Lemonade Agentic
Building the world's first fully agentic insurance.
Insurance. Complete.
Eleven years into our vision of an autonomous organization, humanity is on the verge of the second AI revolution: personal agents that become our alter egos. They know us, look out for us, understand what we need, and take care of things while we sleep.
The way we interact with businesses is about to change dramatically. Personal agents will take the hassle out of our lives, freeing us from chores we’ve always had to put up with. Before long, doing your taxes, managing your money, or dealing with insurance manually will feel like smoking on an airplane: something people used to do and can’t quite believe they did.
To prepare for this moment, we’ve spent the past decade building our own technology stack, designed to make insurance more precise, more efficient, and more delightful. But above all, built for autonomy from the ground up. We call it Lemonade OS.
- Get a quote
- Track a claim
- Upload claim photos
- Get proof of insurance
- Update your address
- Buy a policy
- Renew
- Change coverage
- File a claim
- Update payment details
- Add a driver or pet
- Change your deductible
- Add a home or car
- Bundle policies
- Add a valuable item
- Cancel a policy
Until recently, though, we could only build half the story: our half. But now, with personal agents becoming mainstream, our vision of an autonomous experience can finally come to life.
This is a defining moment for insurance, and one we believe will reshape the industry for years to come. For over a century, insurers have relied on armies of people to operate, and spent billions on advertising to stay relevant. That’s fast becoming irrelevant.
The shift has started. We love seeing people use their personal agents to buy Lemonade products through our native conversational experience. We expect incumbents will eventually give in and open their websites to agents as well. But that’s table stakes.
What we’ve been busy building is something fundamentally different.
A world where insurance operates as an autonomous software system, handling everything from pricing and underwriting to policy management, servicing, and claims. Not just a new way to buy insurance, but a fundamentally different way to run it, dramatically reducing costs while making the experience faster, smarter, and more proactive.
Insurance built for agents, operated by agents, and continuously optimized for the people they serve.
With Lemonade OS, personal agents keep your coverage in sync with your life as it changes, from the things you buy to changes in your family or lifestyle. And as the things around us become smarter and more autonomous, from our cars to the coming wave of physical AI, insurance will connect to them too, adapting in real time. They’ll handle renewals, file claims, and take care of everything in between, just like our own team would, often without even bothering you.
No forms, no phone calls, no waiting on hold, no emails. Just your agent and ours, working together to take care of it all for you.
Soon, we’ll begin rolling out the new Lemonade OS agentic experience, designed exclusively for personal agents. We invite you to join the beta waitlist below for early access, and help us shape the future of insurance.
Have your agents talk to our agents.
The twins are on the road now. Want me to add them to your Lemonade Car policy?
Yes, go ahead
Done. Chloe and Leo are covered as of today.
Lemonade Car
- Drivers added
- Chloe, Leo
- Monthly price
- $142 → $198
- Effective
- Today
That was it?
That was it. I’ll keep an eye on them as they rack up miles.
Your agent isn’t navigating a website or filling out forms. Lemonade OS gives it the ability to take real actions on your behalf, directly within our systems. From buying insurance to managing your policy and handling claims, your agent can do what a member of our own team would do.
Join the beta waitlist.
Get early access and help shape what comes next.