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WEBINAR Navigating FMCSA Compliance Reviews Tuesday, March 17th | 1-2 PM CST Information Coming Soon! March 17, 2026 1:00 PM VIRTUAL Learning Objectives Information Coming Soon! Your Host Anne-Marie Naples Sr. Safety Consultant – Safety Management Services Company Upcoming Events IN-PERSON December 2-5, 2025 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. Register Now! Register Now! WEBINAR January 21, 2026 Cross-Border Safety: Strengthening ELP Standards and CDL Integrity Information Coming Soon! Register Now! Register Now! WEBINAR December 17, 2025 OSHA Compliance and Recordkeeping: Fine Tuning Your OSHA 300 Logs to Make a Good First Impression 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. Register Now! Register Now! WEBINAR January 22, 2026 ACA Employer Reporting As the new year begins, join us for a timely webinar on ACA employer reporting, held right in the midst of the 2025 filing season. We’ll walk through the key requirements for Forms 1094 and 1095 and highlight common pitfalls, best practices, and practical tips to ensure accurate, complete, and compliant reporting. Register Now! Register Now! WEBINAR December 18, 2025 Year-in-Review & Looking Ahead Throughout 2025, HR and employee benefits professionals have continued to navigate an evolving compliance landscape for health and welfare benefit plans. As the year draws to a close, this session will highlight the most significant compliance developments and regulatory changes that shaped 2025 and what they mean for your organization. We’ll also look ahead to 2026, previewing upcoming rules, deadlines, and trends that could impact your benefit strategies in the year to come. Whether you're wrapping up year-end compliance or planning for what’s next, this webinar will help you stay informed and prepared. Examples will be provided to help employers manage different types of common employee positions. Register Now! Register Now! WEBINAR February 10, 2026 Nuclear Verdicts: How to Protect Your Organization from Catastrophic Jury Awards Nuclear verdicts show no signs of slowing down while the financial stakes for businesses continue to escalate. Join our claims management experts on February 10th for an interactive discussion breaking down what's fueling massive jury awards and sharing proven strategies to protect your operations. Learning from real-world case studies and field-tested approaches, you'll gain practical tools and actionable steps to reduce risk exposure and build a stronger defense against nuclear verdict outcomes. Register Now! Register Now! View All Events Connect with a C&B Representative Today!

WEBINAR Understanding CSA Scores and Their Impact Tuesday, April 21st | 1-2 PM CST Information Coming Soon! April 21, 2026 1:00 PM VIRTUAL Learning Objectives Information Coming Soon! Your Host Barry Wertz Safety Consultant, SMSC Upcoming Events IN-PERSON December 2-5, 2025 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. Register Now! Register Now! WEBINAR January 21, 2026 Cross-Border Safety: Strengthening ELP Standards and CDL Integrity Information Coming Soon! Register Now! Register Now! WEBINAR December 17, 2025 OSHA Compliance and Recordkeeping: Fine Tuning Your OSHA 300 Logs to Make a Good First Impression 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. Register Now! Register Now! WEBINAR January 22, 2026 ACA Employer Reporting As the new year begins, join us for a timely webinar on ACA employer reporting, held right in the midst of the 2025 filing season. We’ll walk through the key requirements for Forms 1094 and 1095 and highlight common pitfalls, best practices, and practical tips to ensure accurate, complete, and compliant reporting. Register Now! Register Now! WEBINAR December 18, 2025 Year-in-Review & Looking Ahead Throughout 2025, HR and employee benefits professionals have continued to navigate an evolving compliance landscape for health and welfare benefit plans. As the year draws to a close, this session will highlight the most significant compliance developments and regulatory changes that shaped 2025 and what they mean for your organization. We’ll also look ahead to 2026, previewing upcoming rules, deadlines, and trends that could impact your benefit strategies in the year to come. Whether you're wrapping up year-end compliance or planning for what’s next, this webinar will help you stay informed and prepared. Examples will be provided to help employers manage different types of common employee positions. Register Now! Register Now! WEBINAR February 10, 2026 Nuclear Verdicts: How to Protect Your Organization from Catastrophic Jury Awards Nuclear verdicts show no signs of slowing down while the financial stakes for businesses continue to escalate. Join our claims management experts on February 10th for an interactive discussion breaking down what's fueling massive jury awards and sharing proven strategies to protect your operations. Learning from real-world case studies and field-tested approaches, you'll gain practical tools and actionable steps to reduce risk exposure and build a stronger defense against nuclear verdict outcomes. Register Now! Register Now! View All Events Connect with a C&B Representative Today!

WEBINAR Nuclear Verdicts: How to Protect Your Organization from Catastrophic Jury Awards Tuesday, February 10th | 11AM-12PM CST Nuclear verdicts show no signs of slowing down while the financial stakes for businesses continue to escalate. Join our claims management experts on February 10th for an interactive discussion breaking down what's fueling massive jury awards and sharing proven strategies to protect your operations. Learning from real-world case studies and field-tested approaches, you'll gain practical tools and actionable steps to reduce risk exposure and build a stronger defense against nuclear verdict outcomes. February 10, 2026 11:00 AM VIRTUAL Key Takeaways: Recognize the primary drivers behind nuclear verdicts and pinpoint potential risk areas in your own operations. Apply proactive safeguards that reduce your organization's vulnerability to excessive jury awards. Develop strategic response protocols to minimize exposure when facing high stakes claims. Your Hosts Adam Rathje Senior VP - CBCS Jeremy Goodall Claims Manager - CBCS Upcoming Events IN-PERSON December 2-5, 2025 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. Register Now! Register Now! WEBINAR January 21, 2026 Cross-Border Safety: Strengthening ELP Standards and CDL Integrity Information Coming Soon! Register Now! Register Now! WEBINAR December 17, 2025 OSHA Compliance and Recordkeeping: Fine Tuning Your OSHA 300 Logs to Make a Good First Impression 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. Register Now! Register Now! WEBINAR February 10, 2026 Nuclear Verdicts: How to Protect Your Organization from Catastrophic Jury Awards Nuclear verdicts show no signs of slowing down while the financial stakes for businesses continue to escalate. Join our claims management experts on February 10th for an interactive discussion breaking down what's fueling massive jury awards and sharing proven strategies to protect your operations. Learning from real-world case studies and field-tested approaches, you'll gain practical tools and actionable steps to reduce risk exposure and build a stronger defense against nuclear verdict outcomes. Register Now! Register Now! WEBINAR December 18, 2025 Year-in-Review & Looking Ahead Throughout 2025, HR and employee benefits professionals have continued to navigate an evolving compliance landscape for health and welfare benefit plans. As the year draws to a close, this session will highlight the most significant compliance developments and regulatory changes that shaped 2025 and what they mean for your organization. We’ll also look ahead to 2026, previewing upcoming rules, deadlines, and trends that could impact your benefit strategies in the year to come. Whether you're wrapping up year-end compliance or planning for what’s next, this webinar will help you stay informed and prepared. Examples will be provided to help employers manage different types of common employee positions. Register Now! Register Now! WEBINAR February 18, 2026 Building a Safer Workplace: Reducing Workplace Injuries and Workers Compensation Claims for Drivers Information Coming Soon! Register Now! 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. Sponsorship Opportunities Join us in our mission to transform employee benefits and make a lasting impact on the workforce of tomorrow. BECOME A SPONSOR Cottingham & Butler invites you to engage with industry leaders at our event in 2026. As a sponsor, you'll be part of events that cut through the noise of traditional industry conferences. We've moved beyond flashy gimmicks to create meaningful spaces for genuine dialogue, knowledge sharing, and business growth, all focused on tackling the industry's most pressing challenges. Explore 2026 Opportunities Seminars > CEO Summit > Transportation Summit > Team Building > Benefits Seminars Benefits Seminars Dallas, TX | Pewaukee WI | Des Moines IA | Oak Brook, IL | Minneapolis, MN | Coralville, IA | Green Bay, WI Our events offer unmatched networking opportunities and exposure to the latest trends in employee benefits. These signature events feature keynote speakers, comprehensive programming, and exclusive networking opportunities. We experienced over 600+ attendees at our events last year. SPONSOR THIS EVENT > CEO Summit CEO Summit Client Event | May 2026 Our CEO Summit brings together invitation-only executives who control significant budgets and drive strategic partnerships. These aren't just attendees—they're the leaders who built industry-defining companies and make purchasing decisions without asking permission. SPONSOR THIS EVENT > Transportation Summit Transportation Summit Chicago IL | August 26–27 The Transportation Summit stands as a cornerstone industry event, attracting over 500 transportation leaders from 25+ states, with 80% being motor carrier owners and senior executives. The summit brings together key decision-makers and innovators who are shaping the future of transportation. SPONSOR THIS EVENT > Team Building Events Team Building Events Occurring Throughout 2026 Become a valued sponsor and also join us in attendance at one of our series of team-building and camaraderie events throughout 2026! All events will also include a dedicated time for you to address the team, as well as be recognized by senior leadership outlining our strong partnership together. Large events generally encompass the entire C&B Benefits team of over 170 teammates and are hosted in Dubuque, IA. Smaller events generally encompass regional events for those teams of 10-50 teammates depending on event (Madison, Chicago, Des Moines). Once you select your interest level, we will outreach and coordinate an event together that fits your interest and schedule. SPONSOR AN EVENT > CEO Summit Transportation Summit Benefits Seminars Team Building Events

Our claims professionals are cost-conscious advocates, minimizing expenses and crafting solutions that deliver exceptional results for clients across all industries. Claims Management Proactively managing and resolving a claim is essential to recovering from a loss and improving your bottom line. CONNECT WITH OUR TEAM In recent years, the frequency of severe major loss events has surged, emphasizing the importance of best-in-class claims services. Our team of claims professionals is equipped with the technical skills, deep industry knowledge, and extensive experience to help meet all your organization’s risk and claim needs with precision. Claims Management Solutions At CBCS, Cottingham & Butler’s in-house third-party claims administrator, we're not just processors – we're trusted partners in navigating complex situations . Decades of experience guide us in navigating even the most complex claims, while providing exceptional service is at the heart of everything we do. We are cost-conscious advocates, working tirelessly to minimize expenses and craft solutions that deliver exceptional results for a wide range of clients across all industries. Workers’ Comp Auto Liability Physical Damage General Liability Motor Cargo Freight Claims Advocacy Learn how we saved clients over $7 million > When a claim happens, insurance becomes a vital lifeline for your business. However, navigating complex claims can feel like an overwhelming maze of processes. Our in-house claims advocacy experts champion your claim, securing a swift resolution that minimizes disruption. With an eye for detail and a commitment to fairness, they help interpret your coverage in your best interest, ensuring you receive a maximized recovery that protects your bottom line. Our Client-Centric Approach We don't just follow industry standards – we set the bar higher. Our approach is built around exceptional client service, solving problems, and delivering tangible results. Flexibility & Customization We work collaboratively with clients to design a claims management approach that controls costs and meets their specific needs. Clear Communication CBCS prioritizes transparent communication, ensuring all parties are informed and involved throughout the entire claims process. Investing in Expertise Our obsession of professional development translates to superior claims management and exceptional results for our clients. Data-Driven Decisions CBCS utilizes industry-leading technology to empower clients with data and insights for better decision-making. Client-Focused Partnership We go beyond claims processing to become a trusted advisor and partner, working alongside clients to solve problems and drive results. Claims Insights Claims Advocacy Excellence: Problem Solvers with Proven Results Learn more about claims advocacy at Cottingham & Butler and their recent successes! Articles Transforming Claims Management for a Major Foundry Foundry with hazardous operations sought C&B's risk team for help, as poor claims management threatens safety and finances. Case Studies Claims Advocacy Expertise Secured a $124K+ Settlement Increase Through Water Damage Reclassification Discover how strategic claims advocacy turned an initial water damage assessment into major additional coverage for proper remediation. Case Studies VIEW MORE “We've seen a lot of changes in our business, but CBCS has been the one constant. The results and service we have experienced have never been less than excellent.” SCHEDULE A DEMO Industry Leading Technology & Reporting Our cutting-edge technology and reporting capabilities empower clients to collect, track, and manage data throughout the claims management process. This enables your organization to make more informed decisions for better business outcomes. Risk dashboard Claims navigator Claim details Incident reporting OSHA logs Alerts Exposures Policies Reports Claims Management Connect with our Claims Team Today!

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 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 When Good Benefits Go Bad: Rethinking Employer Health Plans Employee benefits expert Josh Surber reveals how traditional employer health plans are failing workers who pay thousands for coverage they can't afford to use. Discover proven solutions including price transparency and chronic condition management. Articles VIEW MORE Cost Management Connect with our Cost-Saving Experts Today!

Cottingham & Butler is one of the most experienced brokers in the country, committed to delivering insurance programs that are crafted to address the unique exposures and large-scale risks of the metalcasting industry. Our comprehensive insurance solutions ensure you are well protected, providing you with peace of mind and confidence in your business's resilience. Metalcasting Industry The largest and most experienced insurance broker serving the metalcasting and foundries industry. CONNECT WITH OUR TEAM Cottingham & Butler is one of the most experienced brokers in the country, committed to delivering insurance programs that are crafted to address the unique exposures and large-scale risks of the metalcasting industry. Our comprehensive insurance solutions ensure you are well protected, providing you with peace of mind and confidence in your business's resilience. Minimize Risk & Maximize Results with Proactive Risk Control With a strong emphasis on risk control, we offer unparalleled claims advocacy, loss control, Proactive loss prevention Claims advocacy & management Specialized coverage & services Proprietary, deep-dive program analysis Recognized as American Foundry Society (AFS) Affinity Broker. Trusted partner of the Foundry Industry Association (FIA) , North American Die Casting Association (NADCA) , and Non-Ferrous Founders Society (NFFS) . At Cottingham & Butler, we take great pride in our expertise in managing complex risks. Discover how we have successfully helped businesses like yours. LEARN MORE Metalcasting Meet with our Metalcasting Team Cottingham & Butler is proud to offer a proprietary property program and exclusive captive program. For more information, please fill out the below form today. Colin Green, Vice President John Link, Vice President Colin’s top priority is to act as a consultant to his clients by skillfully communicating complex risk management issues and placing the best coverage for the individual risks each client presents. With years of experience, John’s expertise overlaps in Property Casualty, Captives and Self-Insurance. John works primarily with medium to large commercial manufacturing and foundry clients. Madeline Harrison, Vice President Madeline Harrison is a Vice President and employe benefits consultant at Cottingham & Butler, where she advises clients on strategic initiatives, cost containment, compliance and administrative efficiency. Megan Haley, Risk Consultant Megan began her insurance career with Cottingham & Butler in 2023. Today, Megan specializes in the Manufacturing and Foundry space. Katie Hensley, Risk Consultant Katie began her insurance career as a Workers’ Compensation Adjustor. Today, Katie is a Property & Casualty Broker specializing in Manufacturing and Foundry clients. Metalcasting Insights Nuclear Verdicts and Their Impact on Captive Insurance As we navigate the increasingly litigious landscape of risk management, we'd like to highlight trends related to nuclear verdicts and... Articles Manufacturing Trends to Watch in 2024 Businesses in the manufacturing sector contribute significantly to the economy by utilizing raw materials to create a wide range of... Manufacturing OSHA's New Walkaround Rule – Effective May 31, 2024 OSHA announced its final rule that clarifies employees’ rights to authorize a representative to accompany an OSHA compliance officer. Articles VIEW MORE

As your dedicated partner in safety management, our specialized consultants help clients craft exceptional programs aimed at risk identification, mitigation, and prevention. Safety Management Services Company (SMSC) Building a culture of safety for a secure and successful future. CONNECT WITH OUR TEAM Cottingham & Butler Safety Management Services Company (SMSC) is your dedicated partner in safety management and loss control. Our team of specialized safety consultants help clients craft exceptional programs aimed at risk identification, mitigation, and prevention. Safety Offerings In today’s fast-paced and competitive business environment, we prioritize building a strong safety culture within your organization. Our consultants work closely with you to instill a safety-first mindset, seamlessly integrating safety practices with productivity even in the most streamlined and lean work environments. Safety Assessments Employee Risk Evaluation Risk Improvement Programs Workshops & Seminars Safety Resources Portal Management Training Mock Compliance Audit Safety Webinars Click here to learn more about our safety leadership program > Safety Education and Training Imagine a workplace where safety isn't just a priority, it's a shared value. At Cottingham & Butler, we don't just offer safety training, we create transformative learning experiences. Our engaging workshops, interactive seminars, and expert-led programs go beyond checklists and compliance. We focus on empowering your employees, creating positive safety behaviors, and building a culture of ownership. The results? Reduced incidents, improved morale, and a safer, more successful organization. A Powerful New Partnership to Transform Your Fleet Compliance Safety Management Services Company (SMSC), Cottingham & Butler's safety consulting company, has partnered with Haul Compliance, a leading fleet compliance software provider, to offer clients access to Haul’s AI-driven platform which centralizes fleet management across compliance, maintenance, and safety. Through this collaboration, our solution will help motors carriers manage: DRIVER QUALIFICATION FILES VEHICLE MAINTENANCE RECORDS FMCSA/DOT COMPLIANCE REQUIREMENTS Click here to download the full guide >> Ready to Transform Your Compliance Management? To learn more about how this solution can benefit your fleet, contact us for a personalized demo. Chad Hoppenjan Vice President, SMSC choppenjan@smscsafety.com Kara Vines Senior Safety Consultant, SMSC kvines@smscsafety.com Safety Insights Don't Slip Up: Managing Winter Weather Liability for Property Managers Snow and ice create costly liability risks for property managers. Discover essential strategies for hazard prevention, tenant responsibilities, and contractor selection. Articles Safety Reimagined: Setting Goals That Actually Drive Change Learn practical strategies for developing safety goals that empower your workforce and build a culture of continuous learning. Watch our webinar recording with SMSC Safety Consultant Scott Christenson now. On-Demand Strategies for Fighting Driver Fatigue to Stay Alert and Alive Learn how to build an effective Fatigue Risk Management System (FRMS) to protect drivers and improve safety. Free resources and practical tools included. On-Demand VIEW MORE “Safety Management Services Company (SMSC) has been a great partner and a tremendous resource as we have worked toward our safety goals. Their knowledge and practical, real-world solutions have been an instrumental part of our success.” Chad A. Burroughs | United Building Centers Let’s Get to Work Our dedicated team of Safety Consultants is here to support your success. With expertise across various industries, we're confident in our ability to assess and better manage risk in your business. For a personalized consultation on how we can help your business operations, reach out to us today. Safety Management Services Connect with a Safety Consultant Today!

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 Construction Insurance: What’s Softening, What Isn’t Emily Glanz breaks down the construction insurance market for CFMA Building Profits - covering rate trends, underwriting changes, and risk management strategies. Articles SafetySMART Success Story: Building a Unified Safety Culture Iowa construction company needed to unify safety programs across six business entities. Case Studies Improving the Prequalification Process for Construction Managers and Subcontractors This article touches on a few strategies for making the prequalification process as effective as possible for all involved. Articles VIEW MORE Connect with a Construction Expert!

Whether you engage in residential, commercial, or municipal projects, we provide customized coverage and service solutions designed to address your specific needs. Surety Bonds Enjoy Greater Flexibility CONNECT WITH OUR TEAM The Cottingham & Butler Surety team specializes in delivering surety bond solutions that provide unparalleled adaptability, giving you the freedom and confidence to pursue your goals with ease. Our Approach With an aim to structure a program that will provide a contractor with the flexibility to capitalize on strategic opportunities, we focus on consultancy to help our clients understand how best to position themselves for success. Program Design We analyze and improve surety programs to get you the best deal with flexible terms, so you can pursue the projects you want without overspending. Our experienced team closely evaluates your requirements, identifying areas for cost reduction and improved efficiency, while ensuring you have the necessary capacity to undertake projects of varying scales. Market Relationships We partner with a number of sureties on a regional and national level. We advocate for our clients and obtain results by leveraging our strong and deep relationships. Our extensive network allows you to connect with the right surety providers, ensuring you get the most favorable terms and conditions. Benchmarking & Services Our proprietary reports go well beyond financial performance. Through our unique process, we provide clients with insight that helps them outshine the competition. Our benchmarking services are designed to give you a comprehensive understanding of your standing in the industry. Subcontractor Default Insurance We help our clients limit the risk of subcontractor default through a comprehensive approach that includes a “constant qualification” (assessment and implementation), selection process, real time contractor qualification and verification, and contractual risk transfer. Our tailored approach to subcontractor risk management ensures that your projects remain on track and that potential disruptions are mitigated. Surety Bond Types Explore the different types of surety bonds and begin your application through the selections below. Contractor Pre-Qualification > Bid Bond Application > BMC84 > Experience the Power of Surety Bonds Bank-Guaranteed Security Enjoy the peace of mind, knowing your financial interests are backed by a reliable institution. Surety Bonds Insights Contract Bonds | A Bumpy Path to Success Contract bonds play a crucial role in the construction industry, providing financial guarantees and risk mitigation for various projects. Articles Strategies to Strengthen Bonding Capacity and Navigate Our Evolving Construction Economy In unpredictable economic times, maintaining and increasing bonding capacity becomes crucial for contractors. Articles The Creeping Retainage Vine Discover how retainage impacts cash flow in the construction industry amidst labor shortages and cost escalations. Articles VIEW MORE Surety Bonds Contact Questions? Talk to our Surety specialist!

At the heart of our mission lies a commitment to your employee’s wellbeing, understanding that a healthy workforce is a thriving workforce. We advocate for your employees' health and wellbeing because we know it's not just good for them; it's great for your bottom line. Population Health Empowering Health & Wellbeing CONNECT WITH OUR TEAM At the heart of our mission lies a commitment to your employees' wellbeing, understanding that a healthy workforce is a thriving workforce. We advocate for your employees' health and wellbeing because we know it's not just good for them; it's great for your bottom line. Building a Healthier Future Investing in employee health is an investment in your organization's future. A healthier workforce translates to higher productivity, reduced absenteeism, and improved morale. Our program design assistance focuses on tailoring wellness initiatives to align with your specific goals. Whether it's stress reduction, weight management, or encouraging a healthier lifestyle, we work hand-in-hand with you to craft a program that supports both your employees and your bottom line. Goal Identification We work closely with clients to understand their unique workforce and benefits goals, helping them establish clear, measurable objectives for improving employee health and wellbeing. Vendor Selection We leverage our extensive knowledge of the health and wellness vendor landscape to identify and recommend best-fit partners that align with each client's specific population health strategy, culture, and budget satisfaction. Incentive Design Our team excels at crafting creative, effective incentive programs that drive engagement in health initiatives by rewarding employees for taking steps to improve their wellbeing, from increasing physical activity to managing chronic conditions. Integrated Care Management Did you know that integrated care management can help employers reduce healthcare costs by up to 15% and make employees feel more supported? Integrated care ensures your employees receive the right treatment at the right time, leading to better health outcomes and significant cost savings for your organization. Request more information to learn how we can customize a program that fits your needs. Reduce Costs, Boost Engagement, and Empower Your Workforce Just like employees wouldn't navigate a new city without a map, they shouldn't navigate their benefits alone either. MyAdvocacy makes benefits easy, fast and mobile by connecting employees with benefits plan details, in-network providers, expert benefit support, insurance card information, low-cost, quality providers, and healthcare accumulators. SCHEDULE A DEMO! Empowering Health Through Education We believe education is the foundation of a healthy workforce. We offer engaging resources that empower both employers and employees to make informed decisions about their health, potentially leading to significant cost savings for your organization. DOWNLOAD FREE MONTHLY WELLNESS CALENDAR Engage360 Engage360 transforms employee feedback by delivering real-time insights to leaders when they matter most, replacing traditional annual surveys with actionable intelligence that drives immediate improvements in employee experience. LEARN MORE HealthCheck360: Your Strategic Partner in Health & Wellbeing Investing in employee wellbeing is an investment in your company's success. A healthy workforce is a happier, more productive, and less costly one. Our in-house wellness team, HealthCheck360, is just one way we can help you achieve this goal. Together, we offer a comprehensive suite of health and wellness solutions, including: Wellness Consulting Integrated Care Management Chronic Condition Management Biometric Screenings Advocacy and Navigation Lifestyle Rewards Wellness Engagement Technology Health Coaching Mental Wellbeing Financial Wellbeing Population Health Insights Drive Your Fleet Towards Better Health In the trucking industry, investing in driver health reduces healthcare costs and improves fleet performance. Articles The Costly Maze of Healthcare Benefits: Are You Losing Money and Quality Care? For today's employees, navigating the complex web of modern healthcare benefits has become a daunting challenge. While employers invest... Articles Three Things You Can Do to Improve Job Satisfaction In today's competitive job market, retaining talent is a top priority for any organization. Articles VIEW MORE Population Health Connect with our Team of Experts Today!

At Cottingham & Butler, we specialize in navigating the intricate landscape of mergers and acquisitions, ensuring a smooth transition of benefit structures while minimizing risks. Mergers & Acquisitions Streamlining Benefit Transition and Risk Assessment CONNECT WITH OUR TEAM M&A transitions shouldn't be a benefits burden. We help our clients expertly navigate the complexities, ensuring a smooth benefit structure integration and minimizing risks for a successful, stress-free transaction. Our M&A Strategy Our tailored approach involves thorough due diligence and risk evaluation, empowering you with informed choices. From optimizing cost structures to providing additional solutions and support, we stand by your side, making M&A management seamless. Informed Decisions through Due Diligence We carefully analyze benefit structures and risks, equipping you with vital insights for informed M&A decisions. Options for Transitioning Benefit Structure We present tailored options to transition benefit structures smoothly, ensuring minimal disruption and maximum employee satisfaction. Optimizing Cost Structure Our expertise allows us to identify cost-saving opportunities, negotiate effectively, and streamline procurement, improving overall financial health. Support Beyond Expectations We go the extra mile by providing support beyond benefit transition, ensuring you experience a seamless merger or acquisition and set a solid foundation for future success. Mergers and acquisitions are exciting endeavors, but don’t let benefit discrepancies disrupt your M&A timeline or negatively impact employee morale. Download our free guide to M&A benefits integration Mergers & Acquisitions Insights Merger & Acquisitions Insurance Considerations During a merger or acquisition, both parties must review and update their insurance coverages to ensure all risks are accounted for. Articles Mergers & Acquisitions: Manage the Hidden Risks Discover how to navigate hidden risks in mergers & acquisitions. Uncover essential tips for managing liabilities & protecting your company. Articles Managing Cyber Security During a Merger or Acquisition During a merger or acquisition, cybersecurity is, unfortunately, often put on the back burner. Articles VIEW MORE Mergers Connect with our Team of Experts Today!