Hot Shot Truck Insurance
Insurance for hot shot trucking operations running expedited freight on gooseneck and flatbed trailers.
What It Covers
- Commercial auto liability for hot shot trucks and trailers
- Cargo insurance for expedited and time-sensitive freight
- Physical damage for your truck and gooseneck trailer
- Non-trucking liability coverage
- Equipment and load securement coverage
- Hired and non-owned auto liability
Who Needs This Coverage
Hot shot operators running Class 3-5 trucks (Ford F-350, Ram 3500, etc.) with gooseneck or bumper-pull trailers. Whether you are hauling oilfield equipment, machinery, or LTL freight on expedited timelines, you need commercial trucking coverage, not personal auto.
Avg Fleet Size
1-10 trucks
Common Cargo
Oilfield equipment, machinery, LTL freight, auto parts
Typical Coverage Package
- Primary Liability ($750K-$1M)
- Physical Damage (Comprehensive + Collision)
- Motor Cargo ($100K+)
- Non-Trucking Liability
- Trailer Coverage
- Medical Payments
Frequently Asked Questions
Can I use my personal auto policy for hot shot trucking?
No. Personal auto policies exclude commercial use. If you haul freight for hire, you need a commercial auto policy with motor cargo coverage. Using personal insurance for hot shot will void your coverage.
Is hot shot insurance cheaper than semi-truck insurance?
Generally yes. Hot shot trucks are lighter, lower value, and carry smaller loads. Expect $5,000-$10,000 per year depending on your authority, experience, and cargo type.
Do I need my own authority for hot shot?
You can operate under someone else's authority or get your own MC number. Having your own authority gives you more flexibility but requires your own insurance policy with FMCSA-required minimums.
Get a Quote for Your Hot Shot Truck
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