Lemonade, Inc. (LMND) Q2 2026 Earnings Call

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WEBVTT 00:00:01.550 -- 00:00:05.574 Hello, everyone. Thank you for joining us and welcome to the Lemonade second quarter 00:00:05.574 -- 00:00:10.618 2026 earnings call. After today's prepared remarks, we will host a question and 00:00:10.618 -- 00:00:14.962 answer session. If you would like to ask a question, please press star one to raise your 00:00:14.962 -- 00:00:19.186 hand. To withdraw your question, press star one again. 00:00:19.186 -- 00:00:22.349 I will now hand the conference over to the Lemonade team. 00:00:22.349 -- 00:00:24.870 Please go ahead. 00:00:25.394 -- 00:00:29.317 Good morning and welcome to Lemonade's second quarter 2026 earnings call. 00:00:29.317 -- 00:00:33.400 Joining us in our call today, we have Daniel Schreiber, CEO and co-founder, Shai Wininger, 00:00:33.400 -- 00:00:38.943 president and co-founder, Tim Bixby, chief financial officer, and Nick Stead, SVP finance. 00:00:38.943 -- 00:00:42.786 A letter to shareholders covering the company's second quarter 2026 financial results 00:00:42.786 -- 00:00:47.189 is available on our investor relations website at Lemonade.com slash investor. 00:00:47.189 -- 00:00:49.809 Thank you for joining us. 00:01:06.990 -- 00:01:10.372 and our more recent filings with the SEC. 00:01:27.112 -- 00:01:30.554 Our conciliations of our non-GAAP financial measures to the most directly comparable 00:01:30.554 -- 00:01:33.916 GAAP financial measures are included in our letter to shareholders. 00:01:33.916 -- 00:01:38.338 Our letter to shareholders also includes information about our key performance indicators, 00:01:38.338 -- 00:01:42.740 including number of customers, in-force premium, premium per customer, annual dollar 00:01:42.740 -- 00:01:47.823 retention, gross earned premium, gross loss ratio, gross loss rati...