The Federal complaint alleges wefox created ONE by infringing Lemonade's IP, violating the Computer Fraud and Abuse Act, and breaching its contractual obligations to Lemonade not to “copy content...to provide any service that is competitive...or to...create derivative works."

It catalogues how wefox's founders used aliases and bogus addresses to create phony Lemonade policies and initiate fictitious claims. It logs how, over dozens of sessions, they methodically reverse engineered Lemonade, and then used the bootlegged IP to create apps, websites and products that are facsimiles of Lemonade.

This didn’t have to end in court.

In August we discreetly asked them to stop. Instead, they continued probing our servers, triggering a second letter, which they ignored.

We believe in the tech revolution insurance is experiencing, and alongside many others, work hard to ensure regulators, investors, and the public believe in the integrity of these innovations. That’s why we hold ourselves to strict legal and ethical standards, and it’s why we call out those who do not.