Lemonade has made some big moves in the world of insurance. The company uses AI and bots to sell insurance, and has flipped the business model to ensure that Lemonade is never in conflict with customers filing insurance claims. But the product itself, the actual insurance policy, hasn’t changed much at all. For decades, insurance companies have been held to long, tedious legalese in their insurance contracts. In Lemonade’s case, the document is more than 40 pages long and incredibly difficult to understand. For a company that wants to make buying insurance as easy and as consumer-centric as possible, the very product they sell is in complete opposition to that.