{"schema_version":"secwatch.filing_event.v1","accession":"0001840776-26-000010","form_type":"8-K","ticker":"HGTY","cik":"0001840776","company_name":"Hagerty, Inc.","filed_at":"2026-02-26T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.490312+00:00","generated_at":"2026-05-15T23:46:53.870067+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 FY2025 revenue up 17% to $1.46B, net income +91%, guides 15-16% WP growth in 2026","bullets":["Full year 2025 total revenue $1,456M (+17% YoY); written premium $1,194M (+14%); net income $149M (+91%).","Adjusted EBITDA $237M (+46%); combined ratio for Hagerty Re improved to 86.6% from 94.1%.","Record 371K new members added; MarketPlace revenue surged 119% to $119M on European expansion.","2026 outlook: written premium growth 15-16%; new Markel arrangement to capture 100% underwriting economics starting Jan 1, 2026.","State Farm Classic+ program now in 27 states; Liberty Mutual partnership expected to drive growth in 2027."],"urls":{"canonical":"https://secwatch.observer/filing/0001840776-26-000010","json":"https://secwatch.observer/filing/0001840776-26-000010.json","markdown":"https://secwatch.observer/filing/0001840776-26-000010.md","text":"https://secwatch.observer/filing/0001840776-26-000010.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1840776/000184077626000010/0001840776-26-000010-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1840776/000184077626000010/hgty-20260226.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T23:46:53.870067+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"}