Insurance Coverage for Your hotshot truck
Comprehensive protection options designed specifically for high-performance electric bikes.
Get Your Free QuoteCoverage Options
Choose the coverage that fits your hauling style and needs. Mix and match options for complete protection.
- Theft protection at home, on routes, or in transit
- Vandalism and malicious damage
- Fire and smoke damage
- Weather events (hail, flood, wind)
- Falling objects and debris
- Animal collisions
- Single-vehicle accidents
- Multi-vehicle collisions
- Trail and off-road incidents
- Rollover protection
- Coverage regardless of fault
- Repair or replacement value
- Bodily injury liability
- Property damage liability
- Legal defense costs
- Medical expenses for others
- Coverage for lawsuits
- Peace of mind while hauling
- Hospital and doctor bills
- Emergency room visits
- Surgery and treatment costs
- Rehabilitation expenses
- No fault determination required
- Coverage for passengers
- Hit-and-run protection
- Uninsured driver coverage
- Underinsured driver coverage
- Property damage protection
- Medical expense coverage
- Lost wages compensation
- Performance upgrades
- Custom batteries and controllers
- Suspension modifications
- Body kits and fairings
- Lighting and electrical mods
- Sound systems and accessories
TRUCKS WE PROTECT
From duallies to medium-duty rigs, we insure all hotshot configurations nationwide.
1-Ton Dually
Classic hotshot workhorse
Up to 40ft flatbed trailers
3/4-Ton Heavy Duty
Versatile mid-weight hauler
Perfect for regional runs
Medium Duty Trucks
Serious hauling power
Class 4-6 commercial trucks
Expedited Freight Rigs
Speed and reliability
Any hotshot configuration
Got a different hotshot setup? We cover it. Contact us to get protected.
Frequently Asked Questions
Common questions about hotshot truck insurance coverage.
What makes hotshot truck insurance different from regular commercial trucking insurance?
hotshot trucks are high-performance electric vehicles that don't fit neatly into traditional insurance categories. Standard commercial trucking policies often undervalue trucks or have exclusions for electric vehicles. We specialize in understanding the true value and unique risks of hotshot trucks.
Does my homeowner's insurance cover my hotshot truck?
Homeowner's policies typically have low limits for motorized vehicles and often exclude them entirely when used off-premises. A dedicated hotshot truck policy provides proper coverage for theft, damage, and liability wherever you haul.
Can I insure a modified hotshot truck?
Yes! We understand that many hotshot truck owners modify their bikes. Our accessory coverage can protect your aftermarket parts and performance upgrades at their true value.
Do you cover off-road hauling?
Absolutely. Whether you're hauling routes, tracks, or private property, our policies can be tailored to cover your actual hauling activities.
What information do I need to get a quote?
You'll need your hotshot truck model, year, any modifications, where you haul, and basic personal information. The quote process takes just a few minutes.
Have more questions? We're happy to help.
Contact UsGet Your Custom Quote
Every haulr is different. Let us create a coverage package tailored to your specific hotshot truck and hauling habits.