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As the construction industry continues to grow and change, our team of construction insurance and surety specialists is here to help you understand the unique challenges facing your business. Whether you engage in residential, commercial, or municipal projects, we provide customized coverage and service solutions designed to address your specific needs. Construction Industry Cottingham & Butler provides tailored insurance solutions for the construction industry's complex and evolving risks. Don't let construction's dynamic challenges hold you back. Our construction insurance and surety experts become an extension of your team, crafting customized solutions to address your specific project risks – residential, commercial, or municipal. We provide expertise and insurance solutions to address a range of construction business exposures. Coverage Solutions Alternative risk (high deductible structure programs, captives, and risk-sharing pools) Auto Builder’s risk Contractors Professional Contractors Pollution Drone coverage Environmental risks General liability coverage Management Liability (D&O/EPL/Fiduciary/Crime) and Cyber OCIP / CCIP / Wrap-Ups Professional liability insurance Property Surety Umbrella / Excess Workers’ compensation Service Solutions Certificate review Claims advocacy and management COI Tracking Software (RMC) Contract review and insurance policy compliance Contractual risk transfer consulting Experience modification review and analysis Full suite of safety services via wholly owned safety management service company Surety Bonds Toolbox Talks / Safety Training Videos Build Smarter, Build Stronger with CSIL In today's competitive construction landscape, every edge counts. CSIL, Cottingham & Butler’s member-owned group construction captive, empowers you to take control of your insurance destiny. Discover the CSIL captive advantage Featured Expertise The World of Construction Thrives on Trust The world of construction thrives on trust. From blueprints to finished structures, the entire process relies on the commitment of various parties. But what happens when things don't go according to plan? Enter surety bonds – the unseen guarantor of project completion in the construction industry. Investing in a surety bond is an investment in project success. It minimizes financial risks, opens doors to new opportunities, and fosters a collaborative environment built on trust. At Cottingham & Butler, our team of experts helps navigate the surety bond process, securing the most competitive rates and customized solutions for your specific construction needs. EXPLORE BOND OPTIONS Don't Let Statistics Define Your Safety Culture While the construction industry is vital to our modern world, it also holds it’s inherent safety risks. According to the Bureau of Labor Statistics, construction fatalities occur at a rate of 9.6 per 100,000 workers – significantly higher than the national average. These statistics translate to real challenges – workers’ compensation claims, project delays, and increased insurance premiums all stem from a weak safety culture. The good news? A proactive safety approach dramatically reduces these risks. Cottingham & Butler offers comprehensive safety services, including risk assessments and training programs, to empower construction companies to prioritize safety. START BUILDING A SAFER WORKPLACE TODAY! Download our construction brochure to learn more about our team, risk and insurance solutions, safety services, and more! DOWNLOAD OUR CONSTRUCTION BROCHURE Contractual obligations can be complex, but when properly managed, they can help manage the risks inherent to construction contractors. As a Cottingham & Butler client, you get exclusive access to insurance coverage law attorneys, providing the contractual risk transfer guidance you need, and the peace of mind you deserve. LEARN MORE Construction Insight & Impact SafetySMART Success Story: Building a Unified Safety Culture Iowa construction company needed to unify safety programs across six business entities. Case Studies Improving the Prequalification Process for Construction Managers and Subcontractors This article touches on a few strategies for making the prequalification process as effective as possible for all involved. Articles Third-party Litigation Funding and Its Impact on D&O Insurance Third-party litigation funding enables investors to back lawsuits for a share of settlements. Articles VIEW MORE Connect with a Construction Expert!

Our Employee Benefits Practice acts as an extension of your business, helping to efficiently administer highly valued benefits at an affordable and sustainable cost. Employee Benefits Our Employee Benefits Practice serves as an extension of your business, helping clients efficiently administer highly valued benefits at an affordable and sustainable cost. Combining thoughtful analysis with bold strategies, we empower better business decisions and deliver an improved benefits experience. Strategic Employee Benefits Consulting Reimagining Your Benefits Strategy Improve employee satisfaction, save time & money. We craft tailored Employee Benefits Solutions that engage your workforce and optimize your bottom line. Cost Management Employee Rewards & Engagement Compliance Management Population Health & Wellbeing HR & Administrative Efficiency Mergers & Acquisitions Cost Managemet COST SAVING OPPORTUNITIES IN-DEPTH PLAN ANALYSIS IDENTIFIES GET THE FULL STORY! Cost Management Recent studies have shown that family healthcare in the U.S. is now over $31K per year and the #1 cause of bankruptcy for even those with health insurance. By meticulously analyzing your existing benefits plan, we help identify opportunities to minimize expenses while maximizing the value you receive from your program. Unlock Cost-Saving Strategies > Compliance Compliance Management With a staggering 42% of employers facing penalties for benefits compliance errors, staying on top of regulations is crucial. Our team ensures that your benefits plan remains compliant with all industry regulations by conducting thorough audits, implementing crucial updates, and offering access to a variety of tools and expert resources. Stay Ahead of the Curve > HR & Administrative Efficiency Simplify Enrollment & Enhance Perceived Value: Get Your Free, Customizable Flyer Today. HR & Administrative Efficiency Is your HR team bogged down by administrative tasks instead of focusing on strategic initiatives? Streamlining your HR processes with expert support can free up your team by more than 20% to focus on what matters most – your people By creating efficient systems and workflows, we improve employee satisfaction and drive productivity among your team. Explore Solutions > Employee Rewards & Engagement Employee Rewards & Engagement Happy employees aren't just happy, they're loyal. SHRM studies show that happy and engaged employees are 59% less likely to leave your company. We build upon wage-centric discussions by focusing on a holistic approach, enriching your employees' overall experience with your organization. By strategically aligning reward elements, we not only help you attract top talent but also improve employee retention and engagement. Boost Engagement & Attract Top Talent > BenefitWave is a revolutionary departure from conventional survey methods, utilizing decades of consulting expertise to help employers better understand and leverage their employees' benefit preferences. GET EMPLOYEE INSIGHTS WITH BENEFITWAVE Population Health & Wellbeing Clients without a condition management program spend over $13,300 per member, per year for people with a chronic health condition. Discover How Employers Are Achieving Breakthrough Results With a Condition Management Program Population Health & Wellbeing Explore how Population Health Solutions can transform your workforce into a healthier and more productive asset, all while delivering substantial cost savings. Benefit from data-driven insights, personalized wellness programs, and proactive health management to improve employee well-being and boost your organization's bottom line. Uncover the Power of Population Health Solutions > Mergers & Acquisitions Mergers & Acquisitions Allow us to facilitate a seamless transition in benefit structures through effective due diligence and risk evaluation. Our team of M&A experts shine in finding cost-effective procurement strategies to enhance your financial structures, guiding you throughout for a seamless transition and improved operational value. Learn More On How to Protect Your M&A Investment > Avoid Costly Oversights: Download Your Free M&A Due Diligence Checklist Forward by Design We’ve redefined the broker's role, departing from the conventional and embracing the future. Our approach reflects our dedication to empowering your business through year-round benefits planning, steady support, and strategic preparation. Anticipate and Adapt We anticipate changes in the benefits landscape and swiftly adapt strategies to keep you ahead of the curve. Our consultative and proactive stance ensures your benefits program evolves with the industry. Strategic Partnerships, Not Just Transactions We don't just broker deals; we build lasting partnerships. Our approach is collaborative, working closely with you to craft tailored benefit solutions that align with your goals and values. Year-Round Engagement and Support Benefits planning isn't a once-a-year event; it's an ongoing commitment. We believe in accountability and provide continuous support, proactive insights, and strategic guidance throughout the year to optimize your benefits portfolio. Holistic Benefit Ecosystem Beyond insurance, we architect a holistic benefit system. We incorporate wealth, health, and engagement elements, ensuring your employees' well-being and job satisfaction. Let’s Chat! Schedule a Call With Our Team Upcoming Events At Cottingham & Butler, we understand the importance of lifelong learning. That's why we're dedicated to providing you with insightful events throughout the year. Whether you're looking to network, stay informed about emerging trends, or refine your Employee Benefits package, there's sure to be an event fit for you. VIEW ALL EVENTS Featured Expertise Why Forward-Thinking Companies Choose Stop-Loss Captives Feeling the pressure of rising healthcare costs? Healthcare costs have risen by twice the rate of overall inflation over the past decade and are not expected to slow down. For this reason, more companies are embracing innovative solutions like Benefits Stop-Loss Captives. A stop-loss captive offers employers the control of a self-funded plan combined with the security of protection against catastrophic claims. Think of it as a financial safety net that shields you from unexpected healthcare costs. EXPLORE THE STOP-LOSS ADVANTAGE Gaining Control Over Prescription Drug Costs A recent study found that specialty drugs now account for over 50% of total pharmacy expenses, despite representing only a small fraction of prescriptions filled. This translates to significant financial strain on employers. That's where strategic carve-out programs and patient assistance programs come in. GPS, Cottingham & Butler's guided pharmacy solution, empowers employers to gain greater control over high-cost specialty drugs and connect employees with valuable assistance programs. DISCOVER HOW TO SAVE WITH GPS Cottingham & Butler 2024 Employee Benefits Trends Report As employee expectations and demographics shift, the employee benefits landscape keeps evolving. The Benefit Trends Report stands out by zeroing in on what HR teams and corporate executives prioritize: cost management and enhancing employee value. GET YOUR FREE COPY NOW! Insight & Impact Deadline for Submitting Gag Clause Attestation Is Dec. 31, 2025 Learn about federal gag clause prohibition requirements and annual attestation deadlines for group health plans. Essential compliance guidance for employers with fully insured and self-insured plans. Articles IRS Releases Health FSA Limits for 2026 The IRS increased the 2026 health FSA contribution limit to $3,400 (up from $3,300) and the carryover limit to $680. Learn what employers need to know about Rev. Proc. 2025-32 compliance and employee contributions. 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 VIEW MORE Employee Benefits Connect with our Employee Benefits 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. 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

We understand the value of fresh perspectives and eager minds. As a student or recent graduate, you are the future of our industry, and we’re excited to nurture your interests and talents to help build the career you want. Your future starts with Cottingham & Butler We understand the value of fresh perspectives and eager minds. Students and recent graduates play a significant role in shaping the future of our industry. At Cottingham & Butler, we provide an environment and culture where you can learn, grow, and make a lasting impact. Whether you're seeking an internship to kickstart your journey or launching your career as a recent graduate, we have the perfect path for you. Explore our opportunities now and take the first step towards your future. Internship Program > Graduate Careers > Internship See what makes interning at Cottingham & Butler the ultimate learning experience. Internship Program 1:1 Mentorship Get 1:1 mentorship, manager support, and direct access to the Cottingham & Butler leadership team. Never underestimate your potential. As a Cottingham & Butler intern, you'll take on specific responsibilities, putting you front and center with clients and within various business functions, all while gaining a 360-degree view of life at Cottingham & Butler. Applications for the 2026 internship program will open mid-August 2025. Internship Class : 2017 Current Role : Vice President, Transportation Lexi Myers MEET LEXI Graduate Graduate Careers Start your career by doing something meaningful. A career at Cottingham & Butler means belonging to an ideas-driven culture that embraces new perspectives to solve complex problems. Whether engaging clients or contributing to our operations, every day brings a new challenge, accompanied by an ever-expanding level of responsibility. VIEW FULL-TIME CAREER OPPORTUNITIES Launch Your Career with Confidence Learn from C&B Insiders for advice to make a lasting impression during your interview. LAND YOUR DREAM JOB AT C&B Access Our Resume Writing Guide Now to Create a Personalized, Winning Resume REVAMP YOUR RESUME Read these five career advancement lessons from a Cottingham & Butler leader. START YOUR JOURNEY What We Look For In Early Career Candidates Who You Are Embrace your individuality, share unique experiences that will contribute to our dynamic business culture. How You Think Demonstrate strategic and innovative problem-solving skills vital for overcoming challenges in service to our business and clients. What Matters to You Showcase your values aligned with our commitment to integrity, emphasizing a positive impact within our organization and the broader community. Artfile-05 Artfile-03 IMG_8052 Artfile-05 1/4 Young Professionals Network Connecting young professionals with each other, the business community, and the city in which we live, work, play, and do business. LEARN MORE ABOUT YP DUBUQUE Connect with our Recruiting Team!

Our team of Private Equity and M&A experts are dedicated to increasing client value at every stage of the investment process with our comprehensive products and services. Private Equity and M&A Advisory Services Empowering clients to maximize returns by strategically reducing risk across their portfolio. In a market defined by unpredictability, high deal costs and significant risks, optimizing portfolio performance is more critical than ever. Cottingham & Butler’s holistic risk management approach delivers measurable value by safeguarding assets, enhancing workforce management, and driving cost efficiencies across your entire portfolio. Our team of Private Equity and M&A experts are dedicated to increasing client value at every stage of the investment process with our comprehensive products and services. Risk Management Solutions We specialize in delivering comprehensive, tailored insurance and risk management solutions that drive superior results for private equity firms. Our expertise in property and casualty insurance ensures that your portfolio companies are protected, compliant and optimally positioned for growth and profitability. In-Depth Risk Management Assessment We provide thorough risk, coverage, and cost evaluations during the due diligence process, identifying potential liabilities and gaps to inform better acquisition decisions. Insurance Program Optimization Our team reviews and benchmarks existing insurance policies, recommending enhancements to ensure comprehensive protection and cost savings. Broad Market Access Our extensive network of relationships with leading insurers domestically and across the world allows us to access a wide range of coverage options and competitive pricing. Customized Solutions We design and implement insurance programs tailored to the specific needs and risk profiles of each portfolio company, ensuring optimal coverage and cost-efficiency. Claims and Safety Management Our dedicated claims advocacy team helps negotiate and expedite claims processing to maximize recoveries. Safety Programs Our safety company SMSC provides tailored assessments, comprehensive training, and effective protocols to enhance workplace safety and reduce incidents to better protect employees and assets. Schedule a Portfolio Risk Assessment! LEARN MORE Benefits Advisory Our employee benefits experts provide strategic consulting and tailored solutions to optimize benefits programs across your portfolio companies, ensuring maximum value and employee satisfaction. Due Diligence Our specialized M&A benefits team conducts thorough due diligence, identifying potential liabilities and synergies in target companies' benefit structures to inform deal valuations. Benefits Design We design and implement competitive, cost-effective and scalable benefits plans that can flex with portfolio company growth. Competitive Benchmarking Our proprietary benchmarking allows us to align portfolio company benefits with industry standards, ensuring competitiveness while controlling costs. Rate Negotiation We leverage our market power to negotiate superior rates and terms for portfolio-wide benefits programs, reducing costs while enhancing coverage. Compliance Support Our in-house compliance team offers ongoing support to navigate complex regulatory landscapes, mitigating risks across your portfolio. Benefits Technology We deploy and optimize industry-leading benefits technology solutions across your portfolio, streamlining administration, improving employee engagement, and providing actionable data insights. Post-Acquisition Management We provide expert guidance on benefits harmonization post-acquisition, minimizing disruption and maximizing employee retention during critical integration periods. The Cottingham & Butler Difference Delivering Unparalleled Value in Private Equity An Exceptional Team Our success stems from a distinguished Private Equity team, blending seasoned leadership, specialized analysts, and diverse experts to deliver comprehensive, results-driven insights. Get Started Don't just take our word for it – experience our expertise firsthand. We offer multiple ways to get acquainted and demonstrate the value we bring to your portfolio: Acquisition Due Diligence Let us conduct a thorough due diligence on your next acquisition, showcasing our expertise in risk assessment and value identification. Portfolio Company Deep-Dive Engage us for an in-depth analysis of a portfolio company that needs strategic intervention. We'll provide actionable insights to drive performance. Portfolio Benchmarking Gain a competitive edge with our comprehensive benchmarking across your portfolio companies, identifying opportunities for growth and optimization. 4th largest privately and independently held broker in the US – big enough to deliver, small enough to care Private Equity and M&A Insight & Im pact Merger & Acquisitions Insurance Considerations During a merger or acquisition, both parties must review and update their insurance coverages to ensure all risks are accounted for. Articles Mergers & Acquisitions: Manage the Hidden Risks Discover how to navigate hidden risks in mergers & acquisitions. Uncover essential tips for managing liabilities & protecting your company. Articles Managing Cyber Security During a Merger or Acquisition During a merger or acquisition, cybersecurity is, unfortunately, often put on the back burner. Articles VIEW MORE Schedule a Consultation with an Expert!

As CEO, David uses his extensive experience in business strategy and growth to lead the overall operations of Cottingham & Butler and its subsidiaries. His leadership ensures that our clients consistently receive superior service and innovative solutions, embodying our dedication to excellence. David O. Becker President & CEO For over 20 years, David Becker has served as Chief Executive Officer and President of Cottingham & Butler, leading all business operations for the company and its subsidiaries. His approach to leadership supports the firm’s overarching value of partnering with clients to protect their most valuable assets through values of integrity, transparency, dignity, and respect. Before his tenure began at Cottingham & Butler, David spent 8 years with McKinsey & Company in Chicago, IL, where he acted as a Partner specializing in issues related to strategy and marketing. Prior, David worked for IBM in a sales and marketing capacity. Within his community of Dubuque, Iowa, David serves as a board member for the Greater Dubuque Development Corporation. David is also an active member of the Washington University Olin School of Business National Council, and formerly held the position of President for the Council of Insurance Agents and Brokers. David earned his BS in Computer Science as well as his MBA from Washington University in St. Louis, Missouri, where he graduated magna cum laude. He then continued his academic pursuits at Harvard Law School, earning his Juris Doctorate in 1995.

Our consulting team is committed to assessing your organization's risks and providing insights and guidance for navigating legislative and economic shifts that directly impact your business's sustainability. Navigating Compliance with Confidence We empower you to navigate complex compliance environments confidently, freeing up your energy to drive business growth. CONNECT WITH OUR TEAM Benefits compliance errors can lead to costly penalties and disruptions. Our team, including on-staff compliance attorneys, helps you stay ahead of regulations, minimizing risk and ensuring a smooth benefits experience for your employees. Compliance Updates Get the Latest Updates & Expert Guidance. Staying on top of ever-changing benefits regulations can be a challenge. Even minor missteps can result in hefty fines, employee frustration, and operational disruptions. Let us help you navigate the complexities of compliance with ease. VIEW LATEST COMPLIANCE NEWS Deadline for Submitting Gag Clause Attestation Is Dec. 31, 2025 Learn about federal gag clause prohibition requirements and annual attestation deadlines for group health plans. Essential compliance guidance for employers with fully insured and self-insured plans. Articles Using Affordability Safe Harbors to Avoid ACA Penalties Navigate ACA employer mandate requirements with our complete guide to affordability safe harbors, featuring updated rates and practical examples. Articles Focus on Employer Impact: The One Big Beautiful Bill Act Explore key employer impacts of the One Big Beautiful Bill Act: increased FSA limits, permanent telehealth coverage for HDHPs, student loan benefits, new Trump Accounts, and tax-free overtime compensation through 2028. Articles One Big Beautiful Bill Act Signed Into Law Learn how President Trump's One Big Beautiful Bill Act (OBBB Act) impacts employee health benefits, HSAs, telehealth coverage, and direct primary care arrangements. Key changes explained. Articles Benefits Compliance Services Navigate State & Federal Legislation Identify potential risks of penalties and lawsuits due to non-compliance. Welfare Strategic Planning Develop multi-year strategic plans to ensure compliance with DOL, HHS, and IRS regulations. ERISA Compliance & Guidance Follow an annual federal disclosure compliance calendar, inclusive of employee notices, guides, timelines, and checklists to maintain adherence. Internal Revenue Code Expertise Receive guidance on IRC 125/cafeteria plans, health benefits, and relevant tax rules concerning employee benefit plans. ACA Compliance and Resource Support Access educational materials, timelines, sample employee letters, forms, notices, and waivers for ACA mandates, reporting, penalties, and taxes. Streamline COBRA Administration Efficiently manage COBRA administration, ensuring compliance and smooth transitions for employees during benefit changes. Accurate 5500 Filings Handle precise and timely Form 5500 filings, providing accurate documentation for regulatory compliance. Expertise in HSA, FSA, HRA Management Oversee and optimize HSA, FSA, and HRA management, tailoring solutions to maximize benefits and tax advantages for your organization and employees. Compliance Insights Deadline for Submitting Gag Clause Attestation Is Dec. 31, 2025 Learn about federal gag clause prohibition requirements and annual attestation deadlines for group health plans. Essential compliance guidance for employers with fully insured and self-insured plans. Articles Using Affordability Safe Harbors to Avoid ACA Penalties Navigate ACA employer mandate requirements with our complete guide to affordability safe harbors, featuring updated rates and practical examples. Articles Focus on Employer Impact: The One Big Beautiful Bill Act Explore key employer impacts of the One Big Beautiful Bill Act: increased FSA limits, permanent telehealth coverage for HDHPs, student loan benefits, new Trump Accounts, and tax-free overtime compensation through 2028. Articles VIEW MORE Compliance Connect with our Employee Benefits Team!

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

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!

Whether you're an owner-operator or manage a national fleet, safeguarding your drivers, trucks, and cargo is critical for success. Client Impact Stories Delivering Better Outcomes Every Day Driving Results That Matter At Cottingham & Butler, we believe every challenge has a solution. Explore how we partner with clients to create breakthrough solutions that deliver meaningful, measurable impact. EMPLOYEE BENEFITS TRANSPORTATION PROPERTY & CASUALTY Employee Benefits Employee Benefits $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. $450,000+ Saved Through Strategic Risk Transfer Solutions Illinois manufacturer transforms 42% healthcare cost increase into $450K+ savings through innovative treatments and strategic risk management solutions. Midwest Real Estate Company Goes From a 37% Increase to an 11% Decrease Midwest Real Estate Company Goes From a 37% Increase to an 11% Decrease with the help of Cottingham & Butler. 1 2 3 4 5 Transportation Transportation From Good to Great: Transform Your Safety Culture Through Group Captives Discover how Cottingham & Butler's transportation captive insurance programs help trucking companies gain control, reduce costs, and improve safety. Hear from industry leaders like Karen Smerchek, Veriha Trucking President and TCA President on proven results. From Good to Great: The Schuster Company Captive Story Through strategic claims handling and safety partnerships, see how Schuster Co. transformed standard practices into competitive advantages. Finding Strength in Numbers: How a Captive Program Transformed a Trucking Operation From accountant to trucking CEO, Brett Phillips transformed The 1975 Transportation Group through strategic insurance partnerships. 1 2 Case Study Property Casualty Property & Casualty 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. SafetySMART Success Story: Building a Unified Safety Culture Iowa construction company needed to unify safety programs across six business entities. A Program Overhaul Achieves $346,000 in Premium Savings Discover how an aluminum products company transformed their property insurance program through strategic risk management with C&B. 1 2 3 “Our collaboration with Cottingham & Butler has been transformative.” Rihm Kenworth Connect with our Team of Experts Up

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