Coverage lines

Hot Shot Insurance Coverage Lines.

From your FMCSA authority filing to cargo liability, physical damage, and occupational accident — we build complete programs for owner-operators and small hot shot fleets.

Essential coverage

Motor Carrier Authority Coverage

FMCSA-required filings and the underlying cargo liability your MC number demands. We handle the MCS-90 endorsement, BMC-91/91X filings, and match your authority type to the right coverage limits so you stay legal and loaded.

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Cargo Insurance

Protects the freight you haul from pickup to delivery — theft, collision damage, loading/unloading accidents, and sudden physical loss. Broad form cargo policies for flatbed, gooseneck, step-deck, and enclosed loads.

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Physical Damage Coverage

Comprehensive and collision for your 1-ton pickup, dually, and trailer. We insure your rig at stated value or ACV — including custom sleeper cabs, toolboxes, fifth-wheel hitches, and gooseneck ball setups.

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Bobtail Insurance

Liability protection when you operate your truck without a trailer — between loads, deadheading, or repositioning. Fills the gap your motor-carrier policy leaves open when you’re off dispatch.

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Trailer Interchange

Physical damage coverage for trailers you don’t own but haul under interchange agreements. Essential for hot shots who use broker-assigned trailers, rental flatbeds, or shared equipment.

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Non-Trucking Liability

Covers your liability exposure when using your truck for personal, non-business purposes — commuting, errands, or time off between hauls. Required by most motor carriers for leased owner-operators.

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General Liability

Business liability protection beyond your truck — covering third-party bodily injury and property damage from your loading operations, dock presence, and daily business activities as an independent carrier.

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Occupational Accident

Injury coverage for independent owner-operators who aren’t covered by workers’ compensation. Pays medical bills, disability income, and accidental death benefits when you’re hurt on the job.

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Build Your Hot Shot Program Today

Tell us about your rig, trailer, and loads — we\u2019ll quote a program that covers every gap.

Get a free quote844-967-5247