For Anago franchisees, what is the required limit for Hired & Non-Owned Auto Liability (HNOA) insurance?
Anago Franchise · 2025 FDDAnswer from 2025 FDD Document
of "A" or better, and must include at a minimum:
- (a) Commercial general liability insurance and completed operations coverage in the amount of $1,000,000 per person/per occurrence for bodily injury and property damage combined with a
Source: Item 23 — RECEIPTS (FDD pages 62–298)
What This Means (2025 FDD)
According to Anago's 2025 Franchise Disclosure Document, franchisees must secure automobile liability insurance. This coverage extends to vehicles utilized by employees, including the franchisee themselves, while operating under the Anago Unit Franchise. The required coverage has a combined primary and excess limit of at least $100,000/$300,000.
This insurance requirement ensures that Anago franchisees have adequate financial protection in case of accidents involving vehicles used in their business operations. The specified limits provide a baseline level of coverage, protecting both the franchisee and third parties who may be affected by accidents. Franchisees should confirm with their insurance provider that their policy meets these minimum requirements.
Anago also retains the right to periodically adjust the required insurance coverage amounts. These adjustments may be necessary to reflect changes in inflation, the identification of new risks, alterations in laws or liability standards, increased damage awards, or other relevant changes in circumstances. If Anago adjusts the insurance requirements, these changes will apply throughout the entire Anago system, including company-owned units. This ensures that all franchisees maintain adequate coverage in response to evolving conditions and potential liabilities.