Built for Hot Shot Truckers by People Who Know the Road.
Contractors Choice Agency has specialized in commercial trucking insurance since 2005. We understand the unique risks owner-operators face — from FMCSA authority filings to cargo gaps — and we build programs that actually fit how hot shot carriers operate.
- Licensed in all 50 states
- Founded 2005 — 20+ years
- FMCSA authority specialists
- 15-minute quote turnaround
- 2-hour claims response
- A.M. Best A+ carrier partners
Two Decades Protecting Owner-Operators
Hot Shot Truck Insurance launched because most commercial insurance agencies didn\u2019t know the difference between a hot shot carrier and a long-haul fleet. We built a specialty practice dedicated to 1-ton pickups, gooseneck trailers, and flatbeds — with agents who speak FMCSA and understand load board agreements, trailer interchange, and the real risks owner-operators face between loads.
CCA Founded
Contractors Choice Agency opens in Chandler, AZ, focusing on specialty commercial insurance programs.
Trucking Practice Launched
Dedicated hot shot and owner-operator division created to serve the growing 1-ton-plus carrier market.
FMCSA Filing Specialists
Team certified in MCS-90 endorsements, BMC-91/91X filings, and authority compliance for all carrier types.
All 50 States Active
National footprint complete — writing hot shot programs in every state with A-rated carrier partners.
500+ Operators Insured
Milestone reached: more than 500 active hot shot policies across the country.
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Hot shot operators insured nationwide
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Years insuring commercial truckers
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Average quote turnaround
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States licensed & writing
How We Work
FMCSA-First Mindset
We start with your authority type and build coverage that keeps you compliant — before we ever talk price.
No-Gap Programs
We close the bobtail, non-trucking, and trailer interchange gaps that leave most hot-shot carriers exposed.
A-Rated Carriers Only
Every policy placed through an A.M. Best A-rated or better carrier — your claims get paid.
Same-Day Certificates
Freight brokers don\u2019t wait. We issue COIs same-day so you never lose a lane over paperwork.
Get a Hot Shot Insurance Quote
FMCSA filings, cargo, and physical damage — quoted fast and bound same-day.