What Kind of Insurance Do I Need for a Hot Shot Trucking Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- 6 days ago
- 2 min read
Updated: 3 days ago
Starting or operating a hot shot trucking business comes with unique risks and responsibilities. Whether you're hauling time-sensitive freight with a pickup truck and trailer or managing a small fleet, having the right insurance coverage is essential for staying compliant, protecting your assets, and building trust with clients.
At Wexford Insurance, we specialize in helping hot shot trucking businesses find tailored insurance solutions. In this guide, we’ll break down the types of insurance you need, why they matter, and how to get covered.
Why Insurance Is Crucial for Hot Shot Trucking
Hot shot trucking involves transporting urgent loads, often without the infrastructure of larger carriers. This flexibility comes with exposure to risks like accidents, cargo damage, and liability claims. Without proper coverage, a single incident could jeopardize your business.
Essential Insurance Coverage for Hot Shot Trucking
Protects the freight you're hauling in case of damage, theft, or loss.
Covers repairs or replacement of your truck and trailer due to collision, fire, or vandalism.
Covers your vehicle when it's being used for non-business purposes.
Protects against claims not directly related to driving, such as property damage during loading/unloading.
Required if you have employees, this covers medical expenses and lost wages due to work-related injuries.
Why Work with a Specialized Insurance Agency
Generic insurance providers may not understand the nuances of hot shot trucking. At Wexford Insurance, we focus exclusively on the transportation and logistics industry, offering customized policies that meet DOT regulations and industry standards.
