Lemonade is engaged in the provison of insurance in the United States and Europe. Co. offers fire, property, liability, and other related insurance policy issuing and claim settlements. Co. leverages technology, data, artificial intelligence, contemporary design and behavioral economics into its insurance offerings. Co.'s business architecture melds artificial intelligence with the human kind. For example, customers receive coverage and file claims by chatting with a bot. In addition to digitizing insurance end-to-end, excess claims are generally offloaded to reinsurers, while excess premiums are usually donated to nonprofits selected by Co.'s customers as part of Co.'s annual "Giveback."

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