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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!

Manufacturing Managing a "Hard" Insurance Market Up Published on Written by: Page View May 16, 2023 John Link In the 1996 movie classic, “Twister,” Dusty runs out of the RV at the drive-in movie theater and yells to Bill, “It’s coming! It’s coming straight for us!” and Bill replies with an apprehensive and fearful look at the ominous, night sky, “It’s already here.” That scene reminds me of the property insurance world and the hard market. The “hard market” isn’t coming—it’s already here! For those of you new to this terminology, a “hard” insurance market represents a period of rising rates, less capacity, and unfavorable terms mandated by insurance companies to the insurance buyer. Our team at Cottingham & Butler has been sounding the bell about the hard market, and dealing with a challenging property renewal is less about “if” than “when.” Ten years ago, a dozen admitted insurance carriers would insure property insurance for foundries—today there are less than five. This article is designed around what you can do to be prepared to manage upcoming insurance renewals. Let’s start with a brief overview of the current insurance market. Property insurance is no longer (and hasn’t been for a while) a regional issue. In today’s climate, what happens in Florida or California, affects us in the Midwest and vice versa. We’ve dealt with wildfires, windstorms, snowstorms, hurricanes, and flooding. These natural catastrophes have caused many billions of dollars in claims costs to insurers. In 2022, natural disaster damages were over $115 billion and that follows $121 billion in 2021. Along with those disasters, the industry still manages the additional losses from less catastrophic but just as costly claims ranging from fires and explosions to broken water pipes. View the column in Modern Casting's digital edition. In response, insurance carriers and their insurance providers (known as reinsurance carriers) are increasing their rates, diminishing their appetite for risk, offering less favorable terms, and heightening underwriting scrutiny. In December 2022, Ernst & Young Global predicted reinsurance rates to rise 50% during the January 2023 renewals, setting the stage for further increases throughout 2023. Another factor impacting insurance costs is the valuation of assets and inflation. The material costs of construction (e.g., concrete, drywall, pvc pipes, etc.) are up as much as 53% year-over-year. Lumber cost is the one category that saw a reduction during 2022. With that in consideration, many property valuations on insurance schedules are likely undervalued versus their true cost. The cost to rebuild your facility is significantly higher than it was three or four years ago. When was the last time you had a formal appraisal of the cost to replace your building? Likely you haven’t and therefore insurance carriers are scrutinizing the cost per square foot much closer. One final factor for the foundry industry is reputation. Google search “foundry fires” and “foundry accidents” and look at just the first results page. This is what underwriters and insurance company analysts see and use to formulate their opinions about foundries. Despite the fact that every day, 1,750 foundries are operating safely, historical events influence and cast doubt on the viability of a foundry as a good underwriting risk. These factors create the perfect storm for insurance companies to dictate purchasing terms in what we collectively call a “hard” market. In some cases, insurance companies are simply walking away from insuring what they consider “riskier” businesses. Metalcasting is one category that is considered high risk and unfavorable for underwriting. From the graph in Figure 1, the property market is seeing continued upward pressure for the last six years with a substantial spike during the latter part of 2022. The first quarter of 2023 rate increases so far have continued their upward trend. With that said, you can survive the hard market. It takes additional work and effort on your part and the part of your insurance broker, however. Here are some strategies on what we can collectively do to get through these challenging conditions:   1. Strategize with your broker and do it early! The standard approach taken by insurance brokers for the renewal process is to make submissions 90 days in advance of the expiration date with the likelihood of having the renewal finalized two weeks before your policies expire. That process works in a soft market but in the market we are in today, that process will fail. Instead, have your planning meeting five months in advance of the expiration date, update all underwriting materials, and make sure submissions go out early. Every insurance company is going to want loss control, every insurance company is going to question the values, and every insurance company is going to have to go to their reinsurance markets to build limits for your business. This takes time so use it to your advantage.   2. Decide on your risk tolerance. What deductibles can you live with? Does every structure need to be insured? Does the program need to be on replacement cost or would actual cash value suffice? These are questions many businesses are considering in order to lower their insurance premiums.  3. Update your values. When was the last time you hired an appraisal company to provide a true estimate on the replacement cost value of your buildings and equipment? When I ask that question, the answer is typically “It’s been years” or “Never.” Insurance companies are going to demand the values of your buildings be based on either a third-party valuation or another metric for you to justify why your 50,000-sq.-ft. facility is insured for $2.5 million when their data suggests it should be valued at $6 million. Higher values drive more premium, which insurance companies want; therefore, take control and tell them what your values are. If you don’t, they will dictate those terms to you, which could cost you tens of thousands of dollars.   4. Satisfy the loss control recommendations. This may be the most critical area for your team to review and the one area you can directly control. Remember when the loss control person from the insurance company visited your facility and then provided you a list of “recommendations” for improvements? You likely “filed” this and moved on with your day. No more! If those recommendations (let’s call them mandates) are not addressed or completed to the insurer’s satisfaction, there is a high likelihood that insurance carrier will non-renew your insurance policies.Key areas to review are: Fire protection: We all know we can’t have sprinkler systems over the pour floor, but insurance carriers will expect sprinkler systems everywhere else, especially your pattern and mold shops and storage areas. Hot work permit systems: I’ve seen this on almost every inspection report and the requirement to have a hot work scope of work and procedures written out in detail. Dust collection: More and more carriers will want to see updated dust collections systems with spark detection and fire suppression as part of the system. Flammables: Everything from 275-gallon solvent totes to 1 gallon paint cans need to be stored properly and away from heat and flame. I had one insurance carrier dictate they would only offer a quote if the foundry would build a separate building with sprinklers for the foundry to store all their placard flammable materials.   5. Be thorough in your description of operations. Do your insurance underwriters actually know who you are and what you do and what makes your business different from all the other metalcasters they get submissions on? Having a narrative or a “description of operations” on your business is an often overlooked part of the insurance marketing process, but if you don’t have one, then you are relying on an application and the Google search the underwriter will review to be the narrative. Again, take control and get your story told the way you want it told.   6. Know your insurance policies. I know you are working with your broker to be your advisor, but I would suggest educating yourself on what is in your insurance policy and what you are actually paying premium for. How is the business interruption and extra expense calculated? Is your policy a blanket or scheduled? What are the sub-limits? The key is to be an educated consumer so you can negotiate your options effectively.  7. Meet with underwriters directly (if this makes sense). This goes hand in hand with the description of operations discussion in that the underwriters need to know who you are and your business. Do you know many of the underwriters I speak with have never been in a foundry? Yet, we expect them to write the insurance for you! Work on getting your underwriter to come to your facility so they can see firsthand your operations and what you are doing to make your operations best in class. If you don’t feel your facility is ready for an underwriter visit, consult with your broker to uncover the steps to be prepared for this visit. The hard market is not going away anytime soon. In this market the insurance companies control who they will sell to and the terms of the sale. As buyers of insurance, the more educated we can be about the seller’s interests the better we can position ourselves for the best terms. Therefore, take charge of what you can control: Update the valuation of your assets. Conduct and document safety, site management, and basic housekeeping. Document and communicate facility upgrades and improvements. Create a clear description of operations. Partner with your insurance broker/agent for a renewal marketing plan. There are many things we cannot control, such as the facultative reinsurance market or if the insurance company “suits” decide they are pulling out of writing more foundries. However, focusing on what we can control and taking action will drive results. An adage around our firm is, “We can’t direct the wind, but we can adjust the sails.” As the storm continues to churn and winds blow, let’s adjust the sails and find calmer seas. JOHN LINK, CPCU,CIC Vice President, Risk Management 563.590.0428 jlink@cottinghambutler.com View All Posts TAGS: Article Manufacturing Metalcasting Upcoming Events IN-PERSON May 20-21, 2026 2026 Transportation Safety Workshop Join us for an immersive two-day safety workshop designed to enhance your transportation safety program. Engage with industry experts and fellow safety professionals as we explore critical areas including FMCSA compliance strategies, cutting-edge safety technologies, effective claims management, and cargo theft prevention, plus experience our dynamic mock trial session that brings real-world legal scenarios to life. Through structured networking opportunities, you'll build connections with other safety professionals, share challenges and solutions with peers who understand your daily operations, and leave with practical strategies you can implement immediately to strengthen your compliance program, optimize your safety technology, and enhance your risk management approach. Register Now! Register Now! WEBINAR December 16, 2026 OSHA Recordkeeping & ITA Compliance 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 November 17, 2026 FMCSA HOS Exceptions & Operational Flexibility In an ideal world, how much easier would fleet management be? Drivers' loads would align seamlessly with available driving hours, parking availability would consistently match HOS limitations, and drivers would arrive back home every Friday night like clockwork. However, the realities of modern trucking operations present constant challenges that require comprehensive knowledge of Hours of Service (HOS) regulations and exceptions. Join Joshua Anderson in this webinar as we examine strategies for carriers and drivers to navigate regulatory compliance effectively within the complexities of real-world operations. Register Now! Register Now! View All Events Connect with a C&B Representative Today!

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!

IN-PERSON Better Every Day Seminar / Minneapolis Thursday, June 25th | 11:300AM – 4:30PM Surly Brewing, Scheid Hall 520 Malcolm Ave SE, Minneapolis, MN 55414 Join us at Surly Brewing in Minneapolis, MN for an engaging day where you'll gain quick-hit strategies on healthcare cost management, compensation and financial wellness, and employee retention through interactive Power Talks. The day opens and closes with powerful personal leadership sessions to help you maximize your impact at your organization. Connect with like-minded HR professionals throughout the day during networking breaks and a provided lunch and breakfast. This event is HRCI/SHRM accredited. Register today to secure your spot! June 25, 2026 11:30 AM – 4:30 PM Minneapolis, MN An Agenda Filled with Insight 11:30 AM – 12:30 PM | Registration, Lunch, & Networking 12:30 PM – 2:00 PM | Keynote 1: Authentic Leadership in Action 2:00 PM -2:15 PM | Break 2:15 PM – 3:30 PM | Benefits & Business: 20-Minute Power Talks on Critical Trends For All Employers Why Financial Literacy Education Could Be the Most Valuable Benefit You Offer to Employees Misaligned Incentives: One of the Big Reasons Healthcare Costs Are Spiraling and How To Regain Control Weight Loss & Wellbeing: The Ultimate Retention Tool or A Wasted Expense? 3:30 PM – 4:15 PM | Keynote 2: Finding Nirvana: Do Less. Achieve More. 4:15 PM - 5:00 PM | Happy Hour Presenters Paul Tourville Paul T. Tourville, Partner, CASL Trent Tangen Assistant Vice President - HealthCheck360 Nicole Pfeiffer Senior Vice President, Benefits - Cottingham & Butler Fallon Millerski Account Executive - HealthCheck360 Cat Gebhardt Benefits Consultant - Cottingham & Butler Tammy Rogers BecomeMore Group Jill Lange Vice President, Benefits - Cottingham & Butler BJ McAndrew Sales Executive, Benefits - Cottingham & Butler Thank You Sponsors Interested in Sponsoring? EXPLORE OPPORTUNITIES Upcoming Events IN-PERSON May 20-21, 2026 2026 Transportation Safety Workshop Join us for an immersive two-day safety workshop designed to enhance your transportation safety program. Engage with industry experts and fellow safety professionals as we explore critical areas including FMCSA compliance strategies, cutting-edge safety technologies, effective claims management, and cargo theft prevention, plus experience our dynamic mock trial session that brings real-world legal scenarios to life. Through structured networking opportunities, you'll build connections with other safety professionals, share challenges and solutions with peers who understand your daily operations, and leave with practical strategies you can implement immediately to strengthen your compliance program, optimize your safety technology, and enhance your risk management approach. Read More Register Now WEBINAR October 22, 2026 The Impact of Drugs & Alcohol in Trucking Substance abuse in the trucking industry poses serious risks—not only to drivers, but to public safety, company reputation, and regulatory compliance. This webinar explores the far-reaching impact of drugs and alcohol on commercial driving performance. SMSC Senior Safety Consultant Anne-Marie Naples will help participants gain a clear understanding of DOT regulations and testing protocols. Read More Register Now WEBINAR December 16, 2026 OSHA Recordkeeping & ITA Compliance 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. Read More Register Now WEBINAR September 15, 2026 Securing the Scene: Best Practices After a Collision When a crash occurs, the first few minutes—and the days that follow—can shape the outcome for your fleet, your drivers, and your business. This webinar hosted by SMSC Senior Safety Consultant Justin Smoot equips trucking professionals with the tools to respond effectively at the scene, preserve critical evidence, and initiate a thorough post-crash investigation. Beyond immediate response, Justin will dive into how fleets can determine “preventability,” implement remedial training, and use coaching to reduce repeat incidents. Read More Register Now WEBINAR November 17, 2026 FMCSA HOS Exceptions & Operational Flexibility In an ideal world, how much easier would fleet management be? Drivers' loads would align seamlessly with available driving hours, parking availability would consistently match HOS limitations, and drivers would arrive back home every Friday night like clockwork. However, the realities of modern trucking operations present constant challenges that require comprehensive knowledge of Hours of Service (HOS) regulations and exceptions. Join Joshua Anderson in this webinar as we examine strategies for carriers and drivers to navigate regulatory compliance effectively within the complexities of real-world operations. Read More Register Now WEBINAR August 18, 2026 Safety Training That Sticks: Learning Principles in Action Safety Training That Sticks: Learning Principles in Action” hosted by SMSC Safety Consultant Austin Smith is a dynamic, instructor‑focused webinar designed to help trainers deliver safety education that truly resonates with adult learners. This session explores how to move beyond lecture‑heavy sessions and instead create training that is interactive, memorable, and impactful. Grounded in proven adult learning principles, the presentation highlights how adults learn best: through relevance, experience, problem‑solving, and hands‑on involvement. Participants will discover practical techniques for turning passive attendees into active contributors—ensuring higher retention and stronger safety performance on the job. Read More Register Now View All Events Connect with a C&B Representative 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!

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

IN-PERSON Better Every Day Seminar / Trucking / Dallas Wednesday-Thursday | April 29-30, 2026 Renaissance Dallas Hotel Join us in Dallas, TX at the Renaissance Dallas Hotel for our first annual Trucking Seminar where industry leaders will share proven strategies to tackle your biggest challenges in 2026. Discover what's actually working to attract and retain talent through our exclusive 2025 Trucking Compensation & Benchmark survey results, learn how top-performing carriers are beating industry turnover trends, and gain actionable tactics to reduce rising prescription drug costs without driver backlash. We'll also cover critical compliance topics like leave of absence management and high-risk member care strategies that protect your bottom line while keeping operations running smoothly. April 29-30, 2026 8:00 AM Dallas, TX An Agenda Filled with Insight April 29th 6:00 PM | Networking Dinner at Renaissance Dallas Hotel rooftop lounge April 30th 8AM-9AM | Breakfast & Registration 9AM – 9:15AM | Welcome and thank you sponsors 9:15AM – 10AM | 2026 Trucking Comp & Benchmark Highlights 10AM - 10:45AM | Beating the Trend: What Top Performing Trucking Companies Differently 10:45AM - 11AM | BREAK 11:00AM - 11:30AM | Best Practices for Reducing RX Spend 11:30AM – 12:30 PM | LUNCH 12:30PM – 1:15PM | Managing High-Risk Health Plan Members 1:15PM – 2:00PM | Leave of Absence Management in Trucking 2:00PM – 2:10PM | BREAK 2:10PM – 2:45PM | Chronic Condition Management 2:45PM – 3:00PM | Closing Remarks View Full Agenda Interested in Sponsoring this event? Check out our Sponsorship Opportunities Presenters Bret McKitrick VP, Benefits – Cottingham & Butler Michael Kelly Michael Kelly | Healthcheck360 Jackie Ronning VP Sales, Benefits - Cottingham & Butler Jamie Bishop VP Sales, Benefits – Cottingham & Butler Kim Beck Senior VP, Benefits - Cottingham & Butler Upcoming Events WEBINAR February 18, 2026 Building a Safer Workplace: Reducing Workplace Injuries and Workers' Compensation Claims for Drivers Hosted by SMSC Safety Consultant Nate Gump, this session will explore the often-overlooked workplace injury risks drivers face and their significant impact on workers' compensation claims. While motor vehicle crashes often get the most attention, most driver injuries occur during non-driving tasks such as entering and exiting vehicles, loading and unloading freight, working in yards and docks, and managing environmental exposures. Attendees will discover practical, data-driven strategies to reduce injuries, improve compliance, and control workers' compensation costs. Register Now! Register Now! WEBINAR March 17, 2026 Navigating FMCSA Compliance Reviews Whether your fleet is proactively preparing for a compliance review or responding to an upcoming audit, understanding the FMCSA’s expectations is essential. This webinar takes you behind the scenes of the FMCSA Compliance Review process—breaking down what investigators look for, how ratings are determined, and the steps you can take now to protect your safety performance. Join SMSC Senior Safety Consultant Kara Vines as she walks through each stage of the review, from the initial notification to the final safety rating. You’ll learn the most common violations that trigger interventions, how to organize required documentation, and practical strategies for strengthening your Safety Management Controls. We’ll also highlight real‑world trends, carrier pitfalls, and best practices to help you stay audit‑ready year‑round. Whether you’re new to compliance or looking to refine your current safety program, this session provides the clarity, confidence, and tools you need to navigate the FMCSA Compliance Review with success. Register Now! Register Now! WEBINAR February 19, 2026 ERISA Fiduciary Duties Join us for an in-depth session on ERISA fiduciary duties for health and welfare plans, designed to help employers understand their obligations as plan sponsors. We’ll review key ERISA requirements, highlight common compliance pitfalls, and share practical best practices to minimize fiduciary risk. Register Now! Register Now! WEBINAR March 19, 2026 Navigating Employer-Sponsored Coverage & Medicare Join us for a practical session on how Medicare interacts with employer-sponsored health plans—an increasingly important topic as more employees continue working past age 65. We’ll break down eligibility and enrollment timing for Medicare Parts A, B, and D, clarify how Medicare Secondary Payer (MSP) rules impact group plan coordination, and highlight key considerations such as HSA eligibility, COBRA timing, and employer premium reimbursements. Understanding these rules is essential for employers evaluating benefit offerings and for employees choosing the coverage option that best fits their needs. Register Now! Register Now! IN-PERSON March 10-13, 2026 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 April 21, 2026 Understanding CSA Scores and Their Impact Your CSA (Compliance, Safety, Accountability) score isn’t just a number—it’s a reflection of your fleet’s safety culture and a key factor in your company’s reputation, insurance rates, and ability to win contracts. In this session, SMSC Senior Safety Consultant Anne-Marie Naples demystifies the CSA scoring system, explaining how violations are weighted, how scores are calculated, and what they mean for your business. Attendees will learn how to monitor their scores, interpret BASIC categories, and implement targeted strategies to improve performance. Register Now! Register Now! View All Events Connect with a C&B Representative Today!

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 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.

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!

IN-PERSON Better Every Day Seminar / Green Bay Thursday, August 6th | 8:00AM – 3:00PM Lambeau Field, Legends Club 1265 Lombardi Avenue Green Bay, WI 54304 Join us at Lambeau Field in Green Bay, WI for an engaging day where you'll gain quick-hit strategies on healthcare cost management, compensation and financial wellness, and employee retention through interactive Power Talks. The day opens and closes with powerful personal leadership sessions to help you maximize your impact at your organization. Connect with like-minded HR professionals throughout the day during networking breaks and a provided lunch and breakfast. This event is HRCI/SHRM accredited. Register today to secure your spot! August 6, 2026 8:00 AM – 3:00 PM Green Bay, WI An Agenda Filled with Insight 8:00 AM – 9:00 AM | Registration, Networking, and Breakfast 9:00 AM – 10:30 AM | Keynote 1: Authentic Leadership in Action 10:30 AM -10:45 AM | Break 10:45 AM – 12:00 PM | Benefits & Business: 20-Minute Power Talks on Critical Trends For All Employers Why Financial Literacy Education Could Be the Most Valuable Benefit You Offer to Employees Misaligned Incentives: One of the Big Reasons Healthcare Costs Are Spiraling and How To Regain Control Weight Loss & Wellbeing: The Ultimate Retention Tool or A Wasted Expense? 12:00 PM – 1:00 PM | Lunch & Giveaways 1:00 PM – 2:00 PM | Keynote 2: Finding Nirvana: Do Less. Achieve More. 2:00 PM - 3:00 PM | Meet a packer player and Happy Hour Presenters Paul Tourville Paul T. Tourville, Partner, CASL Fallon Millerski Account Executive - HealthCheck360 Jack Wied Benefits Consultant - Cottingham & Butler Tammy Rogers BecomeMore Group Maddie Meador Benefits Consultant - Cottingham & Butler Matt Chadwick VP Sales, Benefits – Cottingham & Butler Trent Tangen Assistant Vice President - HealthCheck360 Taylor Orton VP - Benefits Thank You Sponsors Interested in Sponsoring? EXPLORE OPPORTUNITIES Upcoming Events IN-PERSON May 20-21, 2026 2026 Transportation Safety Workshop Join us for an immersive two-day safety workshop designed to enhance your transportation safety program. Engage with industry experts and fellow safety professionals as we explore critical areas including FMCSA compliance strategies, cutting-edge safety technologies, effective claims management, and cargo theft prevention, plus experience our dynamic mock trial session that brings real-world legal scenarios to life. Through structured networking opportunities, you'll build connections with other safety professionals, share challenges and solutions with peers who understand your daily operations, and leave with practical strategies you can implement immediately to strengthen your compliance program, optimize your safety technology, and enhance your risk management approach. Read More Register Now WEBINAR October 22, 2026 The Impact of Drugs & Alcohol in Trucking Substance abuse in the trucking industry poses serious risks—not only to drivers, but to public safety, company reputation, and regulatory compliance. This webinar explores the far-reaching impact of drugs and alcohol on commercial driving performance. SMSC Senior Safety Consultant Anne-Marie Naples will help participants gain a clear understanding of DOT regulations and testing protocols. Read More Register Now WEBINAR December 16, 2026 OSHA Recordkeeping & ITA Compliance 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. Read More Register Now WEBINAR September 15, 2026 Securing the Scene: Best Practices After a Collision When a crash occurs, the first few minutes—and the days that follow—can shape the outcome for your fleet, your drivers, and your business. This webinar hosted by SMSC Senior Safety Consultant Justin Smoot equips trucking professionals with the tools to respond effectively at the scene, preserve critical evidence, and initiate a thorough post-crash investigation. Beyond immediate response, Justin will dive into how fleets can determine “preventability,” implement remedial training, and use coaching to reduce repeat incidents. Read More Register Now WEBINAR November 17, 2026 FMCSA HOS Exceptions & Operational Flexibility In an ideal world, how much easier would fleet management be? Drivers' loads would align seamlessly with available driving hours, parking availability would consistently match HOS limitations, and drivers would arrive back home every Friday night like clockwork. However, the realities of modern trucking operations present constant challenges that require comprehensive knowledge of Hours of Service (HOS) regulations and exceptions. Join Joshua Anderson in this webinar as we examine strategies for carriers and drivers to navigate regulatory compliance effectively within the complexities of real-world operations. Read More Register Now WEBINAR August 18, 2026 Safety Training That Sticks: Learning Principles in Action Safety Training That Sticks: Learning Principles in Action” hosted by SMSC Safety Consultant Austin Smith is a dynamic, instructor‑focused webinar designed to help trainers deliver safety education that truly resonates with adult learners. This session explores how to move beyond lecture‑heavy sessions and instead create training that is interactive, memorable, and impactful. Grounded in proven adult learning principles, the presentation highlights how adults learn best: through relevance, experience, problem‑solving, and hands‑on involvement. Participants will discover practical techniques for turning passive attendees into active contributors—ensuring higher retention and stronger safety performance on the job. Read More Register Now View All Events Connect with a C&B Representative Today!

IN-PERSON Better Every Day Seminar / Pewaukee Thursday, May 14th | 8:00AM – 2:00PM The Ingleside Hotel 2810 Golf Road Pewaukee, WI 53072 Join us at The Ingleside Hotel in Pewaukee, WI for an engaging day where you'll gain quick-hit strategies on healthcare cost management, compensation and financial wellness, and employee retention through interactive Power Talks. The day opens and closes with powerful personal leadership sessions to help you maximize your impact at your organization. Connect with like-minded HR professionals throughout the day during networking breaks and a provided lunch and breakfast. This event is HRCI/SHRM accredited. Register today to secure your spot! May 14, 2026 8:00 AM – 2:00 PM Pewaukee, WI An Agenda Filled with Insight 8:00 AM – 9:00 AM | Networking, Registration, and Light Breakfast 9:00 AM – 10:30 AM | Keynote 1: Authentic Leadership in Action 10:30 AM – 10:45 AM | Break 10:45 AM – 12:00 PM | Benefits & Business: 20-Minute Power Talks on Critical Trends For All Employers Why Financial Literacy Education Could Be the Most Valuable Benefit You Offer to Employees Misaligned Incentives: One of the Big Reasons Healthcare Costs Are Spiraling and How To Regain Control Weight Loss & Wellbeing: The Ultimate Retention Tool or A Wasted Expense? 12:00 PM – 1:00 PM | Lunch & Giveaways 1:00 PM – 2:00 PM | Keynote 2: Finding Nirvana: Do Less. Achieve More. Presenters Brian Sholty Sales Executive, Benefits – Cottingham & Butler Paul Tourville Paul T. Tourville, Partner, CASL Emily Vorpahl Sales Executive, Benefits – Cottingham & Butler Tammy Rogers BecomeMore Group Fallon Millerski Account Executive - HealthCheck360 Taylor Orton VP - Benefits Joey Backus VP Sales, Benefits - Cottingham & Butler Trent Tangen Assistant Vice President - HealthCheck360 Upcoming Events WEBINAR February 18, 2026 Building a Safer Workplace: Reducing Workplace Injuries and Workers' Compensation Claims for Drivers Hosted by SMSC Safety Consultant Nate Gump, this session will explore the often-overlooked workplace injury risks drivers face and their significant impact on workers' compensation claims. While motor vehicle crashes often get the most attention, most driver injuries occur during non-driving tasks such as entering and exiting vehicles, loading and unloading freight, working in yards and docks, and managing environmental exposures. Attendees will discover practical, data-driven strategies to reduce injuries, improve compliance, and control workers' compensation costs. Register Now! Register Now! WEBINAR March 17, 2026 Navigating FMCSA Compliance Reviews Whether your fleet is proactively preparing for a compliance review or responding to an upcoming audit, understanding the FMCSA’s expectations is essential. This webinar takes you behind the scenes of the FMCSA Compliance Review process—breaking down what investigators look for, how ratings are determined, and the steps you can take now to protect your safety performance. Join SMSC Senior Safety Consultant Kara Vines as she walks through each stage of the review, from the initial notification to the final safety rating. You’ll learn the most common violations that trigger interventions, how to organize required documentation, and practical strategies for strengthening your Safety Management Controls. We’ll also highlight real‑world trends, carrier pitfalls, and best practices to help you stay audit‑ready year‑round. Whether you’re new to compliance or looking to refine your current safety program, this session provides the clarity, confidence, and tools you need to navigate the FMCSA Compliance Review with success. Register Now! Register Now! WEBINAR February 19, 2026 ERISA Fiduciary Duties Join us for an in-depth session on ERISA fiduciary duties for health and welfare plans, designed to help employers understand their obligations as plan sponsors. We’ll review key ERISA requirements, highlight common compliance pitfalls, and share practical best practices to minimize fiduciary risk. Register Now! Register Now! WEBINAR March 19, 2026 Navigating Employer-Sponsored Coverage & Medicare Join us for a practical session on how Medicare interacts with employer-sponsored health plans—an increasingly important topic as more employees continue working past age 65. We’ll break down eligibility and enrollment timing for Medicare Parts A, B, and D, clarify how Medicare Secondary Payer (MSP) rules impact group plan coordination, and highlight key considerations such as HSA eligibility, COBRA timing, and employer premium reimbursements. Understanding these rules is essential for employers evaluating benefit offerings and for employees choosing the coverage option that best fits their needs. Register Now! Register Now! IN-PERSON March 10-13, 2026 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 April 21, 2026 Understanding CSA Scores and Their Impact Your CSA (Compliance, Safety, Accountability) score isn’t just a number—it’s a reflection of your fleet’s safety culture and a key factor in your company’s reputation, insurance rates, and ability to win contracts. In this session, SMSC Senior Safety Consultant Anne-Marie Naples demystifies the CSA scoring system, explaining how violations are weighted, how scores are calculated, and what they mean for your business. Attendees will learn how to monitor their scores, interpret BASIC categories, and implement targeted strategies to improve performance. Register Now! Register Now! View All Events Connect with a C&B Representative Today!

Construction Bond Producer vs. Surety Advisor: Beyond the Bond Up Published on Written by: Page View October 7, 2016 Cottingham & Butler When you're looking for a solid bonding relationship, shouldn't it be built on a complete risk review and not simply on a complete financial review? Sure, your financials are strong, but they can be misleading or downright unreliable if your surety team hasn't gone beyond just delivering a bond. Imagine facing an uncovered loss with a full backlog and no money to prosecute the work. It's bonded work and that means the surety must step in and complete it; you didn't forget you personally indemnified that bond, did you? Imagine facing a serious loss where your limits were adequate to your company's net worth 3 years ago but haven't contemplated that new $4,000,000 in revenue you've added since then. Are you a bigger target at $6,000,000 revenue than you were at $2,000,000? You've bonded these jobs, and you've produced a clear, contractual financial guarantee in which you are fully indemnifying the surety both corporately and personally. When you set those insurance limits, didn't at least part of that calculation take into consideration the corporate veil, your protections personally against liability? Of course they did. Did you adjust those limits when you took on a project which, through that personal indemnity pierces the veil and leaves you personally exposed? This is piercing the veil from the inside. You may not experience a loss that can break through the veil head on but an uncovered loss or a loss with inadequate limits can wreak havoc on current operations and leave you staring down the barrel of a sizeable bond loss. You might enjoy personal protection from the veil on the insurance claim but what if that claim wipes out the working capital in your company? The surety still has your personal indemnity option to complete that work and pay those subs on your behalf. How's that veil doing? In most cases, it's not that one swift blow. It's usually a long-term effect of your company under siege where you and your senior management lose focus on critical day-to-day management and new growth as your energy and money pour into defending what you've built. Performance, morale, cash flow, revenue..... the spiral can be awful. We have the experience and the rounded team who will provide this in-depth review. The people who are not merely up-to-date on emerging risks but up-to-date with how fluid those risks are when considered by a company heavily involved in modern construction. The Bond Producer will get you the bond and call it a success and, yes, we do that too. We "get the bond" every day, and most days, on an hourly basis. The Surety Advisor delivers that bond along with these and other critical services that should be the standard, but we all know aren't. From clients just starting out and in search of their first $300,000 bond, to firms with over 100 years in contracting and bond lines in excess of $150,000,000, we have the experience, team, and drive to deliver beyond the bond. View All Posts TAGS: Article Construction Surety Bonds Upcoming Events IN-PERSON May 20-21, 2026 2026 Transportation Safety Workshop Join us for an immersive two-day safety workshop designed to enhance your transportation safety program. Engage with industry experts and fellow safety professionals as we explore critical areas including FMCSA compliance strategies, cutting-edge safety technologies, effective claims management, and cargo theft prevention, plus experience our dynamic mock trial session that brings real-world legal scenarios to life. Through structured networking opportunities, you'll build connections with other safety professionals, share challenges and solutions with peers who understand your daily operations, and leave with practical strategies you can implement immediately to strengthen your compliance program, optimize your safety technology, and enhance your risk management approach. Register Now! Register Now! WEBINAR December 16, 2026 OSHA Recordkeeping & ITA Compliance 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 November 17, 2026 FMCSA HOS Exceptions & Operational Flexibility In an ideal world, how much easier would fleet management be? Drivers' loads would align seamlessly with available driving hours, parking availability would consistently match HOS limitations, and drivers would arrive back home every Friday night like clockwork. However, the realities of modern trucking operations present constant challenges that require comprehensive knowledge of Hours of Service (HOS) regulations and exceptions. Join Joshua Anderson in this webinar as we examine strategies for carriers and drivers to navigate regulatory compliance effectively within the complexities of real-world operations. Register Now! Register Now! View All Events Connect with a C&B Representative Today!