{"schema_version":"secwatch.filing_event.v1","accession":"0001691421-26-000047","form_type":"8-K","ticker":"LMND","cik":"0001691421","company_name":"Lemonade, Inc.","filed_at":"2026-07-28T23:00:09+00:00","discovered_at":"2026-07-29T10:05:00.331782+00:00","generated_at":"2026-07-29T10:05:48.441219+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Lemonade Q2 IFP up 32% to $1.43B; Adj. EBITDA loss narrows 54%; expects positive Adj. EBITDA in Q4 2026","bullets":["IFP $1.43B (+32% YoY), revenue $294M (+79%), gross profit $113M (+76%).","Adj. EBITDA loss ($19)M, improved 54% YoY; net loss ($43)M in line with prior year.","LAE ratio dropped to 5% from 13% a year ago, a record low.","Reinsurance renewal reduces quota share to ~18%, expands catastrophe protection to $40M per event.","Guidance: Q3 Adj. EBITDA loss ($23)-($20)M; full year loss ($51)-($47)M; Q4 Adj. EBITDA positive ~$8M."],"urls":{"canonical":"https://secwatch.observer/filing/0001691421-26-000047","json":"https://secwatch.observer/filing/0001691421-26-000047.json","markdown":"https://secwatch.observer/filing/0001691421-26-000047.md","text":"https://secwatch.observer/filing/0001691421-26-000047.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1691421/000169142126000047/0001691421-26-000047-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1691421/000169142126000047/lmnd-20260729.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-29T10:05:48.441219+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"}