Our Hot Shot Trucking Insurance Guide: Coverage, Costs & FMCSA Requirements
Hot shot trucking allows operators to transport express freight using medium-duty pickup trucks (such as Ford F-350, Ram 3500, or Chevy 3500) paired with gooseneck trailers. Before booking your first load on DAT or Truckstop, securing proper commercial truck insurance is mandatory.
Essential Coverages for Hot Shot Operators
Primary Auto Liability ($750,000 – $1,000,000)
Required by the Federal Motor Carrier Safety Administration (FMCSA) for interstate haulers. Most freight brokers require $1,000,000 in primary liability coverage before dispatching freight.Motor Truck Cargo ($100,000 Minimum)
Covers the freight you haul against theft, damage, or accidents during transit.Physical Damage (Comprehensive & Collision)
Protects your pickup truck and gooseneck trailer against collision damage, weather, or vandalism.Non-Trucking Liability (NTL) & Bobtail
Covers your vehicle when driving without a load or off-dispatch.
How to Save on Hot Shot Insurance
- Clean Driving Record: Maintain clean MVR and PSP scores for safe-driver carrier discounts.
- Telematics Discounts: Forward-facing dash cams and ELD tracking qualify for lower premiums.
- Annual Payment: Paying your premium upfront saves 10% to 20% on installment fees.
Get a Fast Hot Shot Quote with MSM Insurance Agency
At MSM Insurance Agency, we specialize in placing hot shot policies . Our agency team issue policies and deliver Certificates of Insurance (COIs) in as little as 1 hour so you can book loads immediately.
Call MSM Insurance agency today at (973) 319-4081 or request an online quote at truckinsuranceonlinequote.com.