Primary Liability
Covered third-party injury and property damage.
Learn more about Primary LiabilityTrucking Operations
Hotshot Trucking Insurance
Hotshot operations move time-sensitive freight with pickups and specialized trailers. Vehicle classification, cargo values, securement, and contract requirements all shape the coverage that fits.
Risks
Risks commonly faced
- Time-sensitive, expedited loads
- Load securement on open trailers
- Trailer ownership and type
- Vehicle classification questions
- Variable cargo values
- Contract and load-board requirements
Classification matters
How a hotshot rig is classified — and what it hauls — affects eligibility and coverage. Contracts and load boards may set their own requirements.
- Time-sensitive, expedited loads
- Load securement on open trailers
- Trailer ownership and type
- Vehicle classification questions
Coverage
Coverage commonly considered
The coverages below are commonly considered for this operation. The right combination depends on the specifics of your business.
Physical Damage
Covered loss or damage to your truck and trailer.
Learn more about Physical DamageMotor Truck Cargo
Legal responsibility for covered freight in transit.
Learn more about Motor Truck CargoNon-Trucking Liability
Certain eligible off-dispatch use.
Learn more about Non-Trucking LiabilityWho this is for
Is this you?
- Owner-operators running hotshot loads
- Expedited and time-sensitive freight haulers
- Operators pulling gooseneck or flatbed trailers
- New hotshot ventures under their own authority
Prepare for a quote
Information commonly requested
- Truck and trailer information
- Vehicle classification and weight rating
- Commodities and typical load values
- Securement methods
- Operating radius and states
- Driving history
- Insurance history and loss runs
- Requested effective date
Our process
How Talis helps
Hotshot eligibility can hinge on details like classification and cargo. We help you present a complete picture.
1
Discuss your operation
Tell us how you run — authority, drivers, equipment, cargo, and routes.
2
Review coverage needs
We identify applicable coverages and potential gaps for your operation.
3
Compare and place coverage
A licensed professional explains eligible options and the requirements to bind.
FAQ
Frequently asked questions
What is considered hotshot trucking?
Hotshot generally refers to hauling smaller, time-sensitive loads with a pickup and a trailer such as a gooseneck or flatbed, often under expedited timelines.
What coverage do hotshot operators consider?
Commonly commercial auto liability, physical damage, and motor truck cargo, and possibly non-trucking or bobtail coverage, subject to eligibility.
Does cargo value affect my quote?
Yes. The value and type of freight you haul can affect the cargo limit you request and how the operation is underwritten.
Do securement practices matter?
Securement is important for open-trailer hauling and may factor into underwriting and claims. Follow proper securement for the freight.
Related coverages
Coverages to explore
Coverage disclaimer. Coverage descriptions are provided for general informational purposes only. Actual coverage is subject to policy terms, conditions, limits, deductibles, exclusions, underwriting eligibility, and carrier availability. Please consult a licensed insurance professional regarding your specific operation.
Let’s Talk About Your Operation
Share the details of how you run and we can help you explore suitable coverage.