{"id":1833,"date":"2017-10-16T07:20:26","date_gmt":"2017-10-16T07:20:26","guid":{"rendered":"\/blog\/?p=1833"},"modified":"2023-03-12T12:05:31","modified_gmt":"2023-03-12T12:05:31","slug":"insuring-guns-lemonade-takes-stand","status":"publish","type":"post","link":"https:\/\/www.lemonade.com\/blog\/insuring-guns-lemonade-takes-stand\/","title":{"rendered":"Guns, and Why Lemonade Is Taking a Stand"},"content":{"rendered":"

\u2018Guns\u2019 is a polarizing topic, which is why most companies avoid it at all costs. But Lemonade was founded to make insurance into a social good. That requires being upfront about what we think \u2018good\u2019 is, and is not. When it comes to the Second Amendment, therefore, we can\u2019t take the Fifth. After the awful massacre in Las Vegas, we\u2019re not sure anyone should.<\/span><\/i><\/p>\n

Our company, like our community, includes gun owners as well as gun control advocates. Many are both.\u00a0<\/span><\/p>\n

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<\/i>But while we respect gun ownership, we\u2019re not into gun worship.<\/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

This is why our policies limit the amount we will pay out for the damage or theft of firearms to an entirely adequate $2,500. If you own more than $2,500-worth of firearms, we recommend trying one of our competitors. They seem to all offer additional coverage. We don\u2019t.<\/p>\n

Our policy already excludes coverage for any illegal guns or gun use, but in our next version we plan to add more protections around firearms:<\/span><\/p>\n

1. We will exclude assault rifles altogether. We simply don\u2019t understand why civilians need military-grade weapons, and we prefer not to insure them. <\/span><\/p>\n

2. We will add requirements that firearms be stored securely and used responsibly, upon penalty of voiding coverage. We believe guns should be treated mindfully and soberly, not as a plaything, a status symbol or an ideological prop. Reasonable people, we believe, can agree on that.<\/span><\/p>\n

As an insurance company, it falls to us to shield our customers from damage to their guns, and by their guns. It stands to reason that we want members who take the responsibilities of gun ownership as seriously as we do. And so, we\u2019ll continue crafting our policies for the vigilant gun owner, not the <\/span>vigilante<\/span><\/i> gun owner. The former are welcome, and will find our policies cover them fully; the latter aren\u2019t, and won\u2019t.<\/span><\/p>\n

We\u2019re under no illusion that our industry, let alone our company, can solve gun violence. \u00a0But being unable to change much doesn\u2019t give us license to change nothing. Here\u2019s to everyone doing their part.<\/span><\/p>\n

As a company built on transparency and trust, we broach politically and ethically charged topics periodically, and are open about our efforts to align our investments and policies with our best sense of what\u2019s the right thing to do. This is the first post in our \u2018Ethics at Lemonade’ series.<\/em><\/p>\n

Update: On November 26th 2019, Lemonade announced our new Giveback partner, March For Our Lives. <\/em>Together, we are working to help prevent gun violence.\u00a0<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

‘Guns\u2019 is a polarizing topic, which is why most companies avoid it at all costs. But Lemonade was founded to make insurance into a social good, which requires being upfront about what we think \u2018good\u2019 is, and is not.<\/p>\n","protected":false},"author":11,"featured_media":3513,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14,10,12],"tags":[],"puppies_section":[],"class_list":{"0":"post-1833","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-lemonade101","8":"category-news","9":"category-transparency","10":"post-hentry"},"acf":[],"yoast_head":"\nGuns, and Why Lemonade Is Taking a Stand | Lemonade Blog<\/title>\n<meta name=\"description\" content=\"\u2018Guns\u2019 is a polarizing topic, which is why most companies avoid it at all costs. But Lemonade was founded to make insurance into a social good. 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