---
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"
generated_at: "2026-05-15T23:46:53.870067+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Hagerty FY2025 revenue up 17% to $1.46B, net income +91%, guides 15-16% WP growth in 2026

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001840776-26-000010
- JSON: https://secwatch.observer/filing/0001840776-26-000010.json
- Plain text: https://secwatch.observer/filing/0001840776-26-000010.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.