---
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"
generated_at: "2026-06-29T22:42:27.579346+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Lemonade Q2 IFP up 91% to $297M; net loss $55.6M; reinsurance cut to 70% cede

## Summary
- 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

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001691421-21-000077
- JSON: https://secwatch.observer/filing/0001691421-21-000077.json
- Plain text: https://secwatch.observer/filing/0001691421-21-000077.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.