{"id":1533,"date":"2017-08-30T12:15:00","date_gmt":"2017-08-30T12:15:00","guid":{"rendered":"\/blog\/?p=1533"},"modified":"2023-01-29T11:40:47","modified_gmt":"2023-01-29T11:40:47","slug":"lemonade-h1-underwriting-report-2017","status":"publish","type":"post","link":"https:\/\/www.lemonade.com\/blog\/lemonade-h1-underwriting-report-2017\/","title":{"rendered":"The Lemonade H1 Underwriting Report, Almost a Year In"},"content":{"rendered":"

Building an insurance company means dealing with volumes of laws and regulations, nuanced requirements by state, different customer needs, capital, you get it… probably explains the lack of new insurance carriers popping up, and why the average age of leading companies is 104. That\u2019s old.<\/span><\/p>\n

At Lemonade, we shield the customer from all of this, and created the simplest, easiest, and clearest way to get protected. Maybe we\u2019ve been too successful on that front, implied that everything is seamless and perfect, and changing a centuries-old industry is a piece of cake. <\/span><\/p>\n

If we implied that, I am sorry – it is not, and we never thought it would be. <\/span><\/p>\n

We knew it would be an uphill battle, and that it would probably be easier to go along other \u201cinsurance-y\u201d routes, like create an agency or a comparison platform. But to truly revolutionize a centuries-old industry, we needed to start from scratch<\/a>. That\u2019s why we assembled a team<\/a><\/span>\u00a0of knowledgeable insurance leaders<\/span> to complement our outstanding technology squad. <\/span><\/p>\n

As one should in this industry, I take the long view. <\/span><\/p>\n

We are building a company that is here to stay, and just as in my <\/span>previous insurance underwriting report<\/a>\u00a0<\/span>last year, I wanted to share how we\u2019re doing.<\/span><\/p>\n

The underwriting stats (almost) a year in<\/b><\/h3>\n

As any lifer will tell you, growing in insurance is easy, and as you know, we\u2019ve been growing fast. It\u2019s growing intelligently that is hard. <\/span><\/p>\n

Before I go on, one caveat. The first thing I wrote back in January was \u201c100 days of data isn\u2019t that meaningful in insurance.\u201d Well, the same largely holds true for 300 days of data. But with that grain of salt, here is where we are.<\/span><\/p>\n

From an underwriting perspective, things are proceeding as expected. We have a grand total of $433,000 in earned premium in the first half of 2017. We are selective about our underwriting<\/a> – purposefully so. Renters are generally pretty straightforward, so most become Lemonade members instantly. Homeowners are a little more complex, and we need to be more careful in setting prices and determining what properties we can take on.<\/span><\/p>\n

To give you a sense, we decided to not quote nearly half of homeowners customers in the first nine months. Yes, that would have been $10 million in premium, and we would have felt great – until the insurance claims<\/a> started arriving. <\/span><\/p>\n

Our underwriting team makes sure homes are in good shape, our portfolio is balanced, and our customers are thoughtful, reliable, and aligned with the Lemonade movement. If you were one of those\u00a0declined a quote<\/a>, we apologize. That does not mean, of course, that you are a bad person. All it means is that we can\u2019t provide the right product at the right price to everyone – yet :).<\/span><\/p>\n

The customers that are joining largely still fit the same profile we outlined in our <\/span>very first 48 hours<\/span> – younger, educated, tech-savvy, above-average earners, passionate about giving back – and as we recently posted, <\/span>women<\/span><\/a>. We love our customers, think they fit well with Lemonade\u2019s values and mission, and are thrilled each time another member joins the Lemonade community. <\/span><\/p>\n

Claims, as expected<\/b><\/h3>\n

Claims have been as expected. We\u2019ll settle in at around a 3% claims frequency. That is slightly higher than the industry norm, but we love that our customers actually USE insurance for what it was meant to be, and don\u2019t see it as a necessary evil, a black hole they pour money into. Good news from an insurance perspective is that severity, or the cost of a typical claim, is lower than average for us – and that\u2019s encouraging.<\/span><\/p>\n

Since our launch, we have handled two large claims. One customer had a tree land on their house; another had a fire. We were there for them in their time of need, and we feel good about that. Those two claims account for almost 40% of our claims dollars.<\/span><\/p>\n

\"Lemonade<\/p>\n

That is the business of insurance. If they had not happened, our results would look much better. So we can\u2019t get too excited with great results or too disappointed with worse results when we are so young. As many industry experts point out, long term results are what matter.<\/span><\/p>\n

So you don\u2019t need to dig into our financial statements, here are the highlights. \u00a0Our gross loss ratio in 2017 is 140%. That is high, but reread the paragraph above. In fact, it\u2019s been on the decline – currently at 90%, and dropping.<\/span><\/p>\n

\"Lemonade's<\/p>\n

Fortunately, we have great reinsurance partners who reimbursed us for many of those claims, so our net loss ratio, as of June 30, is 76%.<\/span><\/p>\n

A big deal: Our reinsurance partners believe in Lemonade<\/b><\/h3>\n

You may ask – will these partners always be around to support us? The good news is they take the really long-term perspective, and we are developing exactly as expected. I\u2019m happy to report that we signed a new reinsurance contract a month ago, and many of the leading insurance and reinsurance companies from across the globe joined in. This includes two of the top three global reinsurers; expert specialists that reinsure and even write homeowners themselves. From New York, Bermuda, and London, these partners are in the hubs of insurance knowledge and capital.<\/span><\/p>\n

More importantly, they signed on for multiple years and gave us the flexibility to learn, grow, and develop.<\/span><\/p>\n

\t

\r\n\t\t
\r\n\t\t\t

<\/i>We now have up to $325M in reinsurance protection: A LOT for any company, let alone one our size<\/a><\/i><\/p>\r\n\t\t<\/div>\r\n\t\t

<\/i>Tweet this!<\/span><\/a><\/div>\r\n\t<\/div>\r\n <\/span><\/p>\n

They did so with the full knowledge of every single underwriting and claims metric, and full access to every person on the team. We were over-subscribed, and could not accommodate all of the demand. As a veteran of the traditional insurance industry, I really respect these underwriters and companies, and if that is not a vote of confidence from experienced insurance leaders, I don’t know what is.<\/span><\/p>\n

Reassuringly similar, but powered by technology<\/b><\/h3>\n

Looking at our expense ratio from a traditional perspective won\u2019t make much sense. If you\u2019ve ever tried to start and grow a business from scratch, this should be beyond obvious. Just do the simple math – 48 employees and $2 million in revenue – and the answer is clear. <\/span><\/p>\n

The best news? We had 30 employees when we were in 1 state, 37 in 2 states, 38 in 3 states, and 42 in 4 states. <\/span><\/p>\n

\"Lemonade<\/p>\n

Oh, the places you can go and the stuff you can do when you\u2019re powered by tech<\/a>. Even if this is an early indication, it\u2019s a trend I\u2019m willing to sign up for. \u00a0<\/span><\/p>\n

As our volume grows, our results will get more and more stable and meaningful. As always, we will be transparent and explain things in plain english. \u00a0And while it is not easy, we are on our way to (positively) change this great, centuries-old industry we love.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Building an insurance company means dealing with volumes of laws and regulations, nuanced requirements by state, different customer needs, capital, you get it. We lay out our latest underwriting stats, plus our big reinsurance partnership.<\/p>\n","protected":false},"author":17,"featured_media":1545,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10,12],"tags":[],"puppies_section":[],"class_list":{"0":"post-1533","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news","8":"category-transparency","9":"post-hentry"},"acf":[],"yoast_head":"\nLemonade's H1 Insurance Underwriting Report | Lemonade Blog<\/title>\n<meta name=\"description\" content=\"Lemonade's H1 - 2017 insurance underwriting report: all the underwriting stats and details behind our big reinsurance partnership, almost a year in.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lemonade.com\/blog\/lemonade-h1-underwriting-report-2017\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Lemonade H1 Underwriting Report, Almost a Year In\" \/>\n<meta property=\"og:description\" content=\"Building an insurance company means dealing with volumes of laws and regulations, nuanced requirements by state, different customer needs, capital, you get it. 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