Fast Coverage for Fast Haulers

NOCO Insurance Advisors LLC Has You Covered in Colorado, Utah, Texas, and Wyoming

Hotshot trucking is all about speed, flexibility, and getting loads delivered on time — but none of that matters without proper insurance in place. Whether you're running a class 3-5 truck with a gooseneck trailer or hauling urgent freight across state lines, being properly insured and FMCSA compliant isn't optional — it's required.

At NOCO Insurance Advisors LLC, we specialize in protecting hotshot operators with tailored insurance packages that meet both your needs and all federal and state requirements.

Get A Quote Today
Black and white image of a line of trucks on a highway, creating a sense of congestion and pause, illustrating a busy or delayed traffic scene.

Required Coverages for Hotshot Truckers

To operate legally and protect your business, you'll need a few key coverages:

Auto Liability – $750,000 or $1,000,000 Minimum

Federal regulations (FMCSA) require a minimum of $750,000 in liability coverage to operate interstate. Many brokers and shippers, however, require $1,000,000 to secure contracts —and we recommend this higher limit for most hotshot drivers.

This coverage protects you in the event you're at fault in an accident involving bodily injury or property damage.

Motor Truck Cargo Insurance – Minimun $100,000 Recommended

Cargo insurance covers the value of the goods you're hauling if they're damaged or lost in transit. Most load brokers require at least $100,000 in cargo coverage, and higher limits are available depending on what you hual.

We'll make sure you're covered for the type of freight you carry — whether it's machinery, construction materials, or oilfield equipment.

Additional Coverage to Consider

  • Physical Damage Coverage – Protects your truck and trailer from theft, vandalism, fire, or collision.
  • Trailer Interchange Coverage – If you're hauling a trailer, you don't own, this protects you in case of damage or loss.
  • General Liability – Covers claims of bodily injury or property damage that occur off the road, like at a loading dock or rest stop.
  • Occupational Accident Insurance – A flexible alternative to Workers' Compensation for owner-operators.

FMCSA Compliance Requirements

To get your operating authority (MC number) and stay compliant, hotshot truckers must have:

  • Proof of liability insurance on file with FMCSA
  • BOC-3 filing (Designation of Process Agents)
  • USDOT number (for interstate or certain intrastate operations)
  • MC number (for-for-hire carriers)
  • Our team handles the filings and ensures your policy meets all FCSA requirements — so you can hit the road worry-free.

Why Work With NOCO Insurance Advisors LLC?

We understand the hotshot world. You need fast quotes, flexible policies, and expert advice that won't slow you down. We serve Colorado, Utah, Texas, and Wyoming, and we are licensed to help you get insured in multiple states if needed.

Whether you're just starting out or expanding your hotshot fleet, NOCO Insurance Advisors LLC will make sure you're properly protected, FMCSA compliant, and ready for the road ahead.

Let's get you on the road.

Call us today or request a quote online. We'll get you the coverage you need — fast.

Find the right hotshot trucking insurance for your needs.

Get A Quote Today