Hotshot Trucking
Hotshot insurance — from Ram 3500s to F-450s pulling gooseneck.
Hotshot is trucking. Your policy needs to know it.
Hotshot coverages
- Primary auto liability + MCS-90
- Physical damage (truck & trailer)
- Motor truck cargo ($25K–$100K typical)
- General liability
- Non-trucking liability if leased on
- Trailer interchange
Is hotshot considered commercial trucking?
Yes, if you're hauling for hire and your GCWR exceeds 10,001 lbs. Even non-CDL hotshots need commercial trucking insurance and FMCSA authority for interstate loads.
Does regular commercial auto cover hotshot?
No. Standard commercial auto excludes for-hire hauling. You need a motor carrier policy with primary auto liability and cargo.
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