Transportation & Fleet Services

Duncan Financial Group's RM365 offers a comprehensive, year-round risk management solution tailored for the Transportation and Moving & Storage industries. This proactive program addresses key fleet challenges including driver safety, regulatory compliance, insurance cost control, and claims management, allowing businesses to focus on growth while ensuring protection and efficiency.

RM365 is an all-in-one solution for insurance and risk management, built specifically for the Transportation and Moving & Storage industries

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.

Protect Your Moving & Storage Business with Confidence

Unexpected losses during a move or while property is in storage can hurt your bottom line—and your reputation. Duncan Financial Group’s Moving and Storage Insurance Program helps safeguard your operations with tailored coverage and a Complimentary RM365 Risk Assessment. Discover how to reduce premiums, optimize your coverage, and win more contracts with a smarter approach to risk.

Understand How Your Risk Profile Impacts Your Premiums

Insurance companies use vast amounts of data to assess and quantify risks associated with your business. However, your business can actively improve its risk profile by implementing comprehensive safety programs, regularly reviewing and updating risk management processes, and leveraging data analytics to identify and mitigate potential hazards, ultimately reducing premiums and enhancing employee safety.

Tailored Solutions for All Fleets of All Sizes

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 leased/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.


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.

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.

Don't Just Take Our Word for It! Real Businesses, Real Results

  • Elk Air
    David, I just can't thank you enough to finding and returning to us the $27,438 in overcharges from our last two years of audits.  I only wish we had been allowed to go back to the prior years to recover money.  More importantly, you provided us with a process so that we can avoid being overcharged in the future by the insurance companies.
    Ralph Kemp - President
    Elk Air Conditioning
  • CHarper
    I just cannot thank you enough for helping us to take control of our work comp.  In addition to making my life easier by helping to manage our claims, your team helped us create a very strong safety culture.  Our injuries are down significantly, but more importantly, you helped reduce our work comp premium by over $80,000 a year.
    Lori Bodnar – HR Director
    C Harper Automotive Group
  • Odyssey Communications

    David, you and your East Coast Risk Management team blew us away. First, your team recovered over $42,000 in overcharges that my agent allowed to happen. Second, over the next 7 months you overhauled our safety programs and hiring process. Your injury management team minimized a potentially uncontrollable and ugly claim which would have cost us tens of thousands of dollars in additional premium and rehiring costs. Third, your negotiations with our insurance company resulted in an additional $49,387 (44%) reduction in my workers compensation renewal premium. We figure you have added over $100,000 to our bottom line in just 1 year. Thanks!!!!

    Alex Yawny - CEO
    Odyssey Communications
  • Siegel & Jennings
    Throughout David’s career he has always been on the forefront of thinking. His understanding of insurance and specifically workers' compensation allow him to see things and establish practices that others eventually follow. David takes an entrepreneurial approach to problem solving resulting in both savings and added protection for his customers.
    J. Kieran Jennings, Esq. - Managing Partner
    Siegel Jennings
  • Kasto
    I first became acquainted with David’s knowledge of Workers’ Compensation when I attended a seminar in 2007. I took the opportunity to meet with David to discuss better ways we could handle not only our Work Comp claims, but how we needed to drastically overhaul our HR processes. The Benefits have been multitude. I have great confidence in ultimately can make a company more profitable.
    Colleen Maize - HR Director
    Kasto, Inc.
  • Gottlieb
    9 months ago I hired Duncan and their East Coast Risk Management to implement their Risk Solutions Program. As a result, I just saved $57,494 on my insurance renewal - That's 42%. Duncan met with me and my employees, toured my facility and put together an aggressive Risk Solutions Business Plan. They started implementing immediately and are in our plant several times each and every month.
    Robert Gottlieb - CEO
    Gottlieb, Inc
  • Jet Net
    David Leng is very knowledgeable about Workers’ Compensation and a pleasure to work with. His knowledge allowed our company to reduce its Workers’ Compensation premiums by almost 55%.
    Mike Spitznagel - CFO
    JetNet Corporation
  • Bowser Automotive
    Working with Duncan we were able to enhance the safety culture in our organization and reduced our Workers’ Compensation costs by over $300,000 a year.
    Gary Bowser, II, President
    Bowser Automotive Group
  • Duda Cable
    Duncan found that my experience modifier was WRONG!!!!  Not one of over a dozen plus agents that I spoke to previously saw that!  They were able to get my experience modifier corrected, and force my insurance companies to return over $86,000 to me! They leveraged what safety changes they implemented and obtain an insurance policy at our renewal that was over $100,000 lower. In a span of 4 months, they put almost $200,000 back in my pocket!
    Mark Duda - President
    Duda Cable Construction

Get Your Custom Risk Management Plan Today

Simply fill out the form and our team of experts will reach out to you to discuss your personalized risk management strategy.

(724) 978-2139
dleng@duncangrp.com