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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

The Cottingham & Butler Manufacturing Practice offers a dedicated focus on risk control, seamless claim services, and comprehensive coverage expertise, delivering a holistic approach to managing the inherent risks faced by today's manufacturers. Manufacturing Industry Tailored insurance and risk management solutions crafted for today's competitive manufacturing market. In a world marked by supply chain optimization, technology advancements, and skilled labor shortages, protecting your manufacturing operations has become increasingly more complex. The Cottingham & Butler Manufacturing Practice offers a dedicated focus on risk control, seamless claim services, and comprehensive coverage expertise, delivering a holistic approach to managing the inherent risks faced by today's manufacturers. Your Trusted Source for Comprehensive Manufacturing Insurance Solutions Manufacturing Coverages Auto Cyber / Network security Environmental liability General / Product liability International / Foreign Management liability (D&O, EPL, Fiduciary) Manufacturers errors & omissions Ocean marine / Transit Property Stock Throughput Umbrella / Excess Workers' compensation Manufacturing Services Catastrophic Exposure Modeling Claims Advocacy Claims Reviews Contract Review Contractual Risk Transfer Consulting Dedicated Service Team Experience Modification Factor Reviews Online Insurance Application Management Program/Limit Benchmarking Same Day Certificates of Insurance (COIs) Self-Issued COIs Manufacturing Programs Aggregate deductibles Captives Member owned group programs Single parent 831(b) Guaranteed cost Horizon (Proprietary program) Large deductibles Retrospective rating plans How a Catastrophic Premium Increase was Avoided for a Foundry Business Discover why the oldest continuously run business in Dubuque, Iowa trusted us to find the best coverage, while mitigating costs for their manufacturing and foundry operations. Connect with our team of foundry and metal casting experts today! Featured Expertise Empower Your Manufacturing Business Did you know that manufacturing businesses face an average of $1.2 million in losses annually due to operational inefficiencies and risks? In today's manufacturing landscape, every decision counts. Imagine a future where your operational costs are minimized, your workforce thrives in a safe environment, your contracts provide ironclad protection, and your cybersecurity defenses effectively ward off threats. This future is within reach, and it starts with taking that first step towards knowledge and awareness using our SMART Diagnostic Programs. CONTACT US FOR A FREE CONSULTATION Why Captive Insurance is the New Competitive Edge In today's fiercely competitive world, every edge matters. But are you overlooking a hidden opportunity to reduce costs, gain control, and unlock the true potential of your insurance? Say hello to Captive Insurance - the game-changing risk management strategy that’s no longer reserved for industry giants. It's rapidly becoming the secret weapon for forward-thinking manufacturers like you. Explore captive insurance benefits with our Cottingham & Butler team of experts. LEARN MORE ABOUT OUR TAILORED CAPTIVE SOLUTIONS Specialized Manufacturing Niches Wood Products Metalcasting Metal Products Printers & Publishers Clothing Plastic Products Chemical Auto & Machinery Discover our expertise, innovative risk solutions, and track record of delivering results for our clients. DOWNLOAD OUR MANUFACTURING BROCHURE Manufacturing Insight & Impact From the Podcast Studio: Insights on the Evolving Insurance Landscape for Manufacturers Katie Hensley shares insights on navigating today's complex insurance landscape for manufacturers, from hard market lessons to emerging liability risks. Articles $323K Premium Reduction Achieved Chicago manufacturer slashes 52% renewal increase to just 4.7%, avoiding $323K in premiums and removing $1.5M+ in claims through strategic benefit solutions. Case Studies On-Demand | Manufacturing Cyber Security: Threats, Prevention & Response Learn from Cottingham & Butler and Travelers industry experts about manufacturing cybersecurity and how to best prepare your company for unexpected threats. On-Demand VIEW MORE Connect with a Manufacturing Expert!

As a trusted insurance advisor, we help clients protect their most important assets through effective risk management and first-rate coverage. Insurance & Consulting As a trusted insurance advisor, we help our clients reimagine what’s possible. CONNECT WITH OUR TEAM Protecting your business and managing risk effectively requires first-rate coverage and a broker partner with a trusted reputation and exceptional industry expertise. Risk Management Services & Solutions We empower clients to effectively identify, assess, and proactively manage their risks. Our team of risk consultants provide expert guidance on a variety of insurance coverages, providing strategic advice for a range of exposures. Workers’ Compensation Property General Liability Auto Liability Cyber Liability Professional / E&O Umbrella / Excess Environmental Crime / Fidelity Surety Bonds Directors & Officers Inland Marine At Cottingham & Butler, we take a different approach to risk management. Using our comprehensive Risk Management Assessment, we dive deep into every client's program, uncovering their full risk profile. With tailored action plans, we help maximize protection, cut costs, and empower clients to navigate risk confidently, unlocking a future of informed decision-making and lasting success. LEARN MORE Optimizing Your Insurance Program Don't settle for a one-size-fits-all approach to insurance. At Cottingham & Butler, we believe in creating customized solutions that deliver exceptional value. Here's how we achieve it. More Markets, Better Value Our broad market access helps clients get the best coverage options at competitive rates, giving you more choices, flexibility, and cost-effective solutions. Team of Experts Our team is your team. Cottingham & Butler’s risk consultants work closely with you to ensure alignment between your business goals and insurance needs. Data-Driven Decision-Making Using our comprehensive Risk Management Assessment, we dive deep into every client's program, uncovering their full risk profile. With tailored action plans, we help maximize protection, cut costs, and empower clients to navigate risk confidently. Feeling limited by traditional insurance? At Cottingham & Butler, we understand that some risks require a more innovative approach. That's why we offer a full suite of captive and program solutions, empowering you to take greater control of your risk management strategy. Is a captive program right for you? FIND OUT NOW! Industry Partnership Cottingham & Butler is committed to every client’s success and proudly partners with the best in the industry to meet your business needs. 100+ Top Insurance Carrier Relationships Industry Expertise Our expertise spans across some of the most essential industries, giving us a unique and specialized perspective to help solve our client’s most critical business challenges. Transportation > Food & Agribusiness > Manufacturing > Construction > Insuranc & Consulting Connect with a Risk Advisor Today!

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 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 The Sub-Hauler Model What if you could combine the benefits of freight brokers, and keep a consistent partner and stream of freight for the trucking company? Articles VIEW MORE IC Team Connect with our Independent Contractor Team Today

A member-owned group captive empowers your organization with control, financial flexibility, and the opportunity to generate substantial equity. Captives & Programs Providing best-in-class companies a competitive advantage by rewarding great performance. CONNECT WITH OUR TEAM Are you ready to break free from the limitations of traditional insurance? Group captives offer a dynamic solution for best-in-class companies to collaborate with like-minded peers, seize control of your risk financing strategy, and unlock the potential for substantial cost savings and shared profits. The Captive Advantage Video Experience the Captive Advantage with Cottingham & Butler We're not just managing captives, we're shaping the future of risk management. With 12 member-owned group captives under our belt, we have the experience and expertise needed to find a program that perfectly aligns with your strategic vision and financial goals. What’s the Difference? 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 Cottingham & Butler Captive clients have received over $300 million back in dividends . Who We Serve Transportation > Construction > Benefits Stop Loss > Food & Agribusiness > Manufacturing > The Captive Experts The Captive Experts Cottingham & Butler, a leading national insurance broker, has excelled in group captive insurance programs since 1993. Our 12 captives, with 380+ members, achieve an outstanding 99% renewal rate. Our success stems from our dedicated team, rigorous selection process, and consistently lower loss ratios compared to industry standards. A Suite of Resources Provides Support A Partnership That Led to Growth A Community of Peers Safety & Claims Experts Provide Relief How Joining a Captive Changed it All Captive Brochure Ready to learn more about our Captive Solutions? DOWNLOAD OUR CAPTIVE BROCHURE “When it came down to comparing our options and making a decision, we felt the Safe Trucking captive was the best fit for South East Carriers, Inc. We value the relationships we have built with other members and the C&B team.” Jeremy Gobble | President, Southeast Carriers, Inc. Captives & Programs Connect with our Captive Experts Today!

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!