Lemonade: the history behind its technology business

Lemonade was founded in 2015 by Daniel Schreiber and Shai Wininger with the aim of building an insurance business around software, automation and a mobile-first customer experience.

How Lemonade developed

The company began selling renters and homeowners insurance in New York in 2016 and later expanded geographically and into additional lines including pet, life and car-related insurance. Lemonade became publicly traded in 2020.

Lemonade in 2026

By 2026, Lemonade operated as a technology-led insurer using automation and data systems across quoting, policy management and claims.

Why the history matters

Lemonade is notable because it approached insurance as both a regulated risk business and a software product, testing how far digital onboarding and automated decision-making could reshape a traditional industry.

This profile was checked against company disclosures, regulatory filings and reputable independent or industry sources where applicable. Information reflects public material available on 18 September 2026.