Hotshot & Dually Trucking InsuranceHotshot Trucking Insurance for Owner-Operators
Tell us what you haul, where you operate and what dually pickup and trailer equipment you run. We'll use that information to help identify applicable coverage options.
Hotshot operators using heavy-duty pickups (such as F-350, F-450, Ram 3500/4500/5500, or Chevy 3500HD) with gooseneck or fifth-wheel trailers need commercial trucking policies built for for-hire freight and equipment hauling.
- Licensed in: Georgia & authorized states (view matrix)
- Based in: Atlanta, GA, USA
- No obligation to request a quote
- No SSN or payment required in the initial step
Multi-Carrier Shop
Compare multiple US insurance carriers from one single online application.
Fast COI & Filings
Prompt certificates of insurance (COI), BMC-91 & SR-22 filing support.
New Authorities Welcome
Dedicated programs for new USDOT/MC numbers, box trucks & owner-operators.
Licensed Independent Advice
Transparent coverage comparisons with zero obligation to buy.
Coverage Options
Core coverages evaluated for Hotshot & Dually Trucking Insurance
Coverage limits, deductibles, and endorsements are structured around your equipment, contracts, and operating authority:
- Primary Auto Liability ($750,000 or $1,000,000 CSL) with FMCSA filing support when required
- Motor Truck Cargo coverage for machinery, building materials, oilfield equipment, or vehicles
- Physical Damage for both the heavy-duty pickup and gooseneck/lowboy/wedge trailer
Intended Customer Profile
Who this insurance program helps
- CDL and Non-CDL (under 26,001 lbs combined GVWR) hotshot owner-operators
- Expedited flatbed, step-deck, and equipment gooseneck haulers
- 3-car and 4-car wedge trailer auto haulers
Key Operational Risks Addressed
- • Combined GCWR weight compliance and roadside scale inspection issues
- • Load securement, tarping, and ramp loading claims on flatbed/gooseneck trailers
- • High mileage and multi-state radius exposure
What influences your premium
Premiums vary materially by state, authority age, driving history, equipment value, cargo, radius, limits and loss history. Key underwriting cost drivers include:
- Combined GVWR, operating radius, and new-venture vs. established authority tenure
- Commodities hauled (general flatbed freight vs. vehicles or heavy machinery)
- Driver age, CDL status, and MVR history
Underwriting considerations
- Accurate truck GVWR and trailer GVWR disclosure to verify CDL vs. Non-CDL compliance
- Active or pending USDOT/MC authority for interstate for-hire hotshot operations
Common exclusions & terms to verify
- Personal pickup truck policies exclude for-hire hotshot hauling and gooseneck freight transport
- Hauling automobiles on a wedge trailer requires auto-hauler cargo wording rather than general flatbed cargo
What to have ready for an accurate quote
- Pickup truck and gooseneck trailer VINs, GVWRs, and stated values
- USDOT and MC numbers, driver license details, and list of commodities hauled
Related Regulatory & Coverage Guides
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View Trucking & Transportation Pillar Hub →Frequently asked questions
Helpful answers before you begin.
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