56,105 |
| 2023 | — | — | — | — | — | — | — | 143.2 | 136.5 | 133.6 | 3.0 | 60,868 |
| 2024 | — | — | — | — | — | — | — | — | 154.7 | 138.9 | 9.0 | 68,389 |
| 2025 | — | — | — | — | — | — | — | — | — | 179.3 | 51.0 | 68,526 |
| Total incurred losses and ALAE, net | $718.3 | $64.6 | 369,633 |
Item 8. Financial Statements and Supplementary Data
FAQ
- What is Lemonade's property insurance — IBNR?
- Lemonade (LMND) reported property insurance — IBNR of $64.6M in Q4 2025.
- How has Lemonade's property insurance — IBNR changed year-over-year?
- Lemonade's property insurance — IBNR increased by 15.8% year-over-year, from $55.8M to $64.6M.
- What does property insurance — IBNR mean?
- This represents the estimated liability for claims that have occurred but have not yet been reported to the insurer by the policyholder. It is a critical actuarial reserve that ensures the company maintains sufficient capital to cover future claim settlements. A stable or predictable IBNR trend is essential for maintaining long-term financial solvency.
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