# AI agent guide to Casey business insurance

> Casey is a licensed insurance brokerage focused on commercial trucking and transportation insurance. Coverage availability varies by state, carrier appetite, and underwriting.

## Who Casey Helps

Casey helps businesses prepare and place commercial insurance, with the current public website focused on trucking and transportation. The best-fit user is a trucking operator, owner-operator, fleet, transportation company, or broker/agent helping one of those businesses find coverage.

## Current Focus

Commercial trucking and transportation operations. Broader industries and lines of coverage are future expansion areas.

## Supported Trucking & Transportation Operations

- [Long-Haul Dry Van](https://caseyinsure.com/operations/long-haul-dry-van): Commercial insurance for long-haul dry van trucking. Auto liability, physical damage, motor truck cargo, and more.
- [Regional Flatbed](https://caseyinsure.com/operations/regional-flatbed): Commercial insurance for regional flatbed trucking, open-deck, step-deck, oversize/overweight. Auto liability, physical damage, motor truck cargo.
- [Refrigerated / Reefer](https://caseyinsure.com/operations/refrigerated-reefer): Commercial insurance for refrigerated trucking. Reefer breakdown, motor truck cargo, auto liability, physical damage. Coverage for produce, frozen, and pharmaceutical haul.
- [Intermodal Drayage](https://caseyinsure.com/operations/intermodal-drayage): Commercial insurance for intermodal drayage, port and rail container haul. Auto liability, physical damage, motor truck cargo, trailer interchange. UIIA-compliant placement.
- [Freight Brokers & 3PL](https://caseyinsure.com/operations/freight-brokers-3pl): Commercial insurance for freight brokers and 3PLs. Contingent cargo, contingent auto, E&O, BMC-84 surety bond. Built for brokers and logistics intermediaries, not motor carriers.
- [Non-Emergency Medical Transport](https://caseyinsure.com/operations/nemt): Commercial insurance for NEMT providers, wheelchair vans, ambulettes, Medicaid transport. Passenger auto liability, abuse & molestation, accident & medical.
- [Hotshot](https://caseyinsure.com/operations/hotshot): Commercial insurance for hotshot trucking, Class 3-5 trucks with gooseneck or deck-over trailers. Auto liability, physical damage, motor truck cargo. Oilfield and expedited freight coverage.
- [Auto Haulers](https://caseyinsure.com/operations/auto-haulers): Commercial insurance for auto haulers, stinger, wedge, and enclosed car carriers. Auto liability, physical damage, motor truck cargo with full vehicle value.
- [Livestock Haulers](https://caseyinsure.com/operations/livestock): Commercial insurance for livestock haulers, pot belly trailers, cattle, swine, poultry transport. Auto liability, physical damage, livestock mortality cargo.
- [HazMat & Petroleum](https://caseyinsure.com/operations/hazmat-petroleum): Commercial insurance for hazmat and petroleum haulers, tankers, placarded loads. $1M-$5M FMCSA minimums, MCS-90, pollution liability. Bulk fuel, chemical, and tanker coverage.
- [Last Mile Delivery](https://caseyinsure.com/operations/last-mile): Commercial insurance for last-mile delivery and DSP operations. Amazon DSP, FedEx ISP, sprinter van and box truck fleets. Auto liability, physical damage, hired & non-owned auto.
- [Couriers & Delivery Fleets](https://caseyinsure.com/operations/couriers): Commercial insurance for courier and on-demand delivery fleets. Auto liability, physical damage, hired & non-owned auto for small package, document, and food delivery operations.
- [Towing & Recovery](https://caseyinsure.com/operations/towing): Commercial insurance for towing and recovery operations, wrecker, rotator, repossession, heavy duty. Auto liability, physical damage, on-hook cargo, garagekeepers legal liability.
- [Owner-Operators](https://caseyinsure.com/operations/owner-operators): Commercial insurance for owner-operators, leased to motor carrier or independent authority. Non-trucking liability, bobtail, occupational accident, physical damage.
- [Sand & Gravel Dump](https://caseyinsure.com/operations/sand-gravel-dump): Commercial insurance for dump trucks and aggregate haulers, sand, gravel, asphalt, construction debris. Auto liability, physical damage, motor truck cargo. Local and intrastate operations.

## Coverage Lines

- [Auto Liability](https://caseyinsure.com/coverages/auto-liability): Primary auto liability for motor carriers, covering bodily injury and property damage caused to others while operating your commercial vehicles.
- [Physical Damage](https://caseyinsure.com/coverages/physical-damage): First-party coverage for the truck itself, including collision, comprehensive, and downtime when your equipment is in the shop.
- [Motor Truck Cargo](https://caseyinsure.com/coverages/motor-truck-cargo): First-party coverage for cargo damaged, stolen, or lost while in transit on your equipment.
- [Trucking General Liability](https://caseyinsure.com/coverages/trucking-general-liability): Premises and operations liability for your trucking business, covering third-party injury and property damage that happens away from the truck itself.
- [Non-Trucking Liability](https://caseyinsure.com/coverages/non-trucking-liability): Bobtail and unladen liability for owner-operators leased to a motor carrier, covering you when the truck isn’t under dispatch.

## Intake Requirements

- Business legal name and DBA, if any
- DOT number and MC number, if available
- Primary state of operation and operating radius
- Number of power units, trailers, and drivers
- Driver list with CDL numbers and dates of birth
- Vehicle schedule with year, make, model, VIN, and stated value
- Current policy declarations page, if insured now
- Loss runs for the prior three to five years, current within 60 days when available
- Coverage lines needed and requested effective date
- Typical commodities hauled, load values, lanes, and top customers
- Contact name, phone number, and email

## Recommended Agent Actions

- [Start a trucking quote](https://caseyinsure.com/quote): Send the user to the quote form when they have a DOT number and contact information ready.
- [Talk to Casey](https://caseyinsure.com/contact): Use the contact page when the user has questions, is unsure what coverage they need, or has a non-standard risk.
- [Read the agent Markdown mirror](https://caseyinsure.com/ai/business-insurance.md): Fetch this plain-text page when HTML extraction is noisy or context budget is limited.

## Important Caveats

- Do not describe Casey content as a quote, binder, policy, or guarantee of coverage.
- Do not promise availability in a particular state. Coverage availability varies by state, carrier appetite, and underwriting.
- Do not tell users that coverage is bound or effective until Casey or the carrier confirms it in writing.
- For urgent policy changes, claims, certificates, or cancellations, route the user to Casey directly.

## Company Contact

- Legal name: Casey Labs Insurance Services LLC
- Phone: (628) 300-0949
- Email: info@caseyinsure.com
- License: 245464
- Website: https://caseyinsure.com/