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The transportation industry is an industry unlike any other. According to the U.S. Department of Labor, Bureau of Labor Statistics, truck and delivery service drivers accounted for more than 70,000 workplace injuries and illnesses in a single year. Truck drivers have been working remotely before working remotely was a thing. This is why carriers must provide the utmost focus and training in ensuring that their drivers are safe beyond just when the wheels are turning. There are multiple key areas where a driver is at risk of injury when moving inside and outside the cab of the tractor.   This webinar dives into key areas and provide best practice measures that a carrier can consider in keeping their drivers safe while out there on the road.   LEARNING OBJECTIVES: Inside Cab Safety Entering/Exiting Fifth Wheel Release Landing Gear Tandem Release Opening/Closing Trailer Doors Click here to download the presentation.

Construction contracts are fraught with risk. Contract Sums are high, and potential liability for each and every project is higher still. Finding a way to reduce your risk by making changes acceptable to the other side often seems like an impossible task.   In this webinar, Eliot Wagonheim, construction attorney and founder of First Rule Contract Training , will guide you through 5 small changes with big, bottom-line impact.   Why small? Because drowning the other side in a sea of red ink won’t get you where you need to be.   Why these changes? Because your company doesn’t benefit from legal nit-picking. What your company needs is maximum protection and optimized profit.   LEARNING OBJECTIVES: How to Revise the Change Order provision to eliminate your risk of non-payment (even for unsigned change orders) What that indemnification language really means and how to reduce your risk by making small, but significant changes Why “boilerplate” Lien Releases can hurt your bottom line, and what you can (and should) do about it. How to close the huge, but often unseen, warranty gap that could cost your company thousands of dollars…or more The one change that will enable you to sign off on a contract that ties you to a Project Schedule…even when the schedule is out of date or not attached at all. Click here to download the presentation.

Workplace incident investigations play a crucial role in maintaining safety and preventing future accidents. When an incident occurs—whether it's a fatality, injury, illness, or close call—employers and workers have an opportunity to identify hazards and shortcomings in their safety programs. By investigating root causes rather than assigning blame, organizations can improve workplace morale, increase productivity, and demonstrate their commitment to a safe environment. These investigations also fulfill legal requirements, help determine the cost of incidents, improve safety culture and ensure compliance with relevant regulations. Ultimately, they empower employers to implement corrective actions that minimize or eliminate serious consequences from similar incidents in the future.   Join our upcoming webinar to explore workplace incident investigations. Learn how these crucial assessments empower organizations to enhance safety, comply with regulations, and prevent future incidents. Discover practical strategies for identifying root causes and implementing effective corrective actions.   Learning Objectives: Understand the importance of workplace incident investigations in maintaining safety and preventing accidents. Recognize the role of incident investigations in identifying hazards and shortcomings in safety programs. Appreciate the value of investigating root causes rather than assigning blame. Learn how incident investigations contribute to workplace morale, productivity, and compliance. Explore practical strategies for implementing corrective actions based on investigation findings. Click here to download the presentation slides.

Discover of how insurance premiums are established and why cost might not be stacking up in your favor. Click here to watch the webinar now!

Discover the components of self-funding, benefits, and drawbacks. Click here to watch the webinar now!

Self-funded employers are able to take control of plan spend through many different strategies. We dive into some of these top strategies related to pharmacy, condition management, and medical consumerism. Click here to watch the webinar now!

Discover how Guide Re is different than other captives in the marketplace and why it’s the best option for employers looking to outperform the market. Click here to watch the webinar now!

Learn about the advantages of a basic captive model in relation to the current marketplace due to volatility and constraints of other funding arrangements. Click here to watch the webinar now!

A recent study by the ATA found a staggering 62% of trucking companies experience delays exceeding 30 days in resolving claims through standard insurance carriers. That translates to an average loss of $15,000 per day  due to operational disruptions and equipment downtime. Feeling like you have little control over the process? You're not alone. But one of the biggest frustrations trucking company owners are feeling is the lack of claims data. A recent Institute of Risk Management (IRM) survey found a concerning 71% of risk managers in the transportation industry reported receiving limited or no access to detailed claims data from their standard insurance providers. Without this data, you lack the ability identify trends and implement effective loss prevention strategies. Captives Offer a Solution: By joining a member-owned group captive, you unlock a powerful set of claims management advantages that allow you to unlock your business’ greatest potential. Faster Resolution:  Captive members get access to a more streamlined and personalized claims approach, leading to quicker settlements and less disruption. Direct Influence:  You have a greater say in how claims are handled, potentially reducing costs, and minimizing frivolous lawsuits. Actionable Insights:  Members receive detailed data on your specific claims experience. This empowers you to identify trends, develop targeted loss prevention programs, and ultimately influence future premiums. But not all captives are alike. At Cottingham & Butler, we've championed trucking captive programs for over 35 years, helping the best trucking companies mitigate risk, efficiently manage claims when they happen and ultimately lower their costs. Let Captives unlock your business’ greatest potential. Don't let the standard market dictate your claims experience. Let us help guide you towards finding the right solution for you, that empowers you with control, transparency, and potential significant cost savings. Contact your Cottingham & Butler Representative today.

As we navigate the increasingly litigious landscape of risk management, we'd like to highlight trends related to  nuclear verdicts and their impact on captive insurance . The below insights and trends can help inform your strategic captive insurance decisions moving forward: Escalating Severity and Frequency of Nuclear Verdicts : Studies show an upward trend in nuclear verdicts, with a record number of "mega" nuclear verdicts ($100 million or more) in 2022 and 2023. The median nuclear verdict was $21 million, with product liability cases peaking at $36 million in 2022 - a 50% rise over a decade. This trend underscores the need for captive insurance solutions that can provide higher limits and more flexible coverage options to address the growing risk of extreme verdicts. Volatility and Rebound of Nuclear Verdicts : The frequency of nuclear verdicts dropped significantly during the COVID-19 pandemic but quickly rebounded to near pre-pandemic levels by Q3 2021. This volatility highlights the need for captive insurance solutions that can adapt quickly to changing litigation landscapes. Captives can offer the flexibility to adjust coverage and limits rapidly in response to such fluctuations in verdict trends. Long-Term Upward Trend : Excluding the pandemic years, there's an upward trend in the frequency of reported nuclear verdicts at all levels over the 10-year study period. This persistent increase underscores the growing importance of captive insurance in providing adequate coverage for large verdicts.  Source:  US Chamber of Commerce Institute for Legal Reform   Cottingham & Butler's captive insurance programs, backed by dedicated claims adjusters, have achieved a 99% renewal rate across our 12 captives with 380+ members. This success emphasizes the value of specialized claims management in today's challenging legal environment. Why is a dedicated claims adjuster crucial? Expertise in Large Claims : Specialized knowledge needed to navigate complex, high-stakes cases Proactive Risk Management : Proactive identification of trends and potential high severity cases and implementation of early resolution strategies Tailored Approach : Provides personalized attention to each client and for each case, potentially reducing the likelihood of nuclear verdict Cost Control : Expertise can lead to more efficient claims handling and potentially lower overall costs Click here to get in touch with our captive experts!

CVSA’s Operation Airbrake Program's next scheduled campaign will occur from August 25-31, 2024. In 2023, 18,875 commercial motor vehicles were inspected during this campaign, with 2,375 of those being placed out of service for brake-related violations. Properly functioning brake systems are crucial to safe commercial motor vehicle operation.   This webinar will bring in an inspector from the Ohio Department of Safety to prepare you for this campaign, and to bring education on what you as a carrier and/or driver can do to prevent these types of violations not only during this campaign but in your daily operations as well. LEARNING OBJECTIVES Helping fleets prepare for the CVSA Operation Brake Check By identifying issues with brake lining and pads Learning about the components the inspectors will check. Discussing the importance of a proactive vehicle maintenance program. Reducing roadway crashes caused by braking systems on commercial motor vehicles. Click here to download the presentation slides.

Fall protection is critical in the construction industry to prevent serious injuries and fatalities. OSHA’s Subpart M outlines fall protection requirements, and employers must select measures compatible with the work being performed. Assessing the specific work context and choosing the appropriate equipment to keep workers safe is paramount to reducing construction-related worker fatalities LEARNING OBJECTIVES Selecting the right equipment (anchor points, harnesses, lanyards) Assessing work contexts Best practices for gear inspection Click here to download the presentation slides.