Empowering hospitality leaders to protect their assets, optimize operations, and create exceptional guest experiences. Hotels & Resorts Empowering hoteliers to protect their assets, optimize operations, and create exceptional guest experiences. In a world driven by guest expectations, dynamic market conditions, and evolving operational demands, protecting your hospitality business has become increasingly more complex. Cottingham & Butler delivers specialized risk management solutions, responsive claims advocacy, and comprehensive coverage expertise, providing a holistic approach to managing the unique risks faced by today's hospitality leaders. Running a Hotel Property is Complex Enough Your insurance and benefits program should solve challenges, not create them. Rising Costs Property expenses and operational costs continuing to climb Safety Growing liability exposures in an increasingly complex world Staffing Struggles Intense competition for qualified hospitality talent Compliance Burden Ever-changing regulations adding complexity to operations Guest Expectations Evolving demands for safety and service excellence Turn Risk Management into Revenue Most in the hospitality industry view risk management as a necessary cost. We see it differently. Through our strategic approach, we help turn your risk management program into a competitive advantage. 1 Insurance & Consulting Strategic risk transfer and expert guidance tailored to hotel operations • Comprehensive property & liability coverage design • Market leverage to optimize premiums • Industry-specific policy enhancements • Strategic risk financing solutions It’s widely accepted that effective risk management is a key contributor to business success. But what we often find, is that most insurance programs limit their view of risk, and only look at a part of the entire risk 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 – which if left unmanaged, could jeopardize the entire livelihood of your business operations. LEARN MORE Benefits that Work as Hard as You Do The hospitality industry never stops—and neither should your benefits strategy. Our comprehensive approach helps you control costs, streamline administration, and deliver value that makes a difference for your business and employees. 1 Cost Management & Analytics Strategic solutions to optimize spending and maximize value across your workforce • Advanced analytics and predictive modeling • Medical and Rx cost containment strategies • Alternative funding for diverse workforce needs • Multi-location network optimization Download our hospitality brochure to learn more about our team, risk and insurance solutions, safety services, and more! DOWNLOAD OUR HOSPITALITY BROCHURE The Cottingham & Butler Advantage Unmatched expertise and resources dedicated to hospitality success 4th largest private broker with hospitality-focused expertise 1,200+ dedicated specialists in claims, safety, compliance, and benefits 97% client retention rate backed by a client-focused approach Connect with our Hotels & Resorts Team Today!

Our member-owned group captive model fosters risk-sharing within a smaller, more stable community of like-minded construction organizations. Construction Captive Cottingham & Butler Captives & Programs deliver alternative risk solutions for best-in-class companies. CONNECT WITH OUR TEAM Joining our Construction Captive means collaborating with like-minded best-in-class companies. Together, you'll gain control over your insurance programs and unlock the potential for substantial cultural and financial improvements. Building a Better Future At Cottingham & Butler, our unwavering commitment revolves around building tightly controlled captives with a carefully curated selection of members. Our primary aim is to ensure that all members share common insurance goals and strategies, creating a solid foundation for success. Standard Market For best-in-class businesses, traditional insurance has historically been the go-to-choice for managing risk. However, it often comes with costly challenges. Fluctuating insurance costs regardless of claims experience Market volatility beyond your control Limited influence over claims management The stress of last-minute renewals Insurance carrier retains profits Captive Program A group captive brings together best-in-class companies who join to form their own insurance company. The captive is controlled by its owners, enabling companies to break free from the standard market. Request a FREE personalized captive comparison Construction Captive Testimonials “With the assistance and guidance of the Cottingham & Butler safety team, we have enhanced our overall company safety program by improving our ability to document, follow up, and trend for the future. We have seen a shift from being reactive to proactive.” Jacob Gilmore, Jr. | President & CEO, Gilmore Construction Corporation Construction in a Crush: Why Captives Are the Lifeline You Need READ THE FULL ARTICLE Current Quarter Market Report DOWNLOAD THE 2025 Q2 REPORT Ready to learn more about our Captive Solutions? VIEW OUR CAPTIVE BROCHURE Unlock the Strategic Benefits of Captive Insurance Predictable Costs Less Market Volatility Control Over Claims Lower Premiums Tailored Coverage Best-in-Class Peer Engagement Return of Underwriting Profits Company Specific Loss Control Is a Group Captive Right for You? Tired of paying too much for your insurance? Want more control over claims handling? Want to join growth-focused peers? Need more proactive safety support? Ready to invest in yourself for premium returns? CONTACT OUR CAPTIVE EXPERTS TODAY! Captive Insight & Impact Captives: Why the Right Companies Are Leaning In & Why Now Is the Perfect Time Discover why mid-market food, ag, and processing companies are turning to captive insurance for pricing stability, underwriting profit, and long-term cost control in today's unpredictable casualty market. Articles 2025 Cottingham & Butler Captive Recap: Delivering Stability in Uncertain Times Discover how Cottingham & Butler's captive insurance programs delivered stability and savings for trucking companies in 2025. Real results, real value. Articles $150K+ Savings: How Persistence Pays in Captive Insurance Discover how Mockingbird Transport saved $150K+ annually through captive insurance. A trucking case study on persistence, peer validation, and strategic partnership. Case Studies VIEW MORE Construction Captive Contact our Construction Captive Experts Today!

The Cottingham & Butler Food & Agribusiness Practice sets the standard as a premier insurance consultant, uniquely equipped to understand the intricacies and challenges of the food & agribusiness industry. Food & Agribusiness Industry We cultivate success for the food and agribusiness sector through specialized insurance and risk management solutions. The Cottingham & Butler Food & Agribusiness Practice sets the standard as a premier insurance consultant, uniquely equipped to understand the intricacies and challenges of the food & agribusiness industry. With a team of experts deeply rooted in the field, we deliver personalized risk management strategies, protection for your most valuable assets, and an unrivaled service experience. Your Trusted Source for Comprehensive Insurance Solutions in the Food & Agribusiness Industry. Food & Agribusiness Coverages Accidental contamination / Product recall coverage Alternative risk Auto Crop Environmental risk Excess liability General liability International risk and exposures Livestock / Animal mortality Ocean and domestic cargo Property Stock Throughput Umbrella / Excess Workers’ Compensation Food & Agribusiness Services Claims advocacy and management Contract review and insurance policy compliance Disaster management and loss prevention services Experience modification review and analysis Premium allocations and budget preparations Competitive bidding of insurance programs Download our FREE E-book “Risk Resilience” and discover how we can be your partner in achieving food safety excellence. Food Safety Expertise for Growth Did you know foodborne illness costs the US food industry an estimated $15.5 billion annually? Cottingham & Butler, alongside The Acheson Group (TAG), empowers food & agribusiness companies to cultivate a culture of safety and minimize risk. Our expertise can help you: Reduce recall & contamination risks Optimize operations and boost profitability Navigate complex food safety regulations Specialized Food & Agribusiness Niches Food Processing Food Retailers Food Distribution Bottling & Distribution Swine Operations Dairy Operations Egg & Poultry Operations Grain, Feed, & Seed Commercial Farming Cannabis / Hemp Featured Expertise Food Safety Made Smarter 1 in 6 Americans get sick from contaminated food annually! Ensuring food safety is a top priority for any food & agribusiness company. After all, it's about protecting consumers and the integrity of your brand. But here's the surprising truth: many companies, confident in their existing procedures, miss hidden risks that could lead to costly recalls or outbreaks. Our FREE 3-part diagnostic tool helps you proactively identify these hidden strengths and potential areas for improvement in your food safety practices. RECALL & CRISIS MANAGEMENT Navigate Risk with Confidence - Explore Captive Insurance Solutions The food and agribusiness industry is the backbone of our nation's food supply, but it also faces a complex web of risks. From unpredictable weather patterns and volatile commodity prices to ever-evolving regulations and food safety concerns, traditional insurance might not always provide the tailored protection you need. Captive insurance offers a revolutionary approach to risk management. Imagine a self-funded program co-owned by a group of food and agribusiness companies like yours. EXPLORE THE BENEFITS OF CAPTIVE INSURANCE With roots dating back to the late 1800s, our Food & Agribusiness Practice proudly stands as the longest-established niche focus at our firm. From its inception, Cottingham & Butler was founded with a deep commitment to serving the needs of our food & agribusiness community, forging a legacy of expertise and dedication in the industry. Watch our client success video and hear directly from our food and agriculture clients Explore our expertise, risk solutions, and track record of exceptional results for clients. DOWNLOAD OUR FOOD & AGRIBUSINESS BROCHURE Food & Agribusiness 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 Safety Leadership: Empowering Supervisors to Drive Change "Safety Leadership: Empowering Supervisors to Drive Change," hosted by SMSC Safety Consultant Scott Christenson, explored how Human and Organizational Performance (HOP) principles can become everyday leadership tools. Rather than relying on compliance-driven oversight, attendees learned how to spark meaningful conversations, identify system weaknesses, and champion improvements that actually help people succeed. On-Demand VIEW MORE Connect with a Food & Agribusiness Expert!

We tailor your benefits and engagement programs to not only attract top talent but also ensure their lasting commitment. Our approach goes beyond conventional strategies, focusing on creating an enriched workplace experience that aligns with your organizational goals. Total Rewards and Engagement Empowering Employers in Talent Attraction and Retention CONNECT WITH OUR TEAM Taking care of your employees means taking care of your business. A competitive compensation and benefits package can be a game-changer, elevating employee satisfaction and engagement while also providing a substantial advantage in attracting and retaining top talent. Maximize employee value and satisfaction with a strategic Total Rewards approach In today's dynamic workplace, offering a comprehensive Total Rewards package goes beyond traditional benefits. At Cottingham & Butler, we believe in a holistic approach that encompasses not only competitive pay and insurance coverage but also opportunities for growth, work-life balance, recognition, and employee wellness programs. Our Total Rewards approach ensures employees see the full value your organization provides, leading to increased job satisfaction and improved retention. Connect with our Total Rewards Experts Today > Total Rewards Strategy A one-size-fits-all approach doesn't work. We take the time to understand your unique company culture, employee demographics, and business goals. By aligning these with industry trends and benchmarks, we design a total rewards program that delivers real impact. REQUEST YOUR TOTAL REWARDS ASSESSMENT TODAY Designing an impactful benefits and compensation program hinges on aligning your goals with employee expectations We help to ensure you’re spending your time and resources efficiently, emphasizing benefits that attract and retain high-quality talent, all in support of your organization’s success. Informed Decision-Making Clients get access to our engagement study on employee-preferred non-medical benefits. Enhanced Health Literacy Leverage our digital and concierge tools to help employees realize quality and cost insights in their healthcare decision making. Employee-Centric Insights Conduct employee benefit preference surveys to gain in-depth knowledge of employees' reward priorities. Employee Rewards & Engagement BenefitWave transforms traditional feedback methods. Leveraging cutting-edge technology and drawing on decades of consulting expertise, we help employers better understand employees' benefit preferences to maximize their benefits program. VIEW EMPLOYEE INSIGHTS GAINED WITH BENEFITWAVE Compensation Strategy Compensation Strategy Download The Critical Role of Compensation in the Recruitment Process Guide by Matt Shefchik In today's competitive market, a well-designed compensation strategy is no longer optional, it's essential for attracting top talent and reducing costly turnover. Our in-house compensation consulting team specializes in building equitable and competitive compensation systems, crafting pay philosophies, and designing incentives for executives, staff, and sales teams. We understand the diverse needs of public-sector employers, privately-held companies, and not-for-profit organizations, and help businesses like yours: Attract & retain top talent Create fair and equitable compensation plans Boost employee engagement & morale Improve bottom-line performance Employee Rewards and Engagement Insights 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 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 Work, Worth, and the Economics of Feeling Valued Compensation is not merely financial, and benefits are not merely supplementary. The difference between them is much deeper, more human, and ultimately more consequential. Articles VIEW MORE Total Rewards Connect with our Total Rewards 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. 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

Breaking geographical boundaries with strategic positioning, we're committed to delivering exceptional service across major metropolitan hubs and critical remote locations nationwide. Domestic and International Office Locations Cottingham & Butler Locations We believe distance shouldn't be a barrier to exceptional service. That's why we're strategically positioned in the heart of the U.S., allowing us to swiftly reach not only major metropolitan hubs, but also critical remote locations across the country. We're constantly expanding our footprint, ensuring you receive the best-in-class service, no matter where your business takes you. Cottingham & Butler Office Locations Little Rock, AR San Diego, CA Dubuque, IA Davenport, IA Dyersville, IA Des Moines, IA Des Plaines, IL Edina, MN Columbus, OH Pittsburgh, PA Dallas, TX Green Bay, WI Madison, WI Your Global Insurance Advantage Assurex Global is an exclusive Partnership of the most prominent independent insurance agents and brokers in the world. With an impressive $46 billion in annual premium volume and a network of over 730 Partner offices, it’s the world’s largest privately held commercial insurance, risk management, and employee benefits brokerage group. $46 Billion Annual Premium Volume 100+ Partner Firms 730+ Partner Offices on Six Continents Largest privately held insurance and benefits brokerage Cottingham & Butler Domestic and International Partner Offices Reach out today, and let's work together to secure your future

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!

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

Discover IRIS, Cottingham & Butler's exclusive transportation management portal. Streamline fleet operations, access real-time data, and simplify insurance and compliance with one intuitive platform. IRIS – Your Fleet Management Resource IRIS is available exclusively to Cottingham & Butler transportation clients, designed to deliver a one-stop solution to easily access and manage the many moving parts of your business. The IRIS Transportation Portal has an intuitive, easy-to-navigate interface that provides at-a-glance access to your driver and vehicle lists, Cottingham & Butler client service team, the ability to make real-time account changes, and much more! Avaliable 24/7 Easily Submit Updates Online Submit Payments Online Claims Reporting Access to Excess Cargo Coverage Manage your entire fleet with one powerful, user-friendly tool. IRIS Portal Advantages Manage your driver and equipment list by making changes easily online Export your current vehicle and driver lists Access the direct contact information of your dedicated C&B support team Access to your safety and compliance platform – Risk Management Center Easily access and manage your certificates of insurance Certs Online Connect to your organization’s claims management system – Ventiv Alerts on Cottingham & Butler news and events Easily submit secure, online payments with an instant receipt of payment Ready to Get Started? Current C&B clients can complete the form below to request a new account and a member of your client service team will send your unique log in details shortly. 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 Connect with a Transportation Expert!

As a trusted insurance advisor, we help clients protect their most important assets through effective risk management and first-rate coverage. Tribal Nations Protecting tribal sovereignty through comprehensive insurance solutions. CONNECT WITH OUR TEAM At Cottingham & Butler, we understand the unique exposures of Tribal Nations. We are committed to tailoring risk management solutions that protect sovereignty and positively impact the tribe for generations to come. Comprehensive Insurance Solutions Tailored to Tribal Nations Our team specializes in delivering custom-tailored solutions that address the unique challenges and opportunities within Indian Country. Our core areas of expertise include: Property & Casualty Solutions Property & Casualty Consulting Tribal Governance Assistance Safety & Loss Control Consulting Claims Advocacy Casualty Claims Administration (TPA) Contract Review & Risk Management Cyber Security Preparedness Employee Benefits & Health Management Proprietary Medicare Like Rates Integrated Health Management Maximized Tribal Health Systems Re-Circulating Health Care Dollars Active Participation in Tribal Legislative Initiative, Industry, and Inter-related Services Why Tribal Nations Choose Cottingham & Butler Proven Track Record We serve sovereign nations across the country with a deep understanding of Tribal sovereignty, federal regulations, and the unique challenges of the tribal government, gaming, and economic development. Innovative Solutions Our team brings forward-thinking solutions to risk management challenges, always with respect to Tribal culture and values. Trusted Partnership We don't just provide insurance – we serve as strategic advisors committed to contributing to your Nation's long-term success and prosperity. Proactive Service Our commitment goes beyond reactive claims management. We proactively identify opportunities to enhance your risk management and benefits strategies. Specialized Tribal Expertise Bonding for 8(a) Government Contracts Support in drafting and modernizing tribal laws, codes, and ordinances Emergency and Active Shooter Preparedness Cybersecurity Readiness Tribal Ready to Partner with Us? Let's discuss how Cottingham & Butler could be an extension of your risk management team. Our team is ready to deliver innovative solutions that honor your sovereignty while providing exceptional value and protection. Contact our Tribal risk management specialists today so we can begin to learn what makes your tribe unique! Jennifer Lemanski Indian Country Risk Management Consultant jlemanski@cottinghambutler.com 231.633.9185 John Link Vice President, Indian Country Risk Management Consultant jlink@cottinghambutler.com 563.587.5288 Joe Zack Vice President, Indian Country Employee Benefits Consultant jzack@cottinghambutler.com 920.202.5271

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

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