Yael Wissner-Levy | Vice President, Communications |
Daniel Schreiber | Chief Executive Officer and Co-Founder |
Shai Wininger | Chief Operating Officer and Co-Founder |
Tim Bixby | Chief Financial Officer |
Michael Phillips | Morgan Stanley |
Ron Josey | JMP Securities |
Ross Sandler | Barclays |
Ralph Schackart | William Blair |
Jason Helfstein | OpCo |
Heath Terry | Goldman Sachs |
Jerome Kinner | Goldman Sachs |
Ladies and gentlemen, thank you for standing by and welcome to the Lemonade Second Quarter 2020 Earnings Call. At this time, all participants are in a listen-only mode. After the speaker’s presentation, there will be a question-and-answer session. [Operator Instructions] Thank you. I would now like to hand the conference over to your presenters, Lemonade management team.