Hot Shot Trucking Insurance | Coverage Essentials for Owner-Operators
- Nate Jones, CPCU, ARM, CLCS, AU
- Sep 10
- 2 min read
Hot shot trucking is a fast-paced and flexible segment of the transportation industry, ideal for owner-operators who want to haul time-sensitive loads without the overhead of a full-size rig. But with great opportunity comes great responsibility—especially when it comes to insurance.
Whether you're just starting out or expanding your hot shot operation, having the right insurance coverage is critical to protecting your business, your cargo, and your livelihood.
What Is Hot Shot Trucking?
Hot shot trucking typically involves hauling smaller, urgent loads using a medium-duty truck and flatbed trailer. These loads often include construction materials, agricultural equipment, or oil and gas industry supplies. Because hot shot truckers operate under tight deadlines and across state lines, they face unique risks that require specialized insurance coverage.
Essential Insurance Coverages for Hot Shot Truckers
Here are the key types of insurance every hot shot trucking owner-operator should consider:
This is the foundation of any commercial trucking policy. Auto liability covers bodily injury and property damage caused to others in an accident. It’s required by law and by most freight brokers and shippers.
2. Physical Damage Coverage
Protects your truck and trailer from damage due to collisions, theft, vandalism, or natural disasters. This is especially important if you’ve invested heavily in your equipment.
Cargo coverage ensures the goods you're hauling are protected in case of damage, theft, or loss. Since hot shot loads are often high-value and time-sensitive, cargo insurance is a must.
4. Trailer Interchange Insurance
If you’re using a trailer that you don’t own under a trailer interchange agreement, this coverage protects you in case of damage to that trailer.
Covers non-driving-related incidents, such as damage caused while loading or unloading cargo, or injuries that occur on your premises.
6. Non-Trucking Liability (Bobtail Insurance)
Provides coverage when your truck is being operated without a trailer or outside of business use—such as driving home after a delivery.
Why Choose Wexford Insurance for Hot Shot Trucking Coverage?
At Wexford Insurance, we specialize in providing comprehensive business insurance for transportation-related companies across the U.S., including hot shot trucking businesses. Whether you're a fleet owner or an independent owner-operator, we help you find the right coverage to meet your needs and stay compliant with federal and state regulations.
We offer:
Tailored insurance packages for hot shot truckers
Coverage for new ventures and experienced operators
Competitive rates and flexible payment options
Expert guidance from agents who understand the trucking industry
Get a Quote Today
Don’t leave your business exposed. Contact Wexford Insurance today to get a customized quote for your hot shot trucking operation. We’ll help you navigate the insurance landscape so you can focus on delivering loads safely and efficiently.
