Alishahi InsuranceIndependent Insurance Broker
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Who insures it · 2 named markets · read 2026-10-28

Who insures Hot shot trucking?

Hot shot trucking is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

2 markets publicly write Hot shot trucking: Progressive Commercial, Cover Whale. 1 admitted carrier, 1 MGA.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

MarketWhat they say they writeWherePaperSource
Progressive Commercial
Admitted carrier		Dedicated hotshot trucking insurance product page offering commercial insurance for hotshot trucking businesses.
“Commercial insurance for hotshot trucking”		not statednot statedprogressivecommercial.com · read 2026-10-28
Cover Whale
MGA		Auto liability for Class 2 through 8 trucks including hotshots, with non-trucking liability, motor truck cargo (refrigeration available) and physical damage; hazmat, household goods, double/triple trailers, cement, oversize/overweight, logging and refuse are ineligible.
“Class 2 through 8 available - including hotshots”		AL non-admitted: AL, AR, AZ, CA, CO, DE, FL, GA, IA, ID, IN, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NJ, OH, OK, OR, PA, RI, SD, TN, TX, UT, VA, VT, WA, WV; AL bothcoverwhale.com · read 2026-10-28

Prime, Canal, Northland, Great West, National Interstate and NITIC pages do not name hot shot operations. WebSearch budget ran out before hot-shot-specific follow-up searches.

How Hot shot trucking gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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