Hotshot Insurance For The Way You Actually Run
Hotshot trucking is one of the fastest-growing freight segments in Florida — and one of the most misunderstood by traditional insurance brokers. A Ram 3500 pulling a 40ft gooseneck is technically a commercial truck under DOT rules, but it doesn't fit cleanly into either personal-truck or semi-truck policies.
We write hotshot policies for Melbourne and Brevard County operators based on what you're actually hauling and where you're going: aerospace components to Cape Canaveral, equipment runs along I-95, expedited loads up to Atlanta, or dedicated lanes for a single broker.
If you're running with MC authority, we handle the BMC-91 filing and DOT-required limits. If you're a brand-new hotshot with a fresh MC number, we'll quote new-venture pricing and explain the trade-offs honestly.
Class 3–5
Trucks we insure
Gooseneck, bumper-pull
Trailer types
Included
BMC-91 filings
$10–18k
Avg. annual premium
What We Cover Locally
Primary Auto Liability
$1M CSL with BMC-91 filing for MC-authorized hotshot operators.
Trailer Interchange & Physical Damage
Coverage for the truck and the gooseneck trailer — owned, leased, or borrowed.
Motor Truck Cargo
Limits sized for the actual freight — from $25k for general loads up to $250k for aerospace and equipment.
Built For The Way You Actually Operate
- MC-authorized hotshot owner-operators
- New-venture hotshot startups
- 1-ton & medium-duty Class 3–5 trucks
- Gooseneck and bumper-pull trailers
- Aerospace, equipment, expedited freight
- BMC-91 / FMCSA filings handled
- UCR, IRP, IFTA assistance
- Same-day COIs for brokers
Speak With Mariana Zorrilla
Commercial Insurance Advisor · Garzor Insurance
Mariana understands the unique challenges facing trucking companies, fleet operators, and transportation businesses on Florida's Space Coast. With personalized guidance and years of experience, she'll help you find the right coverage at the right price.
Get Your Hotshot Insurance Quote
Tell us about your operation and we'll build coverage that fits.
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