Hot shot trucking is a growing niche in the freight industry, offering fast and flexible delivery services with smaller, time-sensitive loads. If you're an owner-operator or small business running hot shot loads, you’ve probably heard the term Hot Shot Trucking Insurance. But what exactly does it cover, and why is it crucial for your operation?
At Stone Era Insurance Agency, we believe in helping truckers understand their coverage needs in plain, no-fluff language. Let’s break it down.
What Is Hot Shot Trucking Insurance?
Hot Shot Trucking Insurance is a specialized type of commercial trucking insurance tailored specifically for drivers who haul expedited loads using medium-duty trucks and trailers—like a dually pickup hauling a flatbed trailer. Unlike long-haul trucking, hot shot drivers usually transport time-sensitive loads locally or regionally.
This insurance typically includes several important coverages, such as:
Primary Liability – Covers bodily injury or property damage you may cause to others while operating your truck.
Physical Damage – Protects your truck and trailer from accidents, theft, vandalism, or natural disasters.
Cargo Insurance – Covers the freight you're hauling in case it gets damaged or stolen.
Non-Trucking Liability – Provides coverage when you're driving your vehicle for non-business purposes.
Trailer Interchange – If you use trailers owned by another company, this coverage protects you if that trailer is damaged.
Why Do You Need Hot Shot Trucking Insurance?
Whether you’re just starting out or already hauling regular loads, here’s why this insurance is not optional—it’s essential:
1. Legal Requirement
Federal and state regulations require truckers operating commercial vehicles to carry a minimum level of liability insurance. If you’re caught without it, expect fines, license suspensions, or worse—being shut down.
2. Load Contracts
Most brokers and shippers will refuse to work with you unless you can prove you have proper coverage. Without Hot Shot Trucking Insurance, you’re leaving money on the table.
3. Asset Protection
Your truck, trailer, and the cargo you carry are valuable assets. One accident could cost you tens of thousands of dollars out of pocket if you're not properly insured.
4. Peace of Mind
Driving for a living comes with risks—from traffic accidents to cargo theft. With the right insurance, you can focus on hitting your delivery deadlines, not worrying about what could go wrong.
How Much Does Hot Shot Trucking Insurance Cost?
Costs vary based on your driving record, the type of cargo you haul, your truck's value, and how far you typically drive. On average, premiums can range from $7,000 to $15,000 per year for full coverage.
At Stone Era Insurance Agency, we specialize in helping truckers like you find competitive rates without sacrificing essential coverage.
Why Choose Stone Era Insurance Agency?
We understand the hustle behind every hot shot load. That’s why we go beyond just quoting policies—we offer real support and expert guidance from people who know trucking.
Here’s what sets us apart:
Trucking insurance experts who speak your language
Customized policies that fit your operation and budget
Fast COI delivery to keep you loaded and moving
Support when it matters most—on and off the road
Final Thoughts
Hot Shot Trucking Insurance isn’t just another business expense—it’s a lifeline for your operation. Without the right coverage, one unexpected incident could derail everything you've built. But with the Stone Era Insurance Agency by your side, you can drive with confidence, knowing you’re protected every mile of the way.
Ready to get covered? Contact Stone Era Insurance Agency today and let us help you build a policy that’s as reliable as you are.