{"schema_version":"secwatch.filing_event.v1","accession":"0001840776-25-000231","form_type":"8-K","ticker":"HGTY","cik":"0001840776","company_name":"Hagerty, Inc.","filed_at":"2025-11-04T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.749682+00:00","generated_at":"2026-05-17T00:42:17.959521+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Hagerty Q3 revenue up 18% to $380M, net income up 143%, raises FY2025 outlook","bullets":["Q3 total revenue $380.0M (+18% YoY); net income $46.2M (+143%); adjusted EBITDA $49.7M (+106%).","FY2025 guidance raised: revenue growth 14-15%, net income growth 58-65%, adj. EBITDA growth 37-41%.","Loss ratio improved to 42.0% (vs 60.0% prior year) aided by lower catastrophe losses.","Marketplace revenue surged 58% to $34.2M; HDC members reached 921,000 (+6% YoY).","Signed partnership with Liberty Mutual; Markel fronting arrangement starting Jan 2026 to retain full underwriting economics."],"urls":{"canonical":"https://secwatch.observer/filing/0001840776-25-000231","json":"https://secwatch.observer/filing/0001840776-25-000231.json","markdown":"https://secwatch.observer/filing/0001840776-25-000231.md","text":"https://secwatch.observer/filing/0001840776-25-000231.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1840776/000184077625000231/0001840776-25-000231-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1840776/000184077625000231/hgty-20251104.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T00:42:17.959521+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}