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Hauling expedited loads and hot shot freight is a choice job for many truckers. Loads may be somewhat hard to find, and the loads that do get booked usually require the truck driver to run hard to meet the schedule, but the reward is premium rates and higher per mile pay. Hot shot insurance and “expediter’s insurance” are often used interchangeably.
Hot shot trucking started in the early days of oil exploration in Texas and Oklahoma according to most accounts. A hotshot was a driver of (usually just a normal) pickup truck who ran to town for parts for the rig and equipment on the drilling site. The driver was on-call (usually waiting at the site) and simply ran into town and back as fast as they could to fetch whatever it was that the rig crew needed to keep the rig drilling.
The main feature of hot shot trucking is that whatever part or equipment is being moved has to be picked up usually within 1 hour of the call out and delivered within a very tight delivery time window, usually meaning “get it there yesterday.” If it’s a hotshot load, it’s usually an emergency.
At the minimum, hot shot truckers should seek bodily injury and property damage insurance. The requirement for cargo insurance was eliminated in 2012, but in practice most manufacturers, agricultural producers, warehouses and other potential clients will require that you have $100,000 of cargo insurance before they will consider enlisting your services. Additional coverages may include business liability, self-employment and medical insurance. As a leading provider of specialty trucking insurance, we have the expertise and capacity to design a well-tailored hot shot insurance program for trucking expediters.
We encourage you to NEVER base insurance decision solely on price. Normally, when we buy a product we look for the lowest price — if all other things are equal, we take it. If you insure for lower rates, but that company can’t provide good timely service, the lower premiums will not help you out at all when you can’t get loaded due to problems with your insurance. The same is valid when your claim is not covered because your insurance agent sold you a “subprime” policy. Please note that your actual proposal may vary based on underwriting factors such as location, age of driver, MVR and more. Coverages, payment plans, policy terms and conditions vary state by state. No two policies are the same. No two insurance needs are the same either.
Please complete our quick quote sheet for a quick Hot Shot Insurance quote or call us at
(844) 235-9449 to speak to one of our licensed trucking agents.
Top notch organization to deal with for commercial truck insurance. When I thought I had a serious issue aquiring truck insurance, John @ Big Rig expedited things and came thru with top rated insurer for a premuim price almost half of what I was being quoted. Give him a call and let him work his magic. He got my 100% approval!
Jan – Singleton Trucking Inc.
I have been in the trucking business for about 5 years. I have had 2 other insurance agency’s. I switched to Insure Big Rig about a year ago and hands down this is the best service I have ever received. The products that they offer are over the top. No one else can offer the products that Insure Big Rig provides. Very happy customer.