The Cottingham & Butler group captive insurance model allows trucking companies to break free from the standard market, take control of their insurance program, reduce costs, and invest in themselves. Transportation Captives Cottingham & Butler Captives & Programs deliver alternative risk solutions for best-in-class companies. CONNECT WITH OUR TEAM Cottingham & Butler transportation captives provide best-in-class companies a competitive advantage by rewarding great performance. Captive Advantage LEARN MORE ABOUT THE CAPTIVE ADVANTAGE Securing Your Future With Our Experience With substantial experience supporting risk-sharing alternatives, you can count on Cottingham & Butler’s rich experience, expertise, and innovative captive solutions. The Cottingham & Butler Group Captive Insurance Model allows trucking companies to break free from the standard market, take control of their insurance program, reduce costs, and invest in themselves. Sole Producer for the World's Two Largest Transportation Captives Serving Over 252 Transportation Captive Members Globally Achieving a Remarkable 99% Member Retention Rate Leveraging Over 300 In-House Trucking Insurance Experts Comprehensive Programs and Services To Prepare You for Captive Insurance Dedicated In-House Teams Focused on Transportation Claims and Safety Establishing and Managing Industry Leading Captives Since 1992 Knowledge & Resources Trucking Companies Turn to Captive Insurance Programs to Control Rising Insurance Costs READ THE FULL ARTICLE Current Quarter Market Report DOWNLOAD THE 2024 Q4 REPORT Ready to learn more about our Transportation 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 Transportation Captive Contact Contact our Transportation Captive Experts Today!

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 The 2026 Transportation Summit Recap t. Whether you missed the Summit altogether, missed a session or two, or attended and want a closer look at what matters most, this recap highlights the key takeaways from each session and the biggest themes for carriers heading into 2027. Transportation Where Rates Stand in Q2 2026 The turn that started in Q1 is broadening. Q2 posted a second straight quarterly decline, property is leading the drop, and auto and umbrella are still climbing. Here is what moved, why, and how to think about it. Property & Casualty Contingent Business Interruption Insurance Just one brief business interruption can be incredibly costly for an organization, often leading to serious reputational damages or long-term closures. Standard business interruption policies are vital in these instances, providing protection against a variety of common interruptions, including natural disasters, equipment damage and vandalism. Articles VIEW MORE Connect with a Transportation Expert!

Manufacturing Leveraged best practices and good loss experience to return $80,000 year after year Up Published on Written by: Page View A best-in-class processing equipment manufacturer had been seeing a decrease in their loss experience, yet they were not seeing a decrease in how much they were paying for insurance. They were curious to learn if there was a way to incentivize their increased focus on safety and best practices. Their current program was "off the shelf" and was not designed to meet their specific needs. After engaging with Cottingham & Butler's Risk Management Assessment (RMA) , they quickly learned that there was not only a better way to buy insurance, but that there were significant coverage deficiencies in their program. The company recognized the value of a customized loss-sensitive program, as well as having a broker partner who would advocate on their behalf for claims. Program Design Delivered a loss-sensitive program option, Horizon, that would allow the company to receive up to 50% of their premium back for good loss years. Identified 3 carriers that had never seen the account before, and had an interest in the business. Coverage Identified 20 coverage deficiencies in their existing program. Significant deficiencies include: Multiple sub-limits were inadequate compared to their operations. The policy was designed for Architect and Engineering Professionals, NOT for Manufacturers. Multiple exclusions related to the core business operations of the company were present. No flood/earthquake coverage in a high-risk area. Contractual Risk Transfer Highlighted areas of concern and how their current risk transfer methods were inadequate for their industry and line of work. Cottingham & Butler put together recommendations and corrected critical mistakes in policy language Stability After joining Horizon, the company experienced a large loss in its first year of implementation. Even after the loss, their spend was similar. By paying in guaranteed cost, they avoided the increases they would have seen in the standard market. Since then, the company has received $80,000+ each year for their good loss experience. Claims Advocacy While the company had great loss experience, they had not previously received any claims reviews or advocacy services. After being made aware of the impacts of delayed reporting, their claims reporting processes were improved and consistent claim reviews were scheduled with the team. April 25, 2023 Cottingham & Butler View All Posts TAGS: Article Case Study Employee Benefits Manufacturing Property & Casualty Claims Management Coverage Basics Cyber Loss Control & Prevention Mergers & Acquisitions Upcoming Events SAFETY TRAINING October 14, 2026 FMCSA 101: A Practical Introduction to FMCSA Compliance Don't let compliance be complicated. Join us for a one-day training built for new & current safety professionals, fleet managers, operations personnel, and anyone who wants a compliance refresher. Register Now! Register Now! WEBINAR December 17, 2026 End of Year Wrap-Up & Looking Forward to 2027 The compliance landscape for health and welfare benefit plans continued to evolve throughout 2026. As the year winds down, this webinar will recap the most impactful regulatory developments and compliance changes from 2026 and what they mean for employers. We’ll also preview what’s ahead in 2027, including anticipated rules, deadlines, and trends that could shape benefit planning. Register Now! Register Now! WEBINAR November 19, 2026 Mid-Year Election Changes When employees request mid-year benefit changes, the rules aren’t always straightforward. In this session, we’ll examine the interaction between HIPAA special enrollment rights and Section 125 cafeteria plan election change rules, highlighting when changes must be permitted—and when they may be restricted. We’ll also explore key differences between requests to add coverage versus drop coverage mid-plan year, helping employers administer changes consistently and compliantly. Register Now! Register Now! View All Events Connect with a C&B Representative 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

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!

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!

BenefitWave is a revolutionary departure from conventional survey methods, utilizing cutting-edge technology and decades of consulting expertise to help employers better understand and leverage their employees' benefit preferences. Employers often assume they understand what employees want, but do they truly grasp how satisfied employees are with their benefits packages? CONNECT WITH OUR TEAM Employee satisfaction with benefits is crucial to recruit and retain top talent. However, typical surveys lack depth and offer generic results, making it challenging for employers to make strategic decisions. 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. Research indicates that most job seekers prioritize benefits over salary, with 80% being willing to accept lower pay for better benefits. REQUEST A DEMO WITH OUR TEAM! BenefitWave Discovers Insights on What Employees Value Most By gaining a better understanding of employee preferences with Benefitwave, a Midwest-based engineering firm with over 400 employees received valuable insights on where to invest and what changes to implement in their benefits packages for 2025. READ THE FULL CASE STUDY The BenefitWave Advantage: Expert Guidance Expert benefits consultants align employee needs with cost-effective benefit value. Trade-Off Preferences Unravel what truly matters to your employees by presenting benefit trade-offs. Data-Driven Design Identify key value-driving decisions to design tailored benefit programs that attract and retain top talent. Why Employee Benefits Analysis Matters Customized Benefits Creation : Transform raw employee feedback into precisely tailored benefit packages that resonate with individual needs. Deeper Understanding : Dive into employee data and gain insights beyond surface preferences, crafting benefits that elevate satisfaction effectively. Strategic Budgeting : Discover where additional budget allocation generates maximum impact, ensuring value-driven benefit strategies. SCHEDULE A TIME WITH OUR TEAM! Design and deliver a total rewards program that turns employee feedback into the perfect benefits package. Uncover priorities for a happier, more engaged workforce. “What matters most to your employees: Paid Time Off or Workplace Flexibility?” Discover insights to tailor your benefits effectively. "In a trade-off between higher medical deductibles or increased premiums, which do your employees prefer and by how much?” Understand preferences to enhance employee satisfaction. "What holds greater value for your team: 401k Match or Tuition Reimbursement?” Gain insights to optimize your benefits program and attract & retain top talent. "If given additional budget for benefits, where would it create the most value?” REQUEST A DEMO WITH OUR TEAM! Employee Benefits Insight & Impact MLR Rebates & How to Handle Them Each year, employers sponsoring a fully insured group health plan may receive a medical loss ratio (MLR) rebate from their insurer. Under the ACA's MLR rules, insurers must provide rebates when their spending on clinical services and quality improvement activities, relative to premium revenue, falls below the applicable MLR standard. Employee Benefits DOL Issues New Guidance on Mental Health Parity Rules Enforcement The Mental Health Parity and Addiction Equity Act (MHPAEA) requires group health plans that offer mental health or substance use disorder benefits to provide those benefits on terms that are no restrictive than medical/surgical benefits. That’s the “parity” part of the law. Employee Benefits Annual Non-Discrimination Testing Does your organization need to run nondiscrimination testing on its cafeteria plan every year? In this video, Bret McKitrick, VP of Compliance at Cottingham & Butler, explains why the IRS cares about who benefits from these plans, why testing is the only real way to prove your plan isn't discriminatory, and what risks to weigh if you decide to skip it. Spoiler: it's a "maybe, kinda, yeah, sort of" answer, and Bret walks you through why. Employee Benefits VIEW MORE BenefitWave Start today by contacting a Benefits Consultant to learn more.

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

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!

More than 2,500 trucking companies nationwide depend on Cottingham & Butler for their insurance needs. Get a quote today from the #1 commercial truck insurer. Get a quote with the top commercial truck insurer. CONNECT WITH OUR TEAM More than 2,500 trucking companies nationwide depend on Cottingham & Butler for their insurance needs. Get a quote now! >> Why Choose Cottingham & Butler? Dependable Coverage Our policies are customizable, allowing you to choose the coverages that best suit your business. We specialize in trucking, which gives you the peace of mind knowing both you and your trucks are protected on and off the road. Affordable Rates Are you looking for affordable insurance but worried about sacrificing quality and service? We’ll help you compare insurance rates to find you the most affordable premiums and work hard to ensure ‘cheap’ only describes your rates, not the quality of service. Quality Service You have loads to manage, so let us handle the insurance. With Cottingham & Butler, you’ll be backed by the trucking industry’s best customer support team. Our clients also receive exclusive access to the latest industry news, valuable safety support and responsive, friendly and experienced service representatives. Trucking Expertise We know trucking. Having been in business since 1987, we now serve over 2500 trucking companies of every size and from coast to coast. You can rest assured that we have the experience, reliability and strength to navigate today’s challenging commercial insurance market. Trucking Get a Quote Contact Contact our Trucking Experts Today!

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 $350 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!

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 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 Wellness Program Goals This video explains how to align your wellness strategy to improve culture, support wellbeing, or meaningfully reduce healthcare costs. On-Demand 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 VIEW MORE Population Health Connect with our Team of Experts Today!