Blog & insights

Hot Shot Trucking Insurance Guides

Practical coverage education for owner-operators — from getting your MC number to understanding the difference between bobtail and non-trucking liability.

Physical Damage Coverage for Hot Shot Trucks and Trailers
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Physical DamageJune 1, 20265 min read

Physical Damage Coverage for Hot Shot Trucks and Trailers

ACV vs. stated value, what's covered, and how to properly insure your 1-ton pickup and gooseneck trailer as a hot shot owner-operator.

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Motor Carrier Authority5 min read

FMCSA Authority for Hot Shot Truckers: What You Actually Need

A practical guide to getting your MC number, understanding FMCSA filings, and what insurance is required before you can legally haul for hire as a hot shot carrier.

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Occupational Accident5 min read

Occupational Accident vs. Workers' Comp: Why Owner-Operators Fall Through the Gap

Most hot shot owner-operators aren't covered by anyone's workers' compensation policy. Here's why — and what occupational accident insurance actually pays for instead.

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Bobtail & Non-Trucking Liability5 min read

Bobtail vs. Non-Trucking Liability: What's the Difference?

Bobtail and non-trucking liability both protect hot shot truckers off-dispatch — but they're not the same. Here's exactly when you need each one and how they work together.

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Cargo Insurance5 min read

What Cargo Insurance Actually Covers for Hot Shot Loads

FMCSA doesn't require cargo insurance for most hot shot freight — but almost every broker does. Here's what a real cargo policy covers, what it excludes, and how limits actually work.

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