Welcome to our dedicated page for Lemonade SEC filings (Ticker: LMND), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to Lemonade, Inc. (NYSE: LMND) SEC filings, offering a view into how the digital insurer reports its business, risks, and governance. Lemonade operates full stack insurance carriers in the US and EU and offers renters, homeowners, car, pet, and life insurance powered by artificial intelligence and social impact. Its filings with the U.S. Securities and Exchange Commission detail financial results, material agreements, and board-level changes.
Investors can review current and historical reports such as annual reports on Form 10-K and quarterly reports on Form 10-Q, which include discussions of risk factors like profitability, reinsurance availability, regulatory oversight, reliance on artificial intelligence and telematics, catastrophe exposure, and its status as a public benefit corporation and Certified B-Corp. These reports also describe how Lemonade uses technology, data, and reinsurance to support its property and casualty insurance operations.
Current reports on Form 8-K highlight specific events, including earnings announcements via shareholder letters, entry into material definitive agreements such as its reinsurance program with reinsurers Hannover Ruck SE and MAPFRE Re, and appointments of new directors to the board. These filings outline key terms of reinsurance arrangements, changes in quota share levels, and compensation structures for non-employee directors.
On Stock Titan, Lemonade’s SEC filings are updated in near real time as they appear on EDGAR. AI-powered summaries help explain lengthy documents by extracting the main points from 10-K and 10-Q reports, clarifying complex risk disclosures and business descriptions. Users can also review Form 8-K items related to results of operations, governance changes, and material contracts, as well as monitor other filing types and any reported insider-related information through the underlying SEC documents.
Lemonade (LMND) reported Q3 2025 results with total revenue of $194.5 million, up from $136.6 million a year ago, as net earned premium rose to $140.0 million. The company’s net loss narrowed to $37.5 million from $67.7 million, and loss per share improved to $0.51 from $0.95.
Cash, cash equivalents and restricted cash were $355.5 million as of September 30, 2025, compared with $385.7 million at year-end 2024. Investments increased to $705.3 million. Borrowings under the customer investment financing agreement rose to $139.0 million. Shares outstanding were 74,731,027 as of November 4, 2025.
Lemonade recorded favorable prior-year reserve development of $18.9 million year-to-date and recognized wildfire-related net incurred loss of $19.9 million for January 2025 events, alongside a $6.9 million California FAIR Plan assessment. The quota-share reinsurance program was renewed effective July 1, 2025 at an approximately 20% cession rate, down from 55% in the prior period, with other terms similar.
Lemonade, Inc. (LMND) reported it has released financial results for the three and nine months ended September 30, 2025, via a shareholder letter. The company furnished the full text as Exhibit 99.1 to a current report. The materials are furnished, not filed, under the Exchange Act, and are not subject to Section 18 liabilities or incorporated by reference except as specifically noted.
Lemonade, Inc. (LMND) reported an insider equity grant. Director Geoff Seeley acquired 3,119 shares of common stock on 10/07/2025 at a stated price of $0, reflecting an award of restricted stock units (RSUs).
The filing notes the RSU award will vest in three equal annual installments, and each RSU represents a right to receive one share of common stock. Following the reported transaction, beneficial ownership was 3,119 shares, held directly.
Lemonade, Inc. (LMND) disclosed a routine insider equity grant. Director Prashant Ratanchandani received 3,337 restricted stock units on 10/16/2025, reported as an acquisition at $0 per unit. Each RSU represents the right to receive one share of common stock and will vest in three equal annual installments.
Following this grant, the reporting person beneficially owned 3,337 shares directly, reflecting the awarded RSUs. The filing was signed by an attorney-in-fact on the reporting person’s behalf.
Lemonade, Inc. (LMND) reported a new insider status change: director Geoff Seeley filed a Form 3 for an event dated 10/06/2025. The filing states that no securities are beneficially owned by the reporting person. The submission was made as a single filer, with no entries in either the non-derivative or derivative tables.
Lemonade, Inc. (LMND) reported an insider ownership update. A company director filed a Form 3 on 10/16/2025. The filing states that no securities are beneficially owned.
This is an administrative disclosure about insider holdings and does not reflect any purchase, sale, or other transaction.
Lemonade, Inc. appointed Prashant Ratanchandani to its Board effective October 15, 2025. He will serve as a Class II director through the company’s 2028 annual meeting, continuing until a successor is elected and qualified or earlier departure events.
Under the company’s Non‑Employee Director Compensation Policy, he is eligible for an annual cash retainer of $30,000 (earned quarterly), an initial RSU award valued at $175,000 vesting in equal annual installments over three years, and, following each annual meeting, an annual RSU award of $150,000 vesting on the first anniversary of grant. He entered into the standard director indemnification agreement. The company states there were no appointment arrangements, no family relationships, and no related‑party transactions requiring disclosure.
Lemonade, Inc. reported that its Board of Directors appointed Geoff Seeley as a Class I director effective October 6, 2025. His term will run until the 2027 annual stockholders’ meeting, when his successor is elected and qualified, or earlier if he leaves the role.
Seeley will receive an annual cash retainer of $30,000 for Board service. He is also granted an initial restricted stock unit award valued at $175,000, vesting in equal annual installments over three years, and will be eligible for annual RSU awards of $150,000 after each stockholders’ meeting, vesting after one year. The company states there are no special arrangements or family relationships tied to his appointment and that he has no material interests in related-party transactions.
Michael A. Eisenberg, a director of Lemonade, Inc. (LMND), reported a charitable donation of 4,000 shares of common stock on 09/12/2025, receiving no consideration. After the reported transaction his directly held shares total 200,452. He also reports indirect holdings of 89,331 shares held directly by Aleph-Aleph LP and 890,167 shares held directly by Aleph, L.P.; he states he may be deemed to share voting and investment power over those entity holdings but disclaims beneficial ownership except to the extent of his pecuniary interest. The Form 4 is signed by Eisenberg on 09/16/2025.
Maya Prosor, Chief Business Officer of Lemonade, Inc. (LMND), reported a non-discretionary sale of 282 shares of Lemonade common stock on 09/03/2025 at a reported price of $50.34 per share to cover tax withholding related to the vesting and settlement of restricted stock units. After the transaction, Prosor directly beneficially owns 7,825 shares and indirectly owns 29,286 shares through Cohen Holdings, LLC, of which she is the owner and retains voting and dispositive control. The Form 4 was signed by an attorney-in-fact on 09/05/2025.