Not your everyday company



Lemonade completely reinvented how insurance works. As a customer-centric tech company, we created an insurance experience that is smart, instant, and delightful.



At Lemonade, you'll be working with a group of like-minded makers, who get a kick out of moving fast and delivering great products. We surround ourselves with some of the smartest, most motivated, creative people who are filled with positive energy and good karma.



Unlike most publicly traded companies, we're nimble and efficient. We take pride in the fact that we still think and operate like a startup. We don't care much about titles and hierarchy and instead focus on innovation, bold moves, and challenging the status quo.



We're built as a lean, data-driven organization that relies on a common understanding of objectives and goals to provide teams with autonomy and ownership. We don't like spending our days in meetings and we skip committees altogether. At Lemonade, there's no such thing as going over someone's head. We have zero tolerance for bureaucracy, office politics, and lean-back personalities.



As a Public Benefit Corporation and a certified B-Corp, we deliver environmental and social impact using our products and tech. Through our Giveback program, we partner with organizations such as the ACLU, New Story, The Humane Society, Malala Fund, American Red Cross, 360.org, charity: water, and dozens of others, and have donated millions towards reforestation, education, animal rights, LGBTQ+ causes, access to water, and more.



Awarded 'best workplace'



Best Workplace and Best-Led Company by Inc. Magazine



"World Changing" by Fast Company



Recognized as a World Changing Idea by Fast Company Magazine



Ranked #1 Home insurance in America



Won best renters and homeowners insurance in America by US News, and others



Best Pet Insurance in America



Rated "Best Overall Pet Insurance" by Better Homes & Gardens



Rated 4.9 on the App Store



Among the highest rated apps of all time



What you're applying for



We're looking for an experienced SIU Investigator to help protect honest policyholders and keep sophisticated fraud networks from gaming the system - while making sure legitimate claims move fast. You'll join our Claims team at a pivotal moment, bringing specialized investigative expertise to high-risk files as we expand into key markets like Florida and keep pushing the boundaries of what modern fraud detection looks like.



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

• Lead end-to-end SIU investigations on complex auto claims - Physical Damage, Bodily Injury, and PIP/Medical Payments - with full ownership from referral to resolution


• Identify and dismantle multi-claim fraud networks, staged accident rings, and coordinated medical billing schemes using link analysis and pattern-recognition techniques


• Apply deep working knowledge of Florida PIP statutes, medical fee schedules, and the 14-day treatment rule to counter state-specific fraud trends


• Partner directly with our Data Science and Product teams to test and refine predictive fraud models, feeding real-world case intelligence back into automated detection


• Investigate emerging digital fraud risks - AI-manipulated damage photos, synthetic media, and altered records - using the latest AI tools and digital research platforms


• Support EUOs, state fraud bureau referrals, and case strategy alongside claims adjusters and legal counsel

What you'll need

• 2+ years of dedicated SIU or auto claims investigative experience, with a proven record on complex cases.


• Deep Florida PIP and BI expertise - statutes, treatment windows, billing mill fraud, and EUO dynamics


• Hands-on experience with intelligence platforms like ISO ClaimSearch, Accurint, TLOxp, or LexisNexis


• Proven ability to investigate large-scale, multi-jurisdictional organized fraud rings and billing syndicates


• Genuine curiosity about AI - both as an investigative asset and as a fraud threat vector you'll need to stay ahead of


• A college degree, preferably in criminal justice, insurance, or a related field


• Ability to work in a remote environment

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 $55,000 - $60,000 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. Our competitive total rewards package includes comprehensive health & wellness coverage, equity, a 401(k) plan with employer match, 20 paid vacation days, and parental leave. Speak to your recruiter to hear more about the specific salary range for your preferred location and our total rewards package.



#LI-Remote



Things to know...



Lemonade is an equal opportunity employer committed to diversity and inclusivity. We never discriminate on the basis of race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or other legally protected status. If you require reasonable accommodations due to religious beliefs, pregnancy, or disabilities, let us know at any time.