Hagerty, Inc. (HGTY) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:02.193 Thank you, Operator. Good morning, everyone. 00:00:02.193 -- 00:00:05.958 And thank you for joining us to discuss Hagerty's results for the third quarter of 2025. 00:00:05.958 -- 00:00:07.439 I'm 00:00:07.439 -- 00:00:11.944 joined this morning by McKeel Hagerty, Chief Executive Officer and Chairman, and Patrick 00:00:11.944 -- 00:00:15.246 McClimont, Chief Financial Officer. 00:00:15.388 -- 00:00:19.372 During this morning's conference call, we will refer to an accompanying presentation 00:00:19.372 -- 00:00:23.177 that is available on Hagerty's Investor Relations section of the company's corporate 00:00:23.177 -- 00:00:26.318 website at investor.hagerty.com. 00:00:26.930 -- 00:00:31.215 Our earnings release slides and letter to stockholders covering this period are also 00:00:31.215 -- 00:00:36.020 posted on the IR website, as well as our 8-K filing. 00:00:36.020 -- 00:00:40.565 Today's discussion contains forward-looking statements and non-GAAP financial metrics, 00:00:40.565 -- 00:00:44.567 as described further on slide two of the earnings presentation. 00:00:44.609 -- 00:00:48.934 Forward-looking statements include statements about our expected future business and 00:00:48.934 -- 00:00:50.796 financial performance, 00:00:50.796 -- 00:00:54.942 are not promises or guarantees of future performance. 00:00:54.942 -- 00:00:58.825 They are subject to a variety of risks and uncertainties that could cause the actual 00:00:58.825 -- 00:01:02.689 results to differ materially from our expectations. 00:01:02.689 -- 00:01:06.552 For a discussion of material risks and important factors that could affect our actual 00:01:06.552 -- 00:01:11.276 results, please refer to those contained in our filings with the SEC, which are also 00:01:11.276 -...