What Heacock Classic does

Heacock Classic is a US specialty insurance agency founded in 1989 by Ford W. Heacock III that provides collector vehicle insurance to owners of antique, classic, modern collector, muscle, exotic, tribute/replica, and race cars across 48 states. The company under the Heacock Classic brand offers six core product sub-categories — Antique & Classic Cars, Modern Collector Cars, Muscle Cars & Hot Rods, Exotic & Sports Cars, Tribute & Replica Cars, and Race Cars — anchored by an Agreed Value coverage methodology that pays the full insured value in a covered total loss rather than depreciated actual cash value. The product set is differentiated by a single liability charge across multi-vehicle collections, up to 40% premium savings versus standard auto insurance, no-deductible coverage, complimentary flatbed roadside assistance, $2,000 spare-parts coverage, and 30 days of automatic coverage for newly acquired vehicles up to $50,000. Heacock operates as a managing general agent, with American Modern Insurance Group (a Munich Re subsidiary) serving as the lead underwriting carrier in most states. Distribution is omnichannel: licensed in-house agents handling phone-based sales and service M–F 8:30am–8pm EST, an online quote portal and member self-service platform (member.heacockclassic.com), and an appointed broker/agent channel. Commercial exposure is generated through the Heacock Classic Motorsports division, which delivers car club liability ($1M/$5M), event insurance, and on-track physical damage coverage for race teams, sanctioning bodies, and event organizers.

Name

Heacock Classic

Legal name

Heacock Classic LLC

Website

https://heacockclassic.com

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

11–50 employees

Short description

Heacock Classic is a US specialty insurance agency providing agreed-value collector vehicle insurance — covering antique, classic, muscle, exotic, replica, and race cars — to individual enthusiasts and car clubs across 48 states, operating as an MGA underwritten by American Modern Insurance Group.

Ownership category

akta.pro rank

Product category

Collector Vehicle Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers and Related Activities (524)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Classic / Collector Car Insurance (FSAJAAAG)

akta.pro secondary industries

Full-Coverage Personal Auto Insurance (FSAJAAAF), Specialty & Excess/Surplus Lines (E&S) (FSAJAMAH)

Keywords

• Collector car insurance
• Classic auto insurance
• Antique vehicle insurance
• Race car insurance
• Agreed value coverage

Headquarters

HQ city

Cherry Hill

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Collector Vehicle Insurance Premiums: Heacock Classic generates revenue through insurance premiums charged to policyholders for collector vehicle coverage. Premiums are based on agreed value of vehicles, mileage tiers, and selected coverage options. The company operates as a managing general agent with American Modern Insurance Group as the primary underwriter.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Heacock Classic is a specialty insurance agency that underwrites and distributes collector vehicle insurance across 48 U.S. states, offering Agreed Value coverage for antique, classic, modern collector, muscle/hot rod, exotic/sports, tribute/replica, and race cars. The company also provides event, show, club, and motorsports insurance through its Heacock Classic Motorsports division. Policies are primarily underwritten by American Modern Insurance Group, with premiums quoted on a per-vehicle, per-collection basis including benefits such as no-deductible claims, complimentary flatbed roadside assistance, $2,000 spare parts coverage, and 30 days of automatic coverage for newly acquired vehicles up to $50,000.

Product overview

Heacock Classic offers a unified collector vehicle insurance platform with its core Collector Car Insurance product and multiple specialized sub-categories covering Antique and Classic Cars, Modern Collector Cars, Muscle Cars and Hot Rods, Exotic and Sports Cars, Tribute and Replica Cars, and Race Cars. The company also provides Event, Show and Club Insurance through its Heacock Classic Motorsports division. All products feature agreed value coverage, and the portfolio includes coverage add-ons such as roadside assistance, spare parts coverage, and restoration insurance. The company operates across 48 states and is underwritten primarily by American Modern Insurance Group.

Differentiator

Problem solved

Functional benefit

Products and services

• Collector Car Insurance Primary insurance product offering agreed value coverage for antique, classic, collectible, and exotic collector vehicles across 48 states. Features up to 40% savings versus standard auto insurance, zero deductibles in most cases, complimentary roadside assistance with flatbed towing, single liability charge for collections, and coverage tailored to pleasure use up to 6,000 annual miles. Underwritten primarily by American Modern Insurance Group.
• Antique and Classic Cars Insurance Specialized insurance coverage for antique and classic automobiles. Provides agreed value protection, no appraisals required, single liability charge for collections, and complimentary roadside assistance with flatbed towing. Designed for owners who use vehicles for car shows and hobbyist activities with occasional pleasure use.
• Modern Collector Cars Insurance Insurance coverage for modern collector vehicles including limited edition, high-horsepower, and highly customized cars. No appraisals needed and agents are automotive enthusiasts who understand appreciating modern collectibles and future collectability.
• Muscle Cars and Hot Rods Insurance Specialty coverage for American muscle cars and hot rods, including modified and restomod vehicles. Provides seamless coverage throughout restoration processes and no-hassle evaluation when vehicle values increase.
• Exotic and Sports Cars Insurance Coverage for exotic and sports cars including vintage sports cars such as Porsches, Ferraris, and Jaguars. Licensed agents who are collector car enthusiasts provide single liability policies for collections and full agreed value protection.
• Tribute and Replica Cars Insurance Insurance coverage for tribute and replica cars including kit cars such as Shelby Cobra replicas. Knowledgeable agents understand nuances of specific builds, modifications, and authenticity, with coverage during build process and spare parts coverage up to $2,000.
• Race Cars Insurance Storage, transit, and paddock insurance for dedicated race cars, including complete physical damage coverage off-track and comprehensive key-off coverage through the STP policy. Targets vintage racing, track events, paddock storage, and race car transport.
• Event, Show and Club Insurance Commercial insurance products for car clubs, special events, motorsports participants, and sanctioning bodies. Includes car club liability ($1M per occurrence / $5M aggregate), special event coverage, motorsports insurance, and certificates of insurance with additional insured status. Targets car clubs, auto shows, Concours d'Elegance, and event organizers.

Quantifiable outcome

• Save up to 40% vs Standard Auto Insurance
• +2 more outcomes

Named customers2 records

Segments7 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Chizmark Larson Insurance AgencycoreStrategic or Co-development Partner · 23 February 2021Heacock Classic partnered with Chizmark Larson Insurance to service Heacock Motorsports. This partnership enables collector car insurance to include motorsports insurance protecting vehicles on the track, in the paddock, during transit and even storage. Mike Larson serves as president of the motorsports division.
• American Modern Insurance GroupcoreTechnology or IntegrationAmerican Modern Insurance Group, based in Amelia, Ohio, underwrites the Heacock Classic Collector Car Insurance program in most states. American Modern is a subsidiary of Munich Re, one of the world's largest insurance companies, holding over $245 billion in assets as of 2016.
• Mustang Club of America (MCA)coreGTM or Marketing PartnerHeacock Classic is the Official Insurance Provider of the Mustang Club of America, providing National and Regional protection for the club's 170 regional clubs and 40,000 local members. Also provides $1M per occurrence / $5M aggregate liability coverage with discounted rates.
• Trans Am RacingminorGTM or Marketing PartnerOfficial Insurance Sponsor for Trans Am Racing. Heacock Classic attends almost every major SVRA/Trans Am event across the country.
• Shelby American Automobile Club (SAAC)minorGTM or Marketing PartnerOfficial Insurance Sponsor for SAAC, offering special perks for club members including additional programs for race trailers and spare parts coverage.
• Sportscar Vintage Racing Association (SVRA)minorGTM or Marketing PartnerFounded by Ford Heacock III in the 1980s, Heacock Classic is heavily involved in SVRA events and vintage racing organizations including HRS, VARA, VSCDA, CVAR, and their 25 sub groups.
• NSM Insurance GroupcoreOthersNSM Insurance Group is the parent company of Heacock Classic. The company hosts annual collector car shows and is involved in the collector car insurance market. In October 2025, sister company Philadelphia Insurance Companies acquired Ignyte Insurance's Collector Vehicle Division for $615 million.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/heacockclassic
• Instagraminstagram.com/heacock_classic
• Xx.com/heacockclassic

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Heacock Classic