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Lemonade scores 63 out of 100 on the Agent Readiness Index
Lemonade reaches level 2, Legible. Web experience is the strongest area at 100 out of 100. Protocol access is the weakest at 36.
Lemonade was scanned on October 11, 2026. Its score is 63 out of 100, level 2, Legible. An agent can read and cite your content. To reach level 3, Connectable: Offer a programmatic path: a live MCP server, a data sharing program with OAuth metadata, or a verified Poppy file.
Website: lemonade.com
Score by area
| Area | Score | What it asks |
|---|---|---|
| Discoverability | 93 out of 100, worth 15 points | Can an agent find and read your pages? |
| Protocol access | 36 out of 100, worth 20 points | Can an agent connect to you through MCP or an API? |
| Identity and delegation | 36 out of 100, worth 20 points | Can a customer give an agent limited access without sharing a password? |
| Web experience | 100 out of 100, worth 15 points | Does your site work when an agent uses it? |
| Voice and IVR | Not measured yet | What happens when an agent calls your phone line? |
| Policy and governance | 75 out of 100, worth 10 points | Do your terms allow agents that act for customers? |
What is holding Lemonade back
- MCP server, 8 points lost. No MCP server, server card or registry entry was found for this organization. Fix: Publish a remote MCP server with OAuth. Start with read only tools such as account status, orders or location search, and publish a server card at /.well known/mcp/server card.
- OAuth and OpenID metadata, 5 points lost. No OAuth or OpenID metadata was found on the 5 hosts that answered. 11 other hosts did not answer the scanner and could not be checked. Agents cannot discover where to send a customer to approve access. Fix: Publish /.well known/oauth authorization server and /.well known/oauth protected resource for the customer facing APIs.
- PKCE and client registration, 4 points lost. No authorization server metadata, so PKCE and client registration could not be confirmed. Fix: Require PKCE with S256 and support client ID metadata documents or dynamic client registration for approved agent clients.
- Browser tools exposed to agents, 3 points lost. The sign in and home pages register no browser tools for agents. Fix: Register tools for safe tasks such as location search and price lookup with navigator.modelContext.
What already works
- Sign in page loads for a declared agent in a browser
- Sign in form structure and autofill hints
- Terms on automated access
How Lemonade compares
Ranked 1 of 12 on the Insurance leaderboard. The average score for insurance is 43.8 out of 100 across 56 organizations. The average across all 1,401 scored organizations is 42.4 out of 100.
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