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Hagerty HGTY Insurance — Ceding commissions, net
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Where this comes from
Reported directly by Hagerty in its filing.
Tagged under the XBRL concept hgty:CededCommissionExpense.
The source filing: Hagerty’s 10-K, filed February 26, 2026.
- Filed
- Feb 26, 2026, 10:58 AM EST
- Fiscal year
- FY2025
- Accession
- 0001840776-26-000013
| REVENUES: | Year ended December 31, 2025 / (in thousands, except per share amounts) | Year ended December 31, 2024 / (in thousands, except per share amounts) | 2023 / (in thousands, except per share amounts) |
|---|---|---|---|
| Total revenue | 1,456,389 | 1,241,510 | 1,027,117 |
| EXPENSES: | |||
| Losses and loss adjustment expenses | 285,394 | 298,593 | 220,658 |
| Ceding commissions, net | 337,087 | 301,719 | 251,805 |
| Sales expense | 258,202 | 190,523 | 156,378 |
| Salaries and benefits | 263,587 | 221,463 | 216,896 |
| General and administrative expenses | 94,517 | 82,504 | 85,434 |
| Depreciation and amortization | 37,524 | 38,905 | 45,809 |
ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA
FAQ
- What is Hagerty's insurance — ceding commissions, net?
- Hagerty (HGTY) reported insurance — ceding commissions, net of $84.27M in Q4 2025.
- How has Hagerty's insurance — ceding commissions, net changed year-over-year?
- Hagerty's insurance — ceding commissions, net increased by 11.7% year-over-year, from $75.43M to $84.27M.
- What is the long-term trend for Hagerty's insurance — ceding commissions, net?
- Over 2 years (2023 to 2025), Hagerty's insurance — ceding commissions, net has grown at a 15.7% compound annual growth rate (CAGR), from $251.81M to $337.09M.
- What does insurance — ceding commissions, net mean?
- This metric represents the fees or commissions received by the insurer from reinsurers in exchange for ceding a portion of the insurance risk. It acts as a contra-expense or revenue offset that helps mitigate the costs associated with transferring risk to third-party underwriters. Analyzing this figure is essential for understanding the company's reinsurance strategy and the net cost of risk transfer.
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