Hotshot Truck Insurance

At NITIC, our goal is to offer the best hotshot truck insurance products and services to you in a hassle-free manner. We understand the needs of a wide variety of drivers who drive Hotshot vehicles, and we are fully committed to providing you with professional insurance coverage that meets your needs.

A Hotshot Truck Insurance Quote's Just A Click Away!

Hotshot Coverages at a Reasonably Low Price!
Hotshot truck insurance is designed for trucking companies specializing in rapid freight transfer.
Many truckers in the hotshot trucking business prefer to haul hotshot freight and accelerated loads. The incentive is better rates and higher income per mile, even if it may be challenging to get loads, and those that do get booked typically demand the truck driver to work hard to make the deadline.

Who Needs Hotshot Trucking Insurance?

People who use pickup trucks to transport less-than-loads within a short window, typically to individual clients, need hotshot insurance. It makes no difference if they also have a large vehicle that they employ for interstate or intrastate transportation. Hotshot trucking is an entirely separate category which is why it can typically require a customized hotshot truck insurance plan.

Three different truck types are employed in hotshot trucking:

  • Category 3 - 10,001–14,000 pounds
  • Category 4 - 14,001–16,000 pounds
  • Category 5 -16,001–19,500 pounds

Hotshot Truck Insurance Coverages You Need

Hotshot truckers require the following coverages for a well-designed hotshot truck insurance policy:

Comprehensive

This safeguards your hotshot truck against physical loss from fire, theft, and vandalism.

Collision

Collision liability in hotshot business insurance shields your equipment against damage in the case of a rollover or collision with stationary objects or other moving vehicles.
Ramps, tarps, and binders are covered under your insurance to safeguard your priceless equipment from vandalism, theft, fire, accident, and other harm.

Combined Deductibles

Hotshot pickup truck insurance policy enables hotshot truckers to pay just one deductible in the case that a loss involves both cargo loss and damage to the vehicle and trailer.
Commodities are covered while being loaded or emptied during loading and unloading.

Debris Removal

Debris removal covers reasonable and necessary charges to remove debris after an occurrence resulting in the Hotshot truck’s wreckage.

Why Choose NITIC

The National Independent Truckers Insurance Company, RRG is a well-known multi-line commercial truck insurer. Because NITIC is one of the largest and most well-known insurance companies in the United States, with an AM Best Rating (B+) and a Financial Rating of B++, it is aware of the hazards that carriers face in the modern insurance market.

The professional expertise and attention to the customer’s needs that have always defined NITIC’s strategy for insurance solutions serve as the cornerstone of the company’s services to assist customers in effectively managing their cost of risk.
Apply for hotshot truck insurance with the National Independent Truckers Insurance Company soon to safeguard your assets. Additionally, we offer online insurance quotes and full truck insurance.

GET YOUR CUSTOM FREE QUOTE

Sheri is the best customer service rep around. Very pleasant and very informative.

Niomi Ross

Read reviews from real users

4.7/5

TESTIMONIALS

Jamie Martinez has to be one of the best customer service representatives I have dealt with in a while. Very polite, professional, and very knowledgeable. I would recommend her without thinking about it !!
Adam ElshazlyGoogle Review
★★★★★ 5/5
Adam Elshazly
I just had the best experience! I was serviced by Tania who was of an amazing assistance! She worked very professional, had a lovely attitude, and was very proficient as well as effective in helping me! She is a great and hard worker!!
Saysha GonzalezGoogle Review
★★★★★ 5/5
Saysha Gonzalez
Brett and Felipe are very knowledgeable as it relates to my insurance coverage and they are very prompt in answering any questions I got accurately. The service is up to par and u will not be dissatisfied
Tifroy ClarkeGoogle Review
★★★★★ 5/5
Tifroy Clarke
Brett Lewis is the agent that assisted me and he is absolutely awesome. He was very informative and helpful…I think I have found my new home with truckers insurance.
Ashley HunterGoogle Review
★★★★★ 5/5
Ashley Hunter
I've had truck insurance with National for about 5 years now and find their customer service very helpful and friendly.
Tim TrublehornGoogle Review
★★★★★ 5/5
Tim Trublehorn
Today my company needed to add additional coverage to our policy. Brett was VERY RESPONSIVE and got the JOB DONE. I would definitely recommend this company but BRETT in particular. Brett’s the BEST. Oh and Dana is great too lol.
BJ & Son LLCGoogle Review
★★★★★ 5/5
BJ & Son LLC
Previous
Next

FAQs

Hotshot truck insurance is a type of commercial insurance policy which is designed for truckers and businesses who haul cargo using a truck and trailer. If you are into this business, you require hotshot insurance coverage to protect it from several potential risks on the road.

Hotshot truck insurance does not always have a fixed price and can vary for several reasons.
  • The restrictions your company has can cause prices to fluctuate. Depending on your shipper, the larger the limit is preferable since many shippers would be pleased to know that you can transport mounds of cargo.
  • Your credit rating can also affect the cost of the insurance policy.
  • The type of truck you operate.
Quotes typically start from $10,000 to $20,000 per year.
You are protected against the following dangers with hotshot truck insurance:
  • Damage to stationary objects and other vehicles during a collision
  • Covers the expenses of repairs.
  • The medical costs associated with accident-related injuries are covered by insurance.
  • It also includes compensation for lost earnings for those hurt in auto accidents.
  • It provides coverage for your vehicle or trailer in the event of a fire, robbery, damage, or other physical losses other than accidents.

Your cargo insurance requirement depends on various aspects. If you want adequate coverage for your vehicle then before setting its limit, consider factoring in the following:

  • Type of truck: Heavy duty truck and old model trucks which needs regular maintenance and repair require a high level of coverage.
  • Freight and cargo: The limit of insurance coverage should cover the amount and value of freight you carry.
  • Moving hours: Trucks that transport shipments at the night are exposed to more risks than in daylight. So you need to set the coverage limit keeping that in mind.

There are multiple factors that affect the rate of hotshot trucking insurance. This means the cost of this truck insurance varies from trucker to trucker. The following are some of the major influencing factors that decide the rate of hotshot truck insurance:

  • The value of trucks and trailers.
  • What sort of cargo do you haul?
  • The deductibles you have chosen.
  • The limit of coverage.
  • The radius of your business.
  • The experience and driving record of the trucker.

For dually trucks, you need specialized trucking insurance namely hotshot insurance to protect it against various unexpected risks. This insurance is ideal for small trucks that transport goods under a speedy timeline. It covers the cargo, the vehicle used to transport it, and the trailer.

Hotshot truck insurance covers you against the following risks:

  • Protect your truck and trailer in the event of a collision.
  • Pays for the damages done to other vehicles or property.
  • Pays for the truck repair costs after an accident.
  • This policy covers the medical expenses arising out of an accident.
  • Covers for the damages or loss of cargo after theft, collision, fire, etc.
  • Reimburse for the cost of repairing or replacing the truck or trailer after an accident.