About The Duncan Group
A different kind of insurance brokerage.
The Duncan Group is an independent insurance brokerage and risk advisory firm built around a simple belief: clients deserve more than access to insurance markets.
They deserve advisors who understand the business, help identify and manage risk, prepare the organization for the underwriting process, advocate when losses occur and remain engaged throughout the year.
We combine insurance brokerage, risk management, claims advocacy, specialized expertise and technology to help businesses and private clients make better risk decisions.
We did not build the firm to simply place policies.
Insurance brokerage can become transactional. Applications are collected. Markets are approached. Quotes are compared. Policies are placed. Then the relationship becomes quiet until the next renewal.
The Duncan Group is being built around a different model.
We believe the broker should help clients:
- understand risk
- improve risk where possible
- determine how risk should be financed
- communicate the full underwriting story
- navigate claims
- prepare strategically for what comes next
Our compensation comes from solving risk-transfer problems for clients. The policy is part of that work. It is not the entirety of it.
What We Believe
- 01
Premium is an outcome.
Insurance cost is influenced by the risk itself, how it is managed, how it is structured and how effectively it is presented to the marketplace.
- 02
Uncertainty gets priced.
When underwriters are missing important information, conservative assumptions often fill the gaps.
- 03
Better insurance outcomes begin before the marketplace.
The work performed before submission can be as important as the negotiation that occurs afterward.
- 04
The submission is part of the strategy.
An insurance submission should help the underwriter understand why the organization deserves consideration.
- 05
Insurance is one component of a broader risk strategy.
Some risks should be reduced. Some retained. Some transferred. Some financed differently.
- 06
Claims should inform what happens next.
Losses should create learning, corrective action and better future decisions.
- 07
The brokerage relationship should be active throughout the year.
Risk management does not begin sixty days before renewal.
- 08
Not every buyer is the right client.
Duncan is designed for clients who want a more engaged, strategic relationship with risk.
Independent by design.
The Duncan Group is an independent brokerage.
That independence allows us to focus on the client's risk, the appropriate insurance structure and the markets best suited to consider it.
Our objective is not to force every client into the same carrier, product or program. It is to evaluate the available options and make thoughtful recommendations based on the client's circumstances.
Depth matters more than a long list of industries.
Who we serveWe do not believe specialization means putting an industry name on a webpage. It means investing enough time in an industry to understand:
- how the business operates
- where losses occur
- what underwriters care about
- what contracts matter
- what safety issues recur
- what insurance structures are common
- what questions should be asked
That is why The Duncan Group develops dedicated practice areas rather than approaching every account as a generalist.
The Duncan Difference
A better brokerage model requires more than access to insurance markets.
The Duncan Group invests in the infrastructure, expertise and professional development required to support a more proactive advisory relationship.
- 01
RiskAtlas
Our proprietary client-facing insurance and risk-management technology platform.
- 02
Safety & Compliance
Proactive support around safety practices, loss control, regulatory considerations and operational risk controls.
- 03
Claims Management & Advocacy
Claims experience that informs policy structure before a loss and advocacy after one.
- 04
RiskUniversity
Our in-house technical development program for Duncan professionals.
- 05
Alternative Risk Solutions
Evaluating whether traditional guaranteed-cost insurance remains the right way to finance risk.
- 06
Specialized Industry Expertise
Specialized practices in the industries where deeper knowledge produces better analysis.
The firm today.
The Duncan Group is being built deliberately. Rather than claiming a legacy, we would rather be measured by the way the work is done: the questions asked during discovery, the quality of the submission, the follow-through between renewals and the response when a client has a loss.
The values behind the firm are shaped by insurance experience and a long-term perspective on client relationships.
If that is the type of relationship you are looking for, we should talk.
Tell us about the organization, the risk and what you are trying to accomplish.