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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 WEBINAR December 18, 2025 Year-in-Review & Looking Ahead Throughout 2025, HR and employee benefits professionals have continued to navigate an evolving compliance landscape for health and welfare benefit plans. As the year draws to a close, this session will highlight the most significant compliance developments and regulatory changes that shaped 2025 and what they mean for your organization. We’ll also look ahead to 2026, previewing upcoming rules, deadlines, and trends that could impact your benefit strategies in the year to come. Whether you're wrapping up year-end compliance or planning for what’s next, this webinar will help you stay informed and prepared. Examples will be provided to help employers manage different types of common employee positions. Register Now! Register Now! WEBINAR November 20, 2025 HRA Types & Comparisons With many different permitted types of Health Reimbursement Arrangements (HRAs), employers have a wide array of options to provide tax-favored reimbursement for qualifying medical expenses to employees and their family members. But each HRA type has its own compliance requirements, eligibility rules, and strategic use cases. This month’s webinar will discuss many different HRA types, including HRAs integrated with group medical plans, excepted benefit HRAs, qualified small employer HRAs, individual coverage HRAs, and retiree-only HRAs. We’ll explore how each type works, when it might be a good fit, and what employers need to know to stay compliant. Register Now! Register Now! MICRO-STRATEGY SESSION December 2, 2025 The Care Traffic Controller: Directing Patients to High-Value, Low-Cost Healthcare In this 15-minute webinar, we’ll explore how care navigation can be a powerful tool for guiding patients toward high-value, lower-cost providers—without compromising quality. You’ll learn how to build a framework that proactively steers care decisions, leverages second opinions when they matter most, and breaks away from the conventional referral model to create a more strategic, cost-effective healthcare experience. Learn More! Learn More! View All Events Connect with a C&B Representative Today!

General Industry Coverage Basics: Cyber Insurance Up Published on Written by: Page View January 1, 2023 Cottingham & Butler As cyberattacks become more frequent and costly, organizations must maximize their financial protection against related losses by purchasing sufficient insurance. Cyber coverage, also known as cyber liability insurance, can help organizations pay for a range of expenses that may result from cyber incidents—including (but not limited to) data breaches, ransomware attacks, and phishing scams. Specific cyber insurance offerings differ between carriers. Furthermore, organizations’ coverage needs may vary based on their particular exposures. In any case, cyber insurance agreements typically fall into two categories: first-party coverage and third-party coverage. Policyholders should have a clear understanding of both categories of coverage to comprehend the key protections offered by their cyber insurance. First-party Coverage First-party cyber insurance can offer financial protection for losses that an organization directly sustains from a cyber incident. Covered losses generally include the following: Incident response costs —This coverage can help pay the costs associated with responding to a cyber incident. These costs may include utilizing IT forensics to investigate the breach, restoring damaged systems, notifying affected customers, and setting up call center services. Legal costs —Such coverage can help pay for legal counsel to assist with any notification or regulatory obligations resulting from a cyber incident. Data recovery costs —This coverage can help recover expenses related to reconstituting data that may have been deleted or corrupted during a cyber incident. Business interruption losses —Such coverage can help reimburse lost profits or additional costs incurred due to the unavailability of IT systems or critical data amid a cyber incident. Cyber extortion losses —This coverage can help pay costs associated with hiring extortion response specialists to evaluate recovery options and negotiate ransom payment demands (if applicable) during a cyber incident. Reputational damage —Such coverage can help pay for crisis management and public relations services related to a cyber incident. Third-party Coverage Third-party cyber insurance can provide financial protection for claims made, fines incurred, or legal action taken against an organization due to a cyber incident. Types of third-party coverage usually include the following: Data privacy liability —This coverage can help recover the costs of dealing with third parties who had their information compromised during a cyber incident. These costs may include handling third-party lawsuits or legal disputes, offering credit-watch services, and providing additional compensation. Regulatory defense —Such coverage can help pay fines, penalties, and other defense costs related to regulatory action or privacy law violations stemming from a cyber incident. Media liability —This coverage can help reimburse defense costs and civil damages resulting from defamation, libel, slander, and negligence allegations associated with the publication of content in electronic or print media. Multimedia liability coverage can also offer protection amid copyright, trademark, or intellectual property infringement incidents. As a whole, it’s evident that cyber insurance can make all the difference in helping organizations avoid large-scale financial losses amid cyber incidents. Organizations should consult trusted insurance professionals to discuss their particular coverage needs. Contact us today for more risk management guidance and coverage solutions. This article is not intended to be exhaustive nor should any discussion or opinions be construed as legal advice. Readers should contact a Cottingham & Butler representative directly for appropriate guidance. View All Posts TAGS: Article General Industry Coverage Basics Cyber Upcoming Events WEBINAR December 18, 2025 Year-in-Review & Looking Ahead Throughout 2025, HR and employee benefits professionals have continued to navigate an evolving compliance landscape for health and welfare benefit plans. As the year draws to a close, this session will highlight the most significant compliance developments and regulatory changes that shaped 2025 and what they mean for your organization. We’ll also look ahead to 2026, previewing upcoming rules, deadlines, and trends that could impact your benefit strategies in the year to come. Whether you're wrapping up year-end compliance or planning for what’s next, this webinar will help you stay informed and prepared. Examples will be provided to help employers manage different types of common employee positions. Register Now! Register Now! WEBINAR November 20, 2025 HRA Types & Comparisons With many different permitted types of Health Reimbursement Arrangements (HRAs), employers have a wide array of options to provide tax-favored reimbursement for qualifying medical expenses to employees and their family members. But each HRA type has its own compliance requirements, eligibility rules, and strategic use cases. This month’s webinar will discuss many different HRA types, including HRAs integrated with group medical plans, excepted benefit HRAs, qualified small employer HRAs, individual coverage HRAs, and retiree-only HRAs. We’ll explore how each type works, when it might be a good fit, and what employers need to know to stay compliant. Register Now! Register Now! MICRO-STRATEGY SESSION December 2, 2025 The Care Traffic Controller: Directing Patients to High-Value, Low-Cost Healthcare In this 15-minute webinar, we’ll explore how care navigation can be a powerful tool for guiding patients toward high-value, lower-cost providers—without compromising quality. You’ll learn how to build a framework that proactively steers care decisions, leverages second opinions when they matter most, and breaks away from the conventional referral model to create a more strategic, cost-effective healthcare experience. Learn More! Learn More! View All Events Connect with a C&B Representative Today!

Whether you're an owner-operator or manage a national fleet, safeguarding your drivers, trucks, and cargo is critical for success.

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!

Whether you're an owner-operator or manage a national fleet, safeguarding your drivers, trucks, and cargo is critical for success. Industry-Specific Benefits Benchmark Report COMPARE AND COMPETE In today's competitive market, having the right benefits package isn't just important—it's essential for success. Use our industry specific benchmark reports to give you detailed insights into what other companies in your industry are offering, helping you design a benefits program that attracts top talent without overspending. Enter in your company details below to claim your free report! First name Last name Email Job Title Company name Industry Submit What's Inside? This data-driven report helps you understand how your benefits program compares to market standards and identifies opportunities for enhancement. Each industry benchmark report provides a detailed analysis across eight critical areas of employee benefits: Employer Contributions & Plan Design Analysis of premium cost-sharing, funding strategies, and comparison of medical, dental, and vision plan features. Ancillary & Disability Benefits Overview of supplemental insurance (accident, critical illness, hospital indemnity) and examination of short-term and long-term disability coverage. Leave & Retirement Benefits Review of paid time off, family leave policies, and assessment of 401(k) and other retirement plan features, including employer matching. Employee Preferences & National Comparison Insights into benefit selection patterns, utilization trends, and evaluation against industry standards and national benchmarks. Contact Contact a Benefits Consultant to learn more.

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

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

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.

Whether you're an owner-operator or manage a national fleet, safeguarding your drivers, trucks, and cargo is critical for success. Client Impact Stories Delivering Better Outcomes Every Day Driving Results That Matter At Cottingham & Butler, we believe every challenge has a solution. Explore how we partner with clients to create breakthrough solutions that deliver meaningful, measurable impact. EMPLOYEE BENEFITS TRANSPORTATION PROPERTY & CASUALTY Employee Benefits Employee Benefits $323K Premium Reduction Achieved Chicago manufacturer slashes 52% renewal increase to just 4.7%, avoiding $323K in premiums and removing $1.5M+ in claims through strategic benefit solutions. $450,000+ Saved Through Strategic Risk Transfer Solutions Illinois manufacturer transforms 42% healthcare cost increase into $450K+ savings through innovative treatments and strategic risk management solutions. Midwest Real Estate Company Goes From a 37% Increase to an 11% Decrease Midwest Real Estate Company Goes From a 37% Increase to an 11% Decrease with the help of Cottingham & Butler. 1 2 3 4 5 Transportation Transportation $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. From Good to Great: Transform Your Safety Culture Through Group Captives Discover how Cottingham & Butler's transportation captive insurance programs help trucking companies gain control, reduce costs, and improve safety. Hear from industry leaders like Karen Smerchek, Veriha Trucking President and TCA President on proven results. From Good to Great: The Schuster Company Captive Story Through strategic claims handling and safety partnerships, see how Schuster Co. transformed standard practices into competitive advantages. 1 2 Case Study Property Casualty Property & Casualty Transforming Claims Management for a Major Foundry Foundry with hazardous operations sought C&B's risk team for help, as poor claims management threatens safety and finances. SafetySMART Success Story: Building a Unified Safety Culture Iowa construction company needed to unify safety programs across six business entities. A Program Overhaul Achieves $346,000 in Premium Savings Discover how an aluminum products company transformed their property insurance program through strategic risk management with C&B. 1 2 3 “Our collaboration with Cottingham & Butler has been transformative.” Rihm Kenworth Connect with our Team of Experts Up

The Cottingham & Butler group captive insurance model allows trucking companies to break free from the standard market, take control of their insurance program, reduce costs, and invest in themselves. Transportation Captives Cottingham & Butler Captives & Programs deliver alternative risk solutions for best-in-class companies. CONNECT WITH OUR TEAM Cottingham & Butler transportation captives provide best-in-class companies a competitive advantage by rewarding great performance. Captive Advantage LEARN MORE ABOUT THE CAPTIVE ADVANTAGE Securing Your Future With Our Experience With substantial experience supporting risk-sharing alternatives, you can count on Cottingham & Butler’s rich experience, expertise, and innovative captive solutions. The Cottingham & Butler Group Captive Insurance Model allows trucking companies to break free from the standard market, take control of their insurance program, reduce costs, and invest in themselves. Sole Producer for the World's Two Largest Transportation Captives Serving Over 252 Transportation Captive Members Globally Achieving a Remarkable 99% Member Retention Rate Leveraging Over 300 In-House Trucking Insurance Experts Comprehensive Programs and Services To Prepare You for Captive Insurance Dedicated In-House Teams Focused on Transportation Claims and Safety Establishing and Managing Industry Leading Captives Since 1992 Knowledge & Resources Trucking Companies Turn to Captive Insurance Programs to Control Rising Insurance Costs READ THE FULL ARTICLE Current Quarter Market Report DOWNLOAD THE 2024 Q4 REPORT Ready to learn more about our Transportation Captive Solutions? VIEW OUR CAPTIVE BROCHURE Unlock the Strategic Benefits of Captive Insurance Predictable Costs Less Market Volatility Control Over Claims Lower Premiums Tailored Coverage Best-in-Class Peer Engagement Return of Underwriting Profits Company Specific Loss Control Is a Group Captive Right for You? Tired of paying too much for your insurance? Want more control over claims handling? Want to join growth-focused peers? Need more proactive safety support? Ready to invest in yourself for premium returns? CONTACT OUR CAPTIVE EXPERTS TODAY! Captive Insight & Impact $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 Why Captive Insurance Could Be Your Company's Best-Kept Financial Secret Discover how captive insurance transforms business coverage from a pure expense into potential profit. Maintain comprehensive protection while earning dividend returns when claims are favorable. Learn why smart companies are choosing this alternative to traditional insurance that disappears forever. Articles The Captive Edge: From Standard to Superior Watch "The Captive Edge: From Standard to Superior" webinar recording. Discover how Cottingham & Butler's captive insurance programs deliver superior renewal outcomes with data analysis and client testimonials. On-Demand VIEW MORE Transportation Captive Contact Contact our Transportation Captive Experts Today!

Gain control over your healthcare expenses, reduce financial risk, and access tailored coverage with our Stop Loss Captive solutions. Our expertise and innovative approach ensure you're covered, and your bottom line is protected. Stop Loss Captive Solutions Cottingham & Butler Captives & Programs deliver alternative risk solutions for best-in-class companies. CONNECT WITH OUR TEAM Gain control over your healthcare expenses, reduce financial risk, and access tailored coverage with our Stop Loss Captive solutions. Our expertise and innovative approach ensure you're covered, and your bottom line is protected. Captive Advantage A growing number of employers are considering medical stop loss group captives as a strategic alternative to both traditional first-dollar health insurance and self-funded programs. Guide Re is a member owned group captive managed by Cottingham & Butler, that harnesses the benefits of self-funded health plans while incorporating a captive insurance overlay and allows flexibility to tailor health programs to your unique requirements. 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 Deerwalk Analytics is a state-of-the-art population health management and healthcare analytics engine that provides employers with meaningful insights to better manage and analyze their costs, care quality, and risk of populations SCHEDULE A DEMO WITH OUR TEAM 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 $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 Why Captive Insurance Could Be Your Company's Best-Kept Financial Secret Discover how captive insurance transforms business coverage from a pure expense into potential profit. Maintain comprehensive protection while earning dividend returns when claims are favorable. Learn why smart companies are choosing this alternative to traditional insurance that disappears forever. Articles The Captive Edge: From Standard to Superior Watch "The Captive Edge: From Standard to Superior" webinar recording. Discover how Cottingham & Butler's captive insurance programs deliver superior renewal outcomes with data analysis and client testimonials. On-Demand VIEW MORE Stop Loss Captive Contact our Stop Loss Captive Experts Today!

We firmly believe in the extraordinary capabilities of people. Our commitment is to unleash that potential by empowering our team to take on new challenges, creating remarkable outcomes for our clients. Join a team that celebrates your talents, where your contributions make a genuine impact on the business. People are capable of amazing things EXPLORE CAREER OPPORTUNITIES At Cottingham & Butler, we firmly believe in the extraordinary capabilities of people. Our commitment is to unleash that potential by empowering our team to take on new challenges that create remarkable outcomes for our clients. Join a team that celebrates your talents and where your contributions make a genuine impact on the business. Learn more about what we do, who we are, and why you’ll love working here too. Sales Career Earn trusted advisor status with some of the best companies across the country. Help owners and senior-level executives transform how they manage their business and solve some of their greatest challenges when it matters most. EXPLORE SALES CAREERS Meet Colin, Sales Superstar > Service Career Join a dynamic team of professionals who are committed to delivering exceptional client value and service, every day. Raise the bar by advocating, inventing, and delivering results for organizations across a variety of industries. JOIN OUR SERVICE TEAM Meet Blythe, Service Champion > Corporate Career Join a trusted corporate resource team, responsible for delivering operational excellence that supports our rapid growth. Together, we share the goal of delivering specialized service and expertise that help moves the business forward. EXPLORE CAREER OPPORTUNITIES Meet George, Creative Achiever > Interns & New Grads As a young professional, you'll be immersed into a team that mentors you to master the business, empowering you to start problem-solving and delivering client value from day one. EXPLORE OUR STUDENT OPPORTUNITIES Meet Sydney, Passionate Problem-Solver > Better Every Day At Cottingham & Butler we believe in the power of continuous improvement. That's why "Better Every Day" isn't just our slogan, it's the driving force behind everything we do. It shapes our interactions with clients, strengthens team connections, and positively impacts the communities we serve. Ready to work for a company that prioritizes your well-being? A career here gets you access to a variety of benefits + perks that help you be your happiest, healthiest self. We are committed to helping our team grow personally and professionally, with benefits built to support every stage of life. Health & Wellness Medical, Dental, Vision, Rx Free Telehealth Paid Disability Brain Health Resources Wealth Benefits 401K Profit Sharing Tax-Advantaged Accounts Dependent Scholarship Program Time & Family Paid Time Off Employee Discounts Holiday Club Onsite Dining & Fitness Supporting Working Parents We know the importance of family, so at our home office in Dubuque, Iowa, we have a childcare center where employees receive special rates and are offered first availability at this state-of-the-art facility. Powered by New Horizon Academy, our childcare center includes thoughtfully designed curriculums that foster a love for learning. Hear insight from Cottingham & Butler teammates! EXPLORE MORE Begin your job search now and discover exciting career opportunities at our company. Featured Roles Entry Level Sales Executive Senior Accountant Employee Benefits Client Consultant APPLY TODAY! APPLY TODAY! APPLY TODAY! View all career opportunities > Connect with our Recruiting Team!