Hagerty, Inc. (HGTY) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.098 Greetings and welcome to the Hagerty fourth quarter 2025 earnings 00:00:05.098 -- 00:00:09.444 call. At this time, all participants are in a listen-only mode. 00:00:09.444 -- 00:00:12.288 A question and answer session will follow the formal presentation. 00:00:12.288 -- 00:00:16.533 If anyone should require operator assistance during the conference, please press star 00:00:16.533 -- 00:00:19.217 zero on your telephone keypad. 00:00:19.217 -- 00:00:23.723 Please note this call is being recorded. I would now like to turn the conference over 00:00:23.723 -- 00:00:28.735 to your host today, Jay Koval, Senior Vice President of Investor Relations. 00:00:28.735 -- 00:00:31.779 Thank you, sir. You may begin. 00:00:31.779 -- 00:00:34.503 Thank you, Operator, and good morning, everyone. 00:00:34.503 -- 00:00:38.188 And thank you for joining us to discuss Hagerty's results for the fourth quarter of 2025. 00:00:38.188 -- 00:00:43.596 I'm joined this morning by McKeel Hagerty, Chief Executive Officer and Chairman, 00:00:43.596 -- 00:00:47.101 and Patrick McClima, Chief Financial Officer. 00:00:47.101 -- 00:00:51.006 During this morning's conference call, we will refer to an accompanying presentation 00:00:51.006 -- 00:00:55.052 that is available on Hagerty's Investor Relations section of the company's corporate 00:00:55.052 -- 00:00:57.813 website at investor.hagerty.com. 00:00:58.807 -- 00:01:03.915 Our earnings release, slides, and letter to stockholders covering this period are also 00:01:03.915 -- 00:01:08.379 posted on the IR website, as well as our AK filing. 00:01:09.264 -- 00:01:13.892 Today's discussion contains forward-looking statements and non-GAAP financial metrics, 00:01:13.892 -- 00:01:17.758 as described further in slide two of ...