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Hotshot Commercial Truck Insurance
Many different types of trucking businesses exist – with hotshot trucking being a popular area.
As this is a unique type of trucking, it comes with its specialized insurance requirements. This is why hotshot trucking operators need the right insurance policy that matches their business needs and operations.
If you only offer hotshot trucking services, taking out a regular commercial trucking insurance policy could waste money.
To help you out, here are some of the critical things you need to know about hotshot commercial truck insurance.
What is Hot Shot Trucking?
Hot shot trucking is a trucking and delivery service that involves transporting relatively small, time-sensitive loads. With hot shot trucking, you use smaller trucks, typically one-ton or medium-duty trucks. These are classified as less-than-truckload (LTL) vehicles.
Unlike traditional freight services that use large semi-trucks or tractor-trailers, hot shot trucking utilizes smaller vehicles that can quickly transport goods and cargo to their destination.
Hot shot trucking can cater to various industries, including oil and gas, construction, agriculture, and manufacturing, where the fast delivery of smaller loads is necessary.
The advantage of hot shot trucking is faster delivery times and more personalized service compared to larger freight carriers. This niche transportation service is valuable for its flexibility, speed, and quick response to time-sensitive transport needs.
Who Needs Hotshot Trucking Insurance?
Hotshot trucking insurance is essential for anyone who offers this trucking service.
This insurance is essential for owner-operators running smaller trucks or small trucking companies specializing in rapid delivery. Freelance drivers offering on-demand services may also need a hotshot trucking insurance policy.
Hotshot truckers require specialized insurance coverage to protect against liabilities, cargo damage, and unforeseen incidents on the road.
Getting the right hotshot trucking insurance provides financial protection and peace of mind for the transporter and their clients in the event of accidents or mishaps during transit.
Hot Shot Trucking Coverage
Hotshot trucking insurance refers to commercial trucking insurance that can be applied to specialized hotshot truckers. Coverage can include:
- Liability Insurance: Covers bodily injury or property damage liabilities arising from accidents while operating the truck.
- Comprehensive Insurance: Protects against non-collision incidents like theft, vandalism, or natural disasters.
- Collision Insurance: Covers damages to the truck resulting from collisions.
- Cargo Insurance: Protects the value of the cargo being transported against damage, loss, or theft during transit.
- Loading and Unloading Insurance: Covers liabilities during loading or unloading cargo.
- Towing and Storage Insurance: Covers costs related to towing and storing the truck in case of breakdowns or accidents.
- Bobtail Coverage Insurance: Covers the truck when operated without a trailer, such as when driving back to the home base.
- Downtime Insurance: Provides coverage for income lost due to downtime resulting from accidents or covered incidents.
- Earned Freight Insurance: Covers the income lost if the cargo can’t be delivered due to a covered incident.
- Equipment Coverage: Protects additional equipment used for transportation, such as trailers, chains, and tarps.
- Debris Removal Insurance: Covers costs associated with the removal of debris resulting from covered incidents.
- Broadened Pollution Insurance: Covers liabilities for environmental damage caused by hazardous material spills during transit.
- Loss Mitigation Insurance: Covers expenses incurred to prevent further damage or loss after an incident occurs.
- Medical Payments Insurance: Covers medical expenses for injuries sustained by the driver or passengers in the truck.
- Family Emergency Expenses Insurance: Provides coverage for emergency expenses incurred by the driver’s family due to a covered incident.
- GAP Coverage: This covers the difference between the truck’s actual cash value and the amount still owed on a lease or loan in the event of a total loss.
- Umbrella Insurance: Provides additional liability coverage beyond the limits of primary insurance policies.
Cost of Hotshot Trucking Insurance
The cost of hotshot trucking insurance policies varies based on a range of factors.
Most importantly, your premiums depend on what types of coverage you have. The more comprehensive coverage your policy offers, the more expensive your insurance will be.
The following factors can also affect how much your insurance policy costs:
- Type of equipment being covered
- Coverage limits
- Driving history
- Cargo
- Location
- Deductibles
The bottom line is the more you need to be covered, the more expensive your policy will be.
Lowering the Cost of Hotshot Insurance
Want to get the best deal on hotshot trucking insurance? It’s possible to lower the cost of your premiums by:
- Comparing quotes to see which company offers the best deal
- Increase deductibles to lower your monthly premiums
- Get only essential cover to reduce how much you pay
If you want to purchase hotshot insurance on a budget, only cover the essentials. This could add risks over the long run, but it will decrease your monthly premiums.
How to Find Hot Shot Insurance Cover
Contact insurance companies specializing in commercial trucking or freight transportation and ask if they offer any specialized hotshot insurance options. Request quotes tailored to your specific needs and the nature of your hot-shot trucking business.
Comparing multiple quotes and understanding the details of coverage options will help you choose the most suitable insurance broker for your operations.
Final Thoughts
The right commercial truck insurance policy is essential for the smooth operation of any trucking business. Make sure you compare quotes and understand exactly what coverage options you have. Choosing the right policy can make a significant impact on your business.
If you’re in the hotshot trucking business, you must acquire the right vehicle. At Mission Financial Services, we make it easy for owner-operators to access the financing they need to purchase a commercial truck. Get in touch with us to see how easy the application process is.

General Liability Insurance For Commercial Food Trucks
The right food truck insurance policy is essential for anyone operating a mobile food business.
Insurance for food trucks is vital, as it can cover your vehicle, business, and customer-related incidents. Choosing the right commercial insurance broker is essential in starting a food truck business.
Here’s everything you need to know about this insurance.
What Is Food Truck Insurance?
Food truck insurance is a specialized type designed to protect owners and operators from various risks and liabilities associated with running a mobile food business.
This insurance covers potential losses and damages that could occur while operating a food truck.
Who Needs Food Truck Insurance?
Quite simply, food truck insurance is essential for anyone operating a business with a food truck.
Regardless of the scale of operations, whether it’s a small local food truck or a more extensive mobile catering business, having proper insurance is essential to protect against unforeseen accidents, damages, liabilities, or interruptions to your business that could result in financial losses.
Basic Food Truck Insurance Cover
While each commercial insurance broker offers different plans and types of coverage, basic food truck insurance coverage typically includes two cover areas.
General Liability Insurance
General liability insurance for a food truck typically covers:
- Third-party bodily injury: This covers medical expenses if someone is injured due to your food truck’s operations.
- Third-party property damage: If your food truck or your operations cause damage to someone else’s property, this coverage helps pay for repairs or replacements.
How much commercial general liability insurance do food trucks need? This depends on your specific business and operational plan.
Commercial Auto Insurance
Commercial auto insurance for your food truck covers:
- Accidents and collisions: This coverage helps pay for repairs to your food truck if it’s damaged in an accident, regardless of fault.
- Liability for auto accidents: If your food truck is involved in an accident that causes injuries or property damage to others, this coverage helps cover related expenses.
Other Insurance Coverage You Might Need
We’ve covered the foundations of food truck insurance. However, depending on your food truck operation’s specific needs and risks, additional business insurance coverage options might be worth looking into.
While this raises food truck insurance costs, it could be valuable for the right business.
Here are some extra options to consider:
- Business Interruption Insurance: Helps cover lost income and expenses if your food truck business is temporarily unable to operate.
- Commercial Umbrella Insurance: Provides additional liability coverage above the limits of your general liability, commercial auto, or other primary policies in case of a significant claim.
- Inland Marine Insurance: Protects movable or specialized property (e.g., equipment, tools) when transported over land. It can cover items off your premises, such as when your food truck is in transit.
- Product Liability Insurance: Covers costs if someone claims your food products harmed them.
- Liquor Liability Insurance: If your food truck serves alcohol, this insurance covers liabilities from alcohol-related incidents, such as injuries or property damage.
- Employment Practices Liability Insurance: Protects your food truck business against claims related to employment issues like discrimination, wrongful termination, or harassment.
- Equipment Breakdown Insurance: Covers the cost of repairing or replacing essential business equipment that breaks down due to mechanical or electrical issues.
- Food Spoilage and Contamination Insurance: Reimburses the cost of spoiled or contaminated food due to equipment failure, power outages, or other covered causes.
- Workers’ Compensation Insurance: Provides medical benefits and wage replacement to injured employees. It’s mandatory in most states if you have employees working on your food truck.
- Hired and Non-Owned Auto Insurance: Covers liability expenses when using vehicles not owned by your business (such as employee-owned vehicles used for business purposes) or renting a vehicle for business use.

What Influences Food Truck Insurance Premiums?
It’s important that you understand how food truck insurance costs are calculated. Here are some of the main factors that can influence food truck insurance premiums.
Type of Coverage
The extent and types of coverage you choose for your food truck insurance will directly impact the premium.
More comprehensive insurance for food trucks or higher coverage limits typically result in higher premiums.
Location
The area where your food truck operates can significantly affect insurance costs.
Urban areas with higher population density or areas prone to higher crime rates or traffic accidents might have higher premiums on the food truck insurance policy.
Value of Equipment and Assets
The value of your food truck, cooking equipment, appliances, and other assets you want to insure will influence the costs of food truck insurance policies. Higher-value items generally mean higher premiums.
Claims History
Your insurance history and past claims for food truck businesses play a role in determining premiums.
If you’ve had previous claims or a history of frequent claims, it might increase your food truck insurance cost.
Driving Record
If your food truck requires commercial auto insurance, the driving records of the operators can affect premiums. A clean driving record usually results in lower premiums.
Business Experience
The length of time your food truck business has been operating can influence premiums. Established businesses with a track record of safe operations might qualify for lower rates.
Security Measures
Installing security systems, fire suppression systems, or implementing safety protocols can potentially lower insurance premiums by reducing risks of theft, fire, or accidents.
Number of Employees
Your number of employees can impact premiums, especially for workers’ compensation insurance and insurance covering medical costs or lost wages. More employees may result in higher premiums.
Final Thoughts
Take time to choose and compare food truck insurance policies carefully. Like commercial property insurance, the right policy can enormously affect how your business operates.
Looking for financing for a new commercial vehicle? Then get in touch with us at Mission Financial Services – we make the process of obtaining financing easy.

How Many Accidents Are Caused By Semi-Trucks?
Large trucks, like semi-trucks, are essential in growing the U.S. economy. They’re the backbone of the overland freight transportation industry, which recent statistics indicate is worth over $730 billion. Simultaneously, these large and heavy trucks present a significant risk for fatal road accidents. So how many accidents are caused by semi-trucks?
We investigated how many accidents are caused by semi-trucks nationwide, their causes, and when they are most likely to happen.
The truck accident statistics research findings below provide insight that truck drivers like yourself can use to minimize or prevent motor vehicle crashes and make our roads safer for everyone.
How Common Are Semi-Truck Accidents?
Crashes involving large trucks have become a growing concern as their numbers increase yearly.
In 2021, there were approximately 523,796 police-reported large truck accidents that injured an estimated 154,993 people and killed 5,788 individuals across the U.S.
This was a significant increase (nearly 26% rise) from 2020, when about 415,444 large truck crashes happened, 141,613 people were injured, and 4,945 died.
High-Risk Times for Truck Accidents
Fatal semi-truck accidents peak between June and October, with the highest recorded in September 2021 at 515 crashes. Urban areas witness over half (54.53%) of these incidents, primarily on non-interstate highways (73.99%).
Most fatal and non-fatal accidents involving large trucks occur on weekdays between 6 a.m. and 6 p.m. As a semi-truck driver, vigilance is crucial, especially on non-interstate highways during weekdays, to prevent accidents and safeguard road users.
Semi-Truck Accident Statistics
Here is a summary of essential semi-truck accident statistics commercial truck drivers need to note.
Truck Accidents Statistics by State
Texas leads in fatal crashes with approximately 568 fatal large truck accidents in 2020, followed by California with about 368 incidents. Florida, Georgia, and Illinois rank as the third, fourth, and fifth high-risk states, reporting 322, 210, and 155 fatal semi-truck accidents, respectively, in 2020.
Conversely, Washington stands is the safest state, recording only one fatal accident in 2020. States with the lowest rates include Vermont (4), Rhode Island (6), Hawaii (6), and Alaska (8).
Truck Accidents by Vehicle Type
This section highlights large truck accident statistics by vehicle type so you can see the extent of motor vehicle accident risk you face daily as you share the road with these different types of vehicles.
Semi -Truck Accidents
Semi-trucks are responsible for nearly all fatal large truck crashes because they have more blind spots and leave little room for error when driving. Of the fatal truck accidents in 2020, 74% included semi-trucks. Also, semi-truck accident victims suffer the most severe injuries.
Bus Accidents
Thousands of deadly bus accidents happen every year. In 2021, more than 100 people died as a result of school bus-related accidents alone. If we include data from fatal motor vehicle accidents involving private charter and public buses, the number of fatalities easily doubles.
Garbage Truck Accidents
Frequent and potentially fatal garbage truck accidents result from the poor driving habits of many garbage truck drivers. These drivers often operate in low-light conditions and tend to stop and start multiple times in the middle of their routes instead of pulling over, contributing to unavoidable fatal accidents.
Common Causes of Truck Accidents Statistics
Different types of commercial truck accidents may occur as a result of one or a combination of the following causes:
Truck Driver Error
The Federal Motor Carrier Safety Administration (FMCSA) conducted a large truck crash causation study, identifying truck driver errors as the primary cause of most accidents. These errors, categorized as non-performance, decision, recognition, and performance errors, accounted for 87% of all examined accidents.
The study underscores the need for heightened attentiveness among drivers of semi-trucks and large vehicles compared to drivers of passenger vehicles.
Speeding
Most inter- and non-interstate roads impose low-speed limits for truckers due to the vehicles’ large sizes and the longer distance needed to stop. However, speeding was a contributing factor in 7.3% of the fatal accidents that happened in 2020.
Trucker Fatigue
FMCSA established hours of service guidelines to regulate the number of consecutive hours truckers can drive and how long they should rest before resuming work. Despite this, some truck drivers spend long hours on the road and fall asleep behind the wheel due to trucker fatigue. Trucker fatigue is a contributing factor in about 13% of truck accidents.
Drug Use
Alcohol and drug use impair a person’s ability to drive safely by affecting cognitive functions, resulting in diminished focus, impaired vision, and slower reaction times. In 2020, approximately 2.8% of truck drivers involved in accidents had a blood alcohol content (BAC) exceeding 0.08%.
Despite the Federal Motor Carrier Safety Administration (FMCSA) setting a stringent BAC limit of 0.04%, which can lead to license suspension, drug and alcohol use still contributes to nearly 20% of truck accidents.
Tire Defects
Tire defects, including tread separation, pressure loss, and full-on blowouts, can destabilize large trucks, causing truck drivers to lose control of their vehicles and crash. Tire problems lead to large truck crashes nearly 6% of the time.
Brake Problems
Brake problems resulting from stuck calipers, master cylinder failure, and leaking fluid lines usually prevent drivers from stopping in good time. They occur more frequently than tire defects and lead to large truck crashes almost 29% of the time.
Roadway Issues
Poor road conditions contribute to approximately 20% of large truck accidents. Common roadway issues include large potholes, missing road markings, and missing signage.
Final Thoughts
Reducing the unpredictability of truck accidents is possible through collective efforts. Avoid drinking and driving, consistently maintain your truck, and remain vigilant to prevent errors while driving.
In the unfortunate event of a semi-truck accident, it’s essential to know your rights and seek compensation for damages. Follow a step-by-step guide to navigate the aftermath successfully.
Additionally, engaging a competent lawyer is crucial for filing a truck accident case. Explore our blog for detailed guides on selecting the best commercial vehicle accident lawyers tailored to various motor vehicle accidents. Take proactive steps to enhance road safety and protect your rights.

How Much Do Commercial Truck Drivers Make?
How much do commercial truck drivers make? If you plan on getting into the trucking business, this is an essential question.
Unfortunately, there’s no straightforward answer here. Truck driver salaries can vary greatly depending on factors like the type of trucking being done, the driver’s experience, distances covered, and more.
By understanding these factors, you’ll be better positioned to get a fair-paying truck-driving job based on your experience.
To help you understand this better, we break down everything you need to know about truck driver salaries in the guide below.
Commercial Truck Drivers Salaries
The average truck driver’s salary in the US is $1,864 per week. This comes from a reported 434.6k salaries.
However, what truck drivers earn can differ vastly depending on various factors – like the driver’s experience, the type of trucking being done, the distance drivers cover, and more.
The average pay for an owner-operator can also differ vastly compared to a driver employed by a trucking company. Local drivers and regional drivers also earn differently compared to long-haul truckers.
Plus, different pay structures are involved in various types of trucking jobs.
Factors that Influence Truck Driver Pay
As mentioned above, a truck driver’s salary can differ vastly depending on various factors. Let’s break this down into more detail.
Salary of a Truck Driver by Route Type (Distance)
The salary of a truck driver can vary based on the type of route they drive.
Long-haul or cross-country routes often pay differently than shorter routes driven by regional truck drivers due to differences in distance, time commitment, and demand.
Salary of a Truck Driver by Operating Mode
The mode of operation can significantly impact a truck driver’s salary.
Drivers operating as owner-operators might earn differently than those employed by trucking companies. Specialized freight or specific industry-related transport may also influence pay scales.
For example, hazmat truck drivers, mining industry drivers, or OTR truck drivers have areas of specialization, which could result in earning more money and additional benefits compared to an Amazon delivery driver.
Salary of a Truck Driver by Experience
Experience plays a crucial role in determining a truck driver’s salary.
Drivers with more years in the industry often earn higher pay due to their expertise, knowledge of routes, safety records, and familiarity with the job’s demands.
The longer you’ve held a commercial driver’s license and have a clean driving record, the better your chances are of earning more money.
External Factors Affecting Salary
Various external factors can influence a truck driver’s salary, such as economic conditions, supply and demand for drivers, fuel prices, industry regulations, seasonal variations, and overall market dynamics.
These factors can fluctuate and impact pay levels within the trucking industry. This also means regional truck driver pay can differ in quite a big way.

What Types of Truck Driving Pay the Most?
There are various truck driving jobs, and those requiring special endorsements or licenses often tend to pay higher. This is because of the extra skills, training, and responsibilities involved.
Here are some types of truck driving jobs that typically pay more.
Hazmat Trucks (H Endorsement)
Drivers transporting hazardous materials (Hazmat) usually earn higher pay due to the increased risk and specialized training required to handle such cargo safely. This endorsement involves transporting any materials deemed hazardous by federal law.
Doubles/Triples (T Endorsement)
Truck drivers hauling double or triple trailers often command higher pay due to the complexity and skill required to maneuver these larger combinations of vehicles on the road safely.
This endorsement permits drivers to operate multiple trailers simultaneously.
Tankers (N Endorsement)
Drivers transporting liquids or gases in tanker trucks typically earn more due to the specific handling and driving skills necessary for these vehicles.
This endorsement is required for hauling liquids or gases in bulk.
Hazmat and Tanker (X Endorsement)
Combining Hazmat and Tanker endorsements (X Endorsement) typically increases pay. Drivers with this endorsement have the qualifications to transport hazardous materials and tanker loads, requiring a higher level of expertise and responsibility.
Ice Road Drivers
Ice road truckers who navigate frozen roads and extreme conditions in remote areas, such as Alaska or Northern Canada, tend to earn higher salaries.
This is due to the hazardous nature of the job, driving in extreme weather conditions, and the specialized skills required to operate a commercial vehicle in such environments.
Truck Driver Pay Models
To understand how much a truck driver’s salary is, it’s essential to understand the different pay structures involved.
Hourly Pay
Some truck drivers are paid based on the number of hours worked. This model calculates payment for the time spent driving, loading, unloading, or performing other work-related tasks.
Per Mile Pay
This model pays truck drivers a set rate for every mile they drive. It’s a common method where drivers receive a specific amount for each mile traveled, incentivizing longer distances and more driving hours.
Fixed Salary
Certain truck drivers receive a fixed salary regardless of the hours worked or miles driven. This model provides consistency in income, and drivers who prioritize stability over pay fluctuations based on hours or distance may prefer it.
Percentage of the Load
Truck drivers receive a percentage of the total revenue generated by the load they transport in this pay structure.
Team Driver Pay
Team drivers, where two drivers share driving responsibilities for a single truck, can get paid uniquely.
This could involve dividing the pay based on the miles driven, hours worked, or a fixed load percentage. This depends on the arrangement between the team members and the employer.
Types of Commercial Truck Driver Pay
Beyond pay structures, there are also various forms of truck driver pay that you should know about.
Per Diem Pay
This pay model compensates truck drivers for daily expenses incurred on the road, such as meals and lodging.
Per diem pay is a daily allowance provided to cover these expenses. It is often given in addition to the driver’s regular wages.
Stop Pay
Truck drivers sometimes receive stop pay for each stop or delivery made during a trip.
It compensates drivers for the time spent at various stops, including loading and unloading cargo, which can add up during multi-stop routes.
Detention Pay
When truck drivers experience delays at pickup or delivery locations beyond the agreed-upon waiting time, detention pay is provided.
This is to cover the extra time spent waiting due to delays in loading or unloading.
Fuel and Safety Bonuses
Some trucking companies offer bonuses to drivers based on fuel efficiency or safe driving practices.
Fuel bonuses reward drivers for achieving good fuel mileage, while safety bonuses acknowledge drivers for maintaining a safe driving record and sticking to safety regulations to avoid commercial vehicle accidents.
Accessorial Pay
Accessorial pay includes extra compensation for various non-driving tasks or services performed by truck drivers.
This could involve handling specialized equipment, assisting with loading or unloading, providing extra services beyond regular driving duties, or navigating challenging routes.
Final Thoughts
Various factors go into how much truck drivers earn and how they earn money. If you’re planning on entering the trucking business, then it’s essential to understand the different elements that go into a driver’s compensation package. This can help you build the right experience and endorsements to maximize your earning potential.
Are you looking to purchase a semi-truck for your trucking business? Then, you’ll need to get financing. Contact us at Mission Financial Services, where we help truck drivers get funding for their dream commercial vehicle – even if you have a bad credit score.

Hiring A Driver For Your Semi Truck
Hiring a truck driver is no easy business. There are many considerations you need to make when choosing a good driver. This goes beyond their experience and qualifications.
You must ensure your trucking business is adequately set up to take on a new driver. Before bringing them into your business, you’ll also need to understand the truck driver’s personality and how they operate.
Making the right hires can make a big difference to your success, while the wrong hires can cause all kinds of issues.
To help you hire truck drivers properly, here are all the steps and considerations you should follow.

How to Hire the Right Truck Driver
Knowing how to hire truck drivers is one of the most important things you’ll ever do when running a trucking business.
While it’s always possible to find truck drivers who can operate a commercial vehicle, the right drivers for your business should possess various other traits and skills. After all, the people behind your business determine its success.
Here are a few key steps to help you hire truck drivers that best align with your business needs.
Identify the Type of Truck Driver You Need
Identifying your business’s precise type of truck driver is the first essential step to a successful hiring process.
Whether it’s a short-haul driver for local deliveries, a long-haul driver for interstate transportation, a casual driver for occasional assignments, or even an owner-operator, understanding the specific qualifications and job requirements for each role is crucial.
You must thoroughly research the qualifications, certifications, and experience necessary for different driving positions. This will help you create job descriptions that attract suitable candidates and streamline selection.
Long-Haul and OTR Trucker
Long-haul and OTR (Over-the-Road) truckers are the backbone of the transportation industry, responsible for transporting goods across vast distances.
These truck drivers spend extended periods away from home, navigating diverse terrains and weather conditions while ensuring timely and safe deliveries. They must possess exceptional driving skills, a solid commitment to safety regulations, and the ability to manage their time efficiently to meet strict delivery schedules.
The role of long-haul and OTR truckers demands resilience and adaptability, as they often face unforeseen challenges on the road. Candidates for these positions should have a clean driving record, hold relevant commercial driving licenses (CDL), and have enough expertise in managing long-haul trips.
Looking for a truck driver with a reliable background in long-haul trucking is essential, as not all local truck drivers can easily adjust to this lifestyle.

Heavy Hauler or Oversized Load Trucker
Heavy hauler drivers, or oversized load truckers, are specialized professionals who carry goods that exceed standard weight or size limits. These drivers need expertise in handling and transporting exceptionally large or heavy cargo, such as machinery, construction equipment, or industrial materials.
Their role demands unique skills, including an in-depth understanding of specialized equipment, securing loads, and complying with strict regulations governing oversized transportation.
These truck drivers are also often required to hold specialized permits and adhere to specific safety protocols to guarantee the secure and efficient transport of oversized loads.
Employers seeking heavy haulers prioritize candidates with extensive experience handling oversized cargo and a good knowledge of state and federal regulations regarding weight limits and permits.

Purchase Truck Insurance
Getting the right truck insurance is an essential part of hiring the right truck driver and ensuring the safety and security of your business. Before you take on qualified truck drivers, you must ensure that your vehicle and business will be protected when they’re behind the wheel.
Some insurance policies may be skeptical of offering complete protection if somebody new is driving the truck or the driver needs more experience in commercial driving.
Trucking companies need comprehensive insurance coverage that protects both their drivers and the transported cargo. Choosing the right insurance policy involves looking into various factors, like the type of freight being transported, the distance covered, and the specific risks associated with the routes.
Truck insurance typically includes liability coverage, cargo insurance, and physical damage coverage for the vehicles.
Liability coverage protects against damages or injuries caused by the truck driver. At the same time, cargo insurance covers the value of the transported goods. Physical damage coverage protects the trucks themselves against accidents or other physical damage.
Familiarize Yourself With Local and State Laws
Understanding and sticking to local and state laws is crucial when hiring the right truck driver for your business.
Different jurisdictions have specific regulations that govern various aspects of trucking operations, impacting everything from the type of driver and truck to the nature of the cargo and the intended destination.
Federal, state, and local laws cover a range of important considerations, including maximum load weight restrictions, prerequisites for CDL training and testing, mandatory insurance coverage, regulations concerning road and fuel taxes, and limitations on vehicle size.
You must adhere to these laws when filling a truck driver position as an employer. If you need to become more familiar with the local regulations, it may be worth talking to a lawyer before you find qualified truck drivers.

Confirm That Your Business Insurance Covers Truck Drivers
Before finalizing the hiring process for any full-time or part-time truck driver, you must ensure that your business insurance covers the specific position adequately.
While commercial auto insurance is necessary for all truckers, extra insurance types such as trucking general liability coverage, business interruption insurance, and motor cargo coverage can fill potential gaps in protection.
Make sure that you have comprehensive insurance coverage that will protect your vehicle and business when you fill new truck driver jobs. This is also why hiring experienced drivers is so important.
Create Postings on Job Search Sites
The first place you’ll go to hire drivers is probably a job board. This is important, as it’s where most drivers in the trucking industry will be looking for work.
However, it’s not the only place you can look to find truck drivers. Think outside the box and consider reaching out to known drivers using social media channels. You can find groups of truckers in your area on social media – this is a great way to connect with local truck drivers.
Another good strategy is reaching out to recruiters specializing in the trucking industry. They will have a large pool of potential candidates in your area and may help you find experienced drivers who aren’t actively checking job boards.
Interview and Vet all Potential Drivers
If you plan on hiring drivers to help you operate your truck, you will need to make sure they are properly qualified. All drivers must have a valid CDL and meet the DOT’s medical requirements.
Make sure you get the right information from your next truck driver so that you can perform a background check. This could include:
- Following up to make sure they have a clean driving record
- Checking their personal identification number
- Checking their verifiable address
- Performing a drug screening
- Assessing their qualifications to make sure they match your job needs
Reliable drivers need to have all of the right qualifications and experience, but they should also show a good attitude and have knowledge of your specific area of trucking.

Onboard your New Driver
Onboarding a new driver is essential in integrating them effectively into your trucking business.
Setting clear expectations for performance from the outset is crucial. This involves outlining key performance indicators, such as delivery schedules, safety protocols, and customer service standards.
Communicating company policies properly ensures that the driver understands and adheres to the rules of your trucking company.
You’ll also want to stress the importance of equipment inspections and maintenance procedures in your business. Provide guidance on regular inspections, explaining how drivers must report any issues promptly and follow scheduled maintenance routines.
This improves the driver’s accountability for the vehicle’s condition and contributes significantly to your business operations’ overall safety and efficiency.
Incorporating these aspects into your onboarding process creates a foundation for drivers to perform at their best while upholding the company’s standards and safety measures.
Final Thoughts
Take your time hiring a new truck driver, and ensure you follow all the proper steps and procedures. Making suitable hires is incredibly important for your business’s success, so never rush the process.
If you need to purchase a new semi-truck for your business, then you’ll also need to take the right steps in finding financing for your vehicle. Get in touch with us at Mission Financial Services – we can help all kinds of trucking business operators secure the right financing to match their business needs.