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Expeditor Insurance


Commercial insurance for hotshot trucking is what you need to keep your investment safe. In case you need our services, we can easily be reached via phone or email.

Upon establishing your needs, we will market your application to many markets to obtain the best quote to fit your requirements. Our prices are affordable and we strive to find the right insurance company for you.

Classic American bonneted large green rig semi truck with high stylish chrome exhaust pipes transporting commercial cargo in bulk container trailer on the highway with trees behind the safety fence

Under what circumstances is commercial insurance for hotshot trucking essential?

The insurance policy is originally designed for entrepreneurs. While on the road, your truck and goods it may be ferrying face several risks. To safeguard your client’s property and your asset too, having an insurance policy is, therefore, a smart idea.

The structure of your hauling should be simple to enable the insurance company to figure out your policy and compensation. If it occurs that you are dealing in goods such as boats, freight, vehicles and much more within a smaller radius, then commercial insurance for hotshot trucking is the best choice for you.

What dictates the price tag of commercial insurance for hotshot trucking?

A variety of factors dictate the price one is to pay. The type of your truck and its model are crucial indicators of the value of your monthly premiums. The experience you have with your CDL is another aspect that our insurance company will consider when determining the value of your premiums. Surprisingly, your personal credit also matters. However, the greatest determinant is the types of insurance covers you need depending on what you are securing against.

How do you minimize paying extra insurance fees?

We work to lead you thru the maze of insurance terms and coverages to make sure you have the right coverage at the right price. We will help in gauging the lowest price for your insurance coverage. You can increase the number of your deductibles and initiate reasonable limits for your insurance claims.

Always involve a professional to guide you through the critical aspects of the insurance contract. With our expert advice, you will get the most economical cover that will is sufficient to cater for all your needs. Before signing up for any cover try to explore avenues of getting any discounts so that they can lessen your payments. Settling your policy payments in full amounts and at the right time is the best way to remain in good terms with your insurer.

What affects the value of your premium?

The first thing is the value of the load on board. The limit that insurance companies authorize is as the minimum. Sometimes it can also be as low as $100,000 when the goods are still in the warehouse or as much as $500,000. Another important factor is the amount of cargo which should be from $5,000 to $100,000.

We will only calculate your premiums with the higher cargo value if your equipment is prone to leakages or breakages during transit. The value of your claims also gets affected by calamities such as flood, theft, and fire. This is only factored in when the risk is of them occurring is high enough to warrant precautions.

For all the progress man has made in the early years of the 21st century, you’d expect trucks to be obsolete right now. But despite rail being a cheaper mode of transporting goods and air being the fastest of them all, trucks still find their relevance in that they bridge the gap between manufacturer and consumer. I mean, once goods are delivered to the city by either rail or air transportation, how else are they going to make their way to your doorstep? At we realize the many challenges consumers and retailers alike try to overcome by using alternatives to trucks. However so, a truck is the most convenient door to door delivery system known to man and it’s about time you start considering truck insurance and how best it can allay some of the fears that are inherent to using road transportation.

Trailer Interchange vs Non Owned Trailer Coverage

It’s not uncommon for truckers to make use of trailers belonging to other truck owners. In fact, these days, it’s actually the norm rather than the exception, a scenario that is pushing insurers to extend auto over to the non-owned trailers attached to their vehicles. Be that as it may, it’s also not uncommon for insurers to exclude non-owned trailers from the original vehicle cover and expect trucking companies to add it to their policies separately.

Non-owned Trailer Coverage

It should come as a source of satisfaction that this cover extends to your vehicle as well as to any non-owned trailers and containers attached to the covered vehicle. As if that wasn’t enough, this cover makes clear mention of maximum coverage amounts for physical damage on non-owned trailers. However, the true beauty of this kind of cover is that it is unnecessary to have a written agreement, it literally applies automatically. Suffice to say, insurance payouts are limited only to losses that are incurred when the non-owned trailer is attached to the power unit that is covered.

So, what then are the main differences between trailer interchange and non owned trailer coverage?

Trailer interchange insurance is the most popular kind of truck insurance for trucking companies. It is extensive cover in that it covers the insured for damages incurred to trailers whether or not they’re attached to their vehicles at the time of the loss in question. All that is required is possession, i.e. the trailer must be in the trucker’s care. In addition, container trucking companies are included in the definition of trailers, thereby making it a convenient necessity in instances of intermodal operations where equipment includes both a container and a trailer chassis. What is perhaps the most distinguishing feature of trailer interchange insurance is that it requires the existence of an ‘equipment interchange agreement” before cover is extended to non-owned trailers that may, from time to time, be in your possession, custody or care.

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