โšก Hot shot insurance quotes in 24 hours โ€” Start your free quote
๐Ÿ›ก๏ธ Licensed Trucking Insurance Specialists

Hot Shot Trucking Insurance
For Owner-Operators & Fleets

Commercial coverage built for expedited freight carriers. Whether you run one pickup or a growing fleet, we find the best rates from A-rated carriers and handle every policy detail.

โœ“ Single Trucks & Fleets
โœ“ FMCSA Compliant
โœ“ All 50 States
โœ“ 24-Hour Quotes
15+
Years Experience
2,500+
Operators Covered
50
States Licensed
A+
Carrier Ratings
24hr
Quote Turnaround

Generic Policies Don't Cover Hot Shot Operations

Expedited freight has unique risks that standard commercial auto policies weren't built to address.

โš  The Risks of Going Generic

  • โœ• FMCSA $750K minimum not met by standard commercial auto
  • โœ• Gooseneck trailers excluded without specific scheduling
  • โœ• Cargo losses not covered under auto liability alone
  • โœ• Coverage gaps when not under active dispatch
  • โœ• Fleet discount opportunities missed with individual quoting

โœ… The CCA Approach

  • โœ“ FMCSA-compliant liability from day one, single truck or fleet
  • โœ“ Every trailer specifically scheduled for full coverage
  • โœ“ Motor truck cargo protection for every load you haul
  • โœ“ Bobtail/non-trucking fills the gap between dispatches
  • โœ“ Fleet pricing for 2+ trucks with real savings

Everything a Hot Shot Carrier Needs

All coverage types quoted and placed by our in-house trucking insurance specialists.

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Commercial Auto Liability

FMCSA-required liability for bodily injury and property damage. Meets federal minimums for interstate carriers, with higher limits available.

Limits: $750Kโ€“$2M+
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Motor Truck Cargo

Protects the freight you haul from damage, loss, or theft. Required by most shippers and load boards before they'll award you a load.

$25Kโ€“$250K available
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Physical Damage

Comprehensive and collision for your pickup truck and every trailer. Lenders require it โ€” we schedule all equipment properly.

Truck + all trailers
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Non-Trucking / Bobtail

Covers you when driving outside active dispatch. Fills the liability gap owner-operators leased to carriers commonly miss.

Low-cost gap protection
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Trailer Interchange

Physical damage for non-owned trailers pulled under a written interchange agreement. Essential for drop-hook freight arrangements.

$25Kโ€“$75K available
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General Liability

Off-vehicle coverage for loading, unloading, and premises operations. Required by many shippers for vendor qualification.

$1M/$2M aggregate

Hot Shot Insurance Specialists, Not Generalists

Commercial trucking is our entire business โ€” that means better rates, better advice, and faster service.

15+

Years in Trucking Insurance

We've placed thousands of trucking policies and know which carriers are best for your territory and operation type.

Multi

Carrier Shopping

We shop across multiple A-rated carriers. More competition means lower premiums for you.

Fleet

Single & Fleet Policies

From a solo operator to a 20-truck fleet, we structure the right policy for your size and growth.

24hr

Real Quote Turnaround

Submit your info, get a call from a real specialist within 24 hours with actual quotes from multiple carriers.

What Hot Shot Operators Say About CCA

Real clients, real results.

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"I run three trucks and CCA got all three under a fleet policy that saved me nearly $8,000 a year. The agent actually understood hot shot trucking โ€” that made a huge difference in finding the right coverage."
DH
Dave Hernandez
DH Expedited Freight โ€” 3 Trucks โ€” Louisiana
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"Starting a hot shot business is stressful. CCA made the insurance part easy. They walked me through what I needed, what I didn't, and got me covered at a competitive rate in 48 hours. Highly recommend."
TM
Tyler Morrison
New Operator โ€” Texas โ€” 1 Truck
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"Had a cargo claim after bad weather. CCA's team guided me through every step. Claim resolved in 3 weeks. I've been with them ever since โ€” wouldn't trust my trucking insurance to anyone else."
KP
Karen Patel
Independent Hot Shot โ€” Oklahoma โ€” 2 Trucks

We Cover All 50 States

Click your state for hot shot insurance requirements and business registration guides.

Hot Shot Trucking Insurance Questions

Straight answers from specialists who know expedited freight.

FMCSA requires minimum $750,000 commercial auto liability for for-hire carriers hauling general freight in interstate commerce. You also need a USDOT number and, if for-hire, an MC number. Most load brokers additionally require cargo insurance ($100K minimum) and general liability ($1M) before awarding loads.
Yes. Fleet policies cover 2 or more units and often deliver per-unit savings compared to separate individual policies. They also simplify administration โ€” one renewal date, one certificate request process. We quote both single-unit and fleet policies, and can structure fleet pricing for any size operation.
A single-truck operation typically runs $12,000โ€“$25,000 per year all-in. A 3-truck fleet might cost $28,000โ€“$55,000 annually (vs. $36,000โ€“$75,000 for three separate policies). Key factors affecting cost: driver MVRs, equipment age, operating territory, cargo types, and loss history. We shop multiple carriers to find your best rate.
Most shippers and load boards require $100,000 minimum. However, the right limit depends on the value of freight you typically haul. Oil field equipment, industrial machinery, and electronics often exceed $100K per load. We recommend $150,000โ€“$250,000 for most hot shot operators to ensure you're covered for your highest-value loads.
Yes. FMCSA requires proof of insurance (filed via BMC-91 or BMC-91X) before your MC number becomes active. Our agents are experienced with FMCSA filings and can coordinate your insurance and authority activation simultaneously to minimize startup timeline.
In most cases, 24โ€“48 hours after receiving complete information (truck/trailer VINs, driver info, operating territory). Urgent situations can sometimes be expedited. Call 844-967-5247 to discuss your timeline โ€” we work around your schedule.
Yes. We work with carriers that accept new-venture operators (brand new MC numbers, less than 2 years in business). New operators pay higher initial rates due to no loss history, but premiums typically decrease after 2โ€“3 clean years. A clean MVR and good credit help secure the best available new-venture rates.
The MCS-90 is a mandatory endorsement required by FMCSA for all for-hire interstate motor carriers. It makes your insurer the last-resort payer for public liability claims. It's a federal compliance requirement, not an additional coverage type. We automatically include it on all interstate hot shot policies we write.

Hot Shot Insurance Articles

Guides on coverage, compliance, and profitable trucking operations.

Cargo

Cargo Insurance for Hot Shot Trucking: Complete Guide

January 22, 2025 ยท 12 min read

Coverage types, required limits, claims process, and what shippers require for hot shot cargo insurance.

Read Article โ†’
Commercial Auto

Commercial Auto Insurance for Hot Shot Trucking

January 20, 2025 ยท 10 min read

FMCSA minimums, coverage limits, cost factors, and how commercial auto differs from personal auto for hot shot operators.

Read Article โ†’
Expedited Freight

Expedited Freight Insurance Coverage Guide

January 18, 2025 ยท 11 min read

What makes hot shot insurance different from standard trucking policies, and the coverage considerations specific to time-sensitive freight.

Read Article โ†’

Get Your Hot Shot Trucking Insurance Quote

Tell us about your trucks, trailers, and routes. A specialist contacts you within 24 hours with competing quotes from A-rated carriers.

  • โœ“ Quotes from multiple A-rated carriers
  • โœ“ Single-unit and fleet policies
  • โœ“ FMCSA filings handled for you
  • โœ“ Flexible monthly payment plans
  • โœ“ Response within 24 business hours
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844-967-5247

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