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.
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.


Protect Your Moving & Storage Business with Confidence
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
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 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
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.