Commercial Auto Insurance for Hot Shot Trucking Pickups and Trailers
- 24 hours ago
- 2 min read
Hot shot trucking relies on heavy-duty pickups and flatbed trailers to move time-sensitive freight across short and long distances. Because these vehicles operate for business purposes, personal auto policies are not enough. Commercial auto insurance for hot shot trucking pickups and trailers is essential to stay compliant, protect your equipment, and safeguard your income.
Why Commercial Auto Insurance Is Required
If you operate across state lines, you must meet insurance requirements set by the Federal Motor Carrier Safety Administration (FMCSA). Most interstate hot shot truckers are required to carry $750,000 to $1,000,000 in primary liability coverage, depending on the freight being transported.
Commercial auto insurance ensures you meet federal and state regulations while protecting your business from financial loss after an accident.
What Commercial Auto Insurance Covers
A comprehensive hot shot trucking commercial auto policy typically includes:
Covers bodily injury and property damage caused by your truck while operating under dispatch. This is mandatory for most freight operations.
Protects your pickup and trailer against collision, fire, theft, vandalism, and weather-related damage. Since hot shot trucks often represent a significant investment, this coverage prevents large out-of-pocket repair expenses.
Provides protection if you’re involved in an accident caused by a driver without adequate insurance.
Trailer Interchange Coverage
If you haul trailers owned by others under a trailer interchange agreement, this coverage protects against physical damage to non-owned trailers.
Why Personal Auto Insurance Is Not Enough
Many new hot shot operators mistakenly assume a personal truck policy provides sufficient protection. However, once a vehicle is used for commercial freight transport, personal policies typically exclude business-related claims. Without proper commercial auto coverage, you risk claim denials and potential regulatory penalties.
Factors That Affect Premium Costs
Commercial auto insurance premiums for hot shot trucking depend on:
Driving history and experience
Truck and trailer value
Cargo type
Operating radius
Claims history
Annual costs can range from $5,000 to $15,000 or more, depending on risk factors and coverage limits.
Get a Tailored Commercial Auto Insurance Quote
Choosing the right commercial auto insurance for your hot shot trucking pickups and trailers requires expert guidance. Policies must align with FMCSA requirements while providing adequate protection for your equipment and operations.
For competitive pricing and customized coverage, request a quote from Wexford Insurance. Their specialists understand the trucking industry and can structure a policy that protects your vehicles, trailers, and long-term business success.
