$LMND (+3,42 %) Best wishes to the Lemonade community.
Lemonade successfully relaunched its reinsurance program on 1 July 2025 and reduced its quota share from around 55% to just 20%. This step underlines the company's confidence in AI-supported claims assessment and shows that it intends to bear more premiums and risks itself in future. The core conditions and reinsurance partners remain unchanged. The lower cession will improve capital efficiency and increase margins - a decisive step towards profitability. At the same time, the protection provided by structured reinsurance remains in place. This brings Lemonade closer to traditional insurers in terms of risk distribution.
What do you think?