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We recognize the distinctive insurance needs faced by independent contractors and the motor carriers they serve. With our specialized expertise and extensive industry experience, we're dedicated to being your trusted partner as your business expands, offering adaptable insurance options crafted to mitigate accidents and minimize expenses. Independent Contractor Insurance Solutions Elevating your independent contractor program with tailored solutions for enhanced protection and peace of mind. CONNECT WITH OUR TEAM We recognize the distinctive insurance needs faced by independent contractors and the motor carriers they serve. With our specialized expertise and extensive industry experience, we're dedicated to being your trusted partner as your business expands, offering adaptable insurance options crafted to mitigate accidents and minimize expenses. Our Approach Our Independent Contractor Assessment thoroughly evaluates both insurable and non-insurable risk factors inherent in independent contractor operations. The Independent Contractor RMA focuses on 3 main areas and encompasses over 130 points of exposure: Insurance Perform thorough policy reviews, conduct gap analysis, and facilitate placement of coverage. Administration Efficiently manage & review insurance files, streamline online enrollment, certificates, and settlement deduction integration, along with certificate management for non-settlement participants. Legal & Compliance Conduct lease contract audits and fleet state exposure analyses by transportation-specific attorneys. Independent Contractor Risk Scorecard Discover your contractor risk exposure using our Independent Contractor Risk Scorecard. Identify gaps, consequences, and solutions to mitigate risks, including: Avoiding severe federal and state fines and penalties for misclassifying drivers Eliminating Workers' Compensation 1099 premium audit Reducing contractor bad debt Alleviating costly class action lawsuits from independent contractors Attracting and retain independent contractors with competitive insurance programs GET STARTED – TAKE THE ASSESSMENT NOW Exclusive Program: Independent Driver Solutions (IDS) Cottingham & Butler’s Independent Driver program provides flexible insurance options that independent drivers need from a partner they can trust. Flexible Options with Comprehensive Protection: Occupational Accident Workers Compensation Physical Damage Contract Liability Non Trucking Liability LEARN MORE Independent Contractor Insights Owner-Operator & Small Fleet: Strategic Insurance Approaches for Growth Learn how different insurance strategies can drive growth for operations of all sizes. Articles On-Demand | CVSA Brake Check: Insider Tips and Tricks CVSA’s Operation Airbrake Program's next scheduled campaign will occur from August 25-31, 2024. In 2023, 18,875 commercial motor vehicles... Articles The Sub-Hauler Model What if you could combine the benefits of freight brokers, and keep a consistent partner and stream of freight for the trucking company? Articles VIEW MORE IC Team Connect with our Independent Contractor Team Today

WEBINAR Leaves of Absence: Focus on State Mandates Thursday, May 21, 2026 Register Now! Each person who plans to attend the webinar should complete this registration form. As leave laws evolve, administering employee benefits during protected and unpaid leaves has become increasingly nuanced. In this session, we'll break down employer obligations, benefit continuation requirements, and key decision points when coordinating federal, state, and company leave policies. Special focus will be given to how expanding state paid leave programs are reshaping employer responsibilities and compliance strategies. May 21, 2026 2:00 PM CST VIRTUAL Learning Objectives By the end of this webinar, participants will be able to: Explain employer obligations for benefit continuation during protected and unpaid leaves under federal, state, and company leave policies Navigate key decision points when coordinating overlapping leave laws, including FMLA, ADA, and applicable state mandates Evaluate how expanding state paid leave programs affect employer compliance strategies and benefit administration responsibilities Brought to you by our Partners at Assurex Global Upcoming Events WEBINAR June 18, 2026 Nondiscrimination Rules Differentiating benefits can be a strategic tool for employers — but not all differences are allowed. This webinar will help employers understand when and how they can differentiate benefit programs while staying compliant. In this session, we'll break down the various nondiscrimination requirements that apply to employee benefit plans, including tax code testing rules for highly compensated and key employees and protections against discrimination based on health status, disability, and other protected characteristics. Read More Register Now IN-PERSON May 28th, 2026 Benefits Seminar | Power Hour Rising healthcare costs are inevitable, but how much you absorb may not be. Many employers are leaving significant savings on the table by only using surface-level fixes like raising deductibles or shopping the market. C&B’s approach works with employers across 5 standout strategies: managing plan eligibility, transferring large claim risk, restructuring plan financials, controlling pharmacy spend, and steering employees to cost-effective care. These strategies together can fundamentally change what you pay and why. Register today to secure your spot for a great discussion. Read More Register Now WEBINAR May 21, 2026 Leaves of Absence: Focus on State Mandates As leave laws evolve, administering employee benefits during protected and unpaid leaves has become increasingly nuanced. In this session, we'll break down employer obligations, benefit continuation requirements, and key decision points when coordinating federal, state, and company leave policies. Special focus will be given to how expanding state paid leave programs are reshaping employer responsibilities and compliance strategies. Read More Register Now IN-PERSON May 20-21, 2026 2026 Transportation Safety Workshop Join us for a two-day safety workshop designed to strengthen your transportation safety program from the ground up. Engage with industry experts and fellow safety professionals as we dig into the topics that matter most: nuclear verdict prevention and large claims mitigation, safety inspection protocols and Hours of Service compliance, CSA reduction strategies, safety incentive programs, and driver coaching techniques. Two sessions set this workshop apart, our live truck and trailer inspection gives you hands-on experience you won't get in a conference room, and our deposition training puts you through real-world scenarios so you're prepared when it counts. Through focused breakout sessions and peer roundtables, you'll share challenges with professionals who understand your daily operations, build connections that extend beyond the event, and walk away with strategies ready to put to work the following Monday. Read More Register Now WEBINAR April 23, 2026 Spring Cleaning: Compliance Checklist & Regulatory Updates It's time for a compliance refresh. This month we'll review key compliance deadlines, best practices, and areas that deserve a second look. We'll also cover regulatory updates that have already rolled out in 2026 and what to watch for in the months ahead, giving you a clear roadmap for the rest of the year. Read More Register Now WEBINAR December 16, 2026 OSHA Recordkeeping & ITA Compliance In this session, safety expert TJ Greenwood will provide a comprehensive overview of OSHA 300 log recordkeeping requirements. Participants will learn how to accurately complete the OSHA 300 log to ensure it makes a positive impression during site inspections, as it is often the first document requested by OSHA. Additionally, this discussion will cover strategies for staying compliant with OSHA 300 log recordkeeping requirements. Read More Register Now View All Events Connect with a C&B Representative 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. Unlock the Power of Data for Your Trucking Business START THE SURVEY NOW! In today’s competitive trucking landscape, every dollar counts. For over 16 years, Cottingham & Butler has been dedicated to helping motor carriers like yours navigate the complexities of employee benefits and compensation. The Trucking Benchmark Compensation & Benefits Survey—your essential tool for ensuring you’re not overspending while still attracting top talent. Did you miss the opportunity to participate in our 2025 survey? If so, download the FREE sneak peak , offering you glimpse into the full report. GET YOUR FREE 2025 INSIDE LOOK NOW! Why Participate? High driver turnover isn't just a statistic – it's a seismic blow to your trucking company's bottom line. Research shows that losing just one driver can cost your company up to $11,500, factoring in recruitment, training, and lost productivity expenses. Recruiting and retaining top-quality drivers is crucial for the success of any motor carrier. The Cottingham & Butler Trucking Benchmark Survey offers insights into: Driver compensation & bonus structures Paid time off strategies Detailed Medical and Rx Plan Benchmarks Miscellaneous benefits tailored to the trucking industry Gain a competitive advantage and elevate your cost management strategies by benchmarking your programs against industry peers. Join over 30 states already leveraging the Trucking Benchmark Compensation & Benefits Survey to make data-driven decisions. Take the first step today and discover how your company's benefits and compensation stack up against industry standards. Together, we'll optimize your financial strategy to keep your business competitive while maintaining a healthy bottom line. START THE SURVEY NOW! Transportation Insight & Impact Carbon Monoxide Risks When Operating Forklifts In many industries, forklifts are essential for moving materials and goods. However, when forklifts powered by gasoline, propane and diesel fuel are used indoors or in confined spaces, dangerous levels of carbon monoxide can build up quickly. Carbon monoxide is a colorless, odorless and tasteless gas produced by internal combustion engines. Because you cannot see or smell it, carbon monoxide can build up quickly without warning and cause serious health risks, including deat Articles Navigating FMCSA Compliance Reviews Hosted by SMSC Senior Safety Consultant Kara Vines, our most recent webinar, "Navigating FMCSA Compliance Reviews," provided clarity, confidence, and the tools needed to help navigate the FMCSA Compliance Review with success. Attendees were taken behind the scenes of the review process, from the initial notification to the final safety rating, and discovered the most common violations, how to organize required documentation, and practical strategies for strengthening Safety M On-Demand What Fleets Need to Know About the FMCSA MOTUS System Learn what FMCSA's new MOTUS platform is, why fleets are talking about it, and the three simple steps carriers should take right now to prepare for this major system modernization. Articles VIEW MORE Whether you need clarification on survey data or want to discuss optimizing your benefits strategy, we're just a message away. Jill Lange Sales Executive Kim Beck Senior Vice President Jamie Bishop Vice President Eddie Rios Vice President Jackie Ronning Vice President Mark Rapp Sales Executive TBS Connect with our team of trucking benefits experts!

At Cottingham & Butler, we specialize in navigating the intricate landscape of mergers and acquisitions, ensuring a smooth transition of benefit structures while minimizing risks. Mergers & Acquisitions Streamlining Benefit Transition and Risk Assessment CONNECT WITH OUR TEAM M&A transitions shouldn't be a benefits burden. We help our clients expertly navigate the complexities, ensuring a smooth benefit structure integration and minimizing risks for a successful, stress-free transaction. Our M&A Strategy Our tailored approach involves thorough due diligence and risk evaluation, empowering you with informed choices. From optimizing cost structures to providing additional solutions and support, we stand by your side, making M&A management seamless. Informed Decisions through Due Diligence We carefully analyze benefit structures and risks, equipping you with vital insights for informed M&A decisions. Options for Transitioning Benefit Structure We present tailored options to transition benefit structures smoothly, ensuring minimal disruption and maximum employee satisfaction. Optimizing Cost Structure Our expertise allows us to identify cost-saving opportunities, negotiate effectively, and streamline procurement, improving overall financial health. Support Beyond Expectations We go the extra mile by providing support beyond benefit transition, ensuring you experience a seamless merger or acquisition and set a solid foundation for future success. Mergers and acquisitions are exciting endeavors, but don’t let benefit discrepancies disrupt your M&A timeline or negatively impact employee morale. Download our free guide to M&A benefits integration Mergers & Acquisitions Insights 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 Mergers Connect with our Team of Experts Today!

IN-PERSON Better Every Day Seminar / Oak Brook Thursday, July 9th | 8:00AM – 2:00PM Oak Brook Hills Resort & Conference Center 3500 Midwest Road I Oak Brook IL 60523 Join us at Oak Brook Hills Resort in Oak Brook, IL for an engaging day where you'll gain quick-hit strategies on healthcare cost management, compensation and financial wellness, and employee retention through interactive Power Talks. The day opens and closes with powerful personal leadership sessions to help you maximize your impact at your organization. Connect with like-minded HR professionals throughout the day during networking breaks and a provided lunch and breakfast. This event is HRCI/SHRM accredited. Register today to secure your spot! July 9, 2026 8:00 AM – 2:00 PM Oak Brook, IL An Agenda Filled with Insight 8:00 AM – 9:00 AM | Registration, Networking, and Breakfast 9:00 AM – 10:30 AM | Keynote 1: Authentic Leadership in Action 10:30 AM -10:45 AM | Break 10:45 AM – 12:00 PM | Benefits & Business: 20-Minute Power Talks on Critical Trends For All Employers Why Financial Literacy Education Could Be the Most Valuable Benefit You Offer to Employees Misaligned Incentives: One of the Big Reasons Healthcare Costs Are Spiraling and How To Regain Control Weight Loss & Wellbeing: The Ultimate Retention Tool or A Wasted Expense? 12:00 PM – 1:00 PM | Lunch & Giveaways 1:00 PM – 2:00 PM | Keynote 2: Finding Nirvana: Do Less. Achieve More. Presenters Fallon Millerski Account Executive - HealthCheck360 Tammy Rogers BecomeMore Group Heather Acerra Sales Executive, Benefits – Cottingham & Butler Taylor Orton VP - Benefits Nichole Schnee Benefits Consultant - Cottingham & Butler Tiffany Johnsrud Benefits Consultant - Cottingham & Butler Paul Tourville Paul T. Tourville, Partner, CASL Trent Tangen Assistant Vice President - HealthCheck360 Upcoming Events WEBINAR March 19, 2026 Navigating Employer-Sponsored Coverage & Medicare Join us for a practical session on how Medicare interacts with employer-sponsored health plans—an increasingly important topic as more employees continue working past age 65. We’ll break down eligibility and enrollment timing for Medicare Parts A, B, and D, clarify how Medicare Secondary Payer (MSP) rules impact group plan coordination, and highlight key considerations such as HSA eligibility, COBRA timing, and employer premium reimbursements. Understanding these rules is essential for employers evaluating benefit offerings and for employees choosing the coverage option that best fits their needs. Register Now! Register Now! IN-PERSON April 29-30, 2026 Better Every Day Seminar / Trucking / Dallas Join us in Dallas, TX at the Renaissance Dallas Hotel for our first annual Trucking Seminar where industry leaders will share proven strategies to tackle your biggest challenges in 2026. Discover what's actually working to attract and retain talent through our exclusive 2025 Trucking Compensation & Benchmark survey results, learn how top-performing carriers are beating industry turnover trends, and gain actionable tactics to reduce rising prescription drug costs without driver backlash. We'll also cover critical compliance topics like leave of absence management and high-risk member care strategies that protect your bottom line while keeping operations running smoothly. Register Now! Register Now! WEBINAR April 21, 2026 Understanding CSA Scores and Their Impact Your CSA (Compliance, Safety, Accountability) score isn’t just a number—it’s a reflection of your fleet’s safety culture and a key factor in your company’s reputation, insurance rates, and ability to win contracts. In this session, SMSC Senior Safety Consultant Anne-Marie Naples demystifies the CSA scoring system, explaining how violations are weighted, how scores are calculated, and what they mean for your business. Attendees will learn how to monitor their scores, interpret BASIC categories, and implement targeted strategies to improve performance. Register Now! Register Now! IN-PERSON May 7-8, 2026 CEO Summit No platitudes. No sales pitches. No time wasted. The best leaders never stop looking for better ideas. They put themselves in rooms where the thinking is sharp, the challenges are shared, and the lessons come from experience. This event is invite only. Learn More! Learn More! WEBINAR April 23, 2026 Spring Cleaning: Compliance Checklist & Regulatory Updates It's time for a compliance refresh. This month we'll review key compliance deadlines, best practices, and areas that deserve a second look. We'll also cover regulatory updates that have already rolled out in 2026 and what to watch for in the months ahead, giving you a clear roadmap for the rest of the year. Register Now! Register Now! IN-PERSON May 14, 2026 Better Every Day Seminar / Pewaukee Join us at The Ingleside Hotel in Pewaukee, WI for an engaging day where you'll gain quick-hit strategies on healthcare cost management, compensation and financial wellness, and employee retention through interactive Power Talks. The day opens and closes with powerful personal leadership sessions to help you maximize your impact at your organization. Connect with like-minded HR professionals throughout the day during networking breaks and a provided lunch and breakfast. This event is HRCI/SHRM accredited. Register today to secure your spot! Register Now! Register Now! View All Events Connect with a C&B Representative Today!

WEBINAR Leaves of Absence: Focus on State Mandates Thursday, May 21, 2026 Register Now! Each person who plans to attend the webinar should complete this registration form. As leave laws evolve, administering employee benefits during protected and unpaid leaves has become increasingly nuanced. In this session, we'll break down employer obligations, benefit continuation requirements, and key decision points when coordinating federal, state, and company leave policies. Special focus will be given to how expanding state paid leave programs are reshaping employer responsibilities and compliance strategies. May 21, 2026 2:00 PM CST VIRTUAL Learning Objectives By the end of this webinar, participants will be able to: Explain employer obligations for benefit continuation during protected and unpaid leaves under federal, state, and company leave policies Navigate key decision points when coordinating overlapping leave laws, including FMLA, ADA, and applicable state mandates Evaluate how expanding state paid leave programs affect employer compliance strategies and benefit administration responsibilities Brought to you by our Partners at Assurex Global Upcoming Events WEBINAR March 19, 2026 Navigating Employer-Sponsored Coverage & Medicare Join us for a practical session on how Medicare interacts with employer-sponsored health plans—an increasingly important topic as more employees continue working past age 65. We’ll break down eligibility and enrollment timing for Medicare Parts A, B, and D, clarify how Medicare Secondary Payer (MSP) rules impact group plan coordination, and highlight key considerations such as HSA eligibility, COBRA timing, and employer premium reimbursements. Understanding these rules is essential for employers evaluating benefit offerings and for employees choosing the coverage option that best fits their needs. Register Now! Register Now! IN-PERSON April 29-30, 2026 Better Every Day Seminar / Trucking / Dallas Join us in Dallas, TX at the Renaissance Dallas Hotel for our first annual Trucking Seminar where industry leaders will share proven strategies to tackle your biggest challenges in 2026. Discover what's actually working to attract and retain talent through our exclusive 2025 Trucking Compensation & Benchmark survey results, learn how top-performing carriers are beating industry turnover trends, and gain actionable tactics to reduce rising prescription drug costs without driver backlash. We'll also cover critical compliance topics like leave of absence management and high-risk member care strategies that protect your bottom line while keeping operations running smoothly. Register Now! Register Now! WEBINAR April 21, 2026 Understanding CSA Scores and Their Impact Your CSA (Compliance, Safety, Accountability) score isn’t just a number—it’s a reflection of your fleet’s safety culture and a key factor in your company’s reputation, insurance rates, and ability to win contracts. In this session, SMSC Senior Safety Consultant Anne-Marie Naples demystifies the CSA scoring system, explaining how violations are weighted, how scores are calculated, and what they mean for your business. Attendees will learn how to monitor their scores, interpret BASIC categories, and implement targeted strategies to improve performance. Register Now! Register Now! IN-PERSON May 7-8, 2026 CEO Summit No platitudes. No sales pitches. No time wasted. The best leaders never stop looking for better ideas. They put themselves in rooms where the thinking is sharp, the challenges are shared, and the lessons come from experience. This event is invite only. Learn More! Learn More! WEBINAR April 23, 2026 Spring Cleaning: Compliance Checklist & Regulatory Updates It's time for a compliance refresh. This month we'll review key compliance deadlines, best practices, and areas that deserve a second look. We'll also cover regulatory updates that have already rolled out in 2026 and what to watch for in the months ahead, giving you a clear roadmap for the rest of the year. Register Now! Register Now! IN-PERSON May 14, 2026 Better Every Day Seminar / Pewaukee Join us at The Ingleside Hotel in Pewaukee, WI for an engaging day where you'll gain quick-hit strategies on healthcare cost management, compensation and financial wellness, and employee retention through interactive Power Talks. The day opens and closes with powerful personal leadership sessions to help you maximize your impact at your organization. Connect with like-minded HR professionals throughout the day during networking breaks and a provided lunch and breakfast. This event is HRCI/SHRM accredited. Register today to secure your spot! Register Now! Register Now! View All Events Connect with a C&B Representative Today!

We help clients lower their total cost of risk by challenging the status quo, solving complex business problems, and delivering creative insurance solutions. Property & Casualty Insurance Risk Solutions We help clients lower their total cost of risk by challenging the status quo, solving complex business problems and delivering creative insurance solutions. Our technical expertise and proprietary programs, combined with our commitment to client service, are the foundation of the value we bring to our clients every day. Imagine a future where risk is not just managed, but confidently understood. We’ve found that most insurance programs provide a limited view of your total risk landscape. Wouldn’t it be nice to see the whole 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. CONNECT WITH OUR TEAM TO LEARN MORE Client Solutions Empowering businesses with comprehensive solutions to navigate risk and achieve long-term success. Insurance & Consulting Captives & Programs Safety & Loss Prevention Claims Management Featured Expertise The Captive Advantage Tired of rising insurance costs and limited control? You're not alone. Many leading companies are turning to captive programs to: Reduce costs : Gain greater control over your risk and potentially achieve significant savings. Run a safer company : Proactive risk management programs within captives can lead to fewer claims and improved safety culture. Control over claims : Have a say in the claims process and work with a team that truly understands your risk profile and expectations. SEE IF A CAPTIVE IS RIGHT FOR YOU One Hack Away From Disaster? Cyber attacks are a constant threat, regardless of industry or size. According to IBM's 2023 Cost of a Data Breach Report, the average cost of a data breach for businesses is a staggering $2.6 million. Can your business afford these significant financial repercussions? A single cyber attack can trigger a serious domino effect, crippling your daily operations, breaking customer trust, and exposing your organization to large fines and legal repercussions. Don't wait for a disaster to strike. Secure your future, today. COMPLETE YOUR FREE CYBER RISK ASSESSMENT Client Impact Story Discover How One Client Achieved a 28% Reduction in Property Premiums, Saving $675,000 Without Sacrificing Coverage VIEW CLIENT CASE STUDY Insight & Impact Carbon Monoxide Risks When Operating Forklifts In many industries, forklifts are essential for moving materials and goods. However, when forklifts powered by gasoline, propane and diesel fuel are used indoors or in confined spaces, dangerous levels of carbon monoxide can build up quickly. Carbon monoxide is a colorless, odorless and tasteless gas produced by internal combustion engines. Because you cannot see or smell it, carbon monoxide can build up quickly without warning and cause serious health risks, including deat Articles Illinois Beer Distributor Saves $375K Through Strategic Insurance Partnership Discover how a strategic insurance partnership and industry expertise transformed a beer distributor’s inadequate coverage into a comprehensive risk management program. Articles 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 VIEW MORE PC Contact Us Connect with our Property & Casualty Team

WEBINAR Spring Cleaning: Compliance Checklist & Regulatory Updates Thursday, April 23, 2026 Register Now! Each person who plans to attend the webinar should complete this registration form. It's time for a compliance refresh. This month we'll review key compliance deadlines, best practices, and areas that deserve a second look. We'll also cover regulatory updates that have already rolled out in 2026 and what to watch for in the months ahead, giving you a clear roadmap for the rest of the year. April 23, 2026 2:00 PM CST VIRTUAL Learning Objectives By the end of this webinar, participants will be able to: Identify key compliance deadlines and best practices for managing employer benefit obligations through the remainder of 2026 Summarize regulatory updates that have taken effect in 2026 and evaluate their impact on current benefit plan administration Develop a clear compliance roadmap by applying actionable next steps to gaps or areas that warrant a second look Brought to you by our Partners at Assurex Global Upcoming Events WEBINAR June 18, 2026 Nondiscrimination Rules Differentiating benefits can be a strategic tool for employers — but not all differences are allowed. This webinar will help employers understand when and how they can differentiate benefit programs while staying compliant. In this session, we'll break down the various nondiscrimination requirements that apply to employee benefit plans, including tax code testing rules for highly compensated and key employees and protections against discrimination based on health status, disability, and other protected characteristics. Read More Register Now IN-PERSON May 28th, 2026 Benefits Seminar | Power Hour Rising healthcare costs are inevitable, but how much you absorb may not be. Many employers are leaving significant savings on the table by only using surface-level fixes like raising deductibles or shopping the market. C&B’s approach works with employers across 5 standout strategies: managing plan eligibility, transferring large claim risk, restructuring plan financials, controlling pharmacy spend, and steering employees to cost-effective care. These strategies together can fundamentally change what you pay and why. Register today to secure your spot for a great discussion. Read More Register Now WEBINAR May 21, 2026 Leaves of Absence: Focus on State Mandates As leave laws evolve, administering employee benefits during protected and unpaid leaves has become increasingly nuanced. In this session, we'll break down employer obligations, benefit continuation requirements, and key decision points when coordinating federal, state, and company leave policies. Special focus will be given to how expanding state paid leave programs are reshaping employer responsibilities and compliance strategies. Read More Register Now IN-PERSON May 20-21, 2026 2026 Transportation Safety Workshop Join us for a two-day safety workshop designed to strengthen your transportation safety program from the ground up. Engage with industry experts and fellow safety professionals as we dig into the topics that matter most: nuclear verdict prevention and large claims mitigation, safety inspection protocols and Hours of Service compliance, CSA reduction strategies, safety incentive programs, and driver coaching techniques. Two sessions set this workshop apart, our live truck and trailer inspection gives you hands-on experience you won't get in a conference room, and our deposition training puts you through real-world scenarios so you're prepared when it counts. Through focused breakout sessions and peer roundtables, you'll share challenges with professionals who understand your daily operations, build connections that extend beyond the event, and walk away with strategies ready to put to work the following Monday. Read More Register Now WEBINAR April 23, 2026 Spring Cleaning: Compliance Checklist & Regulatory Updates It's time for a compliance refresh. This month we'll review key compliance deadlines, best practices, and areas that deserve a second look. We'll also cover regulatory updates that have already rolled out in 2026 and what to watch for in the months ahead, giving you a clear roadmap for the rest of the year. Read More Register Now WEBINAR December 16, 2026 OSHA Recordkeeping & ITA Compliance In this session, safety expert TJ Greenwood will provide a comprehensive overview of OSHA 300 log recordkeeping requirements. Participants will learn how to accurately complete the OSHA 300 log to ensure it makes a positive impression during site inspections, as it is often the first document requested by OSHA. Additionally, this discussion will cover strategies for staying compliant with OSHA 300 log recordkeeping requirements. Read More Register Now View All Events Connect with a C&B Representative Today!

IN-PERSON Benefits Seminar | Power Hour Thursday, May 28th, 2026 Doubletree by Hilton Omaha Southwest 3650 S 72nd St, Omaha, NE 68124 Rising healthcare costs are inevitable, but how much you absorb may not be. Many employers are leaving significant savings on the table by only using surface-level fixes like raising deductibles or shopping the market. C&B’s approach works with employers across 5 standout strategies: managing plan eligibility, transferring large claim risk, restructuring plan financials, controlling pharmacy spend, and steering employees to cost-effective care. These strategies together can fundamentally change what you pay and why. Register today to secure your spot for a great discussion. May 28th, 2026 11:30AM – 1:15PM Omaha, NE An Agenda Filled with Insight 11:30 AM – 12:00 PM | Registration & Lunch 12:00 PM – 1:00 PM | 5 Strategies You Need to Know to Impact the #1 Cost Driver on All Health Plans 1:00 PM – 1:15 PM | Closing thoughts Presenters BJ McAndrew Sales Executive, Benefits - Cottingham & Butler Nikki Goodchild VP Sales, Benefits – Cottingham & Butler Upcoming Events WEBINAR March 19, 2026 Navigating Employer-Sponsored Coverage & Medicare Join us for a practical session on how Medicare interacts with employer-sponsored health plans—an increasingly important topic as more employees continue working past age 65. We’ll break down eligibility and enrollment timing for Medicare Parts A, B, and D, clarify how Medicare Secondary Payer (MSP) rules impact group plan coordination, and highlight key considerations such as HSA eligibility, COBRA timing, and employer premium reimbursements. Understanding these rules is essential for employers evaluating benefit offerings and for employees choosing the coverage option that best fits their needs. Register Now! Register Now! IN-PERSON April 29-30, 2026 Better Every Day Seminar / Trucking / Dallas Join us in Dallas, TX at the Renaissance Dallas Hotel for our first annual Trucking Seminar where industry leaders will share proven strategies to tackle your biggest challenges in 2026. Discover what's actually working to attract and retain talent through our exclusive 2025 Trucking Compensation & Benchmark survey results, learn how top-performing carriers are beating industry turnover trends, and gain actionable tactics to reduce rising prescription drug costs without driver backlash. We'll also cover critical compliance topics like leave of absence management and high-risk member care strategies that protect your bottom line while keeping operations running smoothly. Register Now! Register Now! WEBINAR April 21, 2026 Understanding CSA Scores and Their Impact Your CSA (Compliance, Safety, Accountability) score isn’t just a number—it’s a reflection of your fleet’s safety culture and a key factor in your company’s reputation, insurance rates, and ability to win contracts. In this session, SMSC Senior Safety Consultant Anne-Marie Naples demystifies the CSA scoring system, explaining how violations are weighted, how scores are calculated, and what they mean for your business. Attendees will learn how to monitor their scores, interpret BASIC categories, and implement targeted strategies to improve performance. Register Now! Register Now! IN-PERSON May 7-8, 2026 CEO Summit No platitudes. No sales pitches. No time wasted. The best leaders never stop looking for better ideas. They put themselves in rooms where the thinking is sharp, the challenges are shared, and the lessons come from experience. This event is invite only. Learn More! Learn More! WEBINAR April 23, 2026 Spring Cleaning: Compliance Checklist & Regulatory Updates It's time for a compliance refresh. This month we'll review key compliance deadlines, best practices, and areas that deserve a second look. We'll also cover regulatory updates that have already rolled out in 2026 and what to watch for in the months ahead, giving you a clear roadmap for the rest of the year. Register Now! Register Now! IN-PERSON May 14, 2026 Better Every Day Seminar / Pewaukee Join us at The Ingleside Hotel in Pewaukee, WI for an engaging day where you'll gain quick-hit strategies on healthcare cost management, compensation and financial wellness, and employee retention through interactive Power Talks. The day opens and closes with powerful personal leadership sessions to help you maximize your impact at your organization. Connect with like-minded HR professionals throughout the day during networking breaks and a provided lunch and breakfast. This event is HRCI/SHRM accredited. Register today to secure your spot! Register Now! Register Now! View All Events Connect with a C&B Representative Today!

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 Drive Your Fleet Towards Better Health In the trucking industry, investing in driver health reduces healthcare costs and improves fleet performance. Articles The Costly Maze of Healthcare Benefits: Are You Losing Money and Quality Care? For today's employees, navigating the complex web of modern healthcare benefits has become a daunting challenge. While employers invest... Articles Three Things You Can Do to Improve Job Satisfaction In today's competitive job market, retaining talent is a top priority for any organization. Articles VIEW MORE Population Health Connect with our Team of Experts Today!

Our cost management strategies integrate analytics, alternative funding methods, and forward-thinking claim management to minimize expenses and maintain the value of your investments. Cost Management Reducing Costs While Maintaining Value CONNECT WITH OUR TEAM Recent studies have shown that family healthcare in the U.S. is now over $31K per year and the #1 cause of bankruptcy for even those with health insurance. We align employee benefit programs with your financial goals by analyzing market trends and usage patterns. Together, we identify cost-saving opportunities and assemble expert teams to enhance your financial success beyond insurance premiums, offering the comprehensive tools and resources required for overall cost reduction. We believe in going beyond traditional approaches. Our cost management strategies focus on minimizing expenses while ensuring your insurance investments retain their value. We integrate analytics, alternative funding methods, and forward-thinking claim management to optimize your benefits. Analytics: Empowering Informed Decisions Using advanced analytics, our team works to understand your specific needs, calculating cost-saving strategies and working with you to put effective solutions in place. Alternative Funding: Our Belief in Buying Less Insurance We adopt a forward-thinking approach, challenging the conventional idea of excessive insurance. Our specialists analyze your requirements and recommend alternative funding models that allow you to achieve comprehensive coverage while reducing unnecessary expenses. Claim Management: Innovative Risk Transfer, Reduction, and Mitigation Strategies Innovative risk management isn't just about handling claims; it's about understanding your risk profile and proactively mitigating it. Our strategies encompass pharmacy, wellness, and more, ensuring your risk is managed efficiently and cost-effectively. Financial Reporting: Measuring Success and Managing Financials Transparent and effective cost management are key aspects of our service. We provide comprehensive financial reporting that helps you measure the success of your insurance program and make informed decisions to optimize your financial resources. $280+ MILLION IN DIVIDENDS RETURNED TO MEMBERS Discover the Guide Re Captive Advantage – Your Path to Control & Savings Experience insurance like never before— where you're in control. Manage your healthcare spend, collaborate with like-minded businesses, gain more stable risk-sharing, and reap the potential return of underwriting profits. With expert advice and exclusive analytics, a new era of insurance awaits. VISIT OUR STOP LOSS CAPTIVE HUB Featured Expertise Pharmacy Benefits Management to Save on Rx Costs Drug prices skyrocketed by 13.5% in the last year alone! We have the expertise employers need to trim down those pharmacy costs, while making certain your employees have access to the vital medications they need. Considering a Shift? Exploring Self-Insured Health Plans and Captives Tired of rising healthcare costs? Moving to a self-funded health plan can provide employers with greater transparency into healthcare costs and the potential for substantial cost savings. Assess your readiness and explore the advantages of transitioning to a self-insured health plan or stop-loss captive arrangement. Receive a pharmacy benefits program assessment EXPLORE HEALTH PLAN FUNDING OPTIONS 5 Proven Strategies Every Employer Needs to Know Did you know that the average cost of family health coverage in the U.S. is a staggering $31,000 per year? That's nearly half of the typical household income. We've compiled five of the most impactful considerations your company can make to save on health coverage costs while providing exceptional benefits plans for your employees. GET YOUR FREE HEALTHCARE COST SAVINGS GUIDE Your Data At Your Fingertips CONTACT US TO SCHEDULE A DEMO Effortlessly analyze benefits performance, visualize insights, and tailor plan parameters for your members without needing external IT support or consultants. Our tools seamlessly integrate data, empowering informed decisions to enhance your benefits program, optimize costs, and improve employee health outcomes. Secure & Centralized Healthcare Data Customizable On-Demand Reporting & Dashboards Milliman Predictive Member Risk Indexing Quantros Provider Quality Scoring Medicare Cost Equivalent Provider Price Comparisons Population Gaps in Care Enhanced Claims Benchmarking – including National, Regional, and Industry Cost Management Insights Fuel Efficiency Best Practices for Fleets Discover proven strategies to reduce fleet fuel costs by up to 35%. Learn driver training, route optimization, maintenance tips and telematics solutions that cut expenses and boost efficiency for transportation fleets. Articles The Benefits Brief | Micro-Strategy Sessions Access recorded Benefits Brief Micro-Strategy Sessions with BJ McAndrew - 15-minute expert insights on healthcare cost management for CFOs and HR leaders. Topics include eligibility management, pharmacy spend, and cost-effective provider strategies. On-Demand When Good Benefits Go Bad: Rethinking Employer Health Plans Employee benefits expert Josh Surber reveals how traditional employer health plans are failing workers who pay thousands for coverage they can't afford to use. Discover proven solutions including price transparency and chronic condition management. Articles VIEW MORE Cost Management Connect with our Cost-Saving Experts Today!

WEBINAR Securing the Scene: Best Practices After a Collision Tuesday, September 15th | 1-2 PM CST When a crash occurs, the first few minutes—and the days that follow—can shape the outcome for your fleet, your drivers, and your business. This webinar hosted by SMSC Senior Safety Consultant Justin Smoot equips trucking professionals with the tools to respond effectively at the scene, preserve critical evidence, and initiate a thorough post-crash investigation. Beyond immediate response, Justin will dive into how fleets can determine “preventability,” implement remedial training, and use coaching to reduce repeat incidents. September 15, 2026 1:00 PM VIRTUAL Learning Objectives Information Coming Soon! Your Host Justin Smoot Senior Safety Consultant, SMSC Upcoming Events WEBINAR June 18, 2026 Nondiscrimination Rules Differentiating benefits can be a strategic tool for employers — but not all differences are allowed. This webinar will help employers understand when and how they can differentiate benefit programs while staying compliant. In this session, we'll break down the various nondiscrimination requirements that apply to employee benefit plans, including tax code testing rules for highly compensated and key employees and protections against discrimination based on health status, disability, and other protected characteristics. Read More Register Now IN-PERSON May 28th, 2026 Benefits Seminar | Power Hour Rising healthcare costs are inevitable, but how much you absorb may not be. Many employers are leaving significant savings on the table by only using surface-level fixes like raising deductibles or shopping the market. C&B’s approach works with employers across 5 standout strategies: managing plan eligibility, transferring large claim risk, restructuring plan financials, controlling pharmacy spend, and steering employees to cost-effective care. These strategies together can fundamentally change what you pay and why. Register today to secure your spot for a great discussion. Read More Register Now WEBINAR May 21, 2026 Leaves of Absence: Focus on State Mandates As leave laws evolve, administering employee benefits during protected and unpaid leaves has become increasingly nuanced. In this session, we'll break down employer obligations, benefit continuation requirements, and key decision points when coordinating federal, state, and company leave policies. Special focus will be given to how expanding state paid leave programs are reshaping employer responsibilities and compliance strategies. Read More Register Now IN-PERSON May 20-21, 2026 2026 Transportation Safety Workshop Join us for a two-day safety workshop designed to strengthen your transportation safety program from the ground up. Engage with industry experts and fellow safety professionals as we dig into the topics that matter most: nuclear verdict prevention and large claims mitigation, safety inspection protocols and Hours of Service compliance, CSA reduction strategies, safety incentive programs, and driver coaching techniques. Two sessions set this workshop apart, our live truck and trailer inspection gives you hands-on experience you won't get in a conference room, and our deposition training puts you through real-world scenarios so you're prepared when it counts. Through focused breakout sessions and peer roundtables, you'll share challenges with professionals who understand your daily operations, build connections that extend beyond the event, and walk away with strategies ready to put to work the following Monday. Read More Register Now WEBINAR April 23, 2026 Spring Cleaning: Compliance Checklist & Regulatory Updates It's time for a compliance refresh. This month we'll review key compliance deadlines, best practices, and areas that deserve a second look. We'll also cover regulatory updates that have already rolled out in 2026 and what to watch for in the months ahead, giving you a clear roadmap for the rest of the year. Read More Register Now WEBINAR December 16, 2026 OSHA Recordkeeping & ITA Compliance In this session, safety expert TJ Greenwood will provide a comprehensive overview of OSHA 300 log recordkeeping requirements. Participants will learn how to accurately complete the OSHA 300 log to ensure it makes a positive impression during site inspections, as it is often the first document requested by OSHA. Additionally, this discussion will cover strategies for staying compliant with OSHA 300 log recordkeeping requirements. Read More Register Now View All Events Connect with a C&B Representative Today!