Why Cargova
Same coverage. Different outcome.
We work the file by hand
An agent picks which markets see your submission. On a hard file that's most of the outcome.
We tell you when to walk
If this isn't the coverage you need, you'll hear that before you hear a price.
We stay after the bind
Filings, certificates, renewals — the same agent, not a queue.
In short
What hotshot trucking insurance is.
Hotshot operations sit awkwardly between personal and commercial trucking, and get misclassified constantly. Written correctly, the whole file prices differently.
Limits, deductibles and exclusions depend on your operation and the carrier writing it.
Scope
Generally in, generally out.
A rough map. Your policy wording governs — ask your agent about anything here.
Typically addressed
- Auto liability for the rated class
- Cargo and physical damage on the same file
- Trailer coverage on gooseneck and flatbed units
Typically not
- Personal use unless endorsed
- Commodities outside your filed class
Free · No obligation
Quote my hotshot
Four fields. A licensed agent reviews it and calls you back — no auto-quote, no bot pricing.
Hotshot questions
Why is my hotshot quote higher than a semi?
Often it is a classification problem rather than a risk problem. Class 3–5 units get miscoded routinely — that is worth a second look.