Hot shot insurance
Heavy-duty pickups pulling gooseneck or flatbed trailers on time-critical loads. Small rig, full carrier obligations.
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Where hot shot claims come from
Speed of the work
Expedited loads mean long hours and tight deadlines, which underwriters price in.
Combined weight
Truck and trailer often cross 10,001 lbs combined, which brings federal filing requirements.
Varied freight
Oilfield parts, equipment, and construction materials can trigger cargo exclusions.
Usually on the policy
What underwriters ask
- Truck and trailer GVWR
- Years of commercial driving
- Industries served (oilfield, construction)
- New or existing authority
Common questions
Do hot shot truckers need $750,000 liability?
For-hire interstate carriers over 10,001 lbs combined need at least $750,000 for general freight. Many brokers still ask for $1,000,000.
Can a new hot shot authority get insured?
Yes. Expect higher pricing in the first years, and have your CDL history and any prior commercial driving ready.