---
title: 'Actuary, Car at Lemonade'
canonical: 'https://feeny.ai/job/actuary-car-lemonade-remote-dvdc0hdw7egg'
type: 'job'
last_seen: '2026-10-18'
---

# Actuary, Car at Lemonade

- **Company:** Lemonade
- **Location:** Remote
- **Employment:** full-time
- **Work type:** remote
- **Posted:** 2026-10-07
- **Last confirmed live:** 2026-10-18
- **Apply:** https://jobs.ashbyhq.com/lemonade/52253821-0da3-4eab-9df2-a31060170219

## Job description

We're looking for an Actuary to join our team and help push car insurance into the future. You'll bring actuarial discipline to some of the most complex questions in the business — from distribution to underwriting, claims, and beyond — while using competitive data and data science to make sure our pricing is fair, accurate, and built for scale. We believe three things matter for every role at Lemonade: drive to push through challenges, efficiency that keeps standards high while moving fast, and adaptability that lets you pivot with data and AI insights. These aren't buzzwords, they're how we actually work. Our AI-first approach isn't just a tagline either. We're building the future of insurance with AI at the center, and we need people who are genuinely excited to learn and grow alongside these tools. In this role you’ll

- Own and develop expertise on our car rating plans and rate indications
- Contribute to predictive modeling projects in close partnership with the Data Science team
- Craft rate filing support for new machine learning models
- Identify pricing and underwriting opportunities based on ongoing monitoring of results
- Build a knowledge base of competitor rating strategies and the broader competitive landscape
- Partner cross-functionally with Underwriting, Product, Claims, and BI to drive alignment and action
- Advance your actuarial credentials through recognized qualifications and industry research, bringing those learnings directly into your work

## What you’ll need

- 5+ years of P&C actuarial experience, preferably in personal lines pricing
- Attained ACAS or greater
- Bachelor's degree in Actuarial Science, Mathematics, Statistics, or a related field
- Working knowledge of data science programming languages like R or Python, and proficiency in SQL
- Familiarity with predictive modeling concepts, including GLMs, decision trees, gradient boosting machines, random forests, and clustering
- A genuine sensitivity to model transparency and ethics
- Excitement about learning and growing alongside AI — this isn't optional, it's how we work
- Ability to work remotely

Please note that we are unable to sponsor applicants for work visas. Unfortunately, we cannot consider applicants from these states: Alaska, California, Colorado, Montana, Hawaii, New Mexico and Puerto Rico. Lemonade's US base salary range for this full-time position is $135,000 - $157,500 plus equity + benefits. Our salary ranges are determined by role, level, and location. Within the range, individual pay is determined by work location and additional factors, including job-related skills, experience, and relevant education or training. Speak to your recruiter to hear more about the specific salary range for your preferred location. ||#LI-Remote||

## About Lemonade

## Company Overview
- **One-liner**: Lemonade is a digital insurance company that uses artificial intelligence and behavioral economics to offer renters, homeowners, pet, car, and life insurance, with a social impact model that donates unused premiums to causes customers choose.
- **Entity Type**: Public (NYSE: LMND)
- **Headquarters**: New York, New York, USA
- **Founded**: 2015
- **Founders**: Daniel Schreiber and Shai Wininger

## Core Business
- Primary industry/industries: Insurance (property & casualty, pet, life), Fintech, Insurtech
- Target customers: B2C (individuals and families), primarily digitally-native and socially-conscious consumers
- Mission or purpose statement: "Create the world’s most loved insurance through technology and social impact." [lemonade.com](https://www.lemonade.com/) Lemonade is a Public Benefit Corporation and certified B-Corp.

## Products & Services
For each major offering:
- **Renters Insurance**: Coverage for personal belongings and liability, typically acquired in ~90 seconds via the app.
- **Homeowners Insurance**: Protection for homes and their contents.
- **Pet Health Insurance**: Health coverage for dogs and cats, including accidents, illnesses, and routine care.
- **Car Insurance**: Standard auto coverage, plus a new, first-of-its-kind **Autonomous Car Insurance** for self-driving vehicles (launched in 2026, priced ~50% lower than human-driven per-mile rate). [lemonade.com](https://www.lemonade.com/investor)
- **Term Life Insurance**: Life insurance policies to protect loved ones.
- **Claims Experience**: AI-powered claims processing, with nearly half of claims paid in seconds and a record of 3 seconds to get paid. [lemonade.com](https://www.lemonade.com/)

## Market Standing
- **Valuation/Market Cap**: Not publicly available from the provided search results (market cap fluctuates with stock price; check current NYSE: LMND).
- **Key Metric (Annual Revenue)**: Q1 2026 revenue grew 71% YoY to $258M. In-force premium (IFP) reached $1.33B, +32% YoY. [lemonade.com](https://www.lemonade.com/investor)
- **Notable Investors/Partners**: Reinsured by "the most trusted names on the planet" (A-rated). [lemonade.com](https://www.lemonade.com/) Partnered with Tesla for Autonomous Car insurance. [lemonade.com](https://www.lemonade.com/investor)
- **Growth Signals**: 3.14 million customers (+23% YoY); 10th consecutive quarter of accelerating IFP growth; Adj. free cash flow of $17M in Q1 2026; positive Adj. EBITDA expected in Q4 2026. [lemonade.com](https://www.lemonade.com/investor)

## Competitive Advantages
- **AI-First, Instant Everything**: Core differentiator is using AI to deliver policies in ~90 seconds and pay claims in seconds, creating a vastly superior customer experience compared to traditional insurers.
- **Social Impact Model (Giveback)**: A Public Benefit Corporation and B-Corp. Unused premiums are donated to charities chosen by customers. This aligns customer and company incentives, reducing fraud and building brand loyalty. Over $10M donated. [builtin.com](https://builtin.com/company/lemonade)
- **Flat Fee Model**: Lemonade takes a flat fee from premiums to run the business, rather than profiting from denying claims. This aligns the company with its customers.
- **First-Mover in Autonomous Car Insurance**: Launched a dedicated product for self-driving cars, pricing risk at ~50% of human-driven rates, positioning them for the future of mobility. [lemonade.com](https://www.lemonade.com/investor)

## Strategic Focus
- **Profitability**: The company is focused on reaching positive Adjusted EBITDA by Q4 2026, having already achieved positive adjusted free cash flow. [lemonade.com](https://www.lemonade.com/investor)
- **Product Expansion**: Continuing to launch new, innovative products (e.g., Autonomous Car insurance) and bundling existing ones (renters, car, pet, life) to increase customer lifetime value.
- **International Growth**: Expanding across the US and EU, with a growing customer base and increasing in-force premiums.

## Why Work Here
- **Culture**: Described as a "fast paced, ever changing, zero politics meritocracy." The company values "smart creatives" with "positive energy" and a "passion for building products people love." Emphasis on business impact, self-motivation, and flexibility. [makers.lemonade.com](https://makers.lemonade.com/)
- **Remote/Hybrid Policy**: Offers a hybrid workspace (flexible time on-site) in New York and remote roles in the US. In-office roles available in Tel Aviv, Israel and Amsterdam, Netherlands. [builtin.com](https://builtin.com/company/lemonade)
- **Notable Perks**: Offers company equity, 401(K), generous parental leave, dental/health/vision insurance, job training + conferences, and free snacks/drinks. [builtin.com](https://builtin.com/company/lemonade)
- **Engineering Culture**: Strong emphasis on "makers" who "move fast and spend their time building stuff instead of endless meetings." Tech stack includes Ruby, SQL, Python, R, Snowflake, and MySQL. [builtin.com](https://builtin.com/company/lemonade)

## Sources
1. [lemonade.com](https://www.lemonade.com/)
2. [makers.lemonade.com](https://makers.lemonade.com/)
3. [lemonade.com/investor](https://www.lemonade.com/investor)
4. [builtin.com](https://builtin.com/company/lemonade)
5. [co.linkedin.com](https://co.linkedin.com/company/lemonade-inc-)

## Other roles at Lemonade

- [Product Data Analyst](https://feeny.ai/job/product-data-analyst-lemonade-tel-aviv-vysdawspkjnv) — Tel Aviv, Israel
- [CLX Car Advocate, File Owner](https://feeny.ai/job/clx-car-advocate-file-owner-lemonade-remote-84x3wsvsdtzp)
- [Sr. Data Analyst Lead](https://feeny.ai/job/sr-data-analyst-lead-lemonade-new-york-jyj6ccj8d1bw) — New York, NY
- [CLX Property Advocate, NL](https://feeny.ai/job/clx-property-advocate-nl-lemonade-europe-3mwpndjx9bb8) — Europe
- [SIU Investigator, Auto Claims](https://feeny.ai/job/siu-investigator-auto-claims-lemonade-remote-fzjyazp07tge)
- [SIU Investigator, Auto Claims](https://feeny.ai/job/siu-investigator-auto-claims-lemonade-remote-y8k2mk236j3c)
- [Customer Experience Specialist, French Market](https://feeny.ai/job/customer-experience-specialist-french-market-lemonade-europe-4ryc239r9qtj) — Europe
- [Insurance Product Manager, Car](https://feeny.ai/job/insurance-product-manager-car-lemonade-remote-rpjx9qb3jez3)
- [Associate Insurance Product Manager, Car](https://feeny.ai/job/associate-insurance-product-manager-car-lemonade-remote-t5ppbpky4dzt)
- [Senior Insurance Product Manager, Car](https://feeny.ai/job/senior-insurance-product-manager-car-lemonade-remote-q4takfcg6k39)