As a trucker or fleet owner, every mile you drive carries risk—from accidents and cargo damage to costly downtime and lawsuits. Having the right commercial truck insurance protects your trucks, your drivers, your customers, and your business so you can stay focused on the road ahead.
At Rod Hanks Insurance, we provide tailored commercial truck insurance solutions for owner-operators, small fleets, and larger trucking operations. Whether you haul locally or across state lines, we’ll help you get coverage that meets legal requirements and protects your bottom line.
Why Commercial Truck Insurance is Essential
Commercial truck insurance is more than a requirement—it’s a critical part of running a safe, profitable operation. The right coverage helps you:
- Meet State & Federal Requirements: Maintain the proper liability limits and filings needed to stay compliant and keep your authority active.
- Protect Your Investment: Repair or replace your truck after an accident, theft, fire, or other covered loss.
- Safeguard Your Customers & Contracts: Cover cargo and liability exposures so you can keep contracts and protect your reputation.
- Manage Lawsuits & Claims: Help pay for legal defense, settlements, or judgments if you’re sued after an accident.
- Stay on the Road After a Loss: Minimize downtime and keep revenue coming in, even when the unexpected happens.
Comprehensive Coverage Options
Rod Hanks Insurance offers a wide range of commercial truck insurance options to protect you on and off the road. Coverage can be customized for your type of hauling, radius, and operation.
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Primary Auto Liability Insurance
- Protects against: Bodily injury and property damage you may cause to others in an at-fault accident.
- Ideal for: Meeting state and federal requirements for motor carriers and for-hire trucking operations.
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Physical Damage Coverage (Collision & Comprehensive)
- Covers: Damage to your truck and trailer from collisions, theft, vandalism, fire, hail, and other covered events.
- Ideal for: Protecting your tractors, box trucks, dump trucks, and other commercial units you own or lease.
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Motor Truck Cargo Insurance
- Protects against: Loss or damage to the cargo you haul due to covered causes like theft, collision, fire, or overturn.
- Ideal for: For-hire carriers transporting goods for others—especially when contracts require specific cargo limits.
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Non-Trucking Liability (Bobtail) Coverage
- Covers: Liability when you’re driving your truck for personal use or outside of dispatch, and primary liability doesn’t apply.
- Ideal for: Owner-operators leased onto a motor carrier who need protection when not under load.
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Trailer Interchange Coverage
- Protects against: Damage to non-owned trailers you’re pulling under a trailer interchange agreement.
- Ideal for: Carriers and owner-operators who regularly haul trailers they don’t own.
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General Liability (Trucking Operations)
- Covers: Certain business-related liability claims not directly tied to operating the truck—such as incidents at your office, yard, or loading area.
- Ideal for: Trucking companies with terminals, yards, or office locations.
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Hired & Non-Owned Auto Liability
- Covers: Liability from vehicles your business hires, rents, or that employees use for business but are not owned by the company.
- Ideal for: Operations that occasionally rent trucks, use contract drivers, or have employees using personal vehicles for business.
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Workers’ Compensation / Occupational Accident Coverage*
- Covers: Medical expenses and lost wages for employees injured on the job (workers’ comp) or certain benefits for qualifying independent contractors (occ/acc).
- Ideal for: Fleets with drivers on payroll and operations using independent owner-operators.
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Umbrella / Excess Liability Insurance
- Adds extra protection: Extends your liability limits above your underlying auto and general liability policies.
- Ideal for: Motor carriers with higher risk exposure, larger fleets, or contracts requiring increased liability limits.
*Availability and options may vary by state and carrier.
Who Needs Commercial Truck Insurance?
Commercial truck insurance is essential for a wide range of trucking and transport operations, including:
- Owner-Operators (with or without authority)
- Small & Mid-Size Fleets
- Long-Haul & Regional Carriers
- Local Delivery & Last-Mile Operations
- Hot Shot & Expedited Freight
- Box Trucks & Straight Trucks
- Refrigerated & Dry Van Haulers
- Flatbed & Step Deck Operations
- Dump Trucks, Gravel & Sand Haulers
- Tow Trucks & Recovery Vehicles
If your truck is used for business—even part-time—you need the right commercial coverage to protect your operation and meet legal requirements.
Support with Filings, Certificates & Compliance
Running a trucking business means dealing with paperwork and compliance. We help make that easier by:
- Assisting with required state and federal filings where applicable.
- Providing Certificates of Insurance (COIs) quickly so you can start work and keep customers happy.
- Reviewing contracts and insurance requirements to help you avoid gaps in coverage.
- Offering guidance on limits and coverage options tailored to your routes and freight.
Why Choose Rod Hanks Insurance for Commercial Truck Insurance?
At Rod Hanks Insurance, we understand the unique risks and challenges of the trucking industry. When you work with us, you get:
- Tailored Coverage: Policies designed around your specific trucks, routes, cargo, and contracts.
- Multiple Carriers, More Options: As an independent agency, we compare top commercial truck insurance carriers to find competitive rates and strong coverage.
- Experienced Guidance: A team that understands transportation risk and helps you choose the right limits and options.
- Fast, Responsive Service: Quick help with certificates, changes, and policy questions so you can keep moving.
- Claims Support When It Matters Most: Assistance navigating the claims process to help you get back on the road after a loss.
- Broad Reach: Personal clients throughout Texas and commercial clients in 32 states.
Get the Protection Your Trucking Business Needs Today
Don’t let an accident, claim, or unexpected loss put your trucks—or your business—off the road. Rod Hanks Insurance is here to provide reliable commercial truck insurance tailored to your operation.
Contact us today for a free consultation and quote. Let us help you secure the coverage you need to drive with confidence and peace of mind.