Hot Shot Truck Insurance
Need hot shot truck insurance for your company? Let our trucking industry experts help.

Hot Shot Truck Insurance
Whether you’re looking to insure your new hot shot business or shopping for your renewal, we can help. We’ve specialized in trucking since 1985 and have a team of trained agents that know the risks you face out there on the road.
Hot shot truck insurance is sometimes referred to as expediter’s insurance. This is because smaller personal trucks are used to haul goods instead of semis. This insurance will protect your cargo, trailer, and truck.
Here at InsuranceHub Leavitt Agency, we can curate a policy specific to you and your hot shot business’s needs. Give us a call today or fill out our online quote form!
What’s considered a hot shot truck?
A hot shot is a heavy-duty personal pickup truck. So, instead of using the typical class 8 truck, you’re using a class 3, 4, or 5 instead.
Several industries use hot shots for their everyday operations, such as:
Agricultural
Construction
What type of insurance do hot shot trucks need?
Every trucking business has its own unique risks. Therefore, the coverage needed will vary from business to business.
Hot shot trucks are heavy-duty pickup trucks that haul expensive goods like machinery and equipment. Therefore, they need to be properly insured! You wouldn’t want to be left footing the bill if an accident occurs or the cargo is damaged.
Here are the coverages a typical hot shot will need to be protected:
How much does hot shot truck insurance cost?
The insurance company you choose and several other factors can affect the cost of your hot shot truck insurance. What will happen is an insurer will evaluate your business to determine the overall level of risk. If you’re deemed risky to insure, you’ll likely pay more for your insurance.
Here are some of the common factors that’ll affect the cost of your hot shot truck premiums:

- Hauling radius
- Type of cargo you haul
- Age and experience of your drivers
- DUIs
- Speeding tickets
- Accidents
- Deductible and limit
- Age and condition of your trucks
- Location