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Independent insurance guidance across 9 licensed states (786) 288-6167
Hancy’s Insurance AgencyTrusted Independent Insurance Agency

Trusted Independent Insurance Agency

Hot Shot Insurance for Your Hauling Business

Review coverage for hot shot hauling, your vehicles, trailers, cargo, operating radius and required filings.

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Coverage where you live and work

Coverage Guidance Across Our Nine Service States

Reviewed October 11, 2026. Select coverage for your product and location; state rules and individual requirements are different.

Texas coverage guidance

Texas Coverage Requirements and Choices

Personal-car minimums are not a complete commercial insurance specification. Texas vehicle registration, for-hire status, vehicle weight, operating authority, cargo and interstate travel must be reviewed together.

For interstate for-hire non-hazardous property carriers subject to FMCSA requirements, the published liability baseline is $300,000 below 10,001 pounds GVWR and $750,000 at or above 10,001 pounds. Hazardous cargo and passenger operations have different requirements. Broker and shipper contracts may require higher limits.

FMCSA insurance and filing requirements · Texas vehicle insurance information

Florida coverage guidance

Florida Coverage Requirements and Choices

Personal-car minimums are not a complete commercial insurance specification. Florida vehicle registration, for-hire status, vehicle weight, operating authority, cargo and interstate travel must be reviewed together.

For interstate for-hire non-hazardous property carriers subject to FMCSA requirements, the published liability baseline is $300,000 below 10,001 pounds GVWR and $750,000 at or above 10,001 pounds. Hazardous cargo and passenger operations have different requirements. Broker and shipper contracts may require higher limits.

FMCSA insurance and filing requirements · Florida vehicle insurance information

Georgia coverage guidance

Georgia Coverage Requirements and Choices

Personal-car minimums are not a complete commercial insurance specification. Georgia vehicle registration, for-hire status, vehicle weight, operating authority, cargo and interstate travel must be reviewed together.

For interstate for-hire non-hazardous property carriers subject to FMCSA requirements, the published liability baseline is $300,000 below 10,001 pounds GVWR and $750,000 at or above 10,001 pounds. Hazardous cargo and passenger operations have different requirements. Broker and shipper contracts may require higher limits.

FMCSA insurance and filing requirements · Georgia vehicle insurance information

New Mexico coverage guidance

New Mexico Coverage Requirements and Choices

Personal-car minimums are not a complete commercial insurance specification. New Mexico vehicle registration, for-hire status, vehicle weight, operating authority, cargo and interstate travel must be reviewed together.

For interstate for-hire non-hazardous property carriers subject to FMCSA requirements, the published liability baseline is $300,000 below 10,001 pounds GVWR and $750,000 at or above 10,001 pounds. Hazardous cargo and passenger operations have different requirements. Broker and shipper contracts may require higher limits.

FMCSA insurance and filing requirements · New Mexico vehicle insurance information

Kansas coverage guidance

Kansas Coverage Requirements and Choices

Personal-car minimums are not a complete commercial insurance specification. Kansas vehicle registration, for-hire status, vehicle weight, operating authority, cargo and interstate travel must be reviewed together.

For interstate for-hire non-hazardous property carriers subject to FMCSA requirements, the published liability baseline is $300,000 below 10,001 pounds GVWR and $750,000 at or above 10,001 pounds. Hazardous cargo and passenger operations have different requirements. Broker and shipper contracts may require higher limits.

FMCSA insurance and filing requirements · Kansas vehicle insurance information

Ohio coverage guidance

Ohio Coverage Requirements and Choices

Personal-car minimums are not a complete commercial insurance specification. Ohio vehicle registration, for-hire status, vehicle weight, operating authority, cargo and interstate travel must be reviewed together.

For interstate for-hire non-hazardous property carriers subject to FMCSA requirements, the published liability baseline is $300,000 below 10,001 pounds GVWR and $750,000 at or above 10,001 pounds. Hazardous cargo and passenger operations have different requirements. Broker and shipper contracts may require higher limits.

FMCSA insurance and filing requirements · Ohio vehicle insurance information

South Dakota coverage guidance

South Dakota Coverage Requirements and Choices

Personal-car minimums are not a complete commercial insurance specification. South Dakota vehicle registration, for-hire status, vehicle weight, operating authority, cargo and interstate travel must be reviewed together.

For interstate for-hire non-hazardous property carriers subject to FMCSA requirements, the published liability baseline is $300,000 below 10,001 pounds GVWR and $750,000 at or above 10,001 pounds. Hazardous cargo and passenger operations have different requirements. Broker and shipper contracts may require higher limits.

FMCSA insurance and filing requirements · South Dakota vehicle insurance information

Arizona coverage guidance

Arizona Coverage Requirements and Choices

Personal-car minimums are not a complete commercial insurance specification. Arizona vehicle registration, for-hire status, vehicle weight, operating authority, cargo and interstate travel must be reviewed together.

For interstate for-hire non-hazardous property carriers subject to FMCSA requirements, the published liability baseline is $300,000 below 10,001 pounds GVWR and $750,000 at or above 10,001 pounds. Hazardous cargo and passenger operations have different requirements. Broker and shipper contracts may require higher limits.

FMCSA insurance and filing requirements · Arizona vehicle insurance information

Virginia coverage guidance

Virginia Coverage Requirements and Choices

Personal-car minimums are not a complete commercial insurance specification. Virginia vehicle registration, for-hire status, vehicle weight, operating authority, cargo and interstate travel must be reviewed together.

For interstate for-hire non-hazardous property carriers subject to FMCSA requirements, the published liability baseline is $300,000 below 10,001 pounds GVWR and $750,000 at or above 10,001 pounds. Hazardous cargo and passenger operations have different requirements. Broker and shipper contracts may require higher limits.

FMCSA insurance and filing requirements · Virginia vehicle insurance information

Requirements can change. A licensed agent reviews the applicable policy, vehicle or business classification, contracts and official requirements before binding.

Trucking Insurance Coverage Built Around You

Compare options for owner operators, new ventures, fleets, box trucks, and cargo needs.

Operations before price

Tell us your authority status, years in business, operating radius, cargo, and vehicle count.

Coverage and filings

Discuss commercial auto liability, physical damage, cargo, and required filings with a licensed agent.

Contracts and certificates

Bring broker, shipper, or lease requirements so the coverage review reflects your operation.

Why Choose Hancy’s Insurance Agency?

HIA helps individuals, families, and businesses compare available insurance options through one independent agency. A licensed agent explains limits, deductibles, exclusions, and next steps before you choose.

  • Compare available carrier and partner-market options
  • Get guidance based on your actual coverage needs
  • Review policy terms and payment options
  • Receive help with renewals, policy changes, and claims direction

Final rates and eligibility depend on carrier underwriting. Coverage is not bound until confirmed.

Compare Trucking Insurance by State

Explore insurance resources across HIA’s nine licensed states. Availability varies by product, location, and eligibility.

Texas Trucking Insurance →Florida Trucking Insurance →Georgia Trucking Insurance →New Mexico Trucking Insurance →Kansas Trucking Insurance →Ohio Trucking Insurance →South Dakota Trucking Insurance →Arizona Trucking Insurance →Virginia Trucking Insurance →

Why Clients Trust HIA

Independent guidance

Review coverage through available carriers and partner markets with one agency.

Coverage explained

Understand limits, deductibles, exclusions, and underwriting before making a decision.

Service after the sale

Request policy changes, renewal reviews, documents, and claims guidance.

Possible Market Options

Carrier availability depends on your state, coverage needs, underwriting, and HIA’s active market access. Ask your agent which options are available for your request.

Cover Whale

Review available coverage, limits, deductibles, and eligibility with HIA.

Compare Options

Diesel Insurance

Review available coverage, limits, deductibles, and eligibility with HIA.

Compare Options

Burns & Wilcox

Review available coverage, limits, deductibles, and eligibility with HIA.

Compare Options

What HIA Customers Say

Customer experiences with our agency, shared on Google.

★★★★★

“Fast and easy”
Ty BAKER

Google review

★★★★★

“The agent was very courteous and helpful. He made sure I was a satisfied customer.”
sherry Morris

Google review

★★★★★

“Hancy’s Insurance is one of the best insurance agents I’ve ever worked with.”
Donell Barkes

Google review excerpt

Visit HIA on Google →

Simple from the start

One Request. A Clear Next Step.

01

Tell us what you need

Choose coverage and share the basic details. Start with a short request, then provide what the agent needs for a quote.

02

Review available options

A licensed advisor checks market availability and explains coverage, deductibles, and costs.

03

Choose with support

Ask questions before deciding. HIA can help with service requests and policy reviews after the sale.

Get My Options

Explore Coverage for Your Needs

Hot Shot Insurance for Your Hauling Business →Owner Operator Trucking Insurance →New Venture Trucking Insurance →Fleet Trucking Insurance →Box Truck Insurance →Motor Truck Cargo Insurance →

Frequently Asked Questions

How do I get a Trucking Insurance quote?

Start with your contact details, ZIP code, and coverage request. A licensed HIA agent reviews what is needed to compare available options.

Does requesting a quote activate coverage?

No. A quote request does not bind coverage. Coverage begins only when the insurer confirms the policy and its effective date.

Can HIA compare more than one insurance company?

HIA is an independent agency with access to multiple carriers and partner markets. Available options depend on your state, coverage needs, and eligibility.

What information helps with a trucking quote?

Business name, vehicle count, authority or lease status, driver experience, cargo, operating radius, and contract requirements help guide the review.

Is the lowest price always the best option?

Price matters, but review policy limits, deductibles, exclusions, and the protection you need before choosing.

Can I start online and finish with an agent?

Yes. Complete the quote request online, then review your coverage and available options with a licensed HIA agent.

Let’s Compare Your Options.

One agency to help you understand coverage and find a policy that fits.

Start Trucking Quote

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