Hot Shot

Hot Shot Insurance Requirements: Authority, CDL and Coverage Explained

By the State & Co Truck team · Updated November 14, 2026

Hot shot trucking (a heavy-duty pickup pulling a gooseneck or flatbed) has a low startup cost compared to a semi. That is also why insurers look at hot shot operations carefully. Here is what you need to be legal and insurable.

Do you need a USDOT number and MC authority?

If your truck and trailer combined are rated over 10,000 lbs and you operate in interstate commerce, you need a USDOT number. If you haul other people's freight across state lines for pay, you also need MC operating authority. The FMCSA will not activate your authority until your insurer files your liability coverage.

When a hot shot driver needs a CDL

A Class A CDL is required when the gross combination weight rating is 26,001 lbs or more and the trailer is rated over 10,000 lbs. Many hot shot operators set up just under that line to run without a CDL. Insurers price the two setups differently: a CDL driver with experience often gets more carrier options, even when the CDL is not strictly required.

Liability minimums

For for-hire interstate general freight, the federal minimum is $750,000 for vehicles rated 10,001 lbs or more. Most brokers require $1,000,000. If you haul oil or certain hazardous materials, the minimums go up to $1,000,000 or $5,000,000.

Cargo coverage

Cargo insurance is not federally required for most freight, but brokers almost always ask for it, typically $100,000. Hot shot loads often include equipment, machinery and building materials. Make sure your cargo policy does not exclude what you actually haul, and that the limit covers your most valuable load.

Physical damage on the truck and the trailer

List both units with their correct values. A $90,000 pickup and a $25,000 gooseneck need to be scheduled separately, and your lender will require coverage on anything financed.

Why new hot shot authorities pay more

A brand-new authority has no loss history, so the first-year price is higher. What helps: drivers with clean MVRs and years of towing experience, an honest description of radius and freight, and continuous coverage with no lapses. After 12 months, more carriers will quote.

Ready to price it out? See hot shot insurance or send us your DOT number.