The Cottingham & Butler Food & Agribusiness Practice sets the standard as a premier insurance consultant, uniquely equipped to understand the intricacies and challenges of the food & agribusiness industry. Food & Agribusiness Industry We cultivate success for the food and agribusiness sector through specialized insurance and risk management solutions. The Cottingham & Butler Food & Agribusiness Practice sets the standard as a premier insurance consultant, uniquely equipped to understand the intricacies and challenges of the food & agribusiness industry. With a team of experts deeply rooted in the field, we deliver personalized risk management strategies, protection for your most valuable assets, and an unrivaled service experience. Your Trusted Source for Comprehensive Insurance Solutions in the Food & Agribusiness Industry. Food & Agribusiness Coverages Accidental contamination / Product recall coverage Alternative risk Auto Crop Environmental risk Excess liability General liability International risk and exposures Livestock / Animal mortality Ocean and domestic cargo Property Stock Throughput Umbrella / Excess Workers’ Compensation Food & Agribusiness Services Claims advocacy and management Contract review and insurance policy compliance Disaster management and loss prevention services Experience modification review and analysis Premium allocations and budget preparations Competitive bidding of insurance programs Download our FREE E-book “Risk Resilience” and discover how we can be your partner in achieving food safety excellence. Food Safety Expertise for Growth Did you know foodborne illness costs the US food industry an estimated $15.5 billion annually? Cottingham & Butler, alongside The Acheson Group (TAG), empowers food & agribusiness companies to cultivate a culture of safety and minimize risk. Our expertise can help you: Reduce recall & contamination risks Optimize operations and boost profitability Navigate complex food safety regulations Specialized Food & Agribusiness Niches Food Processing Food Retailers Food Distribution Bottling & Distribution Swine Operations Dairy Operations Egg & Poultry Operations Grain, Feed, & Seed Commercial Farming Cannabis / Hemp Featured Expertise Food Safety Made Smarter 1 in 6 Americans get sick from contaminated food annually! Ensuring food safety is a top priority for any food & agribusiness company. After all, it's about protecting consumers and the integrity of your brand. But here's the surprising truth: many companies, confident in their existing procedures, miss hidden risks that could lead to costly recalls or outbreaks. Our FREE 3-part diagnostic tool helps you proactively identify these hidden strengths and potential areas for improvement in your food safety practices. RECALL & CRISIS MANAGEMENT Navigate Risk with Confidence - Explore Captive Insurance Solutions The food and agribusiness industry is the backbone of our nation's food supply, but it also faces a complex web of risks. From unpredictable weather patterns and volatile commodity prices to ever-evolving regulations and food safety concerns, traditional insurance might not always provide the tailored protection you need. Captive insurance offers a revolutionary approach to risk management. Imagine a self-funded program co-owned by a group of food and agribusiness companies like yours. EXPLORE THE BENEFITS OF CAPTIVE INSURANCE With roots dating back to the late 1800s, our Food & Agribusiness Practice proudly stands as the longest-established niche focus at our firm. From its inception, Cottingham & Butler was founded with a deep commitment to serving the needs of our food & agribusiness community, forging a legacy of expertise and dedication in the industry. Watch our client success video and hear directly from our food and agriculture clients Explore our expertise, risk solutions, and track record of exceptional results for clients. DOWNLOAD OUR FOOD & AGRIBUSINESS BROCHURE Food & Agribusiness Insight & Impact Contingent Business Interruption Insurance Just one brief business interruption can be incredibly costly for an organization, often leading to serious reputational damages or long-term closures. Standard business interruption policies are vital in these instances, providing protection against a variety of common interruptions, including natural disasters, equipment damage and vandalism. Articles Agriculture Risk Insights: Emergency Preparedness for Farmworkers Farms, like most workplaces, face unexpected emergencies and disasters, which can be natural or man-made. To help lessen the impact of these events, employers and supervisors should develop and exercise emergency action plans (EAPs), which prepare workers for emergencies and disasters before they occur. Articles The Litigation Tactics Behind Nuclear Verdicts Nuclear verdicts are sizeable jury awards, typically $10 million or more. They’ve become far more common over the last decade, largely due to shifting litigation tactics designed to enhance settlement leverage. Articles VIEW MORE Connect with a Food & Agribusiness Expert!

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!

Doing the right thing for our clients, communities and coworkers is at the heart of our culture. Our people embody the Better Every Day mindset through impactful giving, from volunteering and company drives to annual donations supporting hundreds of non-profits. Together, we improve lives and strengthen communities. Doing Good Is Who We Are Doing the right thing for our clients, communities and coworkers is at the heart of our culture. Our people embody the Better Every Day mindset through impactful giving, from volunteering and company drives to annual donations supporting hundreds of non-profits. Together, we improve lives and strengthen communities. C&B Better Initiative Fueled by a shared vision and the dedication of over 100 teammates, the C&B Better Initiative has poured over $100,000 back into our local community. See Our Impact > Annual Holiday Drive Since 2009, our annual Holiday Drive has partnered with Toys For Tots, Opening Doors, and The Barriers Project, spreading joy and support to local families. Learn How We Spread Joy > United Way Campaign Dare to go over the edge? Every year, our daring and big-hearted C&B teammates willingly rappel down a 10-story building to support the United Way. Why We Go Over the Edge > Opening Doors The Red Basket Project Junior Achievement Little Hero League The Riverview Center The Fountain of Youth Program Join Our Better Every Day Team!

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 Contingent Business Interruption Insurance Just one brief business interruption can be incredibly costly for an organization, often leading to serious reputational damages or long-term closures. Standard business interruption policies are vital in these instances, providing protection against a variety of common interruptions, including natural disasters, equipment damage and vandalism. Articles Construction Risk Insights: Managing Project Delays and Stoppages Construction projects may be delayed or temporarily halted for a range of reasons, including adverse weather conditions, permit problems, labor shortages, supply chain disruptions and financing challenges. Articles The Litigation Tactics Behind Nuclear Verdicts Nuclear verdicts are sizeable jury awards, typically $10 million or more. They’ve become far more common over the last decade, largely due to shifting litigation tactics designed to enhance settlement leverage. Articles VIEW MORE Connect with a Construction Expert!

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. Waste Management & Recycling Don't let the complex risks of the waste and recycling industry disrupt your operations. Over the last few years, the waste management and recycling insurance landscape has changed dramatically. With fewer carriers willing to take on the industry's unique risks - from increased fire incidents at MRFs to challenging auto losses - expert guidance is critical. Our team of waste and recycling insurance experts doesn't just secure comprehensive coverage - we integrate seamlessly with your risk management strategy, finding you the best program options, implementing proactive mitigation tactics, and offering robust claims advocacy. By protecting your operations, workforce, and financial health, we enable you to focus on what matters most: keeping our communities clean and moving towards a sustainable future. Comprehensive Risk Solutions Our team brings decades of experience working with businesses just like yours, from local haulers to large-scale MRFs. This specialized knowledge allows us to craft insurance solutions that address your specific needs and protect your business from every angle. In addition to our specialized coverage for waste and recycling operations, we offer all standard business insurance coverage, ensuring comprehensive protection for your business. Specialized Coverage Includes: Pollution Exposure Fleet Exposure Premises Exposure High Hazard Workers’ Compensation Exposure Medical Waste Exposure In an industry where hazards lurk around every corner, a generic risk management approach simply won't cut it. Our proprietary Risk Management Assessment (RMA) digs deep into the specifics of your waste and recycling operation. We analyze your exposures, identify coverage gaps, and evaluate your safety protocols with an expert eye. The result? A comprehensive risk management plan that's custom-built for the unique challenges of your business. LEARN MORE Employee Rewards & Engagement Safety Solutions Did you know that the waste and recycling industry has one of the highest rates of workplace injuries and fatalities? According to the U.S. Bureau of Labor Statistics, waste collection workers have an injury rate 5.5 times higher than the national average for all industries. Our hands-on safety services are designed specifically for the waste and recycling workforce, promoting a culture of safety from the route to the recycling facility. We offer industry-specific training, onsite risk control, and more to help prevent accidents, reduce injuries, and keep your team safe and productive. Give your team the safety support they deserve. Learn more > Take the first step towards knowledge and awareness using our SMART Diagnostic Programs. Contact us today to get started. CONTACT OUR TEAM TO GET STARTED! PROUD MEMBER OF ReMA (Recycled Materials Association) Did you know the waste and recycling industry faces an average turnover rate of 22%, nearly double the national average across all sectors? But here's the good news: a well-crafted employee benefits program can make a significant difference. Studies show that companies offering comprehensive benefits packages experience a 138% increase in job applications and a 26% rise in employee retention. Our expert benefits consultants specialize in addressing the unique challenges of the waste and recycling workforce, collaborating with you to design a tailored benefits package that stands out. From competitive health plans to industry-specific perks, we'll help you create a program that your employees and your bottom line will appreciate. BUILD A BENEFITS PROGRAM THAT YOUR TEAM WILL LOVE! "Cottingham & Butler’s deep understanding of the waste and recycling industry sets them apart. From their tailored insurance solutions to their hands-on safety training, they've helped us mitigate risks and optimize operations across our business. With Cottingham & Butler, we know we have a partner who truly understands our needs." Featured Expertise Empower Your Waste & Recycling Business The waste and recycling industry presents distinct challenges, with safety incidents averaging $46,000 per occurrence (SWANA) and annual operational risks costing up to $5.3 million (EREF). Imagine a future where your operational costs are streamlined, your workforce thrives in a safe environment, your contracts offer ironclad protection, and your cybersecurity defenses ward off threats effectively. This future is within your grasp, and it starts by embracing knowledge and awareness through 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 Waste & Recycling Insight & Impact 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 How to Survive an OSHA Inspection Learn how to survive an OSHA inspection and protect your operation from citations and fines. Articles Understanding Your Options: Standard Market, Self-Insurance, and Captive Insurance Programs Discover the advantages of Standard Market, Self-Insurance, and Captive Insurance programs. Articles VIEW MORE Contact Connect with a Waste & Recycling Expert!

We are more than a workplace; we are a collective force of individuals shaping success. Our nearly 1500 employees use their unique backgrounds, interests, and talents to make a difference in our work, our company, and our communities. Our culture empowers people to achieve extraordinary things. We are more than a workplace; we are a collective force of individuals shaping success. Our 1300+ employees use their unique backgrounds, interests, and talents to make a difference in our work, our company, and our communities. Our culture leads us to find ways to help people do extraordinary things. Meet our team and explore their work, their passions and their stories. A Commitment to Collaboration Discover how Cassie's career experiences have transformed her into a mentor > At Cottingham & Butler, our mission and values are simple, yet sincere... Grounded in a set of core values, we prioritize integrity, truthfulness, keeping your word, and the highest respect for individuals. We are committed to promoting positive relationships, understanding and serving our clients' long-term best interests as our own, and ensuring the enduring success of our company. See How They Shine Ashlee Metcalf Onstage Linda Perry & David Becker_edited Cassie Lowery Onstage Describe your image Ashlee Metcalf Onstage 1/12 Our greatest asset is our people. Meet some of our recent Service Excellence Award winners – individuals who consistently go above and beyond, inspiring their colleagues and exceeding client expectations. Join us in a culture where your commitment to excellence is not only valued but celebrated! EXPLORE CAREERS Experience a professional environment infused with a vibrant team spirit. Join a workplace culture where collaboration and enjoyment go hand in hand, creating a dynamic and rewarding experience. Explore Our Career Opportunities BEGIN YOUR JOB SEARCH NOW!

As your dedicated partner in safety management, our specialized consultants help clients craft exceptional programs aimed at risk identification, mitigation, and prevention. Safety Management Services Company (SMSC) Building a culture of safety for a secure and successful future. CONNECT WITH OUR TEAM Cottingham & Butler Safety Management Services Company (SMSC) is your dedicated partner in safety management and loss control. Our team of specialized safety consultants help clients craft exceptional programs aimed at risk identification, mitigation, and prevention. Safety Offerings In today’s fast-paced and competitive business environment, we prioritize building a strong safety culture within your organization. Our consultants work closely with you to instill a safety-first mindset, seamlessly integrating safety practices with productivity even in the most streamlined and lean work environments. Safety Assessments Employee Risk Evaluation Risk Improvement Programs Workshops & Seminars Safety Resources Portal Management Training Mock Compliance Audit Safety Webinars Click here to learn more about our safety leadership program > Safety Education and Training Imagine a workplace where safety isn't just a priority, it's a shared value. At Cottingham & Butler, we don't just offer safety training, we create transformative learning experiences. Our engaging workshops, interactive seminars, and expert-led programs go beyond checklists and compliance. We focus on empowering your employees, creating positive safety behaviors, and building a culture of ownership. The results? Reduced incidents, improved morale, and a safer, more successful organization. A Powerful New Partnership to Transform Your Fleet Compliance Safety Management Services Company (SMSC), Cottingham & Butler's safety consulting company, has partnered with Haul Compliance, a leading fleet compliance software provider, to offer clients access to Haul’s AI-driven platform which centralizes fleet management across compliance, maintenance, and safety. Through this collaboration, our solution will help motors carriers manage: DRIVER QUALIFICATION FILES VEHICLE MAINTENANCE RECORDS FMCSA/DOT COMPLIANCE REQUIREMENTS Click here to download the full guide >> Ready to Transform Your Compliance Management? To learn more about how this solution can benefit your fleet, contact us for a personalized demo. Chad Hoppenjan Vice President, SMSC choppenjan@smscsafety.com Kara Vines Senior Safety Consultant, SMSC kvines@smscsafety.com Safety Insights Securing the Scene: Best Practices After a Collision Our recent webinar, "Securing the Scene: Best Practices After a Collision" with SMSC Senior Safety Consultant Justin Smoot covered how to respond effectively in the critical minutes and days following a crash. On-Demand Safety Training That Sticks: Learning Principles in Action From understanding how adults actually learn to applying stronger facilitation techniques, designing cleaner training materials, and using reinforcement strategies like micro-reminders and peer safety moments, this session provided practical tools for turning passive attendees into active participants and driving stronger safety performance on the job. On-Demand FMCSA HOS Exceptions & Operational Flexibility The realities of modern trucking operations present constant challenges that require comprehensive knowledge of Hours of Service (HOS) regulations and exceptions. Our most recent webinar, "FMCSA HOS Exceptions & Operational Flexibility," hosted by SMSC Safety Consultant Joshua Anderson examined strategies for carriers and drivers to navigate regulatory compliance effectively within the complexities of real-world operations. On-Demand VIEW MORE “Safety Management Services Company (SMSC) has been a great partner and a tremendous resource as we have worked toward our safety goals. Their knowledge and practical, real-world solutions have been an instrumental part of our success.” Chad A. Burroughs | United Building Centers Let’s Get to Work Our dedicated team of Safety Consultants is here to support your success. With expertise across various industries, we're confident in our ability to assess and better manage risk in your business. For a personalized consultation on how we can help your business operations, reach out to us today. Safety Management Services Connect with a Safety Consultant Today!

Andrew leads Cottingham & Butler with a strategic vision, driving prosperity, growth, and cultivating employee development. His commitment to delivering exceptional services to our clients and establishing respected industry partnerships underscores our constant pursuit of excellence. Andrew Butler Executive Chairperson As the Executive Chairman, Andrew is responsible for leading Cottingham & Butler, Inc. to its maximum prosperity, overseeing the growth and ongoing development of its employees while upholding the standard of exceptional service to our clients. Andrew has 40 years of insurance broking and employee benefits consulting experience, both in client-facing and leadership roles. Prior to his appointment, Andrew served as President and CEO of Butler Insurance Service, Inc. and Butler Benefit Service, Inc. His tenure was spent building the organizations to be premier providers of employee benefit consulting and claim management services. Currently, Andrew resides in Dubuque, Iowa where Cottingham & Butler is headquartered. Within his community, he acts as a Board Trustee for the University of Dubuque, as well as the Board President for the Dubuque Museum of Art. Andrew also serves as an Advisor for the Brain Health Now initiative, which reframes the conversation of brain health and brain disease to end the stigma of mental illness. Andrew holds a BS in finance from Babson College and an MBA from the College of Insurance.

Grounded in risk-reward principles, our group captive model draws the attention of prominent food and agribusiness businesses. By offering guidance in re-shaping their insurance strategies, we empower best-in-class companies to take charge of their programs, cultivate safer work environments, and drive down costs. Food & Agribusiness Captive Cottingham & Butler Captives & Programs deliver alternative risk solutions for best-in-class companies. CONNECT WITH OUR TEAM Grounded in risk-reward principles, our group captive model draws the attention of prominent food and agribusiness businesses. By offering guidance in re-shaping their insurance strategies, we empower best-in-class companies to take charge of their programs, cultivate safer work environments, and drive down costs. FA Captive Testimonial Being a member of the captive has resulted in exactly what we were aiming to do, which is lower our overall cost of insurance. However, and more important to the long-term intrinsic value our business, being a member of the captive has manifested into creating a culture of maniacal focus on safety management, risk awareness and documentation, and continuous training. Evan Hayes | CFO, Fremont Farms Securing Your Future With Our Experience With substantial experience supporting alternative risk solutions, you can count on Cottingham & Butler’s rich experience, expertise, and innovative captive solutions. Acres Insurance Limited is a member owned group captive that was founded to serve the unique needs of food and agriculture companies, including growers, producers, processors, and distributors of food-related products. Our primary mission is to provide these businesses with cost-effective insurance coverage and to actively engage as a valued partner in their comprehensive risk management endeavors. Establishing and Managing Industry Leading Captives Since 1992 Is Captive Insurance a Viable Risk Tool for the Food & Agribusiness Industry? READ THE FULL ARTICLE Current Quarter Market Report DOWNLOAD THE 2025 Q2 REPORT Ready to learn more about our Captive Solutions? VIEW OUR CAPTIVE BROCHURE Unlock the Strategic Benefits of Captive Insurance Predictable Costs Less Market Volatility Control Over Claims Lower Premiums Tailored Coverage Best-in-Class Peer Engagement Return of Underwriting Profits Company Specific Loss Control Is a Group Captive Right for You? Tired of paying too much for your insurance? Want more control over claims handling? Want to join growth-focused peers? Need more proactive safety support? Ready to invest in yourself for premium returns? CONTACT OUR CAPTIVE EXPERTS TODAY! Captive Insight & Impact Captives: Why the Right Companies Are Leaning In & Why Now Is the Perfect Time Discover why mid-market food, ag, and processing companies are turning to captive insurance for pricing stability, underwriting profit, and long-term cost control in today's unpredictable casualty market. Articles 2025 Cottingham & Butler Captive Recap: Delivering Stability in Uncertain Times Discover how Cottingham & Butler's captive insurance programs delivered stability and savings for trucking companies in 2025. Real results, real value. Articles $150K+ Savings: How Persistence Pays in Captive Insurance Discover how Mockingbird Transport saved $150K+ annually through captive insurance. A trucking case study on persistence, peer validation, and strategic partnership. Case Studies VIEW MORE Food & Agribusiness Captive Contact our Food and Agribusiness Captive Experts 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 Why Manufacturers Can No Longer View Cybersecurity as an IT ProblemIntroduction When forging companies think about risk, the focus often falls on equipment breakdown, workers’ compensation, and property losses. However, cyber risk has become a growing concern for manufacturers, customers, and insurance carriers. Articles Contingent Business Interruption Insurance Just one brief business interruption can be incredibly costly for an organization, often leading to serious reputational damages or long-term closures. Standard business interruption policies are vital in these instances, providing protection against a variety of common interruptions, including natural disasters, equipment damage and vandalism. Articles The Litigation Tactics Behind Nuclear Verdicts Nuclear verdicts are sizeable jury awards, typically $10 million or more. They’ve become far more common over the last decade, largely due to shifting litigation tactics designed to enhance settlement leverage. Articles VIEW MORE Connect with a Manufacturing Expert!

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

Mike Hessling serves as President of Cottingham & Butler, bringing more than two decades of leadership experience in insurance and management consulting. Prior to joining Cottingham & Butler, Mike served as Chief Executive Officer of North America for Gallagher Bassett, where he oversaw a $1B+ claims operation and a team of more than 3,000 professionals. Under his leadership, the business consistently delivered annual organic growth. Mike Hessling President Mike Hessling serves as President of Cottingham & Butler, bringing more than two decades of leadership experience in insurance and management consulting. Prior to joining Cottingham & Butler, Mike served as Chief Executive Officer of North America for Gallagher Bassett, where he oversaw a $1B+ claims operation and a team of more than 3,000 professionals. Under his leadership, the business consistently delivered annual organic growth. Previously, he served as Chief Client Officer, leading sales, account management, and analytics functions while achieving client retention rates exceeding 95%. Mike began his career at Arthur Andersen and subsequently held consulting roles at Bridge Strategy Group and Bain & Company, bringing both strategic perspective and operational expertise to his work. He holds a Master of Business Administration from the Kellogg School of Management at Northwestern University and a Bachelor of Science in Accounting from Penn State University, where he graduated with honors. He is a Certified Public Accountant, having scored in the top 1% in Illinois on the CPA examination. He has been recognized on the Insurance Business Global 100 list three times and received the 2017 Break-Out Award from Business Insurance, which honors the next generation of industry leaders. He founded and chaired Gallagher Bassett's Inclusion & Diversity initiative and serves on the Board of Directors for Youth Outreach Services in Chicago. Mike and his wife Valerie reside in Dubuque, Iowa, with their eight children.