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’s current published agent guidance is centered on collector vehicle eligibility. Preferred business is enthusiast/collector vehicles used for club functions, exhibitions, organized meets, tours, and occasional pleasure driving—not daily transportation. Mileage around 3,500 annually is generally consistent with eligibility, and mileage up to 7,500 may be considered. Risks are evaluated holistically based on vehicle and owner characteristics. Storage is preferred in an enclosed, secure structure such as a private garage, pole barn, car condo, or storage unit. Hagerty will consider some alternative storage with restrictions: carports may be considered in all states except CA and certain FL counties (Broward, Miami-Dade, Monroe), with a $100,000 maximum vehicle value and coastal distance requirements in FL and LA; parking garages may be considered except in CA if they have 24-hour security, limited access, and preferably assigned spaces; enclosed trailers/other enclosed structures may be considered except in CA if secured; driveway storage may be considered except in CA, CO, FL, and HI, subject to LA coastal restrictions, a $50,000 maximum vehicle value, and excluding motorcycles and some modified vehicles. Unacceptable storage includes tents/dom es/igloos, streets, parking lots, and public parking garages. Driver eligibility requires review of all household driving records; generally one or two minor violations or accidents are acceptable, but in most states Hagerty cannot offer coverage where drivers have serious infractions such as alcohol-related offenses, reckless driving, or excessive speed violations. Restricted/declined or generally ineligible classes include off-road or recreational vehicles, vehicles used as daily drivers, commercial-use vehicles, and motorcycles with performance modifications. Household underwriting expectations include a reliable daily-use vehicle for all household licensed drivers; clients with fewer than one daily-use vehicle per driver may still be considered, but motorcycles and public transportation usually do not qualify as viable daily-use vehicles, and applicants must maintain daily-use insurance in their own names. Liability limits are encouraged to be no higher than the insured’s personal auto policy limits. If the client has no personal auto policy, Hagerty may consider a business auto policy with appropriate personal liability endorsements such as DOC or INI, but in GA, KS, MN, NY, and NC the maximum offered with only a BAP is state minimum limits. Producer/broker notes: Hagerty states there are no production requirements for agents, agency signup/approval is advertised as available in 1 business day with quoting while approval is completed, and the agent platform supports policy downloads to agency management systems, direct client billing, policy documents, direct deposit, and document submission. Hagerty also highlights supervised youthful operators as young as 16 with a clean driving record and notes final risk acceptance remains subject to underwriting and state/product availability.