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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 July 13, 2026 Leave of Absence Management in Trucking When an employee goes on leave, the compliance clock starts immediately. In this session, Cottingham & Butler VP of Compliance Bret McKitrick, JD breaks down the layered framework employers must navigate — from applicable law to plan documents to handbook policies — so you can handle every leave situation consistently and compliantly. 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 WEBINAR August 4, 2026 Too Good to Be True? The Truth About Captive Insurance for Trucking If you've heard the pitch on captive insurance—dividends, pricing stability, control over claims—and thought it sounded a little too good to be true, you're not alone. In a market where commercial auto premiums seem to climb without end, bold claims about captives deserve a closer look. Read More Register Now WEBINAR July 16, 2026 Mid-Year Regulatory Update Regulatory change doesn't slow down, and neither should your compliance strategy. This mid-year update recaps the most important benefits and employment law developments from the first half of 2026, plus a look ahead at what's coming and practical takeaways to help employers navigate the rest of the year. 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 July 22, 2026 Healthcare Costs Panel Discussion / Peoria, IL Rising healthcare costs affect every employer in the room, but the full picture rarely gets discussed openly. This moderated panel brings together perspectives from across the healthcare landscape - including hospital administration, health insurance carriers, physicians, and pharmacy - to give you a seat at a conversation that usually happens behind closed doors. Audience participation and open Q&A are built into the format, so come with your questions. Read More Register Now View All Events Connect with a C&B Representative Today!

IN-PERSON Better Every Day Seminar / Coralville Wednesday, July 29th | 8:00AM – 2:00PM Hyatt Regency Coralville Hotel & Conference Center 300 East 9th Street, Coralville, IA 52241 Join us at the Hyatt Regency in Coralville, IA for an engaging day where you'll gain quick-hit strategies on healthcare cost management, compensation and financial wellness, and employee retention through interactive Power Talks. The day opens and closes with powerful personal leadership sessions to help you maximize your impact at your organization. Connect with like-minded HR professionals throughout the day during networking breaks and a provided lunch and breakfast. This event is HRCI/SHRM accredited. Register today to secure your spot! July 29, 2026 8:00 AM – 2:00 PM Coralville, IA An Agenda Filled with Insight 8:00 AM – 9:00 AM | Registration, Networking, and Breakfast 9:00 AM – 10:30 AM | Keynote 1: Authentic Leadership in Action 10:30 AM -10:45 AM | Break 10:45 AM – 12:00 PM | Benefits & Business: 20-Minute Power Talks on Critical Trends For All Employers Why Financial Literacy Education Could Be the Most Valuable Benefit You Offer to Employees Misaligned Incentives: One of the Big Reasons Healthcare Costs Are Spiraling and How To Regain Control Weight Loss & Wellbeing: The Ultimate Retention Tool or A Wasted Expense? 12:00 PM – 1:00 PM | Lunch & Giveaways 1:00 PM – 2:00 PM | Keynote 2: Finding Nirvana: Do Less. Achieve More. Presenters Paul Tourville Paul T. Tourville, Partner, CASL Fallon Millerski Account Executive - HealthCheck360 Katie Bushaw Benefits Consultant - Cottingham & Butler Tammy Rogers BecomeMore Group Nicole Pfeiffer Senior Vice President, Benefits - Cottingham & Butler Nikki Goodchild VP Sales, Benefits – Cottingham & Butler Trent Tangen Assistant Vice President - HealthCheck360 Brianna Jacque Sales Executive, Benefits – Cottingham & Butler Thank You Sponsors Interested in Sponsoring? EXPLORE OPPORTUNITIES Upcoming Events WEBINAR July 13, 2026 Leave of Absence Management in Trucking When an employee goes on leave, the compliance clock starts immediately. In this session, Cottingham & Butler VP of Compliance Bret McKitrick, JD breaks down the layered framework employers must navigate — from applicable law to plan documents to handbook policies — so you can handle every leave situation consistently and compliantly. 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 WEBINAR August 4, 2026 Too Good to Be True? The Truth About Captive Insurance for Trucking If you've heard the pitch on captive insurance—dividends, pricing stability, control over claims—and thought it sounded a little too good to be true, you're not alone. In a market where commercial auto premiums seem to climb without end, bold claims about captives deserve a closer look. Read More Register Now WEBINAR July 16, 2026 Mid-Year Regulatory Update Regulatory change doesn't slow down, and neither should your compliance strategy. This mid-year update recaps the most important benefits and employment law developments from the first half of 2026, plus a look ahead at what's coming and practical takeaways to help employers navigate the rest of the year. 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 July 22, 2026 Healthcare Costs Panel Discussion / Peoria, IL Rising healthcare costs affect every employer in the room, but the full picture rarely gets discussed openly. This moderated panel brings together perspectives from across the healthcare landscape - including hospital administration, health insurance carriers, physicians, and pharmacy - to give you a seat at a conversation that usually happens behind closed doors. Audience participation and open Q&A are built into the format, so come with your questions. Read More Register Now View All Events Connect with a C&B Representative Today!

WEBINAR Safety Training That Sticks: Learning Principles in Action Tuesday, August 18th | 1-2 PM CST Safety Training That Sticks: Learning Principles in Action” hosted by SMSC Safety Consultant Austin Smith is a dynamic, instructor‑focused webinar designed to help trainers deliver safety education that truly resonates with adult learners. This session explores how to move beyond lecture‑heavy sessions and instead create training that is interactive, memorable, and impactful. Grounded in proven adult learning principles, the presentation highlights how adults learn best: through relevance, experience, problem‑solving, and hands‑on involvement. Participants will discover practical techniques for turning passive attendees into active contributors—ensuring higher retention and stronger safety performance on the job. August 18, 2026 1:00 PM VIRTUAL Learning Objectives Information Coming Soon! Your Host Austin Smith Safety Consultant – SMSC Upcoming Events WEBINAR July 13, 2026 Leave of Absence Management in Trucking When an employee goes on leave, the compliance clock starts immediately. In this session, Cottingham & Butler VP of Compliance Bret McKitrick, JD breaks down the layered framework employers must navigate — from applicable law to plan documents to handbook policies — so you can handle every leave situation consistently and compliantly. 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 WEBINAR August 4, 2026 Too Good to Be True? The Truth About Captive Insurance for Trucking If you've heard the pitch on captive insurance—dividends, pricing stability, control over claims—and thought it sounded a little too good to be true, you're not alone. In a market where commercial auto premiums seem to climb without end, bold claims about captives deserve a closer look. Read More Register Now WEBINAR July 16, 2026 Mid-Year Regulatory Update Regulatory change doesn't slow down, and neither should your compliance strategy. This mid-year update recaps the most important benefits and employment law developments from the first half of 2026, plus a look ahead at what's coming and practical takeaways to help employers navigate the rest of the year. 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 July 22, 2026 Healthcare Costs Panel Discussion / Peoria, IL Rising healthcare costs affect every employer in the room, but the full picture rarely gets discussed openly. This moderated panel brings together perspectives from across the healthcare landscape - including hospital administration, health insurance carriers, physicians, and pharmacy - to give you a seat at a conversation that usually happens behind closed doors. Audience participation and open Q&A are built into the format, so come with your questions. Read More Register Now View All Events Connect with a C&B Representative Today!

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We recognize the distinctive insurance needs faced by independent contractors and the motor carriers they serve. With our specialized expertise and extensive industry experience, we're dedicated to being your trusted partner as your business expands, offering adaptable insurance options crafted to mitigate accidents and minimize expenses. Independent Contractor Insurance Solutions Elevating your independent contractor program with tailored solutions for enhanced protection and peace of mind. CONNECT WITH OUR TEAM We recognize the distinctive insurance needs faced by independent contractors and the motor carriers they serve. With our specialized expertise and extensive industry experience, we're dedicated to being your trusted partner as your business expands, offering adaptable insurance options crafted to mitigate accidents and minimize expenses. Our Approach Our Independent Contractor Assessment thoroughly evaluates both insurable and non-insurable risk factors inherent in independent contractor operations. The Independent Contractor RMA focuses on 3 main areas and encompasses over 130 points of exposure: Insurance Perform thorough policy reviews, conduct gap analysis, and facilitate placement of coverage. Administration Efficiently manage & review insurance files, streamline online enrollment, certificates, and settlement deduction integration, along with certificate management for non-settlement participants. Legal & Compliance Conduct lease contract audits and fleet state exposure analyses by transportation-specific attorneys. Independent Contractor Risk Scorecard Discover your contractor risk exposure using our Independent Contractor Risk Scorecard. Identify gaps, consequences, and solutions to mitigate risks, including: Avoiding severe federal and state fines and penalties for misclassifying drivers Eliminating Workers' Compensation 1099 premium audit Reducing contractor bad debt Alleviating costly class action lawsuits from independent contractors Attracting and retain independent contractors with competitive insurance programs GET STARTED – TAKE THE ASSESSMENT NOW Exclusive Program: Independent Driver Solutions (IDS) Cottingham & Butler’s Independent Driver program provides flexible insurance options that independent drivers need from a partner they can trust. Flexible Options with Comprehensive Protection: Occupational Accident Workers Compensation Physical Damage Contract Liability Non Trucking Liability LEARN MORE Independent Contractor Insights Helping Brokers Identify Small Fleets Cottingham & Butler works with owner-operators and small fleets every day, helping them strengthen the safety, insurance, and operational areas that matter most to brokers and shippers. Learn what makes a carrier stand out — and how proper coverage plays a role in winning freight opportunities. Articles Owner-Operator & Small Fleet: Strategic Insurance Approaches for Growth Learn how different insurance strategies can drive growth for operations of all sizes. Articles On-Demand | CVSA Brake Check: Insider Tips and Tricks CVSA’s Operation Airbrake Program's next scheduled campaign will occur from August 25-31, 2024. In 2023, 18,875 commercial motor vehicles... Articles VIEW MORE IC Team Connect with our Independent Contractor Team Today

WEBINAR FMCSA HOS Exceptions & Operational Flexibility Tuesday, July 14th | 1-2 PM CST In an ideal world, how much easier would fleet management be? Drivers' loads would align seamlessly with available driving hours, parking availability would consistently match HOS limitations, and drivers would arrive back home every Friday night like clockwork. However, the realities of modern trucking operations present constant challenges that require comprehensive knowledge of Hours of Service (HOS) regulations and exceptions. Join Joshua Anderson in this webinar as we examine strategies for carriers and drivers to navigate regulatory compliance effectively within the complexities of real-world operations. July 14, 2026 1:00 PM VIRTUAL Learning Objectives By the end of this webinar, participants will be able to: Describe the key provisions and eligibility criteria for major FMCSA HOS exceptions, including Short-Haul, Adverse Driving Conditions, Split Sleeper Berth, Agricultural Operations, Oilfield Operations, and Emergency Declarations. Differentiate between each HOS exception by identifying when and how each rule applies in real-world transportation scenarios. Apply HOS exception rules to compliance situations by evaluating sample driver logs or case scenarios for proper use of each exception. Recognize common compliance risks and violations associated with misuse or misunderstanding of HOS exceptions. Determine appropriate documentation and recordkeeping requirements needed to support the use of each HOS exception during audits or roadside inspections. Your Host Joshua Anderson Safety Consultant, SMSC Upcoming Events WEBINAR July 13, 2026 Leave of Absence Management in Trucking When an employee goes on leave, the compliance clock starts immediately. In this session, Cottingham & Butler VP of Compliance Bret McKitrick, JD breaks down the layered framework employers must navigate — from applicable law to plan documents to handbook policies — so you can handle every leave situation consistently and compliantly. 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 WEBINAR August 4, 2026 Too Good to Be True? The Truth About Captive Insurance for Trucking If you've heard the pitch on captive insurance—dividends, pricing stability, control over claims—and thought it sounded a little too good to be true, you're not alone. In a market where commercial auto premiums seem to climb without end, bold claims about captives deserve a closer look. Read More Register Now WEBINAR July 16, 2026 Mid-Year Regulatory Update Regulatory change doesn't slow down, and neither should your compliance strategy. This mid-year update recaps the most important benefits and employment law developments from the first half of 2026, plus a look ahead at what's coming and practical takeaways to help employers navigate the rest of the year. 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 July 22, 2026 Healthcare Costs Panel Discussion / Peoria, IL Rising healthcare costs affect every employer in the room, but the full picture rarely gets discussed openly. This moderated panel brings together perspectives from across the healthcare landscape - including hospital administration, health insurance carriers, physicians, and pharmacy - to give you a seat at a conversation that usually happens behind closed doors. Audience participation and open Q&A are built into the format, so come with your questions. 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. Reduced Pharmacy Costs by $500,000 in Just 6 Months Case Study With Cottingham & Butler's Innovative Approach Nationwide Coverage Network Expanded to national network, giving employees more provider choices at better rates 71% Reduction in Pharmacy Spend — $500,000 saved in 6 months — dropping monthly costs from $165 to $48 per-member per-month. Strategic Benefits Enhancement Reinvested savings into employee programs without increasing budget Results at a Glance The Challenge The Cottingham & Butler Approach Looking Ahead The Challenge The Challenge Benefit costs spiraling upward year after year Specialty drug claims creating unsustainable cost surge Previous provider's rigid plan design limiting options Growth plans hindered by reactive benefits approach LOCATION Minnesota SIZE ~280 Employees INDUSTRY Commercial Truck Dealership Our Approach The Cottingham & Butler Approach In-Depth Analysis & Strategy Development Utilized our exclusive Pharmacy Toolkit to collect and analyze claims data Pinpointed cost drivers with thorough proprietary Guided Pharmacy Solutions (GPS) process Benchmarked against industry standards to secure competitive edge Strategic Pharmacy Management Developed a tailored strategy, recommending the optimal combination of ControlRX and NaviCareRx programs Aggressive program management cut pharmacy costs by 71%, reducing per-member per-month (PMPM) spend from $165 to $48. Projected YTD annual savings of ~$500,000 Enhanced Clinical Oversight Applied advanced drug management strategy, reducing specialty drug costs while protecting member access Maximized patient assistance programs to lower costs for both employer and members Delivered successful clinical oversight with minimal disruption to member care Network Optimization Maximized carrier relationships to transform regional coverage into nationwide access Expanded access to care for employees, doubling provider options without increasing costs Improved employee satisfaction through broader provider choice and improved coverage for out-of-state care "Our collaboration with Cottingham & Butler has been transformative. Not only did we achieve substantial cost savings—nearly half a million dollars in just six months—but we've also significantly improved our employee benefits package." Rihm Kenworth Contact Could We Do the Same for Your Business? Contact Us! Looking for More Cost Saving Strategies? 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. DOWNLOAD THE GUIDE

More than 2,500 trucking companies nationwide depend on Cottingham & Butler for their insurance needs. Get a quote today from the #1 commercial truck insurer. Get a quote with the top commercial truck insurer. CONNECT WITH OUR TEAM More than 2,500 trucking companies nationwide depend on Cottingham & Butler for their insurance needs. Get a quote now! >> Why Choose Cottingham & Butler? Dependable Coverage Our policies are customizable, allowing you to choose the coverages that best suit your business. We specialize in trucking, which gives you the peace of mind knowing both you and your trucks are protected on and off the road. Affordable Rates Are you looking for affordable insurance but worried about sacrificing quality and service? We’ll help you compare insurance rates to find you the most affordable premiums and work hard to ensure ‘cheap’ only describes your rates, not the quality of service. Quality Service You have loads to manage, so let us handle the insurance. With Cottingham & Butler, you’ll be backed by the trucking industry’s best customer support team. Our clients also receive exclusive access to the latest industry news, valuable safety support and responsive, friendly and experienced service representatives. Trucking Expertise We know trucking. Having been in business since 1987, we now serve over 2500 trucking companies of every size and from coast to coast. You can rest assured that we have the experience, reliability and strength to navigate today’s challenging commercial insurance market. Trucking Get a Quote Contact Contact our Trucking Experts 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 Variable Pay Plan Interest in Low Wage Growth Environments In part two of our Compensation & Total Rewards Trends series, Matt Shefchik, who leads Total Rewards Consulting at Cottingham & Butler, dives into variable pay plans and why they're gaining traction in today's low wage growth environment. On-Demand Compliance Webinars – On-Demand Library Our 2026 Compliance On-Demand Series is designed to keep you informed, prepared, and confident heading into every quarter. News 2026 Compensation Trends: Pay Budgets, Salary Structures, and What to Watch In Part 1 of our three-part compensation and total rewards series, Matt Shefchik, AVP of Total Rewards Consulting at Cottingham & Butler, breaks down the salary planning data shaping pay decisions in 2026. Articles VIEW MORE Employee Benefits Connect with our Employee Benefits Team

WEBINAR Mid-Year Regulatory Update Thursday, July 16 | 2:00 PM CST Register Now! Each person who plans to attend the webinar should complete this registration form. Regulatory change doesn't slow down, and neither should your compliance strategy. This mid-year update recaps the most important benefits and employment law developments from the first half of 2026, plus a look ahead at what's coming and practical takeaways to help employers navigate the rest of the year. July 16, 2026 2:00 PM CST VIRTUAL Learning Objectives By the end of this webinar, participants will be able to: Identify key benefits and employment law changes from the first half of 2026 Anticipate upcoming regulatory developments that may affect benefit programs Apply practical strategies to maintain compliance through year-end Brought to you by our partners at Assurex Global Upcoming Events WEBINAR July 13, 2026 Leave of Absence Management in Trucking When an employee goes on leave, the compliance clock starts immediately. In this session, Cottingham & Butler VP of Compliance Bret McKitrick, JD breaks down the layered framework employers must navigate — from applicable law to plan documents to handbook policies — so you can handle every leave situation consistently and compliantly. 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 WEBINAR August 4, 2026 Too Good to Be True? The Truth About Captive Insurance for Trucking If you've heard the pitch on captive insurance—dividends, pricing stability, control over claims—and thought it sounded a little too good to be true, you're not alone. In a market where commercial auto premiums seem to climb without end, bold claims about captives deserve a closer look. Read More Register Now WEBINAR July 16, 2026 Mid-Year Regulatory Update Regulatory change doesn't slow down, and neither should your compliance strategy. This mid-year update recaps the most important benefits and employment law developments from the first half of 2026, plus a look ahead at what's coming and practical takeaways to help employers navigate the rest of the year. 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 July 22, 2026 Healthcare Costs Panel Discussion / Peoria, IL Rising healthcare costs affect every employer in the room, but the full picture rarely gets discussed openly. This moderated panel brings together perspectives from across the healthcare landscape - including hospital administration, health insurance carriers, physicians, and pharmacy - to give you a seat at a conversation that usually happens behind closed doors. Audience participation and open Q&A are built into the format, so come with your questions. Read More Register Now View All Events Connect with a C&B Representative Today!

We help clients lower their total cost of risk by challenging the status quo, solving complex business problems and delivering creative insurance solutions. Our technical expertise and proprietary programs, combined with our commitment to client service is the foundation of the value we bring to our clients every day. IN-PERSON July 9, 2026 Better Every Day Seminar / Oak Brook Register Now! Register Now! WEBINAR July 13, 2026 Leave of Absence Management in Trucking Register Now! Register Now! WEBINAR July 14, 2026 FMCSA HOS Exceptions & Operational Flexibility Register Now! Register Now! WEBINAR July 16, 2026 Mid-Year Regulatory Update Register Now! Register Now! IN-PERSON July 22, 2026 Healthcare Costs Panel Discussion / Peoria, IL Register Now! Register Now! IN-PERSON July 29, 2026 Better Every Day Seminar / Coralville Register Now! Register Now! WEBINAR August 4, 2026 Too Good to Be True? The Truth About Captive Insurance for Trucking Register Now! Register Now! IN-PERSON August 6, 2026 Better Every Day Seminar / Green Bay Register Now! Register Now! WEBINAR August 18, 2026 Safety Training That Sticks: Learning Principles in Action Register Now! Register Now! WEBINAR August 20, 2026 HSAs vs. FSAs vs. HRAs Register Now! Register Now! IN-PERSON August 26-27, 2026 2026 Transportation Summit Register Now! Register Now! WEBINAR September 15, 2026 Securing the Scene: Best Practices After a Collision Register Now! Register Now! WEBINAR SERIES September 24, 2026 Open Enrollment – Renewal Checklist Register Now! Register Now! WEBINAR October 22, 2026 The Impact of Drugs & Alcohol in Trucking Register Now! Register Now! WEBINAR November 17, 2026 Mastering HOS & PC Rules: Split-Sleeper in Action Register Now! Register Now! WEBINAR December 16, 2026 OSHA Recordkeeping & ITA Compliance Register Now! Register Now!

We help clients lower their total cost of risk by challenging the status quo, solving complex business problems, and delivering creative insurance solutions. Property & Casualty Insurance Risk Solutions We help clients lower their total cost of risk by challenging the status quo, solving complex business problems and delivering creative insurance solutions. Our technical expertise and proprietary programs, combined with our commitment to client service, are the foundation of the value we bring to our clients every day. Imagine a future where risk is not just managed, but confidently understood. We’ve found that most insurance programs provide a limited view of your total risk landscape. Wouldn’t it be nice to see the whole picture? The Cottingham & Butler Risk Management Assessment is a proprietary, deep-dive analysis that explores each client’s unique risks and uncovers gaps that are often missed in the normal insurance process. CONNECT WITH OUR TEAM TO LEARN MORE Client Solutions Empowering businesses with comprehensive solutions to navigate risk and achieve long-term success. Insurance & Consulting Captives & Programs Safety & Loss Prevention Claims Management Featured Expertise The Captive Advantage Tired of rising insurance costs and limited control? You're not alone. Many leading companies are turning to captive programs to: Reduce costs : Gain greater control over your risk and potentially achieve significant savings. Run a safer company : Proactive risk management programs within captives can lead to fewer claims and improved safety culture. Control over claims : Have a say in the claims process and work with a team that truly understands your risk profile and expectations. SEE IF A CAPTIVE IS RIGHT FOR YOU One Hack Away From Disaster? Cyber attacks are a constant threat, regardless of industry or size. According to IBM's 2023 Cost of a Data Breach Report, the average cost of a data breach for businesses is a staggering $2.6 million. Can your business afford these significant financial repercussions? A single cyber attack can trigger a serious domino effect, crippling your daily operations, breaking customer trust, and exposing your organization to large fines and legal repercussions. Don't wait for a disaster to strike. Secure your future, today. COMPLETE YOUR FREE CYBER RISK ASSESSMENT Client Impact Story Discover How One Client Achieved a 28% Reduction in Property Premiums, Saving $675,000 Without Sacrificing Coverage VIEW CLIENT CASE STUDY Insight & Impact 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. Case Studies 2026 Property Market Update: Are We Approaching the Bottom? Six months ago, we entered 2026 expecting a favorable property insurance environment driven by abundant capacity, healthy reinsurer balance sheets, and increasing competition among carriers. Articles 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 VIEW MORE PC Contact Us Connect with our Property & Casualty Team