Hot Shot Coverage Across All 50 States

FMCSA requires $10,000 for regular freight carried in commerce, but most freight brokers and shippers require $100,000 or more in cargo liability. We recommend $100K as a baseline and can quote higher limits for high-value loads.

Yes. Load board freight is standard hot shot business. We write cargo and authority coverage for carriers who take broker loads — including the trailer interchange coverage you need when hauling non-owned trailers assigned through a broker.

Yes. Contractors Choice Agency is licensed in all 50 states and actively writes hot shot trucking programs nationwide. Your agent can write your policy regardless of where you\u2019re based or which states you operate in.

Contact your carrier\u2019s claims department directly using the number on your policy documents, or call us at 844-967-5247 and we\u2019ll assist with the process. We aim to acknowledge all claim contacts within 2 hours during business hours.

Many of our carrier partners offer monthly payment plans, sometimes with a small finance charge. We\u2019ll present payment options when you review your quote so you can choose what works for your cash flow.

NPN 8608479 is the National Producer Number for Contractors Choice Agency — our license identifier with state insurance departments. You can verify our license at the NIPR website using this number.

Call or email us anytime. Mid-term changes — adding a trailer, updating cargo limits, or adding a driver — are processed quickly and we\u2019ll issue updated certificates the same day in most cases.

We work with multiple A-rated commercial trucking carriers and select the best fit for your operation, driving record, and cargo type. We\u2019re not captive agents — we shop the market on your behalf.

Contractors Choice Agency is located at 12220 E Riggs Road, Suite #105, Chandler, AZ 85249. We serve clients nationally by phone and email.

Our agents are available Monday through Friday, 8am to 5pm Mountain Standard Time. You can also submit quote requests online at any time and we\u2019ll respond the next business day.

Yes. Once your policy is bound, we issue your certificate of insurance immediately. Most carriers also provide digital policy documents same-day.

We work with carriers who specialize in non-standard and high-risk trucking accounts. A poor MVR or prior loss history will affect your premium, but we have markets for most situations. Be upfront about your record when requesting a quote.

Yes. Trucks under 26,001 lbs GVWR don\u2019t require a CDL in most states, and many hot shot operators run legally without one. We write programs for both CDL and non-CDL carriers.

Property damage liability (part of your auto liability) covers damage you cause to someone else\u2019s property with your truck. Cargo coverage protects the freight you\u2019re hauling — a different exposure entirely. Both are essential for a complete hot shot program.

If you\u2019re hauling for compensation across state lines, you need an MC number. Intrastate carriers may only need a USDOT number depending on the state. We can help you determine the right authority type for your operation.

Yes. We can pair your trucking program with business owner\u2019s policy (BOP), umbrella, or occupational accident coverage. Bundling can simplify renewals and sometimes reduce overall premium.