A leading provider of risk management and employee benefits insurance & consulting services for domestic and international markets. Better Every Day That is our promise to our clients, company, and people. It’s a commitment to challenging conventional wisdom, innovating, and improving how we serve our clients and grow as industry professionals. 3rd largest privately and independently held insurance broker in the U.S. At Cottingham & Butler, we sell a promise – to show up and deliver for our clients during life’s toughest moments. Every day, we pair brilliant ideas with strategy, empathy and hard work that produces results that are the rival of the industry. SEE HOW WE HELPED BUSINESSES LIKE YOURS Trusted Insurance Advisors Cottingham & Butler is a privately-held, national insurance broker, and a leading provider of risk management and employee benefits insurance & consulting services. Property & Casualty Employee Benefits Solutions Captives & Programs Safety Management Services Claims Management Featured Insights Cottingham & Butler Strengthens Property & Casualty Leadership At Cottingham & Butler, our growth has always come from the same place — deep expertise, genuine care for our clients, and a team that knows this business inside and out. Today, we're excited to share several leadership appointments across our Property & Casualty business that build on our strong foundation. News MLR Rebates & How to Handle Them Employee Benefits DOL Issues New Guidance on Mental Health Parity Rules Enforcement Employee Benefits Annual Non-Discrimination Testing Employee Benefits VIEW ALL INDUSTRY NEWS & EVENTS “The relationship that we have, and have always had, with Cottingham & Butler is trust. We listen to them, and they haven’t steered us wrong yet. Without Cottingham & Butler, it’d be hard for us to be where we are today.” David Freymiller | CEO, Freymiller People Who Make A Difference What makes Cottingham & Butler so special? It’s simple – our people. Our team is made up of extraordinarily talented individuals who consistently prioritize the success of our clients and their teammates, working to achieve the very best in everything they do. EXPLORE OPPORTUNITIES

WEBINAR Mid-Year Election Changes November 19, 2026 | 2026, 2PM CST Register Now! Each person who plans to attend the webinar should complete this registration form. When employees request mid-year benefit changes, the rules aren’t always straightforward. In this session, we’ll examine the interaction between HIPAA special enrollment rights and Section 125 cafeteria plan election change rules, highlighting when changes must be permitted—and when they may be restricted. We’ll also explore key differences between requests to add coverage versus drop coverage mid-plan year, helping employers administer changes consistently and compliantly. November 19, 2026 2:00 PM CST VIRTUAL Learning Objectives By the end of this webinar, participants will be able to: Explain how HIPAA special enrollment rights interact with Section 125 cafeteria plan election change rules in determining permissible mid-year changes Differentiate the requirements and restrictions that apply to requests to add coverage versus requests to drop coverage mid-plan year Apply consistent, compliant procedures for evaluating and administering employee mid-year election change requests Brought to you by our partners at Assurex Global Amy Brown, J.D., CFE. CAMS Compliance Consultant Regan Debban, J.D. MBA Director of Compliance Consulting Upcoming Events SAFETY TRAINING October 14, 2026 FMCSA 101: A Practical Introduction to FMCSA Compliance Don't let compliance be complicated. Join us for a one-day training built for new & current safety professionals, fleet managers, operations personnel, and anyone who wants a compliance refresher. Read More Register Now WEBINAR October 22, 2026 COBRA Basics & State Continuation COBRA and state continuation coverage requirements remain a critical compliance area for employers. This webinar will review federal COBRA obligations, including qualifying events, election procedures, notice requirements, and premium administration. We’ll also examine how state continuation laws differ from—and interact with—federal COBRA, helping employers navigate overlapping requirements and reduce compliance risk. Read More Register Now WEBINAR December 17, 2026 End of Year Wrap-Up & Looking Forward to 2027 The compliance landscape for health and welfare benefit plans continued to evolve throughout 2026. As the year winds down, this webinar will recap the most impactful regulatory developments and compliance changes from 2026 and what they mean for employers. We’ll also preview what’s ahead in 2027, including anticipated rules, deadlines, and trends that could shape benefit planning. Read More Register Now IN-PERSON October 25, 2026 International Risk Management Institute Conference Happy Hour Attending the IRMI Construction Risk Conference in Washington, DC? Don't miss your chance to unwind and connect with fellow industry professionals at an exclusive evening hosted by Cottingham & Butler, Guignard and Watt Tieder. Read More Register Now WEBINAR November 19, 2026 Mid-Year Election Changes When employees request mid-year benefit changes, the rules aren’t always straightforward. In this session, we’ll examine the interaction between HIPAA special enrollment rights and Section 125 cafeteria plan election change rules, highlighting when changes must be permitted—and when they may be restricted. We’ll also explore key differences between requests to add coverage versus drop coverage mid-plan year, helping employers administer changes consistently and compliantly. Read More Register Now WEBINAR December 16, 2026 OSHA Recordkeeping & ITA Compliance In this session, safety expert TJ Greenwood will provide a comprehensive overview of OSHA 300 log recordkeeping requirements. Participants will learn how to accurately complete the OSHA 300 log to ensure it makes a positive impression during site inspections, as it is often the first document requested by OSHA. Additionally, this discussion will cover strategies for staying compliant with OSHA 300 log recordkeeping requirements. Read More Register Now View All Events Connect with a C&B Representative Today!

For over 15 years, Cottingham & Butler has collected data from motor carriers coast to coast through the Trucking Benchmark Survey to provide participants with a detailed outlook on how their benefits and compensation programs compare against others in the industry. Unlock the Power of Data for Your Trucking Business REQUEST THE FULL 2026 REPORT! In today’s competitive trucking landscape, every dollar counts. For over 16 years, Cottingham & Butler has been dedicated to helping motor carriers like yours navigate the complexities of employee benefits and compensation. The Trucking Benchmark Compensation & Benefits Survey—your essential tool for ensuring you’re not overspending while still attracting top talent. Did you miss the opportunity to participate in our 2026 survey? If so, download the FREE sneak peak , offering you glimpse into the comprehensive report. GET YOUR FREE 2026 INSIDE LOOK NOW! Request the Full 2026 Trucking Benchmark Report Why Participate? High driver turnover isn't just a statistic – it's a seismic blow to your trucking company's bottom line. Research shows that losing just one driver can cost your company up to $11,500, factoring in recruitment, training, and lost productivity expenses. Recruiting and retaining top-quality drivers is crucial for the success of any motor carrier. The Cottingham & Butler Trucking Benchmark Survey offers insights into: Driver compensation & bonus structures Paid time off strategies Detailed Medical and Rx Plan Benchmarks Miscellaneous benefits tailored to the trucking industry Gain a competitive advantage and elevate your cost management strategies by benchmarking your programs against industry peers. Join over 30 states already leveraging the Trucking Benchmark Compensation & Benefits Survey to make data-driven decisions. Take the first step today and discover how your company's benefits and compensation stack up against industry standards. Together, we'll optimize your financial strategy to keep your business competitive while maintaining a healthy bottom line. Transportation Insight & Impact The 2026 Transportation Summit Recap t. Whether you missed the Summit altogether, missed a session or two, or attended and want a closer look at what matters most, this recap highlights the key takeaways from each session and the biggest themes for carriers heading into 2027. Transportation Where Rates Stand in Q2 2026 The turn that started in Q1 is broadening. Q2 posted a second straight quarterly decline, property is leading the drop, and auto and umbrella are still climbing. Here is what moved, why, and how to think about it. Property & Casualty Contingent Business Interruption Insurance Just one brief business interruption can be incredibly costly for an organization, often leading to serious reputational damages or long-term closures. Standard business interruption policies are vital in these instances, providing protection against a variety of common interruptions, including natural disasters, equipment damage and vandalism. Articles VIEW MORE Whether you need clarification on survey data or want to discuss optimizing your benefits strategy, we're just a message away. Jill Lange Sales Executive Kim Beck Senior Vice President Jamie Bishop Vice President Eddie Rios Vice President Jackie Ronning Vice President Mark Rapp Sales Executive TBS Connect with our team of trucking benefits experts!

We firmly believe in the extraordinary capabilities of people. Our commitment is to unleash that potential by empowering our team to take on new challenges, creating remarkable outcomes for our clients. Join a team that celebrates your talents, where your contributions make a genuine impact on the business. People are capable of amazing things EXPLORE CAREER OPPORTUNITIES At Cottingham & Butler, we firmly believe in the extraordinary capabilities of people. Our commitment is to unleash that potential by empowering our team to take on new challenges that create remarkable outcomes for our clients. Join a team that celebrates your talents and where your contributions make a genuine impact on the business. Learn more about what we do, who we are, and why you’ll love working here too. Sales Career Earn trusted advisor status with some of the best companies across the country. Help owners and senior-level executives transform how they manage their business and solve some of their greatest challenges when it matters most. EXPLORE SALES CAREERS Meet Colin, Sales Superstar > Service Career Join a dynamic team of professionals who are committed to delivering exceptional client value and service, every day. Raise the bar by advocating, inventing, and delivering results for organizations across a variety of industries. JOIN OUR SERVICE TEAM Meet Blythe, Service Champion > Corporate Career Join a trusted corporate resource team, responsible for delivering operational excellence that supports our rapid growth. Together, we share the goal of delivering specialized service and expertise that help moves the business forward. EXPLORE CAREER OPPORTUNITIES Meet George, Creative Achiever > Interns & New Grads As a young professional, you'll be immersed into a team that mentors you to master the business, empowering you to start problem-solving and delivering client value from day one. EXPLORE OUR STUDENT OPPORTUNITIES Meet Sydney, Passionate Problem-Solver > Better Every Day At Cottingham & Butler we believe in the power of continuous improvement. That's why "Better Every Day" isn't just our slogan, it's the driving force behind everything we do. It shapes our interactions with clients, strengthens team connections, and positively impacts the communities we serve. Ready to work for a company that prioritizes your well-being? A career here gets you access to a variety of benefits + perks that help you be your happiest, healthiest self. We are committed to helping our team grow personally and professionally, with benefits built to support every stage of life. Health & Wellness Medical, Dental, Vision, Rx Free Telehealth Paid Disability Brain Health Resources Wealth Benefits 401K Profit Sharing Tax-Advantaged Accounts Dependent Scholarship Program Time & Family Paid Time Off Employee Discounts Holiday Club Onsite Dining & Fitness 1/5 Supporting Working Parents We know the importance of family, so at our home office in Dubuque, Iowa, we have a childcare center where employees receive special rates and are offered first availability at this state-of-the-art facility. Powered by New Horizon Academy, our childcare center includes thoughtfully designed curriculums that foster a love for learning. Hear insight from Cottingham & Butler teammates! EXPLORE MORE Begin your job search now and discover exciting career opportunities at our company. Featured Roles Entry Level Sales Executive Senior Accountant Employee Benefits Client Consultant APPLY TODAY! APPLY TODAY! APPLY TODAY! View all career opportunities > Connect with our Recruiting Team!

Our Employee Benefits Practice acts as an extension of your business, helping to efficiently administer highly valued benefits at an affordable and sustainable cost. Employee Benefits Our Employee Benefits Practice serves as an extension of your business, helping clients efficiently administer highly valued benefits at an affordable and sustainable cost. Combining thoughtful analysis with bold strategies, we empower better business decisions and deliver an improved benefits experience. Strategic Employee Benefits Consulting Reimagining Your Benefits Strategy Improve employee satisfaction, save time & money. We craft tailored Employee Benefits Solutions that engage your workforce and optimize your bottom line. Cost Management Employee Rewards & Engagement Compliance Management Population Health & Wellbeing HR & Administrative Efficiency Mergers & Acquisitions Cost Managemet COST SAVING OPPORTUNITIES IN-DEPTH PLAN ANALYSIS IDENTIFIES GET THE FULL STORY! Cost Management Recent studies have shown that family healthcare in the U.S. is now over $31K per year and the #1 cause of bankruptcy for even those with health insurance. By meticulously analyzing your existing benefits plan, we help identify opportunities to minimize expenses while maximizing the value you receive from your program. Unlock Cost-Saving Strategies > Compliance Compliance Management With a staggering 42% of employers facing penalties for benefits compliance errors, staying on top of regulations is crucial. Our team ensures that your benefits plan remains compliant with all industry regulations by conducting thorough audits, implementing crucial updates, and offering access to a variety of tools and expert resources. Stay Ahead of the Curve > HR & Administrative Efficiency Simplify Enrollment & Enhance Perceived Value: Get Your Free, Customizable Flyer Today. HR & Administrative Efficiency Is your HR team bogged down by administrative tasks instead of focusing on strategic initiatives? Streamlining your HR processes with expert support can free up your team by more than 20% to focus on what matters most – your people By creating efficient systems and workflows, we improve employee satisfaction and drive productivity among your team. Explore Solutions > Employee Rewards & Engagement Employee Rewards & Engagement Happy employees aren't just happy, they're loyal. SHRM studies show that happy and engaged employees are 59% less likely to leave your company. We build upon wage-centric discussions by focusing on a holistic approach, enriching your employees' overall experience with your organization. By strategically aligning reward elements, we not only help you attract top talent but also improve employee retention and engagement. Boost Engagement & Attract Top Talent > BenefitWave is a revolutionary departure from conventional survey methods, utilizing decades of consulting expertise to help employers better understand and leverage their employees' benefit preferences. GET EMPLOYEE INSIGHTS WITH BENEFITWAVE Population Health & Wellbeing Clients without a condition management program spend over $13,300 per member, per year for people with a chronic health condition. Discover How Employers Are Achieving Breakthrough Results With a Condition Management Program Population Health & Wellbeing Explore how Population Health Solutions can transform your workforce into a healthier and more productive asset, all while delivering substantial cost savings. Benefit from data-driven insights, personalized wellness programs, and proactive health management to improve employee well-being and boost your organization's bottom line. Uncover the Power of Population Health Solutions > Mergers & Acquisitions Mergers & Acquisitions Allow us to facilitate a seamless transition in benefit structures through effective due diligence and risk evaluation. Our team of M&A experts shine in finding cost-effective procurement strategies to enhance your financial structures, guiding you throughout for a seamless transition and improved operational value. Learn More On How to Protect Your M&A Investment > Avoid Costly Oversights: Download Your Free M&A Due Diligence Checklist Forward by Design We’ve redefined the broker's role, departing from the conventional and embracing the future. Our approach reflects our dedication to empowering your business through year-round benefits planning, steady support, and strategic preparation. Anticipate and Adapt We anticipate changes in the benefits landscape and swiftly adapt strategies to keep you ahead of the curve. Our consultative and proactive stance ensures your benefits program evolves with the industry. Strategic Partnerships, Not Just Transactions We don't just broker deals; we build lasting partnerships. Our approach is collaborative, working closely with you to craft tailored benefit solutions that align with your goals and values. Year-Round Engagement and Support Benefits planning isn't a once-a-year event; it's an ongoing commitment. We believe in accountability and provide continuous support, proactive insights, and strategic guidance throughout the year to optimize your benefits portfolio. Holistic Benefit Ecosystem Beyond insurance, we architect a holistic benefit system. We incorporate wealth, health, and engagement elements, ensuring your employees' well-being and job satisfaction. Let’s Chat! Schedule a Call With Our Team Upcoming Events At Cottingham & Butler, we understand the importance of lifelong learning. That's why we're dedicated to providing you with insightful events throughout the year. Whether you're looking to network, stay informed about emerging trends, or refine your Employee Benefits package, there's sure to be an event fit for you. VIEW ALL EVENTS Featured Expertise Why Forward-Thinking Companies Choose Stop-Loss Captives Feeling the pressure of rising healthcare costs? Healthcare costs have risen by twice the rate of overall inflation over the past decade and are not expected to slow down. For this reason, more companies are embracing innovative solutions like Benefits Stop-Loss Captives. A stop-loss captive offers employers the control of a self-funded plan combined with the security of protection against catastrophic claims. Think of it as a financial safety net that shields you from unexpected healthcare costs. EXPLORE THE STOP-LOSS ADVANTAGE Gaining Control Over Prescription Drug Costs A recent study found that specialty drugs now account for over 50% of total pharmacy expenses, despite representing only a small fraction of prescriptions filled. This translates to significant financial strain on employers. That's where strategic carve-out programs and patient assistance programs come in. GPS, Cottingham & Butler's guided pharmacy solution, empowers employers to gain greater control over high-cost specialty drugs and connect employees with valuable assistance programs. DISCOVER HOW TO SAVE WITH GPS Cottingham & Butler 2024 Employee Benefits Trends Report As employee expectations and demographics shift, the employee benefits landscape keeps evolving. The Benefit Trends Report stands out by zeroing in on what HR teams and corporate executives prioritize: cost management and enhancing employee value. GET YOUR FREE COPY NOW! Insight & Impact MLR Rebates & How to Handle Them Each year, employers sponsoring a fully insured group health plan may receive a medical loss ratio (MLR) rebate from their insurer. Under the ACA's MLR rules, insurers must provide rebates when their spending on clinical services and quality improvement activities, relative to premium revenue, falls below the applicable MLR standard. Employee Benefits DOL Issues New Guidance on Mental Health Parity Rules Enforcement The Mental Health Parity and Addiction Equity Act (MHPAEA) requires group health plans that offer mental health or substance use disorder benefits to provide those benefits on terms that are no restrictive than medical/surgical benefits. That’s the “parity” part of the law. Employee Benefits Annual Non-Discrimination Testing Does your organization need to run nondiscrimination testing on its cafeteria plan every year? In this video, Bret McKitrick, VP of Compliance at Cottingham & Butler, explains why the IRS cares about who benefits from these plans, why testing is the only real way to prove your plan isn't discriminatory, and what risks to weigh if you decide to skip it. Spoiler: it's a "maybe, kinda, yeah, sort of" answer, and Bret walks you through why. Employee Benefits VIEW MORE Employee Benefits Connect with our Employee Benefits Team

INVITATION ONLY CEO Summit May 11th & 12th Loews Chicago O'Hare Hotel | 5300 N River Road, Rosemont, IL 60018 View Event Information CEOs gather here to solve complex challenges alongside peers and industry leaders who've navigated similar ground successfully. This summit delivers what others don't: actionable strategies, peer-validated solutions, and frameworks you can implement immediately. This event is invite only. May 11-12, 2027 12:00 PM Rosemont, IL Positioned to Win. Great leadership starts with great ideas, and the Cottingham & Butler CEO Summit is where they happen. This exclusive event brings together top executives for conversations that matter, real-world insights, strategic thinking, and actionable solutions. Join a community of leaders who challenge the status quo, share experiences, and shape the future of their businesses. An exclusive forum for CEOs ready to lead what's next. Upcoming Events SAFETY TRAINING October 14, 2026 FMCSA 101: A Practical Introduction to FMCSA Compliance Don't let compliance be complicated. Join us for a one-day training built for new & current safety professionals, fleet managers, operations personnel, and anyone who wants a compliance refresher. Read More Register Now WEBINAR October 22, 2026 COBRA Basics & State Continuation COBRA and state continuation coverage requirements remain a critical compliance area for employers. This webinar will review federal COBRA obligations, including qualifying events, election procedures, notice requirements, and premium administration. We’ll also examine how state continuation laws differ from—and interact with—federal COBRA, helping employers navigate overlapping requirements and reduce compliance risk. Read More Register Now WEBINAR December 17, 2026 End of Year Wrap-Up & Looking Forward to 2027 The compliance landscape for health and welfare benefit plans continued to evolve throughout 2026. As the year winds down, this webinar will recap the most impactful regulatory developments and compliance changes from 2026 and what they mean for employers. We’ll also preview what’s ahead in 2027, including anticipated rules, deadlines, and trends that could shape benefit planning. Read More Register Now IN-PERSON October 25, 2026 International Risk Management Institute Conference Happy Hour Attending the IRMI Construction Risk Conference in Washington, DC? Don't miss your chance to unwind and connect with fellow industry professionals at an exclusive evening hosted by Cottingham & Butler, Guignard and Watt Tieder. Read More Register Now WEBINAR November 19, 2026 Mid-Year Election Changes When employees request mid-year benefit changes, the rules aren’t always straightforward. In this session, we’ll examine the interaction between HIPAA special enrollment rights and Section 125 cafeteria plan election change rules, highlighting when changes must be permitted—and when they may be restricted. We’ll also explore key differences between requests to add coverage versus drop coverage mid-plan year, helping employers administer changes consistently and compliantly. Read More Register Now WEBINAR December 16, 2026 OSHA Recordkeeping & ITA Compliance In this session, safety expert TJ Greenwood will provide a comprehensive overview of OSHA 300 log recordkeeping requirements. Participants will learn how to accurately complete the OSHA 300 log to ensure it makes a positive impression during site inspections, as it is often the first document requested by OSHA. Additionally, this discussion will cover strategies for staying compliant with OSHA 300 log recordkeeping requirements. Read More Register Now View All Events Connect with a C&B Representative Today!

SAFETY TRAINING FMCSA 101: A Practical Introduction to FMCSA Compliance Wednesday, October 14 | 8:30 am - 5:00 pm Don't let compliance be complicated. Join us for a one-day training built for new & current safety professionals, fleet managers, operations personnel, and anyone who wants a compliance refresher. October 14, 2026 8:30 am Dubuque, Iowa Topics Covered We'll walk through the compliance essentials every safety program needs. Accident Register Drug & Alcohol Testing Financial Responsibility (MCS-90) Driver Qualification Files & the Clearinghouse Vehicle Maintenance Files Hours of Service Regulations Overview of CSA; Data Q’s and the Crash Prevention Determination Program (CPDP) Why Attend? Receive education on the Federal Motor Carrier Safety Regulations to help reduce the likelihood of violations during an FMCSA Compliance Investigation. This training will also help lower claim costs, better position your fleet within the insurance marketplace, and build confidence in managing your FMCSA compliance program. What's Included Lunch will be provided, and all attendees will receive a copy of the Federal Motor Carrier Safety Regulations Handbook. Cost $225 C&B Clients $300 Non-C&B Clients Kara Vines Senior Safety Consultant, SMSC Upcoming Events SAFETY TRAINING October 14, 2026 FMCSA 101: A Practical Introduction to FMCSA Compliance Don't let compliance be complicated. Join us for a one-day training built for new & current safety professionals, fleet managers, operations personnel, and anyone who wants a compliance refresher. Read More Register Now WEBINAR October 22, 2026 COBRA Basics & State Continuation COBRA and state continuation coverage requirements remain a critical compliance area for employers. This webinar will review federal COBRA obligations, including qualifying events, election procedures, notice requirements, and premium administration. We’ll also examine how state continuation laws differ from—and interact with—federal COBRA, helping employers navigate overlapping requirements and reduce compliance risk. Read More Register Now WEBINAR December 17, 2026 End of Year Wrap-Up & Looking Forward to 2027 The compliance landscape for health and welfare benefit plans continued to evolve throughout 2026. As the year winds down, this webinar will recap the most impactful regulatory developments and compliance changes from 2026 and what they mean for employers. We’ll also preview what’s ahead in 2027, including anticipated rules, deadlines, and trends that could shape benefit planning. Read More Register Now IN-PERSON October 25, 2026 International Risk Management Institute Conference Happy Hour Attending the IRMI Construction Risk Conference in Washington, DC? Don't miss your chance to unwind and connect with fellow industry professionals at an exclusive evening hosted by Cottingham & Butler, Guignard and Watt Tieder. Read More Register Now WEBINAR November 19, 2026 Mid-Year Election Changes When employees request mid-year benefit changes, the rules aren’t always straightforward. In this session, we’ll examine the interaction between HIPAA special enrollment rights and Section 125 cafeteria plan election change rules, highlighting when changes must be permitted—and when they may be restricted. We’ll also explore key differences between requests to add coverage versus drop coverage mid-plan year, helping employers administer changes consistently and compliantly. Read More Register Now WEBINAR December 16, 2026 OSHA Recordkeeping & ITA Compliance In this session, safety expert TJ Greenwood will provide a comprehensive overview of OSHA 300 log recordkeeping requirements. Participants will learn how to accurately complete the OSHA 300 log to ensure it makes a positive impression during site inspections, as it is often the first document requested by OSHA. Additionally, this discussion will cover strategies for staying compliant with OSHA 300 log recordkeeping requirements. Read More Register Now View All Events Connect with a C&B Representative Today!

Whether you're an owner-operator or manage a national fleet, safeguarding your drivers, trucks, and cargo is critical for success. 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 TRANSPORTATION PROPERTY & CASUALTY Employee Benefits Employee Benefits A 40-Year Partnership Built on Strategy: Bay Family of Companies and Cottingham & Butler Karen Young shares how a decades-long partnership with Cottingham & Butler has shaped the way Bay approaches risk and 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. 1 2 3 4 5 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. 1 2 3 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. 1 2 3 4 “Our collaboration with Cottingham & Butler has been transformative.” Rihm Kenworth Connect with our Team of Experts Up

We understand the value of fresh perspectives and eager minds. As a student or recent graduate, you are the future of our industry, and we’re excited to nurture your interests and talents to help build the career you want. Your future starts with Cottingham & Butler We understand the value of fresh perspectives and eager minds. Students and recent graduates play a significant role in shaping the future of our industry. At Cottingham & Butler, we provide an environment and culture where you can learn, grow, and make a lasting impact. Whether you're seeking an internship to kickstart your journey or launching your career as a recent graduate, we have the perfect path for you. Explore our opportunities now and take the first step towards your future. Internship Program > Graduate Careers > Internship See what makes interning at Cottingham & Butler the ultimate learning experience. Internship Program 1:1 Mentorship Get 1:1 mentorship, manager support, and direct access to the Cottingham & Butler leadership team. Never underestimate your potential. As a Cottingham & Butler intern, you'll take on specific responsibilities, putting you front and center with clients and within various business functions, all while gaining a 360-degree view of life at Cottingham & Butler. VIEW INTERNSHIP OPPORTUNITIES Internship Class : 2017 Current Role : Vice President, Transportation Lexi Myers MEET LEXI Graduate Graduate Careers Start your career by doing something meaningful. A career at Cottingham & Butler means belonging to an ideas-driven culture that embraces new perspectives to solve complex problems. Whether engaging clients or contributing to our operations, every day brings a new challenge, accompanied by an ever-expanding level of responsibility. VIEW FULL-TIME CAREER OPPORTUNITIES Launch Your Career with Confidence Learn from C&B Insiders for advice to make a lasting impression during your interview. LAND YOUR DREAM JOB AT C&B Access Our Resume Writing Guide Now to Create a Personalized, Winning Resume REVAMP YOUR RESUME Read these five career advancement lessons from a Cottingham & Butler leader. START YOUR JOURNEY What We Look For In Early Career Candidates Who You Are Embrace your individuality, share unique experiences that will contribute to our dynamic business culture. How You Think Demonstrate strategic and innovative problem-solving skills vital for overcoming challenges in service to our business and clients. What Matters to You Showcase your values aligned with our commitment to integrity, emphasizing a positive impact within our organization and the broader community. Artfile-05 Artfile-03 IMG_8052 Artfile-05 1/4 Young Professionals Network Connecting young professionals with each other, the business community, and the city in which we live, work, play, and do business. LEARN MORE ABOUT YP DUBUQUE Connect with our Recruiting Team!

The Cottingham & Butler Manufacturing Practice offers a dedicated focus on risk control, seamless claim services, and comprehensive coverage expertise, delivering a holistic approach to managing the inherent risks faced by today's manufacturers. Manufacturing Captive Cottingham & Butler Captives & Programs deliver alternative risk solutions for best-in-class companies. CONNECT WITH OUR TEAM As a member of our Manufacturing Captive, members collaborate with similar, top-tier companies, gaining control over their insurance programs while fostering the potential for significant culture and financial improvements. Mfg Captive Testimonial “With the help of the captive, we have added the support and structure necessary to not only make safety a focus but to make safety a part of the Woolf Culture— at work and in all of our daily lives.” Karen Corley | Controller, Woolf Distributing Company Inc. Weathering the Storm: Captive Insurance as a Risk Management Solution for Manufacturers in a Turbulent Economy READ THE FULL ARTICLE Current Quarter Market Report DOWNLOAD THE 2025 Q2 REPORT Ready to learn more about our Captive Solutions? VIEW OUR CAPTIVE BROCHURE Unlock the Strategic Benefits of Captive Insurance Predictable Costs Less Market Volatility Control Over Claims Lower Premiums Tailored Coverage Best-in-Class Peer Engagement Return of Underwriting Profits Company Specific Loss Control Is a Group Captive Right for You? Tired of paying too much for your insurance? Want more control over claims handling? Want to join growth-focused peers? Need more proactive safety support? Ready to invest in yourself for premium returns? CONTACT OUR CAPTIVE EXPERTS TODAY! Captive Insight & Impact Captives: Why the Right Companies Are Leaning In & Why Now Is the Perfect Time Discover why mid-market food, ag, and processing companies are turning to captive insurance for pricing stability, underwriting profit, and long-term cost control in today's unpredictable casualty market. Articles 2025 Cottingham & Butler Captive Recap: Delivering Stability in Uncertain Times Discover how Cottingham & Butler's captive insurance programs delivered stability and savings for trucking companies in 2025. Real results, real value. Articles $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 Studies VIEW MORE Manufacturing Captive Contact our Manufacturing Captive Experts Today!

We are excited to extend an invitation to our upcoming Employee Benefits Seminar Tour designed specifically for individuals like you, who are at the forefront of shaping organizational culture and strategy. Cottingham & Butler hosts these exclusive events to provide a free opportunity for HR professionals to network, stay on top of emerging trends, and be a strategic leader in their organization. 2025 COTTINGHAM & BUTLER Better Every Day Seminar Resources RESOURCES AT YOUR FINGERTIPS! What Actually Matters in Benefits Compliance Future-Proofing Your Workforce 5 Key Strategies to Manage Costs “The content and the information is great and I walk away with ideas to bring back to help enhance our benefits packages and compensation.” - COTTINGHAM & BUTLER SEMINAR ATTENDEE Connect with our Employee Benefits Team

Whether you're an owner-operator or manage a national fleet, safeguarding your drivers, trucks, and cargo is critical for success. Cottingham & Butler, Inc. Website Privacy Policy Last Updated: July 30, 2026 Introduction Cottingham & Butler, Inc. and its insurance services affiliates (“Cottingham & Butler,” “we,” “us,” or “our”) provide insurance brokerage, employee benefits, and risk management services. This Privacy Policy explains how we collect, use, disclose, and protect information collected through our website, www.cottinghambutler.com (the “Site”). 1. Information We Collect Information you provide. When you contact us, request a quote or consultation, subscribe to communications, or submit a form, we may collect your name, employer or company, email address, phone number, state, and details about your insurance or coverage interests. Information collected automatically. When you visit the Site, we and our service providers collect device and usage information through cookies and similar technologies, including IP address, browser type, pages viewed, and referring URLs. Our Site is hosted on a third-party platform and includes embedded content such as videos. 2. How We Use Information We use information to respond to inquiries and requests; provide and improve our services and the Site; send communications about our services where permitted; ensure security and detect fraud; and comply with legal and regulatory obligations. 3. How We Share Information We share information with: Service providers and vendors that support our Site and operations (for example, website hosting, analytics, and IT security), under contracts that limit their use of the information to providing services to us; Insurance carriers, markets, and affiliates as needed to respond to your request and service your account; Government agencies, courts, and others as required by law or legal process. We do not sell your personal information, and we do not share or use your personal information for advertising, including cross-context behavioral or targeted advertising. 4. Cookies and Tracking Technologies Our Site uses cookies and similar technologies for essential functionality, security, and to understand and improve how the Site is used (analytics, including Google Analytics). We do not use advertising or cross-site tracking cookies. Our cookie banner allows you to accept or decline non-essential cookies before they are set. 5. Data Retention We retain information for as long as necessary to fulfill the purposes described in this policy and to meet our legal, regulatory, and contractual obligations, after which it is securely deleted or de-identified. 6. Data Security We maintain reasonable administrative, technical, and physical safeguards designed to protect the information we handle. No method of transmission over the internet or method of electronic storage is completely secure, and we cannot guarantee absolute security. 7. Your California Privacy Rights (CCPA/CPRA) California residents have the right to know and access the personal information we collect, to request deletion, to request correction, and to limit the use of sensitive personal information. Because Cottingham & Butler does not sell personal information and does not share it for cross-context behavioral advertising, we are not required to provide a “Do Not Sell or Share My Personal Information” opt-out. You may submit privacy requests as described in the “Contact Us” section below, and we will not discriminate against you for exercising your rights. 8. Children’s Privacy Our Site and services are directed to businesses and are not intended for children. We do not knowingly collect personal information from children. 9. Third-Party Links Our Site may link to third-party websites and portals, including client login and payment portals operated by others. We are not responsible for the privacy practices of those third parties, and we encourage you to review their privacy notices. 10. Changes to This Privacy Policy We may update this Privacy Policy from time to time. The “Last Updated” date above reflects the most recent changes, and material changes will be posted on this page. 11. Contact Us Cottingham & Butler, Inc. 800 Main Street, Dubuque, IA 52001 Phone: 1-800-793-5235 To submit a privacy request, please contact us using the information above.