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Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON , D.C. 20549 ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31 , 2020 OR □ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 for the transition period from to Commission file number : 001-39367 Delaware ( State or other jurisdiction of incorporation or organization ) Title of each class Common Stock , $ 0.00001 par value per share FORM 10 - K Lemonade , Inc. ( Exact name of Registrant as specified in its charter ) Securities registered pursuant to Section 12 ( g ) of the Act : None 5 Crosby Street , 3rd Floor New York , New York 10013 ( Address of principal executive offices ) ( Zip Code ) ( 844 ) 733-8666 ( Registrant's telephone number including area code ) Securities registered pursuant to Section 12 ( b ) of the Act : Trading Symbol ( s ) LMND Large accelerated filer Non - accelerated filer 32-0469673 ( I.R.S. Employer Identification No. ) Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15 ( d ) of the Act . Indicate by check mark whether the registrant ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the registrant was required to file such reports ) , and ( 2 ) has been subject to such filing requirements for the past 90 days . Yes No M Name of each exchange on which registered The New York Stock Exchange Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S - T ( § 232.405 of this chapter ) during the preceding 12 months ( or for such shorter period that the registrant was required to submit such files ) . Yes No □ Yes No Indicate by check mark whether the registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , a smaller reporting company , or an emerging growth company . See the definitions of " large accelerated filer , " " accelerated filer , " and " smaller reporting company , " and " emerging growth company " in Rule 12b - 2 of the Exchange Act . □ Yes No Accelerated filer Smaller reporting company Emerging growth company □□□ If an emerging growth company , indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13 ( a ) of the Exchange Act . Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404 ( b ) of the Sarbanes - Oxley Act ( 15 U.S.C. 7262 ( b ) ) by the registered public accounting firm that prepared or issued its audit report . Indicate by check mark whether the registrant is a shell company ( as defined in Rule 12b - 2 of the Act ) . □ Yes No Registrant was not a public company as of the last business day of its most recently completed second fiscal quarter and , therefore , cannot calculate the aggregate market value of the voting and non - voting common equity held by non - affiliates as of such date .