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, Inc. (LMND) – Form 4 filed 02-Jul-2025
Chief Financial Officer Timothy E. Bixby reported two same-day transactions dated 30-Jun-2025:
- Option exercise (Code “M”): 11,000 stock options exercised at an exercise price of $23.69.
- Open-market sale (Code “S”): the 11,000 resulting shares were sold at an average price of $42.69 under a Rule 10b5-1 plan adopted 12-Dec-2024.
After the transactions, Bixby’s direct ownership declined from 274,393 to 263,393 shares. He also holds 30,000 shares indirectly through the Timothy E. Bixby Family Trust, over which he has full voting and dispositive control. In addition, he retains 300,300 stock options outstanding after the exercise.
The option exercised was already fully vested and carries a 09-25-2029 expiration date. No other executives were included in this filing, and no operational or financial performance metrics were disclosed.
While insider sales can signal several motives (liquidity, diversification, tax), the modest size relative to Bixby’s remaining stake and the pre-arranged 10b5-1 plan suggest limited informational value for long-term shareholders.
Form 144 filing for Lemonade, Inc. (LMND) discloses a proposed sale of 11,000 common shares through Fidelity Brokerage Services on 06/30/2025. The shares carry an aggregate market value of $469,590, implying an indicative price of roughly $42.69 per share. Outstanding shares reported in the filing total 73,266,170, so the planned sale represents about 0.015 % of shares outstanding, a de-minimis ownership impact.
The form also summarizes insider activity over the preceding three months. Six transactions executed by Timothy E. Bixby between 06/03/2025 and 06/23/2025 amounted to 33,916 shares sold, yielding gross proceeds of ≈$1.394 million. Combining those sales with the new notice brings total disclosed dispositions to 44,916 shares since early June 2025.
While the filing does not list the seller’s formal relationship to the company, the repeated sales could signal ongoing personal liquidity moves or portfolio rebalancing. From a capital-structure perspective, the quantities are immaterial; however, continuing insider divestitures may weigh modestly on near-term investor sentiment.
Lemonade Chief Operating Officer Adina Eckstein executed a significant insider transaction on June 23, 2025, involving both the exercise of stock options and subsequent sale of shares:
- Exercised 5,000 stock options at $23.69 per share
- Immediately sold 5,000 shares at $45.00 per share
- The sale was conducted under a pre-established Rule 10b5-1 trading plan from December 5, 2024
- After the transactions, Eckstein holds 189,653 shares directly and 1,250 stock options
The transaction resulted in a gross profit of approximately $106,550 (($45.00 - $23.69) × 5,000 shares). The options were fully vested at the time of exercise, with an original expiration date of September 25, 2029.
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