Hot shot trucking insurance covers expedited freight operations using medium-duty trucks, flatbeds, gooseneck trailers, and heavy-duty pickups (typically F-350, F-450, F-550, Ram 3500/5500 and Chevy 3500/4500 class). Whether you run dedicated hot shot loads under your own MC authority, lease onto a carrier, or mix hot shot with other freight, we tailor primary liability, physical damage and motor truck cargo to how you actually operate — plus we place new-authority ventures and drivers with under 2 years CDL-A experience that most agencies won't touch.
Hot shot truckers operating flatbeds, gooseneck trailers, and heavy-duty pickups (typically F-350, F-450, F-550 class) hauling expedited or time-critical freight under their own authority or leased to a carrier.
If your combined GVWR (truck + trailer) exceeds 10,001 lbs and you haul for-hire freight interstate, yes — you need DOT registration and MC authority. Most hot shot setups exceed this threshold.
Hot shot insurance typically costs $6,000–$12,000/year for a single unit under your own authority. Leased operators pay less since the carrier provides primary liability. New ventures can expect to pay more initially.
Most freight brokers and load boards require $1,000,000 in primary auto liability and $100,000 in motor truck cargo. Some high-value shippers (oil-field, machinery, steel) require $250,000+ cargo limits. We match limits to the loads you actually plan to haul so you don't overpay or get shut out.
No — they are different things. For many interstate for-hire property carriers moving general (non-hazardous) freight in vehicles of 10,001 lbs or more, the federal financial-responsibility minimum is generally $750,000. Hazardous materials and certain other operations carry higher federal minimums. Separately, brokers, shippers and contracts frequently require $1,000,000 of auto liability and often $100,000 of motor truck cargo. Requirements vary by operation, weight, commodity, state and contract, so we confirm yours before quoting.
BMC-91 / BMC-91X is the proof-of-insurance filing your insurance company submits to FMCSA. MCS-90 is an endorsement attached to your policy evidencing financial responsibility. BOC-3 is the designation of process agents for service of legal documents — it is a registration filing, not insurance coverage.
Yes. New MC authorities (under 12 months) are our specialty — we work with carriers that write new ventures without the 2-year experience minimum most agencies require. Expect first-year premiums 25–40% higher than an established authority; rates drop meaningfully once you have 12 months of clean loss runs.
Usually no — the motor carrier's cargo policy covers freight while you're under dispatch. You still need non-trucking liability (bobtail) for personal use of the truck when off dispatch. If you split time between leased and independent authority, you need both cargo and NTL.
Refrigerated freight (reefer breakdown), livestock, hazmat, and high-theft electronics are the most restricted. Oil-field equipment, construction machinery, steel, and general freight are widely accepted. Tell us the commodity mix upfront so we place you with a carrier that writes it.
Yes. If your truck is financed or leased, the lienholder requires physical damage (collision + comprehensive) naming them as loss payee. Even owned trucks benefit from stated-value physical damage given the $80k–$180k replacement cost of a new F-550 or Ram 5500 with a gooseneck.
We're licensed in Florida, Texas, Georgia, North Carolina, South Carolina, Tennessee, Alabama, Ohio, Indiana, Illinois, Missouri, Oklahoma, Louisiana, Arizona, Colorado, Utah, Virginia, Maryland, New Jersey and Pennsylvania. Most hot shot business runs interstate, so we file the required 48-state authority and permits.
Get a free quote or call (321) 206-8035.