Lemonade, Inc. (LMND) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.457 Good morning and thank you all for attending the LemonAid Q3 2025 00:00:05.457 -- 00:00:07.880 earnings call. 00:00:07.880 -- 00:00:10.403 My name is Brica and I'll be your moderator for today. 00:00:10.403 -- 00:00:12.403 All 00:00:12.746 -- 00:00:16.811 lines will be muted during the presentation portion of the call with an opportunity for 00:00:16.811 -- 00:00:21.957 questions and answers at the end. I will now hand over to the LemonAid 00:00:21.957 -- 00:00:24.438 team to begin. 00:00:26.423 -- 00:00:31.370 Good morning, and welcome to Lemonade's third quarter 2025 earnings call. 00:00:31.370 -- 00:00:36.216 Joining us on our call today, we have Daniel Schreiber, CEO and co-founder, Shai Winninger, 00:00:36.216 -- 00:00:40.482 president and co-founder, and Tim Bixby, chief financial officer. 00:00:40.482 -- 00:00:44.808 A letter to shareholders covering the company's third quarter 2025 financial results 00:00:44.808 -- 00:00:49.794 is available on our investor relations website at lemonade.com slash investor. 00:00:49.794 -- 00:00:53.599 I would like to remind you that management's remarks made on this call may contain forward-looking 00:00:53.599 -- 00:00:58.158 statements. Actual results may differ materially from those indicated by these forward-looking 00:00:58.158 -- 00:01:02.924 statements as a result of various important factors, including those discussed in our 00:01:02.924 -- 00:01:07.790 letter to shareholders and the risk factors section of our Form 10-K filed with the SEC 00:01:07.790 -- 00:01:10.411 on February 26, 2025. 00:01:10.634 -- 00:01:14.359 Any forward-looking statements made on this call represent our views only as of today, 00:01:14.359 -- 00:01:17.423 and we undertake no obligation to update them. 00:01...