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Hot-Shot Insurance is for trucking operations specializing in the expedited transport of cargo. Hauling expedited loads and hot shot freight is a choice job for many truckers. Loads may be somewhat hard to find, and the loads that do get booked usually require the truck driver to run hard to meet the schedule, but the reward is premium rates and higher per mile pay. Trucking Insurance Group's Hot Shot Insurance program was designed with these trucking operations in mind.

Hot-Shot Truck Insurance

What is Hot-Shot Trucking Insurance?

Hot-Shot Trucking Insurance covers motor carriers that are using pickup trucks or other class 2 vehicles to transport cargo across the state or nation. The coverages are the same as a Trucking Insurance Policy would be. A lot of insurance carriers are not fond of Hot-Shot Trucking operations, making it crucial to work with an agent that understands the market, and provides an insurance carrier ready to meet the needs of the Hot-Shot Trucking company. Cargo hauled can change weekly as Hot-Shot truckers tend to be versatile in what they can haul, making it imperative that your cargo insurance policy has sufficient coverage and no limitations. Ask us about our All-Risk Cargo coverage!

Why Do You Need Hot-Shot Trucking Insurance?

FMCSA regulations are set in place to protect the public by ensuring the drivers operate with safety, avoiding potential road hazards. In order to obtain operating authority, an insurance carrier must complete your filings, confirming your insurance limits satisfy the state and federal minimum requirements for interstate & intrastate commerce transportation. Your CSA scores (compliance) dictate the terms and conditions the insurance carrier will set on you, as well as the cost of your premium, making it vital to follow your safety programs, to its entirety. You will NOT be able to book loads from any shipper/broker without Operating Authority.

Which Hot-Shot Trucking Insurance Coverages Do You Need?

It is important to keep in mind legal requirements when obtaining trucking insurance. Commercial Truck Insurance is mandatory in all 50 states and failure to obtain coverage could cost you a lot of money in fines or even worse, your license. By law, you must have a minimum of 750,000 in auto liability and cargo coverage (coverage depends on what your trucks are hauling).

Bobtail Liability Insurance: Bobtail Insurance provides coverage for owner operators when the trailer is NOT attached. Typically, this includes when you are under dispatch or en-route to pick up a load.

Non-Trucking Liability Insurance: Bobtail Insurance provides coverage for owner operators when the trailer is NOT attached. Typically, this includes when you are under dispatch or en-route to pick up a load.

Occupational Accident Insurance: This coverage is intended for Owner Operators who are leased onto a motor carrier. If they are 1099 employees, they must obtain Occupational Accident INSTEAD of Workers Compensation.

Physical Damage Insurance: This is the type of insurance that you will need to pay for the damage to your tractor/trailer during an accident, or because of another covered loss. Coverage will include both comprehensive damage caused by vandalism, theft or severe weather, as well as collision damage caused by an accident. There is a huge difference in Actual Cost Value (ACV) Vs. Replacement Cost (RC) coverage, making it vital that you have an experienced broker to advise you of these coverage differences.

Motor Truck Cargo Insurance: (A.K.A) MTC, this policy provides coverage for the freight you are hauling, while it is in your care, custody & control (CCC). This coverage is vital for any "For-Hire" trucking operations to protect yourself, the shipper & freight broker. Most insurance carriers have crafted their own Motor Truck Legal Liability Form, so it is important to understand what is covered & what is excluded.

Workers Compensation Insurance: Workers Compensation will cover medical bills, physical therapy, prescriptions, and necessary travel expenses for any work-related injury. In order to receive benefits, the treating doctor must be on the state’s approved list. If the injury is serious, the employee may be entitled to lifetime medical benefits. It will also cover lost wages, burial & death benefits & legal action if an employee sues your workplace after an injury.

Umbrella/Excess Insurance: Umbrella or Excess Insurance provides extra protection for your company in the event of an catastrophic loss (CAT/Shock Loss). These coverages are secondary and only triggered when all other applicable coverage limits have exhausted. It is imperative that you have this coverage as the risk of not securing it is enough to put most motor carriers out of business.

Hot-Shot Trucking Insurance Coverages

Auto Liability Insurance: Your transportation liability insurance will cover bodily injury, provide financial support for medical expenses, and property damage. If legal action is taken out against you because of the accident, your liability insurance will also cover the cost of your defense, regardless if you are found to be at fault or not.

Truckers General Liability Insurance: General liability insurance for truckers is a type of insurance that can help protect you financially if you're ever held responsible for damaging someone else's property or causing an injury. This coverage is important because it can help pay for things like repairs to the other person's property, medical bills, and even legal fees if you're sued.

All Semi-Trucks

All Trailers

Dump Trucks

Box Trucks

Tow Trucks

Vehicles We Insure

Insurance Coverages We Offer

At Trucking Insurance Solutions, we assist trucking companies and haulers of all types, providing them with the best insurance rates along with the necessary compliance advice that comes with owning a trucking company. We firmly believe that experience, knowledge & negotiation is the key to successfully securing insurance coverage. We think outside of the box to craft solutions specific to your transportation operations. Terms are just as important as premium.

General Liability

Auto Liability

Physical Damage

Motor Truck Cargo

Workers Compensation

Umbrella/Excess

Bobtail & NTL

Pollution Liability

The coverages listed above are the main coverages we offer. There are over 30 endorsements we can add to your policy to enhance coverage. Click the button to learn more about specific coverages for your trucking operation, or email: Joshua@trucking-insurancesolutions.com

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