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Client Impact Stories
Delivering Better Outcomes Every Day
Driving Results That Matter
At Cottingham & Butler, we believe every challenge has a solution. Explore how we partner with clients to create breakthrough solutions that deliver meaningful, measurable impact.
Employee Benefits
Employee Benefits


A Carrier Walked Away. A Partner Stepped In.
When ag retail hit a rough patch with carriers pulling out, coverage gaps at the worst possible time, Jamal Khali and his team at Farmers Co-op Association & Vision Ag needed more than a policy. They needed a partner.


$323K Premium Reduction Achieved
Chicago manufacturer slashes 52% renewal increase to just 4.7%, avoiding $323K in premiums and removing $1.5M+ in claims through strategic benefit solutions.


$450,000+ Saved Through Strategic Risk Transfer Solutions
Illinois manufacturer transforms 42% healthcare cost increase into $450K+ savings through innovative treatments and strategic risk management solutions.
Transportation
Transportation


Brite Logistics Reduces Reportable Accidents by Over 65%
For Brite Logistics, joining a captive took multiple years of diligent work. The results speak for themselves. Before partnering with Cottingham & Butler, Brite was in the general market, where the relationship felt purely transactional. Every claim or incident meant going to a different adjuster, making it hard to stay on top of issues from start to finish. That changed when Brite joined the Pursuit captive. What changed: One point of contact for every claim — instead of bou


From Limitations to Growth: A Transportation Success Story
This transportation company achieves 20% auto liability reduction, doubles cargo limits, and gains captive insurance access in 30 days with Cottingham & Butler's strategic approach.


$150K+ Savings: How Persistence Pays in Captive Insurance
Discover how Mockingbird Transport saved $150K+ annually through captive insurance. A trucking case study on persistence, peer validation, and strategic partnership.
Case Study Property Casualty
Property & Casualty


Beef Processor: Rebuilt a Fragmented, Overpriced Program and Saved ~$3M
One of the country's largest beef processors was facing increased premiums, lack of options, and difficulty obtaining adequate insurance.


Leveraged best practices and good loss experience to return $80,000 year after year
Discover how Cottingham & Butler was able to leverage a manufacturer's good loss experience to achieve $80,000+ in returns year after year.


From Four Declines to $600,000 in Savings: What a Better Narrative Can Do
44% Premium
Reduction Secured
From the Incumbent Carrier
$600,000+ in Annual
Premium Savings
3 of 4 Carrier
DeclinationsOverturned
Creating Real Market Competition
The Situation
A national leader in renewable energy infrastructure and community solar projects came to Cottingham & Butler ahead of a renewal they expected to be expensive and frustrating.

“Our collaboration with Cottingham & Butler has been transformative.”
Rihm Kenworth
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