Innovative US insurance company. Hit $1B in premiums 10 years from funding — faster than Microsoft, Netflix, Salesforce, or Tesla at similar milestones. Built on a Rails monolith that the speaker calls his favorite architecture; newer product lines are released through an internal framework on a microservices architecture, but home and renters insurance remain in the monolith. Underwriting is automated and relies on external data providers and internal data-science models. Arkency has worked with Lemonade for over two years supporting their mission.