Starting a hotshot trucking business is an exciting venture—flexible loads, quicker hauls, and solid paychecks. But before you shift into gear, there’s one thing you absolutely cannot skip: hotshot trucking insurance. It’s not just a legal requirement in most cases—it’s the backbone of your protection on the road.
At Stone Era Insurance Agency, we help drivers like you get insured quickly and affordably, so you can focus on driving, not worrying.
What Is Hotshot Trucking?
Hotshot trucking typically involves hauling smaller, time-sensitive loads using a medium-duty truck and a trailer. These jobs usually don’t require a commercial tractor-trailer setup, making it a faster entry point for owner-operators and independent drivers.
But the fast-moving nature of hotshot loads doesn’t mean less risk. Accidents, cargo damage, and liability claims can happen—and without the right insurance, you’re on the hook.
What Does Hotshot Trucking Insurance Cover?
A good hotshot policy should include:
Primary Liability Insurance: Covers damage or injury you cause to others.
Physical Damage Coverage: Protects your truck and trailer from theft, vandalism, or collisions.
Cargo Insurance: Essential for hotshot drivers—covers the load you’re hauling.
Non-Trucking Liability (Bobtail) Coverage: For when you're driving without a load or not under dispatch.
Trailer Interchange Coverage: If you pull someone else’s trailer.
General Liability Insurance: Covers business-related risks beyond just driving.
How Much Does Hotshot Insurance Cost?
Costs vary depending on:
Your driving history
Type of truck and trailer
Types of loads hauled
Operating states
Coverage limits
On average, hotshot trucking insurance may cost between $7,000 and $15,000 per year. But with Stone Era Insurance Agency, we shop multiple carriers to get you the best rate—without sacrificing coverage.
How to Get Started Fast
Here’s how you can get insured and rolling ASAP:
Gather Your Info: DOT number, driving record, vehicle details, and business info.
Call or Get a Quote Online: Reach out to Stone Era Insurance Agency for a fast, personalized quote.
Compare Options: We’ll help you understand the coverage—and the price.
Get Proof of Insurance: Once approved, you'll get your certificate quickly so you can start hauling.
Why Choose Stone Era Insurance Agency?
We specialize in commercial trucking insurance, with years of experience helping new hotshot drivers get covered. We understand the urgency of your business, and we make the process fast, easy, and transparent.
When you choose Stone Era Insurance Agency, you get:
- Dedicated agents
- Customized policies
- Competitive pricing
- Quick turnaround
📞 Ready to Get Covered?
Don’t risk your business—or your peace of mind. Let us help you start your hotshot journey the right way.