HNOA | CRC Group

Hired + Non-Owned Auto Liability

CRC's exclusive HNOA program has delivered nearly two decades of trusted coverage for a wide range of businesses. With one of the broadest risk appetites in the market, our program supports everything from shared economy exposures to contractors and manufacturers, offering flexible premium targets and access to both internal program and brokerage markets.

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Our HNOA team has the expertise and in-house authority to close coverage gaps and protect your clients’ assets. As workplace dynamics evolve, HNOA exposures are growing—and many insurers are tightening exclusions and denying claims. Our well-crafted policies, paired with market-tested carriers and strong broker relationships, make CRC the clear choice.

Typical Classes:

  • Shared Economy
  • Mobile App Delivery Services
  • Restaurants with Food Delivery
  • Couriers
  • Contractors
  • Consultant Services
  • Social Services
  • Medical Facilities/Home Health
  • Property Owners/Managers
  • Manufacturers

Highlights:

  • Monoline Coverage Available Nationwide
  • In-house Authority Provides Quick Turnaround
  • Carriers are Rated A VIII or Better by A.M. Best
  • Expands Coverage for Insureds with No Owned Autos or Symbol 7 Coverage Only
  • Considers Driver Programs for Owner Operators (PPT Type Risks)

Parameters:

  • All Limit Levels Up to $1M Available In-house
  • Minimum Annual Premiums Generally Start as Low as $2,500

Placing you first.

CRC Group's Placing You First Podcast is all about keeping you informed. We feature insights from our wholesale brokers, underwriters, and carrier partners - the people within CRC Group who drive our success.

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Always seeking better.

Tools + Intel by CRC Group covers a wide range of industry issues to keep you and your clients informed. Access actionable insights, exclusive programs, featured tools, and links to compelling news — all designed to give you an edge. 

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Smarter Coverage with Stock Throughput

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