Lemonade, Inc. (LMND) Q1 2026 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.800 Hello, everyone. Thank you for joining us and welcome to Lemonade's Q1 2026 earnings 00:00:05.800 -- 00:00:11.148 call. After today's prepared remarks, we will host a question and answer session. 00:00:11.148 -- 00:00:15.634 If you would like to ask a question, please press star one to raise your hand. 00:00:15.634 -- 00:00:18.699 To withdraw your question, please press star one again. 00:00:18.699 -- 00:00:23.226 I will now hand the conference over to Lemonade to begin the call. 00:00:23.226 -- 00:00:25.445 Please go ahead. 00:00:25.445 -- 00:00:30.236 Good morning, and welcome to Lemonade's first quarter 2026 earnings call. 00:00:30.236 -- 00:00:34.986 Joining us on our call today, we have Daniel Schreiber, CEO and co-founder, Shai Winninger, 00:00:34.986 -- 00:00:41.020 President and co-founder, Tim Bixby, Chief Financial Officer, and Nick Stead, SVP Finance. 00:00:41.020 -- 00:00:45.767 A letter to shareholders covering the company's first quarter 2026 financial results 00:00:45.767 -- 00:00:50.734 is available on our investor relations website at Lemonade.com slash investor. 00:00:50.734 -- 00:00:54.320 I would like to remind you that management's remarks made on this call may contain forward-looking 00:00:54.320 -- 00:00:59.127 statements within the meaning of the Private Securities Litigation Reform Act of 1995. 00:00:59.127 -- 00:01:03.494 Actual results may differ materially from those indicated by these forward-looking statements 00:01:03.494 -- 00:01:07.400 as a result of various important factors, including those discussed in the risk factors 00:01:07.400 -- 00:01:12.628 section of our most recent Form 10-K filed with the SEC and our more recent filings 00:01:12.628 -- 00:01:17.095 with the SEC. Any forward-looking stat...