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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 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 Crash Data Analysis: What Your Fleet's History is Telling You Hosted by SMSC Safety Consultant Barry Wertz, "Crash Data Analysis: What Your Fleet's History is Telling You" explored Excel's essential features that turn raw data into actionable insights. On-Demand 7 Best Practices for Managing Heat Stress in Indoor Work Environments Heat-related injury and illness are occupational hazards that impact many industries and affect millions of employees annually. Heat stress occurs when an individual’s body accumulates more heat than it can dissipate. Articles 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.

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

Whether you engage in residential, commercial, or municipal projects, we provide customized coverage and service solutions designed to address your specific needs. Surety Bonds Enjoy Greater Flexibility CONNECT WITH OUR TEAM The Cottingham & Butler Surety team specializes in delivering surety bond solutions that provide unparalleled adaptability, giving you the freedom and confidence to pursue your goals with ease. Our Approach With an aim to structure a program that will provide a contractor with the flexibility to capitalize on strategic opportunities, we focus on consultancy to help our clients understand how best to position themselves for success. Program Design We analyze and improve surety programs to get you the best deal with flexible terms, so you can pursue the projects you want without overspending. Our experienced team closely evaluates your requirements, identifying areas for cost reduction and improved efficiency, while ensuring you have the necessary capacity to undertake projects of varying scales. Market Relationships We partner with a number of sureties on a regional and national level. We advocate for our clients and obtain results by leveraging our strong and deep relationships. Our extensive network allows you to connect with the right surety providers, ensuring you get the most favorable terms and conditions. Benchmarking & Services Our proprietary reports go well beyond financial performance. Through our unique process, we provide clients with insight that helps them outshine the competition. Our benchmarking services are designed to give you a comprehensive understanding of your standing in the industry. Subcontractor Default Insurance We help our clients limit the risk of subcontractor default through a comprehensive approach that includes a “constant qualification” (assessment and implementation), selection process, real time contractor qualification and verification, and contractual risk transfer. Our tailored approach to subcontractor risk management ensures that your projects remain on track and that potential disruptions are mitigated. Surety Bond Types Explore the different types of surety bonds and begin your application through the selections below. Contractor Pre-Qualification > Bid Bond Application > BMC84 > Experience the Power of Surety Bonds Bank-Guaranteed Security Enjoy the peace of mind, knowing your financial interests are backed by a reliable institution. Surety Bonds Insights Contract Bonds | A Bumpy Path to Success Contract bonds play a crucial role in the construction industry, providing financial guarantees and risk mitigation for various projects. Articles Strategies to Strengthen Bonding Capacity and Navigate Our Evolving Construction Economy In unpredictable economic times, maintaining and increasing bonding capacity becomes crucial for contractors. Articles The Creeping Retainage Vine Discover how retainage impacts cash flow in the construction industry amidst labor shortages and cost escalations. Articles VIEW MORE Surety Bonds Contact Questions? Talk to our Surety specialist!

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!

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.

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

For over 15 years, Cottingham & Butler has collected data from motor carriers coast to coast through the Trucking Benchmark Survey to provide participants with a detailed outlook on how their benefits and compensation programs compare against others in the industry. 5 Proven Strategies Every Employer Needs to Know How to Cut Healthcare Costs by Up to 30% 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. Free Guide Access Your Free Guide By downloading, you agree to receive updates from Cottingham & Butler. You can unsubscribe at any time. Inside this Free Guide: Prescription Drug Cost Management Learn how to cut drug costs by up to 25% without compromising care. Uncover Hidden Savings Discover alternative coverage options that benefit both you and your employees. Family Coverage Optimization Improve coverage to save $10,000+ per family annually. Smart Healthcare Shopping Discover tools to help employees save thousands on procedures. Innovative Funding Strategies Learn how alternative risk programs can help cut premiums by 5-8% annually. $310,000 Saved A school district with 200 employees optimized their family coverage plans, resulting in substantial savings.

Our consulting team is committed to assessing your organization's risks and providing insights and guidance for navigating legislative and economic shifts that directly impact your business's sustainability. Navigating Compliance with Confidence We empower you to navigate complex compliance environments confidently, freeing up your energy to drive business growth. CONNECT WITH OUR TEAM Benefits compliance errors can lead to costly penalties and disruptions. Our team, including on-staff compliance attorneys, helps you stay ahead of regulations, minimizing risk and ensuring a smooth benefits experience for your employees. Compliance Updates Get the Latest Updates & Expert Guidance. Staying on top of ever-changing benefits regulations can be a challenge. Even minor missteps can result in hefty fines, employee frustration, and operational disruptions. Let us help you navigate the complexities of compliance with ease. VIEW LATEST COMPLIANCE NEWS Compliance Webinars – On-Demand Library Our 2026 Compliance On-Demand Series is designed to keep you informed, prepared, and confident heading into every quarter. News Form 5500s for Health & Welfare Plans Form 5500 compliance is an important component of ERISA plan administration and requires careful attention to plan structure, participant counts, and funding arrangements. Employers should regularly review their benefit structure, confirm whether filing thresholds are met, and ensure that filings are completed accurately and on time. Articles Q2 Check-in: State Employee Leave Law Developments This Compliance Overview outlines notable recent and upcoming developments in state leave laws. Articles Antitrust Risk Is No Longer Theoretical: Why It Now Belongs in D&O Insurance Planning Written by: Cottingham & Butler Food & Agribusiness Group Executive Summary Antitrust enforcement in the United States has entered a materially more aggressive phase—one that increasingly places directors and officers under personal scrutiny. Recent federal investigations reinforce a broader regulatory shift: antitrust risk is no longer limited to transformational mergers or a few headline industries. For boards and executive teams, the financial, operational, and personal co Articles Benefits Compliance Services Navigate State & Federal Legislation Identify potential risks of penalties and lawsuits due to non-compliance. Welfare Strategic Planning Develop multi-year strategic plans to ensure compliance with DOL, HHS, and IRS regulations. ERISA Compliance & Guidance Follow an annual federal disclosure compliance calendar, inclusive of employee notices, guides, timelines, and checklists to maintain adherence. Internal Revenue Code Expertise Receive guidance on IRC 125/cafeteria plans, health benefits, and relevant tax rules concerning employee benefit plans. ACA Compliance and Resource Support Access educational materials, timelines, sample employee letters, forms, notices, and waivers for ACA mandates, reporting, penalties, and taxes. Streamline COBRA Administration Efficiently manage COBRA administration, ensuring compliance and smooth transitions for employees during benefit changes. Accurate 5500 Filings Handle precise and timely Form 5500 filings, providing accurate documentation for regulatory compliance. Expertise in HSA, FSA, HRA Management Oversee and optimize HSA, FSA, and HRA management, tailoring solutions to maximize benefits and tax advantages for your organization and employees. Compliance Insights Compliance Webinars – On-Demand Library Our 2026 Compliance On-Demand Series is designed to keep you informed, prepared, and confident heading into every quarter. News Form 5500s for Health & Welfare Plans Form 5500 compliance is an important component of ERISA plan administration and requires careful attention to plan structure, participant counts, and funding arrangements. Employers should regularly review their benefit structure, confirm whether filing thresholds are met, and ensure that filings are completed accurately and on time. Articles Q2 Check-in: State Employee Leave Law Developments This Compliance Overview outlines notable recent and upcoming developments in state leave laws. Articles VIEW MORE Compliance Connect with our Employee Benefits Team!

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 Leveraged best practices and good loss experience to return $80,000 year after year Discover how Cottingham & Butler was able to leverage a manufacturer's good loss experience to achieve $80,000+ in returns year after year. Case Studies 7 Best Practices for Managing Heat Stress in Indoor Work Environments Heat-related injury and illness are occupational hazards that impact many industries and affect millions of employees annually. Heat stress occurs when an individual’s body accumulates more heat than it can dissipate. Articles OSHA Proposes Rule to Remove Its Walking-Working Surfaces Standard Deadline OSHA recently published a proposed rule to remove the Nov. 18, 2036, deadline in its Walking-Working Surfaces standard. This standard would have required all fixed ladders extending more than 24 feet above a lower level to be equipped with personal fall arrest systems or ladder safety systems by this deadline. Articles VIEW MORE Connect with a Manufacturing 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. Personal Lines Insurance Tailored insurance solutions designed for your unique lifestyle and success. As individuals become more successful, they face risks that the mainstream insurance market cannot adequately cover with standard homeowner, automobile, and umbrella policies. Cottingham & Butler offers a private client insurance program tailored to fit your lifestyle and designed to prevent or reduce your likelihood of loss. The Cottingham & Butler Advantage Our personal lines insurance solutions are built on three core principles: Client Advocacy Our private client team works solely for you, not the insurance company Dedicated support for peace of mind for your family, assets, and wealth protection Clients are our number one priority Exclusive Access Partnerships with premier private client companies Ability to offer broader, more comprehensive coverage at competitive costs Drive competition for your business, bringing multiple solutions Thorough Exposure Review Comprehensive coverage review to identify and address gaps Maximization of carrier discounts and household protection measures Strategic deductible analysis for optimal cost-benefit balance Assessment of the negative impact of reporting small claims Rather than a one-size-fits-all approach, our proprietary Personal Risk Assessment (PRA) process provides a complete roadmap for optimizing each client’s unique insurance program. We review coverage, risk transfer options, claims management, and loss prevention. The complete Personal Risk Assessment will analyze the following areas: Program Design : Is your program the best for you? Coverage Review : What is really in those policies? Liability Assessment : Does your coverage match your net worth? Risk Management : How effective are your risk solutions? Comprehensive Insurance Solutions and Tailored Coverage for Every Aspect of Your Success Personal Lines Coverages High-value home insurance with unlimited rebuild coverage Luxury auto coverage with agreed value policies Personal umbrella liability up to $100,000,000 Valuable articles protection (blanket and scheduled coverage) Yacht and watercraft insurance Private aviation coverage Personal cyber crime coverage Personal Lines Key Features Unlimited rebuild coverage for homes Flexible deductible options (can be waived up to $25,000 for claims over $50,000) Backup of sewer & drain coverage Cash settlement option for total losses Agreed value for auto policies Worldwide coverage for insured personal articles Excess liability coverage up to $100,000,000 Uninsured/underinsured motorist coverage up to $10,000,000 "Cottingham & Butler thoroughly understood our needs and evaluated numerous options. They suggested coverage modifications we hadn't considered, resulting in a more comprehensive offering, better protection, and cost savings. Their professional approach left us completely satisfied with our partnership." Personal Lines Client | Chicago, IL Personal Lines Insurance Insight & Impact Maximizing Protection While Minimizing Costs In the world of personal insurance, finding the right balance between comprehensive coverage and affordable premiums can be challenging. Personal Lines Optimizing Multi-Home Insurance: How We Increased Coverage and Decreased Premiums by 33% This case study showcases how strategic adjustments can lead to superior protection at a lower cost. Personal Lines From Gaps to Comprehensive Coverage In the world of high-net-worth individuals, insurance needs can be complex and multifaceted. Personal Lines VIEW MORE Connect with a Personal Lines Insurance Specialist!