Daniel Schreiber

Schreiber’s public professional profile lists law studies at King’s College London from 1992 to 1995. Lemonade’s biography confirms an LL.B. with First Class Honors.⁠[3][1]

Before becoming a technology entrepreneur, Schreiber practiced corporate and commercial law at Herzog, Fox & Neeman. His company biography also records past membership in the Israel Bar Association.⁠[1]

In 1997, Schreiber cofounded internet-security software company Alchemedia and became its CEO. Finjan Software acquired the company in 2002.⁠[4]

Between 2003 and 2011, he held management roles at M-Systems and SanDisk: Vice President of Marketing and Business Development at the former and Senior Vice President of Marketing at the latter. SanDisk acquired M-Systems in 2006.⁠[4]

From 2011 to 2015, Schreiber was President and a board member of wireless-charging company Powermat.⁠[1]

In June 2015, Schreiber cofounded Lemonade with Shai WiningerShai WiningerShai Wininger is a technology entrepreneur, cofounder of Fiverr and Lemonade, and Lemonade’s President and a director. His work spans software engineering, product design, digital insurance and organizational automation. He served as Lemonade’s co-CEO from 2021 to 2023.Open the full entry. He served as CEO and Chairman, moving from consumer technology into digital insurance.⁠[4]

In Schreiber’s account, Lemonade completed its first product version in January 2016 but still needed regulatory permission. It launched in New York on September 21 and sold policies to 97 customers that day. The early conversational interface still relied partly on manual work.⁠[5]

In AI Can Vanquish Bias, Schreiber argued that richer data could shift insurance pricing from broad groups toward individual risk. He proposed testing outcomes through uniform loss ratios across groups, while acknowledging inherited data bias. This was his proposed framework, not a demonstrated system that had eliminated discrimination.⁠[6][3]

Lemonade listed on the New York Stock Exchange on July 2, 2020 during Schreiber’s leadership. The company had entered Germany in 2019, then expanded to the Netherlands and launched in France in December 2020.⁠[7]

On March 15, Schreiber wrote in AI Doesn’t Do Solidarity that accurate risk pricing could still make coverage unaffordable for those who need it most. He favored government-led social protection and proposed a Solidarity Tax & Rebate framework to subsidize essential insurance for low-income people. It was a policy proposal, not an implemented universal system.⁠[8]

In July 2021, Wininger joined Schreiber as Lemonade’s co-CEO. Both continued to serve on the board.⁠[9]

Lemonade completed its Metromile acquisition on July 28, 2022 to expand automotive data and capabilities. On October 3, it launched in the UK with Aviva. In the UK announcement, Schreiber described the personal significance of bringing the business to a country familiar to him.⁠[10][11]

Effective January 1, 2024, Schreiber returned to being sole CEO and Wininger became President. The board approved the change on December 18, 2023; the filing said the founders favored clearer responsibilities.⁠[12]

On April 30, Schreiber proposed “AI-only” workflows in which people set goals, values, constraints and escalation conditions while machines execute end to end. He distinguished this from companies without people and warned that business efficiency could bring persistent unemployment, connecting the social consequences to his policy work.⁠[13]

At the end of the second quarter of 2026, Lemonade reported about 3.309 million customers, quarterly revenue of $294.4 million and a net loss of $43.4 million. It guided to positive adjusted EBITDA in the fourth quarter; that remained a forecast and did not mean GAAP net profitability had been achieved.⁠[14]

On October 8, Lemonade extended its program to Tesla Hardware 3 using FSD (Supervised) v14 Lite, discounting eligible miles by 30% in Arizona, Colorado and Tennessee. The release specified 50% for Hardware 4 with FSD v14.2 or later. Customer permission is required for data sharing, and FSD still requires driver supervision.⁠[15]

Schreiber publicly identifies himself as MOSAIC’s founder, and its website lists him as Chair. The nonprofit studies AI’s effects on Israeli employment and society. Its model proposes capturing automation gains through dynamic VAT and above-trend fiscal revenues, then funding an income floor through a negative income tax. These are model proposals, not demonstrated policy outcomes.⁠[3][2][16]

The founders’ letter by Schreiber and Wininger emphasizes long-term value, rapid learning and expansion, balancing profitability optimization against market opportunity. It also presents Lemonade’s public-benefit corporate status as incorporating social value into decisions alongside long-term profit goals.⁠[17]

During Schreiber’s leadership, Lemonade faced disputes over data and claims automation. It denied using emotion recognition for automatic claim denials. The Clarke biometric-video case settled for $4 million in 2022; a separate online-quotation data-disclosure case received approval of a $10.5 million settlement in 2026. Both included denials of liability and do not establish personal wrongdoing by Schreiber.⁠[18][19][20][21][22]