Overview
Hotshot operators run a Class 3 to 5 pickup, often a 3500 or larger, pulling a flatbed or gooseneck trailer to move time-sensitive freight like equipment, machinery and construction materials. Personal auto policies do not cover this work.
If you haul for-hire across state lines and your truck and trailer combined are rated 10,001 lbs or more, you'll generally need a USDOT number, operating authority and commercial liability with a federal filing, just like a semi.
What It Covers
Primary Liability
Required commercial liability with the federal and state filings that activate your authority.
Cargo
Covers equipment and materials on your trailer, often a broker requirement.
Physical Damage
For your pickup and your trailer, which are often scheduled separately.
Load Securement
Ask us about coverage for chains, binders and straps and how securement affects cargo claims.
Who Needs It
- Pickup + gooseneck or flatbed operators
- Oilfield and construction hotshot haulers
- Expedited freight and equipment movers
- Drivers transitioning from CDL work to non-CDL hotshot
What Affects Your Price
- Combined GVWR and trailer type
- Driver experience and MVR
- Radius and states
- Commodities (machinery, vehicles, building materials)
- New vs. established authority
Roy's tip: A pickup with a personal auto policy is not covered when hauling for hire. Many hotshot drivers learn this after a claim is denied. Get commercial coverage before your first load.
Frequently Asked Questions
Do I need a CDL for hotshot?
Not always. A CDL is generally required when the combined weight rating is 26,001 lbs or more and the trailer is rated over 10,000 lbs. Many hotshot setups are designed to stay under that threshold. Insurance is required either way when hauling for hire.
What liability limit do hotshot brokers want?
Most brokers require $1,000,000 in liability and $100,000 in cargo, the same as for semis.
Can I insure my trailer separately?
Yes. Trailers are usually scheduled as their own units with their own value for physical damage.