Our cost management strategies integrate analytics, alternative funding methods, and forward-thinking claim management to minimize expenses and maintain the value of your investments. Cost Management Reducing Costs While Maintaining Value CONNECT WITH OUR TEAM 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. We align employee benefit programs with your financial goals by analyzing market trends and usage patterns. Together, we identify cost-saving opportunities and assemble expert teams to enhance your financial success beyond insurance premiums, offering the comprehensive tools and resources required for overall cost reduction. We believe in going beyond traditional approaches. Our cost management strategies focus on minimizing expenses while ensuring your insurance investments retain their value. We integrate analytics, alternative funding methods, and forward-thinking claim management to optimize your benefits. Analytics: Empowering Informed Decisions Using advanced analytics, our team works to understand your specific needs, calculating cost-saving strategies and working with you to put effective solutions in place. Alternative Funding: Our Belief in Buying Less Insurance We adopt a forward-thinking approach, challenging the conventional idea of excessive insurance. Our specialists analyze your requirements and recommend alternative funding models that allow you to achieve comprehensive coverage while reducing unnecessary expenses. Claim Management: Innovative Risk Transfer, Reduction, and Mitigation Strategies Innovative risk management isn't just about handling claims; it's about understanding your risk profile and proactively mitigating it. Our strategies encompass pharmacy, wellness, and more, ensuring your risk is managed efficiently and cost-effectively. Financial Reporting: Measuring Success and Managing Financials Transparent and effective cost management are key aspects of our service. We provide comprehensive financial reporting that helps you measure the success of your insurance program and make informed decisions to optimize your financial resources. $280+ MILLION IN DIVIDENDS RETURNED TO MEMBERS Discover the Guide Re Captive Advantage – Your Path to Control & Savings Experience insurance like never before— where you're in control. Manage your healthcare spend, collaborate with like-minded businesses, gain more stable risk-sharing, and reap the potential return of underwriting profits. With expert advice and exclusive analytics, a new era of insurance awaits. VISIT OUR STOP LOSS CAPTIVE HUB Featured Expertise Pharmacy Benefits Management to Save on Rx Costs Drug prices skyrocketed by 13.5% in the last year alone! We have the expertise employers need to trim down those pharmacy costs, while making certain your employees have access to the vital medications they need. Considering a Shift? Exploring Self-Insured Health Plans and Captives Tired of rising healthcare costs? Moving to a self-funded health plan can provide employers with greater transparency into healthcare costs and the potential for substantial cost savings. Assess your readiness and explore the advantages of transitioning to a self-insured health plan or stop-loss captive arrangement. Receive a pharmacy benefits program assessment EXPLORE HEALTH PLAN FUNDING OPTIONS 5 Proven Strategies Every Employer Needs to Know Did you know that the average cost of family health coverage in the U.S. is a staggering $31,000 per year? That's nearly half of the typical household income. We've compiled five of the most impactful considerations your company can make to save on health coverage costs while providing exceptional benefits plans for your employees. GET YOUR FREE HEALTHCARE COST SAVINGS GUIDE Your Data At Your Fingertips CONTACT US TO SCHEDULE A DEMO Effortlessly analyze benefits performance, visualize insights, and tailor plan parameters for your members without needing external IT support or consultants. Our tools seamlessly integrate data, empowering informed decisions to enhance your benefits program, optimize costs, and improve employee health outcomes. Secure & Centralized Healthcare Data Customizable On-Demand Reporting & Dashboards Milliman Predictive Member Risk Indexing Quantros Provider Quality Scoring Medicare Cost Equivalent Provider Price Comparisons Population Gaps in Care Enhanced Claims Benchmarking – including National, Regional, and Industry Cost Management Insights Misaligned Financial Incentives Healthcare costs continue to climb, but the root causes are often misunderstood. This video explains how key players in the system - from insurers to drug manufacturers- are financially incentivized by higher spend, not better outcomes. On-Demand Fuel Efficiency Best Practices for Fleets Discover proven strategies to reduce fleet fuel costs by up to 35%. Learn driver training, route optimization, maintenance tips and telematics solutions that cut expenses and boost efficiency for transportation fleets. Articles The Benefits Brief | Micro-Strategy Sessions Access recorded Benefits Brief Micro-Strategy Sessions with BJ McAndrew - 15-minute expert insights on healthcare cost management for CFOs and HR leaders. Topics include eligibility management, pharmacy spend, and cost-effective provider strategies. On-Demand VIEW MORE Cost Management Connect with our Cost-Saving Experts Today!

Whether you're an owner-operator or manage a national fleet, safeguarding your drivers, trucks, and cargo is critical for success. Transportation Industry Our team’s in-depth understanding of the transportation industry ensures personalized risk management and insurance solutions that deliver tangible results for our clients. SEE HOW OUR EXPERTISE CAN SAFEGUARD YOUR FLEET The most effective and thoughtful insurance broker in the country. Whether you're an owner-operator or manage a national fleet, safeguarding your drivers, trucks, and cargo is critical for success. Entrust your insurance needs to a broker who knows trucking inside and out and is dedicated to delivering exceptional client service. Ready to take your trucking operation to the next level? Join us at the 2026 Transportation Summit! August 26-27, 2026 / Schuamburg, IL SAVE YOUR SEAT TODAY! Cottingham & Butler Knows Trucking Introducing Tailored Coverage Solutions designed specifically for the unique needs of trucking operations. Auto Liability Non-Trucking Liability Cargo Physical Damage General Liability Workers’ Compensation Umbrella Excess Alternative Risk Independent Contractor Cyber Employee Benefits Connect with our team of transportation experts today! Fleet Safety Early data for 2024 indicates a troubling trend: large truck crash fatalities are on the rise. This translates not only to human tragedy but is also costing our industry billions each year. But even minor accidents can significantly disrupt your operations and erode profitability. Cottingham & Butler's in-house safety team is here to help you navigate these challenges. Safety program analysis & benchmarking Driver Risk Evaluation Loss Analysis & Risk Improvement Plans Driver & Management Training Tools Safety Culture Consulting Expert Mock Simulations KEEP YOUR SAFETY PROGRAM PROACTIVE! Claims Advocacy & Management Did you know the average cost of a large truck liability claim in the US is $179,000? With poorly managed claims posing significant financial risks, trust Cottingham & Butler's in-house claims team to be your advocate. Leveraging our deep understanding of the trucking industry, we're committed to delivering superior claims results. Serving guaranteed cost, large deductible, captive insurance, and self-insured clients In-house claims advocacy team Dedicated adjuster model Industry-leading claims technology and reporting In-house Nurse Case Management Sensible reserves based on claim assessment, not worst-case scenarios or historical averages LEARN MORE Captives & Alternative Risk For over 30 years, Cottingham & Butler has been a leader in the trucking industry, pioneering the use of captive insurance programs. We currently manage some of the world's largest group trucking captives, empowering industry leaders like yourself to unlock the true potential of your insurance spend. 8 Member-owned group trucking captives Over $330 Million in dividends returned to clients 99% Captive Member Retention Dedicated loss control and claims management LEARN MORE Independent Contractor Insurance Solutions We get the unique insurance needs of independent contractors and the trucking companies they are leased to. You can count on us as your partner for business growth, providing flexible insurance solutions to minimize risk and lower costs. Proprietary Risk Scorecard and Assessment Comprehensive Protection – Occupational Accident, Physical Damage, Non-Trucking Liability Independent Driver Solutions Drive & Tow Away Program LEARN MORE Small Fleets Owner-operators and small fleets face the same regulatory and insurance scrutiny as large carriers, often without the resources to navigate it. Our inside sales team was built specifically for 1–10 unit operations, helping you get properly covered, fast and without the friction. Fast Certificate Turnaround Cargo & Liability Exposure Review Coverage Gap Analysis New Venture & Growing Fleet Support LEARN MORE Benefits Solutions Through proven cost control strategies, new clients typically unlock 15-25% savings compared to their prior benefit strategy, often while enhancing their benefits package. With a deep understanding of the transportation sector, our expert consultants offer innovative and flexible benefit plans designed to increase employee satisfaction, attract top talent, and improve retention rates. Transportation-Specific Plan Design & Strategies Integrated Claims and Benefits Administration Compliance & HR Consulting Wellness Solutions Program Analysis and Benchmarking LEARN MORE Leading the way in trucking insurance for over 30 years. 300+ Dedicated Transportation Professionals 2,300+ Trucking Clients Across the U.S. $1B Transportation Premium Placed An industry in constant motion, demands high performance and flawless execution. See how our clients are running safer fleets, lowering claims and becoming more profitable. VIEW CASE STUDIES TO SEE OUR CLIENT IMPACT Transportation Insight & Impact 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 Transportation Plan for the Claim Before It Happens: A Conversation with Rob Moseley A freight claim isn't decided the day the accident happens. It's decided months earlier, in the contracts and conversations most carriers skip. Transportation attorney Rob Moseley breaks down what to put in place before you need it. Articles FMCSA HOS Exceptions & Operational Flexibility The realities of modern trucking operations present constant challenges that require comprehensive knowledge of Hours of Service (HOS) regulations and exceptions. Our most recent webinar, "FMCSA HOS Exceptions & Operational Flexibility," hosted by SMSC Safety Consultant Joshua Anderson examined strategies for carriers and drivers to navigate regulatory compliance effectively within the complexities of real-world operations. On-Demand VIEW MORE Contact Us Connect with a Transportation Expert!

WEBINAR OSHA Recordkeeping & ITA Compliance Wednesday, December 16th | 1-2 PM CST 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. December 16, 2026 1:00 PM VIRTUAL Learning Objectives Information Coming Soon! Your Host TJ Greenwood Manager – Safety Management Services Company Upcoming Events WEBINAR September 1, 2026 Emerging Risks Facing the Ready Mix Industry Insurance is one of the largest expenses for the ready mix industry, and the pressure is not easing. Liability costs keep climbing, large claims tied to concrete performance often fall outside a general liability policy, and nuclear verdicts fueled by third party litigation funding are pushing settlements past what most operators have budgeted for. Join Cottingham & Butler for a look at the exposures reshaping the ready mix industry, where the marketplace is heading, and the specific coverage and risk control moves producers are making to protect their bottom line. Built for owners, CEOs, CFOs, and risk leaders who want a clear read on where their exposure sits and what to do about it. Read More Register Now WEBINAR SERIES September 24, 2026 Open Enrollment – Renewal Checklist Open enrollment season comes with a long to-do list — this webinar helps you work through it with confidence. We'll walk through key tasks from plan review and employee communications to system updates and post-enrollment audits, plus a regulatory and legislative update on recent changes that may impact your 2027 offerings and year-end compliance items to help you close out the year strong. 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 August 20, 2026 HSAs vs. FSAs vs. HRAs Choosing the right account-based benefit strategy requires understanding how HSAs, HRAs, and FSAs truly compare. This webinar breaks down the similarities and key differences among these plans — including eligibility, funding rules, tax treatment, and portability — and explores how employers can strategically leverage each option to support workforce needs while staying compliant. Read More Register Now IN-PERSON September 15-18, 2026 NATMI Training & Certification According to NATMI, recipients who enrolled in a NATMI training and certification lowered their organization's accident rate by 86%, achieved a lower occupational injury rate by 83%, and controlled costs associated with accident litigation by 100%. The cost of participating in NATMI is minimal compared to the company’s day-to-day operational savings. The Certified Director of Safety (CDS)/Certified Safety Supervisor (CSS) course is designed to help safety personnel attain a greater professional knowledge base that should, in turn, provide greater confidence to improve operations, prevent and control injury and damage, as well as the ability to provide strong representation such as during a court case. Read More Register Now IN-PERSON August 26-27, 2026 2026 Transportation Summit The Cottingham & Butler Transportation Summit brings together over 550 trucking executives for two days of high-impact networking and insights designed to drive your business forward. Join us August 26-27, 2026 in Schaumburg, IL to discover cutting-edge strategies, connect with industry leaders, and gain proven frameworks that will help you go ALL IN and drive measurable growth. Read More Register Now View All Events Connect with a C&B Representative Today!

Since 1887, our promise has been simple: Better Every Day. We're dedicated to providing our clients with superior advice, service, and innovative ideas, surpassing our competitors consistently. This approach has produced superior results and a growth track record that has propelled us to the 3rd largest privately and independently held brokerage in the country. Your Trusted Insurance Partner Since 1887, our promise has been simple: Better Every Day. WATCH OUR STORY It's not just a slogan, it's a relentless drive to push boundaries, ignite innovation, and deliver superior results for our clients. We're not content with the status quo. We challenge conventional thinking, embrace fresh ideas, and constantly refine how we serve you. This unwavering commitment has fueled exceptional growth, propelling us to become the 3rd largest privately held brokerage in the country. 3rd largest privately and independently held insurance broker 135+ years of service 1887 established At Cottingham & Butler, our mission is simple, yet sincere... To partner with our clients, to protect their most valuable assets, and to build an exceptional company of passionate insurance professionals. Delivering Excellence, Building Trust Our core values form the bedrock of our culture, defining how we do business. Integrity It's the cornerstone of every action we take. Transparency We always tell the truth and keep our commitments. Respect We imbue every interaction with dignity and respect. Client-Centric Focus We understand and serve our clients' long-term best interests as if they were our own. Our Visionary Leaders Andrew Butler, Executive Chairperson Andrew leads Cottingham & Butler with a strategic vision, driving prosperity, growth, and cultivating employee development. His commitment to delivering exceptional services to our clients and establishing respected industry partnerships underscores our constant pursuit of excellence. Read Full Bio > David Becker, CEO As CEO, David uses his extensive experience in business strategy and growth to lead the overall operations of Cottingham & Butler and its subsidiaries. His leadership ensures that our clients consistently receive superior service and innovative solutions, embodying our dedication to excellence. Read Full Bio > Mike Hessling, President As President, Mike focuses on strengthening our operations and positioning Cottingham & Butler for continued growth. His leadership supports the delivery of exceptional client service while fostering an environment where talented professionals build meaningful careers. Read Full Bio > John E. Butler, Chairperson In his role as Chairperson, John focuses on propelling our company's robust growth and advancing the development of our industry. His visionary initiatives shape our strategic direction, emphasizing innovation and reinforcing our position as industry leaders. Read Full Bio > Reaching You, Wherever You Are Strategically positioned across the U.S. with a team of over 1,300 professionals, we take pride in guaranteeing accessibility to every client. Our ongoing efforts to extend our reach emphasizes our commitment to providing best-in-class service. CB History Video Our History From a humble single storefront nestled on the banks of the Mississippi in 1887 to a national powerhouse, Cottingham & Butler's story is one of family, resilience, and unwavering dedication to client service. Through generations, we've grown alongside our clients, adapting to challenges, and pioneering new solutions. MAKE HISTORY WITH US. About Page Contact Us Reach out today, and let's work together to secure your future

WEBINAR The Impact of Drugs & Alcohol in Trucking Thursday, October 22nd | 1-2 PM CST Substance abuse in the trucking industry poses serious risks—not only to drivers, but to public safety, company reputation, and regulatory compliance. This webinar explores the far-reaching impact of drugs and alcohol on commercial driving performance. SMSC Senior Safety Consultant Anne-Marie Naples will help participants gain a clear understanding of DOT regulations and testing protocols. October 22, 2026 1:00 PM VIRTUAL Learning Objectives Information Coming Soon! Your Host Anne-Marie Naples Sr. Safety Consultant – Safety Management Services Company Upcoming Events WEBINAR September 1, 2026 Emerging Risks Facing the Ready Mix Industry Insurance is one of the largest expenses for the ready mix industry, and the pressure is not easing. Liability costs keep climbing, large claims tied to concrete performance often fall outside a general liability policy, and nuclear verdicts fueled by third party litigation funding are pushing settlements past what most operators have budgeted for. Join Cottingham & Butler for a look at the exposures reshaping the ready mix industry, where the marketplace is heading, and the specific coverage and risk control moves producers are making to protect their bottom line. Built for owners, CEOs, CFOs, and risk leaders who want a clear read on where their exposure sits and what to do about it. Read More Register Now WEBINAR SERIES September 24, 2026 Open Enrollment – Renewal Checklist Open enrollment season comes with a long to-do list — this webinar helps you work through it with confidence. We'll walk through key tasks from plan review and employee communications to system updates and post-enrollment audits, plus a regulatory and legislative update on recent changes that may impact your 2027 offerings and year-end compliance items to help you close out the year strong. 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 August 20, 2026 HSAs vs. FSAs vs. HRAs Choosing the right account-based benefit strategy requires understanding how HSAs, HRAs, and FSAs truly compare. This webinar breaks down the similarities and key differences among these plans — including eligibility, funding rules, tax treatment, and portability — and explores how employers can strategically leverage each option to support workforce needs while staying compliant. Read More Register Now IN-PERSON September 15-18, 2026 NATMI Training & Certification According to NATMI, recipients who enrolled in a NATMI training and certification lowered their organization's accident rate by 86%, achieved a lower occupational injury rate by 83%, and controlled costs associated with accident litigation by 100%. The cost of participating in NATMI is minimal compared to the company’s day-to-day operational savings. The Certified Director of Safety (CDS)/Certified Safety Supervisor (CSS) course is designed to help safety personnel attain a greater professional knowledge base that should, in turn, provide greater confidence to improve operations, prevent and control injury and damage, as well as the ability to provide strong representation such as during a court case. Read More Register Now IN-PERSON August 26-27, 2026 2026 Transportation Summit The Cottingham & Butler Transportation Summit brings together over 550 trucking executives for two days of high-impact networking and insights designed to drive your business forward. Join us August 26-27, 2026 in Schaumburg, IL to discover cutting-edge strategies, connect with industry leaders, and gain proven frameworks that will help you go ALL IN and drive measurable growth. Read More Register Now View All Events Connect with a C&B Representative Today!

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 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. Case Studies 2026 Open Enrollment Checklist | At a Glance A quick-reference summary of key compliance changes employers should confirm before the 2026 plan year — inflation-adjusted limits, plan design updates, and required participant notices. Articles Affordability of Benefits & Impact to Compensation Benefit costs are rising two to three times faster than inflation, and that's starting to throw off the balance between pay and benefits. On-Demand VIEW MORE Employee Benefits Connect with our Employee Benefits Team

WEBINAR SERIES Open Enrollment – Renewal Checklist Thursday, September 24 | 2:00 PM CST Register Now! Each person who plans to attend the webinar should complete this registration form. Open enrollment season comes with a long to-do list — this webinar helps you work through it with confidence. We'll walk through key tasks from plan review and employee communications to system updates and post-enrollment audits, plus a regulatory and legislative update on recent changes that may impact your 2027 offerings and year-end compliance items to help you close out the year strong. September 24, 2026 2:00 PM CST VIRTUAL Learning Objectives By the end of this webinar, participants will be able to: Apply a structured checklist approach to managing open enrollment tasks from plan review through post-enrollment audit Identify recent regulatory and legislative changes that may affect 2027 benefit offerings Address year-end compliance requirements to close out the plan year with confidence Brought to you by our partners at Assurex Global Upcoming Events WEBINAR September 1, 2026 Emerging Risks Facing the Ready Mix Industry Insurance is one of the largest expenses for the ready mix industry, and the pressure is not easing. Liability costs keep climbing, large claims tied to concrete performance often fall outside a general liability policy, and nuclear verdicts fueled by third party litigation funding are pushing settlements past what most operators have budgeted for. Join Cottingham & Butler for a look at the exposures reshaping the ready mix industry, where the marketplace is heading, and the specific coverage and risk control moves producers are making to protect their bottom line. Built for owners, CEOs, CFOs, and risk leaders who want a clear read on where their exposure sits and what to do about it. Read More Register Now WEBINAR SERIES September 24, 2026 Open Enrollment – Renewal Checklist Open enrollment season comes with a long to-do list — this webinar helps you work through it with confidence. We'll walk through key tasks from plan review and employee communications to system updates and post-enrollment audits, plus a regulatory and legislative update on recent changes that may impact your 2027 offerings and year-end compliance items to help you close out the year strong. 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 August 20, 2026 HSAs vs. FSAs vs. HRAs Choosing the right account-based benefit strategy requires understanding how HSAs, HRAs, and FSAs truly compare. This webinar breaks down the similarities and key differences among these plans — including eligibility, funding rules, tax treatment, and portability — and explores how employers can strategically leverage each option to support workforce needs while staying compliant. Read More Register Now IN-PERSON September 15-18, 2026 NATMI Training & Certification According to NATMI, recipients who enrolled in a NATMI training and certification lowered their organization's accident rate by 86%, achieved a lower occupational injury rate by 83%, and controlled costs associated with accident litigation by 100%. The cost of participating in NATMI is minimal compared to the company’s day-to-day operational savings. The Certified Director of Safety (CDS)/Certified Safety Supervisor (CSS) course is designed to help safety personnel attain a greater professional knowledge base that should, in turn, provide greater confidence to improve operations, prevent and control injury and damage, as well as the ability to provide strong representation such as during a court case. Read More Register Now IN-PERSON August 26-27, 2026 2026 Transportation Summit The Cottingham & Butler Transportation Summit brings together over 550 trucking executives for two days of high-impact networking and insights designed to drive your business forward. Join us August 26-27, 2026 in Schaumburg, IL to discover cutting-edge strategies, connect with industry leaders, and gain proven frameworks that will help you go ALL IN and drive measurable growth. 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 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 Transportation Plan for the Claim Before It Happens: A Conversation with Rob Moseley A freight claim isn't decided the day the accident happens. It's decided months earlier, in the contracts and conversations most carriers skip. Transportation attorney Rob Moseley breaks down what to put in place before you need it. Articles FMCSA HOS Exceptions & Operational Flexibility The realities of modern trucking operations present constant challenges that require comprehensive knowledge of Hours of Service (HOS) regulations and exceptions. Our most recent webinar, "FMCSA HOS Exceptions & Operational Flexibility," hosted by SMSC Safety Consultant Joshua Anderson examined strategies for carriers and drivers to navigate regulatory compliance effectively within the complexities of real-world operations. On-Demand 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!

IN-PERSON International Risk Management Institute Conference Happy Hour Sunday, October 25, 2026 McCormick & Schimick's 145 National Plaza, Oxon Hill, MD 20745 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. October 25, 2026 5:00-7:00 PM McCormick & Schimick's A Casual Networking Event Featuring Complimentary drinks and hors d'oeuvres Great conversations with peers and colleagues Harbor views + complimentary a ferris wheel ticket Space is limited, please RSVP by October 19th , to reserve your spot. This event is open to IRMI attendees and industry professionals. Sponsored By Upcoming Events WEBINAR September 1, 2026 Emerging Risks Facing the Ready Mix Industry Insurance is one of the largest expenses for the ready mix industry, and the pressure is not easing. Liability costs keep climbing, large claims tied to concrete performance often fall outside a general liability policy, and nuclear verdicts fueled by third party litigation funding are pushing settlements past what most operators have budgeted for. Join Cottingham & Butler for a look at the exposures reshaping the ready mix industry, where the marketplace is heading, and the specific coverage and risk control moves producers are making to protect their bottom line. Built for owners, CEOs, CFOs, and risk leaders who want a clear read on where their exposure sits and what to do about it. Read More Register Now WEBINAR SERIES September 24, 2026 Open Enrollment – Renewal Checklist Open enrollment season comes with a long to-do list — this webinar helps you work through it with confidence. We'll walk through key tasks from plan review and employee communications to system updates and post-enrollment audits, plus a regulatory and legislative update on recent changes that may impact your 2027 offerings and year-end compliance items to help you close out the year strong. 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 August 20, 2026 HSAs vs. FSAs vs. HRAs Choosing the right account-based benefit strategy requires understanding how HSAs, HRAs, and FSAs truly compare. This webinar breaks down the similarities and key differences among these plans — including eligibility, funding rules, tax treatment, and portability — and explores how employers can strategically leverage each option to support workforce needs while staying compliant. Read More Register Now IN-PERSON September 15-18, 2026 NATMI Training & Certification According to NATMI, recipients who enrolled in a NATMI training and certification lowered their organization's accident rate by 86%, achieved a lower occupational injury rate by 83%, and controlled costs associated with accident litigation by 100%. The cost of participating in NATMI is minimal compared to the company’s day-to-day operational savings. The Certified Director of Safety (CDS)/Certified Safety Supervisor (CSS) course is designed to help safety personnel attain a greater professional knowledge base that should, in turn, provide greater confidence to improve operations, prevent and control injury and damage, as well as the ability to provide strong representation such as during a court case. Read More Register Now IN-PERSON August 26-27, 2026 2026 Transportation Summit The Cottingham & Butler Transportation Summit brings together over 550 trucking executives for two days of high-impact networking and insights designed to drive your business forward. Join us August 26-27, 2026 in Schaumburg, IL to discover cutting-edge strategies, connect with industry leaders, and gain proven frameworks that will help you go ALL IN and drive measurable growth. Read More Register Now View All Events Connect with a C&B Representative 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

As the construction industry continues to grow and change, our team of construction insurance and surety specialists is here to help you understand the unique challenges facing your business. Whether you engage in residential, commercial, or municipal projects, we provide customized coverage and service solutions designed to address your specific needs. Construction Industry Cottingham & Butler provides tailored insurance solutions for the construction industry's complex and evolving risks. Don't let construction's dynamic challenges hold you back. Our construction insurance and surety experts become an extension of your team, crafting customized solutions to address your specific project risks – residential, commercial, or municipal. We provide expertise and insurance solutions to address a range of construction business exposures. Coverage Solutions Alternative risk (high deductible structure programs, captives, and risk-sharing pools) Auto Builder’s risk Contractors Professional Contractors Pollution Drone coverage Environmental risks General liability coverage Management Liability (D&O/EPL/Fiduciary/Crime) and Cyber OCIP / CCIP / Wrap-Ups Professional liability insurance Property Surety Umbrella / Excess Workers’ compensation Service Solutions Certificate review Claims advocacy and management COI Tracking Software (RMC) Contract review and insurance policy compliance Contractual risk transfer consulting Experience modification review and analysis Full suite of safety services via wholly owned safety management service company Surety Bonds Toolbox Talks / Safety Training Videos Build Smarter, Build Stronger with CSIL In today's competitive construction landscape, every edge counts. CSIL, Cottingham & Butler’s member-owned group construction captive, empowers you to take control of your insurance destiny. Discover the CSIL captive advantage Featured Expertise The World of Construction Thrives on Trust The world of construction thrives on trust. From blueprints to finished structures, the entire process relies on the commitment of various parties. But what happens when things don't go according to plan? Enter surety bonds – the unseen guarantor of project completion in the construction industry. Investing in a surety bond is an investment in project success. It minimizes financial risks, opens doors to new opportunities, and fosters a collaborative environment built on trust. At Cottingham & Butler, our team of experts helps navigate the surety bond process, securing the most competitive rates and customized solutions for your specific construction needs. EXPLORE BOND OPTIONS Don't Let Statistics Define Your Safety Culture While the construction industry is vital to our modern world, it also holds it’s inherent safety risks. According to the Bureau of Labor Statistics, construction fatalities occur at a rate of 9.6 per 100,000 workers – significantly higher than the national average. These statistics translate to real challenges – workers’ compensation claims, project delays, and increased insurance premiums all stem from a weak safety culture. The good news? A proactive safety approach dramatically reduces these risks. Cottingham & Butler offers comprehensive safety services, including risk assessments and training programs, to empower construction companies to prioritize safety. START BUILDING A SAFER WORKPLACE TODAY! Download our construction brochure to learn more about our team, risk and insurance solutions, safety services, and more! DOWNLOAD OUR CONSTRUCTION BROCHURE Contractual obligations can be complex, but when properly managed, they can help manage the risks inherent to construction contractors. As a Cottingham & Butler client, you get exclusive access to insurance coverage law attorneys, providing the contractual risk transfer guidance you need, and the peace of mind you deserve. LEARN MORE Construction Insight & Impact Key Takeaways from CFMA National: Strengthening Readiness, Relationships, and Results Cottingham and Butler recently returned from another outstanding CFMA National Conference feeling energized, grateful, and more aligned than ever with the evolving needs of the construction industry. Articles Project Delays and Cost Overruns Project delays and cost overruns are common in the construction sector, as project delivery depends on many moving parts and can be disrupted by factors such as adverse weather, economic volatility, and shifting scope and design requirements. Articles OSHA Proposes Rule to Remove Its Walking-Working Surfaces Standard Deadline OSHA recently published a proposed rule to remove the Nov. 18, 2036, deadline in its Walking-Working Surfaces standard. This standard would have required all fixed ladders extending more than 24 feet above a lower level to be equipped with personal fall arrest systems or ladder safety systems by this deadline. Articles VIEW MORE Connect with a Construction Expert!

Whether you're an owner-operator or manage a national fleet, safeguarding your drivers, trucks, and cargo is critical for success. Industry-Specific Benefits Benchmark Report COMPARE AND COMPETE In today's competitive market, having the right benefits package isn't just important—it's essential for success. Use our industry specific benchmark reports to give you detailed insights into what other companies in your industry are offering, helping you design a benefits program that attracts top talent without overspending. Enter in your company details below to claim your free report! First name Last name Email Job Title Company name Industry Submit What's Inside? This data-driven report helps you understand how your benefits program compares to market standards and identifies opportunities for enhancement. Each industry benchmark report provides a detailed analysis across eight critical areas of employee benefits: Employer Contributions & Plan Design Analysis of premium cost-sharing, funding strategies, and comparison of medical, dental, and vision plan features. Ancillary & Disability Benefits Overview of supplemental insurance (accident, critical illness, hospital indemnity) and examination of short-term and long-term disability coverage. Leave & Retirement Benefits Review of paid time off, family leave policies, and assessment of 401(k) and other retirement plan features, including employer matching. Employee Preferences & National Comparison Insights into benefit selection patterns, utilization trends, and evaluation against industry standards and national benchmarks. Contact Contact a Benefits Consultant to learn more.