Transportation Industry

Transportation & Fleet Services

At Duncan Financial Group, our RM365 (Risk Management, 365 Days a Year) approach is your all-in-one solution for insurance and risk management, built specifically for the Transportation and Moving & Storage industries. This year-round, proactive program is designed to tackle the key challenges facing your fleet: driver safety, regulatory compliance, insurance cost control, and claims management.

With RM365, you gain more than just an insurance plan—you get a comprehensive risk management strategy that keeps your business compliant with DOT regulations, lowers your insurance premiums, and reduces costly claims. Our team works with you to implement fleet safety programs, monitor regulatory changes, and ensure your insurance is optimized to protect your assets.

By choosing RM365, you're choosing a system that runs 365 days a year, handling the complexities of fleet management so you can focus on growing your business. Whether you’re improving fleet safety, staying compliant with industry standards, or reducing the frustrations of managing insurance, RM365 delivers peace of mind and tangible cost savings.

Stay protected, compliant, and efficient with RM365—a smarter, more strategic approach to fleet risk management.

Schedule a Virtual Discovery Meeting

Understand How Your Risk Profile Impacts Your Premiums

Tailored Solutions for All Fleets of All Sizes

Cut Costs Without Cutting Corners

Proactive risk identification and mitigation lead to fewer claims and lower premiums.
Telematics solutions help monitor driver performance and vehicle maintenance to reduce accidents.
Loss prevention and safety training reduce long-term insurance costs.

No More Insurance Headaches

Simplify the complexity of managing insurance claims, renewals, obtaining quotes, and compliance tracking.
Highlight that the RM365 system centralizes all documentation, reminders, and support, streamlining the process.
Personalized support from dedicated risk managers to handle issues as they arise.

Stay Ahead with Safety & Compliance

DOT regulations are constantly evolving—let us help you stay compliant and avoid costly fines.
We offer ongoing driver training, compliance audits, and assistance with file management.

Handle Claims Without the Hassle

Dedicated claims support team helps ensure a smooth and efficient process.
RM365’s structured approach minimizes disruption after an accident or claim.
We work with you from filing to resolution, ensuring the best possible outcome.

Your Risk Management Partners

Work with experts who understand your business.
We assign a dedicated risk advisor to each client, offering customized solutions and year-round support.

Small Fleets, Big Impact

RM365 is scalable and flexible, offering tailored solutions for fleets of all sizes—from single-owner operators to large-scale carriers.

All the Coverages You need

Commercial Auto/Fleet Liability Insurance

Protects your company from liabilities arising from accidents caused by your fleet, covering bodily injury, property damage, and legal costs.

Excess Liability / Umbrella Insurance

Provides an extra layer of liability coverage beyond the limits of your primary insurance policies to protect against major claims or lawsuits.

Physical Damage Coverage

Covers your vehicles against physical damage caused by collisions, theft, vandalism, and other non-collision-related damages, ensuring your assets are protected.

Motor Truck Cargo Insurance

Covers your cargo while it’s in transit, ensuring protection from damage, theft, or loss, helping you avoid costly claims for lost or damaged goods.

Trailer Interchange Insurance

Covers damage to trailers being hauled under a trailer interchange agreement, ensuring that leased or borrowed trailers are protected in the event of an accident.

General Liability Insurance

Provides coverage for accidents or damages that occur on your premises or as a result of your business operations, beyond auto-related incidents.

Workers' Compensation Insurance

Mandatory coverage that protects your business and employees by covering medical expenses and lost wages due to work-related injuries.

Non-Trucking Liability Insurance

Covers your trucks when they’re off duty, not under dispatch, or being used for personal reasons, ensuring that you’re protected even when not working.

Moving and Storage Insurance

Covers your business for loss or damage to customers' property during a move or while in storage, providing peace of mind for both you and your clients.

Bobtail Insurance

Specialized coverage for when a truck is being operated without its trailer (bobtailing) and still needs protection for liability, helping you manage risks when trucks are not loaded.

Cyber Insurance

Protects your business from the financial impact of data breaches or cyber-attacks, including the loss of sensitive data and downtime.

Captive Insurance and Self-Insurance for trucking risks

Captive and self-insurance allow businesses to take control of their insurance by either entering a group captive, creating their own insurance entity (captive), or setting up a self-insurance program, offering greater flexibility, customization, and potential cost savings compared to traditional insurance.

Fleet Risk Management Consulting

Provides access to risk management experts who help you analyze your fleet’s vulnerabilities, improve safety practices, and reduce overall exposure to risk.