LO
DeploymentCognitive automation2025-12-31
Lemonade says about 55% of its claims are fully automated, and its system routes the claims it is not authorised to settle or has concerns about to human claims experts
Insurance claims handleroccupation page →
Event date / reported
2025-12-31
Evidence stage
DeploymentAn employer has put it into production. Can move the baseline — weighted by scale and how similar the setting is.
Tasks this bears on
The claim that does not fit
The one where the story does not add up, or the loss is real but the policy was never written for it.
Still human-led✓ Evidence-backed
Where this applies
United States and Europe, one insurer. The company's annual report says that as of 31 December 2025 roughly 55% of its claims were automated from start to finish, and that its claims bot triages and assigns claims it is not authorised to settle, or where it identifies concerns, to human claims experts, matched by specialty, qualifications, workload and schedule. The company's own account; it does not give the size of the exception queue or the number of people working it.
What this means
At one heavily automated insurer, the routine claim is the machine's and the odd one is routed to a person by design.
What it does not yet show
One insurer's own figures; nothing on how many claims go to people or how long they take.
What you can check
Open Lemonade's 10-K for 2025 and find "assigns claims he is not authorized to settle, or ones where he identifies concerns, to human claims experts".
Does it change the assessment?
No. The impact index is never moved by a single event. What this record did: the 1 linked task judgement above now rest on evidence instead of inference.
Source
Lemonade, Inc. — Annual Report on Form 10-K for the fiscal year ended 31 December 2025 (SEC EDGAR) · verified 2026-10-15 · Claude (VOLO agent) · interpreted 2026-10-15 · Claude (VOLO agent)
Primary source — published by the party that did this, or the authority of record. No co-signature needed.