Transportation
Transportation and Fleet Services
RM365 is a year-round risk management approach built for transportation and moving and storage companies, covering driver safety, compliance, insurance cost and claims.
Start a conversationThe Employer Success ProgramSchool bus contractors
We insure a few thousand yellow vehicles. If you run school buses or student transportation, we have a page just for you.
Risk Management, 365 days a year
At Duncan Financial Group, RM365 (Risk Management, 365 Days a Year) is an all-in-one approach to insurance and risk management, built for the transportation and moving and storage industries. It is a year-round, proactive program aimed at the problems your fleet actually deals with: driver safety, regulatory compliance, insurance cost and claims.
With RM365 you get a risk management strategy along with the insurance. It helps keep you compliant with DOT regulations, brings down claims, and with them your premiums. Our team works with you to put fleet safety programs in place, track regulatory changes, and make sure your insurance protects your assets.
RM365 runs all year and handles the complexity of fleet risk so you can focus on growing the business.
Moving and storage
A loss during a move or while property sits in storage hurts your bottom line and your reputation. Duncan Financial Group's Moving and Storage Insurance Program pairs coverage built for your operation with a complimentary RM365 Risk Assessment. The goal is lower premiums, the right coverage, and a safety record that helps you win more contracts.
How your risk profile drives your premium
Insurance companies use large amounts of data to size up the risk in your business. You can improve that picture. Strong safety programs, regular review of your risk management processes, and using your own data to spot hazards early all lower premiums and keep your people safer.
Learn more in Understanding Risk Profile Improvement.
What RM365 does for fleets of every size
Finding and fixing risks early leads to fewer claims and lower premiums. Telematics help monitor driver performance and vehicle maintenance. Loss prevention and safety training lower long-term insurance costs.
Claims, renewals, quotes and compliance tracking get simpler. RM365 keeps documentation, reminders and support in one place, and a dedicated risk manager handles issues as they come up.
DOT regulations keep changing. We help you stay compliant and avoid fines with ongoing driver training, compliance audits and help with driver file management.
A dedicated claims team and a structured approach keep disruption down after an accident. We work with you from filing to resolution.
Each client has a dedicated risk advisor who knows your business and supports you all year.
RM365 scales from single owner-operators to large carriers.
Coverages for transportation companies
Liability from accidents caused by your fleet: bodily injury, property damage and legal costs.
An extra layer of liability coverage above your primary policies for major claims or lawsuits.
Your vehicles against collision, theft, vandalism and other damage.
Cargo in transit against damage, theft or loss.
Damage to trailers hauled under a trailer interchange agreement.
Accidents or damage on your premises or from your operations beyond auto incidents.
Medical expenses and lost wages for work-related injuries.
Your trucks when off duty, not under dispatch, or used for personal reasons.
Loss or damage to customers' property during a move or while in storage.
A truck operated without its trailer that still needs liability protection.
The financial hit from a data breach or cyber attack, including lost data and downtime.
Experts who help you find your fleet's weak spots, improve safety practices and reduce exposure.
Captives and self-insurance for trucking risks
A group captive, your own captive, or a self-insurance program lets you take more control of your insurance, with more flexibility and the potential for savings compared with traditional insurance. Learn more about captives.
Watch: how insurers set your premium
Where the Employer Success Program comes in
It starts with a Diagnostic and Plan. We read your loss runs, your mod worksheet and your key contracts, and we talk with the people who run the work. You get the pattern behind your claims and a short list of what's worth fixing first.
From there our claims, HR, safety and fleet people work alongside yours, and you get a Score Card at the start and every year after, measured against your own starting point.
Start with a conversation
Tell me what's going on. I read these myself and reply within two business days. If there's nothing worth fixing, I'll tell you that too.