UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 or TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ___________________ to ___________________ Commission File Number: 001-39367 Lemonade, Inc. (Exact Name of Registrant as Specified in Its Charter) (State or other ...

Metromile, Inc. (MILE) Q2 2021 Earnings Conference Call August 9, 2021 5:00 PM ET Company Participants Garrett Edson - ICR Dan Preston - Chief Executive Officer Troy Dye - Senior Vice President, Growth Regi Vengalil - Chief Financial Officer Conference Call Participants Josh Siegler - Cantor Fitzgerald Gary Ransom - Dowling & Partners Christopher Martin - KBW Operator Greetings, welcome to the Metromile, Incorporated Second Quarter 2021 Earnings Call. At this time, all participants are in a listen-only mode ...

Summary of Lemonade, Inc. Conference Call Company Overview - **Company**: Lemonade, Inc. (NYSE: LMND) - **Industry**: Insurtech, specifically in the Property and Casualty (P&C) insurance sector - **Unique Position**: Full stack insurance provider, writing policies on its own paper and taking risks on its balance sheet rather than acting as an agent for incumbent insurers [3][4] Core Business Strategy - **Product Expansion**: Lemonade has been gradually expanding its product offerings, starting with renter's insurance, then homeowners, pet insurance, and recently announced plans for car insurance [4][6] - **Geographic Expansion**: The company operates in most of the U.S. and has launched in three European countries (Netherlands, Germany, France) with plans for further expansion [5] Auto Insurance Launch - **Customer Base**: Over 1.1 million customers, with approximately 70% owning cars, indicating a strong market for auto insurance [7] - **Product Development**: The auto insurance product is under development, with a focus on managing the entire customer experience and claims process [10][13] - **Market Timing**: Acknowledgment of a challenging auto insurance market due to increased driving and flat pricing, but Lemonade believes its agility and technology will provide a competitive advantage [12][13] Financial Performance and Metrics - **Loss Ratios**: Historically low loss ratios in the 70s for homeowners and renters, with expectations to replicate this success in auto insurance [14][15] - **Data Advantage**: Significant data collection (1,700 data points per customer) allows for better risk assessment and pricing strategies [15] - **Retention Metrics**: Emphasis on annual dollar retention, particularly as the customer base shifts towards homeowners, which are generally more stable and predictable [21] Risk Management - **Catastrophe Risk**: The company is aware of the inherent risks in homeowners insurance and believes its multi-line approach mitigates exposure [23] - **Reinsurance Structure**: No material changes expected in reinsurance programs despite entering the auto market, with a significant portion of premiums and losses covered by existing structures [17] Customer Experience and Technology - **AI Utilization**: Lemonade leverages AI for claims handling, focusing on customer satisfaction through quick responses, whether automated or human [33][34] - **Customer Feedback**: Customers prioritize service quality over the technology used, indicating a focus on meeting customer needs effectively [34] Future Outlook - **Growth Projections**: Lemonade aims to continue expanding its product portfolio, with plans for additional coverage types like umbrella and travel insurance [44] - **Market Position**: The company sees itself well-positioned to capture market share in a large and growing insurance market, with a focus on customer experience and innovative product offerings [42][44] Conclusion - Lemonade, Inc. is strategically positioned in the insurtech space with a focus on expanding its product offerings and geographic reach while leveraging technology to enhance customer experience and operational efficiency. The company is optimistic about its future growth potential, particularly in the auto insurance market, despite current industry challenges.

" . 0" May 2021 metromile 81 Disclaimer This presentation contains "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements may be identified by the use of words such as "anticipate," "believe, "continue," "could," "estimate," "expect," "intend," "may," "might," "outlook," "plan," "possible," "potential," "predict," "project," "seek," "should," "target," "will, "or "would," or the negative of such terms or other similar expressions t ...

Metromile, Inc. (MILE) Q1 2021 Earnings Conference Call May 17, 2021 5:00 PM ET Company Participants Garrett Edson - ICR Dan Preston - CEO, President, Secretary & Director Lindsay Alexovich - CAO & Treasurer Conference Call Participants Arvind Ramnani - Piper Sandler & Co. Joshua Siegler - Cantor Fitzgerald & Co. Jed Kelly - Oppenheimer Operator Greetings, and welcome to the Metromile, Inc. First Quarter 2021 Earnings Call. [Operator Instructions]. As a reminder, this conference is being recorded. It is now ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 or TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ___________________ to ___________________ Commission File Number: 001-39367 Lemonade, Inc. (Exact Name of Registrant as Specified in Its Charter) (State or other ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 for the transition period from to Commission file number: 001-39367 Lemonade, Inc. (Exact name of Registrant as specified in its charter) (State or other jurisdiction of incorporation or ...

Lemonade, Inc. (NYSE:LMND) Q4 2020 Earnings Conference Call March 2, 2021 8:00 AM ET Company Participants Yael Wissner-Levy - VP, Communications Daniel Schreiber - CEO and Co-Founder Shai Wininger - COO and Co-Founder Tim Bixby - CFO Conference Call Participants Mike Zaremski - Credit Suisse Mike Phillips - Morgan Stanley Matt Carletti - JMP Ralph Schackart - William Blair Ron Josey - JMP Securities Ross Sandler - Barclays Arvind Ramnani - Piper Sandler Operator Good morning, and welcome to the Lemonade, In ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q (Mark One) QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 or TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ___________________ to ___________________ Commission File Number: 001-39367 Lemonade, Inc. (Exact name of registrant as specified in its charter) 5 Crosby Stre ...

Lemonade, Inc. (NYSE:LMND) Q3 2020 Earnings Conference Call November 11, 2020 8:00 AM ET Company Participants Yael Wissner-Levy – Vice President Communications Daniel Schreiber – Chief Executive Officer and Co-Founder Shai Wininger – Chief Operating Officer and Co-Founder Tim Bixby – Chief Financial Officer Conference Call Participants Mike Phillips – Morgan Stanley Jason Helfstein – Oppenheimer & Company Ron Josey – JMP Securities Ross Sandler – Barclays Matt Carletti – JMP Heath Terry – Goldman Sachs Mike ...