Disclaimer & Acknowledgment

This website and the materials provided on it do not constitute an insurance policy, contract, or legal advice, and they create no new legal obligations for the company. All content is advisory and informational in nature and is intended solely to assist policyholders in understanding general commercial auto safety practices and risk-management considerations.

Coverage is determined exclusively by the terms, conditions, exclusions, and endorsements of the applicable insurance policy. The company does not guarantee that any recommendations or information provided will prevent accidents, losses, injuries, or damages. Failure to follow suggested practices does not affect policy coverage and does not create liability for the company.

We do not assume responsibility for identifying, eliminating, or controlling safety hazards, nor do we undertake to provide safety inspections or ensure compliance with any federal, state, or local laws or regulations. Policyholders are solely responsible for complying with all applicable legal and operational requirements.

Nothing on this site should be interpreted as legal, safety, or compliance advice. For specific regulatory obligations or coverage questions, policyholders should consult their policy documents, qualified professionals, or the appropriate regulatory authorities.

Member-driven
liability insurance
for businesses.

Timber Creek Casualty provides specialized liability insurance solutions for the transportation industry through our member-owned Risk Retention Group.

Transportation Industry
Insurance Experts
You Can Trust.

Our Board of Directors are transportation business owners who understand your risks and challenges firsthand.

About Company

What is a Risk Retention Group (RRG)?

Over the past five years the commercial transportation industry has gone through a period of substantial change. With the lagging response from the insurance industry to address what is a significant problem for transportation risks…the high cost and availability of commercial auto insurance.

Recently, with the traditional insurance carriers incurring large losses from the heavy (trucking) transportation accounts as well as the increased regulatory requirements adding the growing interest in the semi-autonomous vehicle the environment is ideal for utilizing a Risk Retention Group and/or Captive Insurance structure.

Service We’re Offering

Comprehensive Coverage for Transportation

Commercial Auto

Commercial Auto

Federal liability compliance ranging from $300k to $1M. Robust protection designed for the modern hauler.

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Motor Truck Cargo

Motor Truck Cargo

Safeguards your cargo while in transit. Covers loss or damage from collisions, fire, or theft.

Learn More
Physical Damage

Physical Damage

Covers repair or replacement of your tractor and trailer. Includes collision and comprehensive protection.

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Workers Compensation

Workers' Compensation

Protects employees injured on the job. Covers medical expenses and lost wages.

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General Liability

General Liability

Protects against third-party injury and property damage claims. Covers legal fees and settlement costs.

Learn More

How We Work

Structured Process For Guaranteed Results

1

Member-Owned

Owned and operated by transportation businesses.

2

Competitive Rates

Affordable, comprehensive coverage.

3

Expert Support

Personalized service and risk management.

4

Compliance

Full regulatory filings & state law.

Client Testimonials

What People Say About Us

“Timber Creek Casualty truly understands the transportation industry. Their rates are competitive and their service is exceptional. Being member-owned makes all the difference.”
RJ
Robert Johnson
Trucking Company Owner
“The claims process was smooth and efficient. Their team really knows transportation insurance inside and out. I highly recommend them to any business in our industry.”
SW
Sarah Williams
Logistics Manager
“Finally, an insurance provider that gets it. Their board members are actual transportation business owners, so they understand our challenges and needs perfectly.”
MC
Michael Chen
Fleet Operations Director

WHY
CHOOSE US?

Timber Creek Casualty

Financial Strength

We maintain a robust capital position to ensure your claims are paid securely and on time.

Member Owned

Owned by transportation professionals, ensuring rates remain stable and fair.

Fast Claims Process

Our dedicated adjusters work around the clock to resolve claims efficiently.

Personalized Service

You aren't just a policy number. We provide tailored risk management advice.

Downloads

Policy & Resource Guides

Click on a card to preview details or download the document.

About Our Sponsoring Association

Learn more about our sponsoring association, the National Independent Truckers Insurance Bureau (NIBA), and how it supports trucking businesses with specialized insurance solutions.

Claims Guide

Step-by-step instructions on how to file a claim quickly and efficiently using our new reporting system.

Services Brochure

A comprehensive overview of all insurance coverages we offer, including Commercial Auto, Cargo, and Liability.

Our Leadership

Meet Our Board of Directors

Kevin Michael Steele Jr.

Founder & Owner, KTS Construction

Kevin Michael Steele Jr. is the Founder and Owner of KTS Construction. With over 20 years of experience in commercial and residential development, he brings a wealth of structural knowledge to the board.

Kevin Michael Steele Jr.

ksteele@tcci-rrg.com

James Russell "Rusty" Pritchard, Jr.

Founder & President, Pritchard Trucking

James Russell “Rusty” Pritchard Jr. is the Founder and President of Pritchard Trucking. His logistics expertise is vital for optimizing supply chain operations.

James Russell "Rusty" Pritchard, Jr.

rpritchard@tcci-rrg.com

James Michael Brennan

Owner, Brennan Wholesale

James Michael Brennan is an entrepreneur involved in the family business. He specializes in wholesale distribution strategies and market expansion.

James Michael Brennan

jbrennan@tcci-rrg.com

Justin D. Taylor

Founder, MIIB

Justin D. Taylor began his insurance career in 1998 working in claims. He founded MIIB to provide innovative insurance solutions for complex risks.

Justin D. Taylor

jtaylor@tcci-rrg.com

Support

Policy Servicing & Contact

Contact the appropriate department directly using the information below.

Policy Servicing

  • Billing and Payment Inquiries
  • Policy Support / Information
  • Filing questions
  • Loss runs request

Endorsement

  • Add / Remove vehicle
  • Change coverages
  • Insured information changes

Underwriting Support

  • Quotes & New Business
  • Renewal Business

Claims

Report all claims immediately:

(800) 793-3122

claims@t-creekins.com

Deadline: All incidents/accidents must be reported within seventy-two (72) hours. Failure to do so may result in a $2,500 penalty.

Agency Appointments

  • Appointment status inquiries
  • Agency contact updates
  • Change of ownership
  • Key person update

Additional Info

  • Commission questions
Documents Required to Bind
Required

The following documents are required and must be sent along with the Request to Bind:

  • Signed TCCI Quote (showing the correct effective date and payment plan)
  • Signed Application
  • Signed UM Form
  • Completed ACH Form (Required for all Direct Bill accounts)

Policy number will not be issued unless all documents are received.

Keys to Success

All bind requests, including the signed documents, should be attached in a single email to:

Please Note: Do not copy your underwriter or anyone in our accounting department. Failure to follow this procedure will delay issuance of the policy number. Please direct all correspondence to the appropriate department only.
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