{"id":161,"date":"2016-08-30T11:58:28","date_gmt":"2016-08-30T11:58:28","guid":{"rendered":"\/blog\/?p=161"},"modified":"2022-12-25T08:05:36","modified_gmt":"2022-12-25T08:05:36","slug":"hello-world","status":"publish","type":"post","link":"https:\/\/www.lemonade.com\/blog\/hello-world\/","title":{"rendered":"Hello World"},"content":{"rendered":"

September 2016 –<\/em>\u00a0Team Lemonade embarked on a journey to fix a broken system<\/a>. A system that, for centuries, wanted to protect you when things went wrong, but often put you through hurdles and obstacles and left you stranded.<\/p>\n

Insurance was first created to help communities thrive. Neighbors having each other\u2019s backs when needed, sharing risks, and creating circles of trust. That sort of insurance lost its way, becoming a bureaucratic maze awash with endless paperwork and never ending phone calls with agents.<\/p>\n

There\u2019s something inherently wrong with an industry that consistently frustrates its consumers. What\u2019s more frustrating is that these insurance giants channel their billions of dollars to big bonuses, instead of delighting their customers.<\/p>\n

\"Fixing<\/p>\n

Lemonade is designed differently<\/strong><\/h3>\n

We\u2019re using technology<\/a> to bring insurance into the 21st century, but we\u2019re also transforming the very fundamental business model. Instead of making our money from denying claims, as is the norm within the industry, we treat your premiums as if it\u2019s your money<\/a> (shocking!), take a flat fee for our services, and return what\u2019s left to a cause you care about<\/a>.<\/p>\n

All this boils down to what we\u2019re all about: we\u2019ll pay fast (cheers for technology!), we\u2019ll show you where your money goes (radically transparent!), and we\u2019re driven by a community-focused and do-good culture (we \u2018Giveback<\/a>\u2019 leftover money to a cause you believe in).<\/p>\n

We\u2019re using bots and machine learning to venture into territory no insurance company has gone before: an insurance product with conversational UI that will get you insured in no time.<\/p>\n

\"\"<\/p>\n

Let\u2019s talk behavioral economics<\/strong><\/h3>\n

On our journey to fix this broken system and transform the business model, we learned that one factor was holding the entire industry back: fraud. Fraud is ridiculously expensive, factored into pricey premiums and creating an endless cycle of distrust<\/a>.<\/p>\n

We saw this as a rare opportunity: challenge the very ideas that the industry has sanctified with behavioral science<\/a> and technology, and change insurance so that it\u2019s not only a positive experience, but also has a greater benefit for the wider community.<\/p>\n

Behavioral economics research is integrated into every element of the Lemonade process. We believe this will bring out the best<\/a> in our users.<\/p>\n

New Yorkers, Lemonade is ready to go!<\/strong><\/h3>\n

We\u2019re starting our nationwide rollout in New York<\/a>, offering renters and homeowners insurance across the state!<\/p>\n

Go get your Lemonade.<\/p>\n

– – –<\/p>\n

Update –\u00a0We’re rolling out renters and home insurance, powered by AI, across the United States! Be the first to know when we arrive to your state<\/a>.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

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