Hagerty
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Hagerty is a specialty carrier/MGA focused on classic, collector, and enthusiast vehicles written on agreed (Guaranteed) Value policies. The agent-facing Business Center at hagertyagent.com hosts the live underwriting guidelines and should be treated as the system of record; PDFs and sell sheets direct agents to “Hagerty Guidelines” on this site for current rules and eligibility.([hagertyagent.com](https://www.hagertyagent.com/?utm_source=openai)) Preferred / target business - Primary focus is classic and collector-type risks: antique and classic cars, modern collectibles and fun-to-drive enthusiast cars (including many 1990s and newer vehicles that are not daily drivers), collector trucks/SUVs, motorcycles, wooden and classic boats, and certain modified or performance vehicles used for pleasure.([hagertyagent.com](https://www.hagertyagent.com/?utm_source=openai)) - Vehicles are typically hobby or pleasure use only with flexible but limited usage; they cannot be used as a daily driver or primary transportation. Policies are structured on Guaranteed Value® (agreed value) with specialty claims handling and parts expertise.([hagertyagent.com](https://www.hagertyagent.com/?utm_source=openai)) - Youthful operators may be allowed as young as 16 when they have clean records and are appropriately supervised; these are considered but not automatically preferred and may require closer underwriting review.([hagertyagent.com](https://www.hagertyagent.com/?utm_source=openai)) - Hagerty encourages agents to look for collector or special-use vehicles currently on standard auto policies or on seasonal/laid-up arrangements and move them to a Hagerty policy for year‑round tailored coverage.([hagertyagent.com](https://www.hagertyagent.com/resources/hagerty-insights/seasonal-coverage-is-a-risk-filled-ride?utm_source=openai)) Key eligibility concepts (operational) - Usage: Pleasure, hobby, shows, club events, and limited occasional commuting only where allowed by guidelines; no regular to‑work use or ridesharing/for-hire exposures. Seasonal-only liability is discouraged due to legal and coverage gaps in many states; year‑round coverage is preferred and may be required to comply with state law (e.g., year‑round liability on registered vehicles in Utah).([hagertyagent.com](https://www.hagertyagent.com/resources/hagerty-insights/seasonal-coverage-is-a-risk-filled-ride?utm_source=openai)) - Operators: All regular drivers must have acceptable MVRs; major violations, DUIs, or at‑fault losses may be unacceptable or require exception underwriting. Young drivers may be eligible for supervised use of collector vehicles subject to clean records and household vehicle sufficiency. - Vehicle status: Vehicles are generally expected to be well maintained, stored appropriately (often garaged or otherwise protected), and in collectible or enthusiast condition. Non‑running restoration projects and certain in‑process builds may have separate program rules. - Program basis: Hagerty writes through Essentia and related underwriting companies, with Hagerty acting as the managing general agent and increasingly assuming 100% of the underwriting risk via Hagerty Re; this does not change retail appetite but underscores that Hagerty controls underwriting and program rules.([insurancebusinessmag.com](https://www.insurancebusinessmag.com/us/news/breaking-news/hagerty-unveils-plan-to-take-full-control-of-underwriting-under-new-markel-deal-543753.aspx?utm_source=openai)) Common restricted or declined classes (high level) (Details are in the online Hagerty Guidelines; below is an operational summary inferred from Hagerty positioning and agent communications.) - Regular-use / daily driver autos – vehicles relied on for everyday commuting, errands, or primary transportation are typically outside appetite. - Business- or commercial-use exposures – vehicles used in a business (e.g., delivery, service, livery, or advertising use that materially increases exposure) are usually declined or must be placed elsewhere. - Certain high‑risk performance vehicles and exotic supercars – some very high‑performance models may require special underwriting or may be declined when usage profile, driver mix, or performance level is inconsistent with hobby-use guidelines. - Ineligible youthful-driver scenarios – situations where under‑age operators are primary drivers, have poor driving histories, or lack a separate regular-use vehicle in the household are often not acceptable. - Non-collector standard autos – ordinary family sedans, crossovers, and commuter vehicles with no collectible attributes are not target business and may be declined or re‑directed to standard auto markets. Geography - Hagerty primarily writes in the United States through Essentia and affiliated underwriting carriers, with state eligibility managed centrally in the online guidelines and agent portal. Individual state rules (e.g., registration requirements and minimum liability mandates) may limit seasonal coverage or require continuous liability coverage even when the vehicle is stored (explicitly noted for states such as Utah).([hagertyagent.com](https://www.hagertyagent.com/resources/hagerty-insights/seasonal-coverage-is-a-risk-filled-ride?utm_source=openai)) - Agents should verify state availability, program nuances, and any unique storage/usage rules in the Hagerty Agent Business Center prior to binding. Submission & processing expectations - Agents must be appointed/registered with Hagerty; appointment packets and forms reference submitting agency and producer licensing for alignment with Hagerty’s underwriting company.([hagerty.com](https://www.hagerty.com/assets/PDF/SC_Appointment_Form.pdf?utm_source=openai)) - New agencies can sign up via hagertyagent.com and are typically approved within about one business day; quoting can begin while appointment is being finalized, subject to portal rules.([hagertyagent.com](https://www.hagertyagent.com/?utm_source=openai)) - The Hagerty Agent Business Center is the primary platform for quoting, binding, policy servicing, and downloading policies into agency management systems. Direct billing to the insured and direct‑deposit commissions are standard.([hagertyagent.com](https://www.hagertyagent.com/?utm_source=openai)) - Current underwriting guidelines, quick reference materials, and appetite notes are available online in the portal via the “Hagerty Guidelines” link and related resources. Agents and CSRs should refer to these digital guidelines instead of relying on static PDFs, as multiple Hagerty documents explicitly point to the online guidelines as the authoritative version.([hagertyagent.com](https://www.hagertyagent.com/assets/PDF/AgentDownloadLeadKit.pdf?utm_source=openai)) - For claims, agents can direct clients to report online through hagertyagent.com or by phone; Hagerty’s specialty claims team and parts specialists handle classic‑vehicle repairs and valuations.([hagertyagent.com](https://www.hagertyagent.com/?utm_source=openai)) Broker / producer notes - Hagerty emphasizes ease of doing business: no minimum production requirements, quick agency setup, and a robust agent toolkit (marketing materials, event‑based lead tips, valuation tools, and online training).([hagertyagent.com](https://www.hagertyagent.com/?utm_source=openai)) - High‑performing agencies can qualify for the Top Gear Agent® program, which provides dedicated account executive underwriting support, priority service center access, and other perks – effectively giving those agencies a streamlined channel for underwriting decisions and escalations.([hagertyagent.com](https://www.hagertyagent.com/resources/hagerty-insights/top-gear-agent?utm_source=openai)) - Hagerty is actively encouraging agents to target growing segments such as 1990s‑and‑newer fun‑to‑drive vehicles that fit a collector/enthusiast profile, reinforcing that agents should not limit submissions to traditional antiques only.([hagertyagent.com](https://www.hagertyagent.com/resources/hagerty-insights/top-gear-agent?utm_source=openai)) - Agents should keep household and usage disclosures accurate and up to date; Hagerty’s privacy and legal notices make clear that data is shared with underwriting companies for evaluating, issuing, and servicing policies, and that compliance with underwriting rules and applicable insurance laws is expected.([hagertyagent.com](https://www.hagertyagent.com/legal/privacy-notice?utm_source=openai)) Operational takeaway: Treat Hagerty strictly as a collector and enthusiast-vehicle market. Submit well‑documented, hobby‑use risks via the Agent Business Center, check the live online Hagerty Guidelines for state and vehicle‑specific rules, avoid daily‑driver or business-use exposures, and leverage the toolkit and Top Gear program for higher‑volume classic and enthusiast books of business.