How to Get Hot Shot Trucking Business Insurance for Your Freight Operation
- 23 hours ago
- 2 min read
Hot shot trucking is a fast-paced segment of the transportation industry, moving time-sensitive freight with pickup trucks and flatbed trailers. Understanding how to get hot shot trucking business insurance is critical to staying compliant, protecting your cargo, and safeguarding your freight operation from financial risk.
Step 1: Understand Hot Shot Trucking Insurance Requirements
Before operating legally, hot shot trucking businesses must meet state and federal insurance requirements. If you operate across state lines, you must comply with regulations from the Federal Motor Carrier Safety Administration (FMCSA).
Most interstate freight operations require:
$750,000 to $1,000,000 in primary liability coverage
Motor truck cargo insurance, often $100,000 or more
A valid MC number and DOT registration
Understanding these minimums is the first step in securing proper coverage.
Step 2: Identify Hot Shot Trucking Coverage Needs
Beyond basic liability, your freight operation may need additional protection:
Primary Auto Liability Insurance – Covers bodily injury and property damage.
Motor Truck Cargo Insurance – Protects the freight you haul.
Physical Damage Coverage – Covers repair or replacement of your truck and trailer.
General Liability Insurance – Protects against non-driving-related incidents.
Non-Trucking Liability Insurance – Covers personal use of your vehicle when not under dispatch.
Selecting the right combination ensures your hot shot trucking business is fully protected.
Step 3: Prepare Business Information for Hot Shot Trucking Quotes
Insurance carriers will request detailed information, including:
Driving history and CDL status
Years of experience
Type of freight hauled
Radius of operation
Truck value and VIN
Prior claims history
Having this documentation ready helps speed up the underwriting process and may lower your premium.
Step 4: Compare Specialized Hot Shot Trucking Insurance Providers
Not all insurance brokers specialize in hot shot trucking. Because freight operations involve higher risk exposure, working with a knowledgeable broker is essential.
For customized protection tailored to your routes, cargo type, and equipment, request a quote from Wexford Insurance. Our team understands trucking regulations and can structure policies that meet FMCSA requirements while keeping costs competitive.
Step 5: Review and Update Hot Shot Trucking Coverage Annually
As your freight operation grows—adding trucks, expanding routes, or hauling higher-value cargo—your insurance needs will change. Review coverage annually to ensure limits and endorsements remain adequate.
