{"schema_version":"secwatch.filing_event.v1","accession":"0001691421-21-000077","form_type":"8-K","ticker":"LMND","cik":"0001691421","company_name":"Lemonade, Inc.","filed_at":"2021-08-04T23:59:59+00:00","discovered_at":"2026-05-14T18:04:19.221304+00:00","generated_at":"2026-06-29T22:42:27.579346+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Lemonade Q2 IFP up 91% to $297M; net loss $55.6M; reinsurance cut to 70% cede","bullets":["IFP $296.8M (+91% YoY); customers 1.21M (+48%); premium per customer $246 (+29%)","Net loss $55.6M ($0.90/share) vs $21.0M loss in Q2 20; adjusted EBITDA loss $40.4M","Quota share reinsurance renewed; cede reduced from 75% to 70% starting Q3 21","Q3 21 guidance: IFP $336-339M, revenue $32.5-33.5M, adj. EBITDA loss $52-55M","Lemonade Car development continues but launch date not yet announced"],"urls":{"canonical":"https://secwatch.observer/filing/0001691421-21-000077","json":"https://secwatch.observer/filing/0001691421-21-000077.json","markdown":"https://secwatch.observer/filing/0001691421-21-000077.md","text":"https://secwatch.observer/filing/0001691421-21-000077.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1691421/000169142121000077/0001691421-21-000077-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1691421/000169142121000077/lmnd-20210804.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-29T22:42:27.579346+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}