# Atlas Commons research objects — carrier quality profile for LEMONADE INSURANCE COMPANY (NAIC 16023) — context brief

Insurer-quality data for LEMONADE INSURANCE COMPANY (NAIC 16023): confirmed complaint counts and complaints-per-1,000-policies rate (TX DOI / NAIC, RECORDED and DERIVED), surety certification status (Treasury C570, RECORDED), California direct premium written (CA DOI, RECORDED) and California direct loss ratio (CA DOI, DERIVED). Epistemic status of each figure is labeled. This surface informs; it does not rank or advise. Verify license at your state DOI before purchasing. CC0.

Claims (warrant · source), each re-fetchable to verify:

- **LEMONADE INSURANCE COMPANY had 19 confirmed complaints in 2025** — RECORDED · TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety) (https://www.tdi.texas.gov/consumer/complaintchoice.html)
- **LEMONADE INSURANCE COMPANY had 353,084 TX policies in force in 2025** — RECORDED · TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety) (https://www.tdi.texas.gov/consumer/complaintchoice.html)
- **LEMONADE INSURANCE COMPANY had 0.054 confirmed complaints per 1,000 TX policies in 2025** — DERIVED · TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety) (Atlas Commons derivation) (https://www.tdi.texas.gov/consumer/complaintchoice.html)
- **LEMONADE INSURANCE COMPANY is NOT listed on the U.S. Treasury Circular 570 (certified surety companies)** — RECORDED · U.S. Treasury Circular 570 (certified surety companies) (https://fiscaltreasury.gov/services/surety-bonds/list-certified-companies/)
- **LEMONADE INSURANCE COMPANY wrote $357,269,728 in California direct premiums across HOMEOWNERS MULTIPLE PERIL, PET INSURANCE PLANS, TOTALS lines** — RECORDED · California DOI Market Share Report (https://www.insurance.ca.gov/01-consumers/120-company/08-res-data/market-share-reports.cfm)
- **LEMONADE INSURANCE COMPANY's California direct loss ratio is 78.1%** — DERIVED · California DOI Market Share Report (Atlas Commons derivation) (https://www.insurance.ca.gov/01-consumers/120-company/08-res-data/market-share-reports.cfm)
- **What this carrier quality profile is — and is NOT — for LEMONADE INSURANCE COMPANY (the epistemic boundary)** — INTERPRETATION · Coverage Atlas framing (over the sources cited above) (https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/16023)

Do not take these on trust — re-fetch each named source. Full structured object: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/carriers/16023.jsonld` · anatomy of the research object: see /commons/the-research-object

**LEMONADE INSURANCE COMPANY (NAIC 16023) — every quality indicator (typed)** (7): Complaint data year — 2025 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety); Confirmed complaints (latest year) — 19 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety); Policies in force (latest year) — 353084 — RECORDED — TX DOI Complaint Data + NAIC complaint index + Treasury C570 (surety)…
**LEMONADE INSURANCE COMPANY — lines of insurance covered in complaint data (RECORDED)** (1): Homeowners…
**LEMONADE INSURANCE COMPANY — lines written in California (RECORDED)** (3): HOMEOWNERS MULTIPLE PERIL; PET INSURANCE PLANS; TOTALS…