Pickup, gooseneck, and a real commercial policy.
For hot shot operators pulling flatbed and gooseneck trailers with one-ton and medium-duty trucks.
Hot shots look like pickups but work like semis. The combined weight of truck and trailer decides which rules and which policy apply.
Over 10,001 lb combined and crossing state lines, you need a USDOT number. Over 26,000 lb, you need a CDL and higher Texas limits.
One day it is oilfield parts, the next a tractor. Cargo coverage must list what you really haul, or the claim can be denied.
Two minutes of details is enough to start. A licensed Texas agent reviews every request, compares the options available from the insurance companies we represent, and explains them in plain language.
Yes. A personal auto policy excludes hauling for hire, no matter the size of the pickup.
If you haul other people's freight across state lines for pay, yes. Some hot shots lease on to a carrier instead and only need non-trucking liability and physical damage.
Fill in the form on this page or call (361) 336-0409. A licensed Texas agent reviews every request and tells you plainly what is available for your operation. Nothing is covered until an insurance company issues a policy.
General information for Texas truckers, not legal advice. Minimums and contract requirements change; coverage is subject to policy terms, conditions and underwriting approval.