If you’re in the hot shot trucking business, you already know how fast-paced and demanding the industry can be. Whether you’re hauling time-sensitive freight with a 1-ton pickup and gooseneck trailer or managing a fleet, having the right insurance is not optional—it’s essential. This is where hot shot trucking insurance comes in.

At Commercial Pro Shield Insurance, we specialize in providing tailored insurance solutions for hot shot truckers across the country. In this blog, we’ll break down what hot shot trucking insurance is, why it’s crucial, and how to get covered.

What Is Hot Shot Trucking Insurance?

Hot shot trucking insurance is a specialized commercial auto insurance policy designed for independent truckers or small companies who haul freight using medium-duty trucks, often on tight deadlines. Unlike standard trucking, hot shot drivers typically operate Class 3–5 trucks and deliver loads that require expedited delivery—hence the term "hot shot."

This insurance protects you from the financial risks that come with accidents, equipment damage, cargo loss, and liability claims while on the road.

What Does Hot Shot Trucking Insurance Cover?

A comprehensive hot shot trucking insurance policy may include the following coverages:

• Primary Liability Insurance – Legally required and covers bodily injury and property damage to others.

• Physical Damage Coverage – Covers repairs or replacement of your vehicle due to collisions, theft, or natural disasters.

• Cargo Insurance – Protects the load you’re hauling against damage or loss.

• Trailer Interchange – Covers trailers you don’t own but are using under contract.

• Non-Trucking Liability (Bobtail Insurance) – Covers you when the truck is being operated without a trailer or under no load.

Why You Need Hot Shot Trucking Insurance

Operating without the right insurance isn’t just risky—it could put you out of business. Here's why hot shot trucking insurance is a must:

1. Legal Requirement

Federal and state laws require commercial trucking operations to carry a minimum level of liability insurance. Without it, you can't operate legally or secure most contracts.

2. Protect Your Investment

Your truck, trailer, and equipment are significant investments. Insurance helps protect these assets from costly repairs or total loss.

3. Protect Against Lawsuits

Accidents happen. If you’re at fault, a lawsuit could financially devastate your business. Liability coverage shields you from these high costs.

4. Required for Contracts

Many brokers and shippers will not work with hot shot truckers unless they carry specific types of insurance.

How Much Does Hot Shot Trucking Insurance Cost?

Costs can vary depending on several factors:

• Driving record and experience

• Type of truck and trailer

• Distance and routes driven

• Types of cargo hauled

• Coverage limits and deductibles

On average, premiums can range from $7,000 to $12,000 per year, but working with the right provider—like Commercial Pro Shield Insurance—can help you find a plan that fits your needs and budget.

Why Choose Commercial Pro Shield Insurance?

At Commercial Pro Shield Insurance, we understand the unique needs of hot shot truckers. Our experienced agents can guide you through selecting the right policy, ensure you meet legal requirements, and help you get the most competitive rates in the industry.

• Customized Policies
• Competitive Rates
• Fast Certificate of Insurance (COI) Issuance
• Knowledgeable Support Team

Get a Free Quote Today

Ready to protect your hot shot trucking business with the right insurance?

Contact Commercial Pro Shield Insurance today:

📞 Phone: (239) 288-0656 📍 Address: 958 Summerfield Dr, Naples, FL 34120, USA 📧 Email: info@commercialproshieldinsurance.com

Don't take chances on the road. Trust Commercial Pro Shield Insurance to keep your business moving—safely and legally.