Hot shot coverage
- Auto liability ($750,000 or $1,000,000) with your federal filing.
- Cargo for equipment, building materials, machinery and other flatbed loads.
- Physical damage for the truck and the trailer.
- Trailer and tie-down coverage options with some carriers.
Getting started as a new hot shot carrier
Many hot shot drivers start with a new authority. Carriers will want to see your CDL or commercial driving experience, your truck and trailer details, and a clear idea of your radius and freight. We can quote before your authority is active so your filing is ready when you need it.
Common questions we get
Whether you need a CDL depends on your combined weight rating. Most hot shot setups over 26,000 lbs GCWR require one. Carriers will usually ask for one to two years of experience pulling a trailer.
Frequently asked questions
Is hot shot insurance cheaper than semi truck insurance?
Physical damage is usually lower because the equipment costs less, but liability can be similar. Experience and radius drive the price.
Can I get hot shot insurance with a new MC number?
Yes. Several of our carriers write new authorities, typically with an experienced driver.