Primary Liability Insurance for TX hot-shot owner-operators.
Pays for bodily injury and property damage you cause to others while operating under your authority.
Rate band pending
We have not yet extracted a public Texas Department of Insurance filing for primary liability on hot-shot operation operators in Texas. The carriers writing the line are listed below; the band will publish here once a filing is reviewed.
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Carriers writing in TX
5 carriers we expect to quote this risk in Texas.
AM Best ratings shown below were verified directly. Whether a specific carrier currently has open appetite for your operation is the producer's call at submission.
Progressive Commercial
The Progressive Corporation
Largest commercial-auto insurer in the US by direct premium written. Owner-operator and small-fleet focused.
A+ (Superior)Great West Casualty
Old Republic International
Long-tenured trucking specialist; conservative underwriting, emphasis on loss-control services.
A+ (Superior)Canal Insurance
Canal Holdings
Trucking specialty since 1939; non-standard risks accepted.
A- (Excellent)Northland Insurance
Travelers Companies
Travelers' commercial trucking specialty unit.
A++ (Superior)Sentry Insurance
Sentry Insurance Group
Mutual carrier with deep trucking specialization; favors larger fleets and established carriers.
A+ (Superior)AM Best ratings change. Dispatched displays the rating only when verified against ambest.com and stamped with the verification date in our data layer. Pending entries reflect that we have not completed verification — not that the carrier's rating is missing or weak.
Editorial
Primary liability for hot-shot operators in Texas
Hot-shot operations — typically Class 3 to Class 5 dually pickups pulling gooseneck or bumper-pull trailers under newly-issued MC authority — sit in the most challenging segment of the Texas commercial-trucking primary liability market. Admitted carriers frequently decline these risks; surplus-lines placement through SLTX is the typical path for the first three to five years of authority operation.
Two factors drive the rate environment for Texas hot-shot risks. First, hot-shot operators frequently work expedited and partial-load freight from broker load boards, which exposes them to less-vetted shipper relationships and more complex routing — both of which underwriters price into the base rate. Second, the gooseneck-trailer combination GVWR (typically 14,000–19,500 lbs) sits below the FMCSA Class 8 thresholds, but cargo and routing patterns frequently match Class 8 lanes — creating a mismatch between underwriting class and actual exposure that prices to the higher class.
HB 19 (2021) reformed direct-negligence litigation against motor carriers in Texas, but the favorable effect on rates is most visible in the standard-market Class 8 segment. For hot-shot risks already in the surplus-lines channel, the practical effect on premiums is muted; SLTX's 4.85% premium tax plus stamping fee continues to apply.
We have not yet extracted a public Texas Department of Insurance filing for primary liability on hot-shot risks. The rate band will publish once the filing is reviewed by a Texas-licensed producer.
Dispatched is a comparison and matching platform. In Texas, coverage is placed by licensed producers and bound by carriers appointed in TX; Dispatched does not bind coverage. Where we accept your contact information for a quote, that consent will be one-to-one with the named producer partner identified at submission.