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As a trusted insurance advisor, we help clients protect their most important assets through effective risk management and first-rate coverage. Tribal Nations Protecting tribal sovereignty through comprehensive insurance solutions. CONNECT WITH OUR TEAM At Cottingham & Butler, we understand the unique exposures of Tribal Nations. We are committed to tailoring risk management solutions that protect sovereignty and positively impact the tribe for generations to come. Comprehensive Insurance Solutions Tailored to Tribal Nations Our team specializes in delivering custom-tailored solutions that address the unique challenges and opportunities within Indian Country. Our core areas of expertise include: Property & Casualty Solutions Property & Casualty Consulting Tribal Governance Assistance Safety & Loss Control Consulting Claims Advocacy Casualty Claims Administration (TPA) Contract Review & Risk Management Cyber Security Preparedness Employee Benefits & Health Management Proprietary Medicare Like Rates Integrated Health Management Maximized Tribal Health Systems Re-Circulating Health Care Dollars Active Participation in Tribal Legislative Initiative, Industry, and Inter-related Services Why Tribal Nations Choose Cottingham & Butler Proven Track Record We serve sovereign nations across the country with a deep understanding of Tribal sovereignty, federal regulations, and the unique challenges of the tribal government, gaming, and economic development. Innovative Solutions Our team brings forward-thinking solutions to risk management challenges, always with respect to Tribal culture and values. Trusted Partnership We don't just provide insurance – we serve as strategic advisors committed to contributing to your Nation's long-term success and prosperity. Proactive Service Our commitment goes beyond reactive claims management. We proactively identify opportunities to enhance your risk management and benefits strategies. Specialized Tribal Expertise Bonding for 8(a) Government Contracts Support in drafting and modernizing tribal laws, codes, and ordinances Emergency and Active Shooter Preparedness Cybersecurity Readiness Tribal Ready to Partner with Us? Let's discuss how Cottingham & Butler could be an extension of your risk management team. Our team is ready to deliver innovative solutions that honor your sovereignty while providing exceptional value and protection. Contact our Tribal risk management specialists today so we can begin to learn what makes your tribe unique! Jennifer Lemanski Indian Country Risk Management Consultant jlemanski@cottinghambutler.com 231.633.9185 John Link Vice President, Indian Country Risk Management Consultant jlink@cottinghambutler.com 563.587.5288 Joe Zack Vice President, Indian Country Employee Benefits Consultant jzack@cottinghambutler.com 920.202.5271

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.

Webinar Cost-Control Strategies Your Competition Doesn't Know Yet Thursday, June 5th | 10 - 10:30AM Join this micro-strategy session revealing proven strategies that go beyond traditional negotiation tactics to significantly reduce your healthcare costs. Why Attend? If your organization is facing: - Unsustainable 10%+ annual premium increases - Limited alternatives from your current broker - Pressure to maintain competitive benefits while controlling costs This session will introduce strategic approaches that have helped our clients achieve dramatic savings - including dropping renewals by 20-30 percentage points. June 5, 2025 10:00 AM VIRTUAL What You'll Learn Our experts will share Cottingham & Butler's suite of proven cost-control strategies: Risk Transfer Solutions: Medicare Assistance Programs (MAP) that have saved employers $5,000+ per individual Strategic plan provisions that optimize coverage across multiple options Customized opt-out incentives that benefit both employers and employees Small Business Strategies: Core Programs: Enhanced network options that integrate with fully-insured designs Control Programs : Leading-edge alternatives for organizations facing challenging renewals Your Host Mark Rapp Sales Executive, Benefits – Cottingham & Butler Upcoming Events Webinar June 5, 2025 Cost-Control Strategies Your Competition Doesn't Know Yet Join this micro-strategy session revealing proven strategies that go beyond traditional negotiation tactics to significantly reduce your healthcare costs. Why Attend? If your organization is facing: - Unsustainable 10%+ annual premium increases - Limited alternatives from your current broker - Pressure to maintain competitive benefits while controlling costs This session will introduce strategic approaches that have helped our clients achieve dramatic savings - including dropping renewals by 20-30 percentage points. Register Now! Register Now! Webinar June 26, 2025 Common Employer Questions This month we’ll address some of the most common benefit compliance questions we’re helping employers work through in 2025. The topics will range from everyday compliance issues (e.g., mid-year election changes) that continue to cause confusion, to struggles with how to comply with recent additions or changes to compliance requirements in accordance with the ever-changing laws and regulations. Learn More! Learn More! Webinar June 18, 2025 The Dos & Don'ts of a Driver Safety Manual Many companies struggle to educate their fleets on regulatory compliance, safety policies, and procedures, while ensuring that their drivers and businesses are well-protected. But how much information is too much? How do you craft a Driver Safety Manual that is thorough yet practical? Join us for an insightful discussion on best practices for developing an effective manual, featuring guest speaker Attorney Alex Karcher from Bricker Graydon LLP. Alex will share key strategies for maintaining a clear, flexible safety program. Register Now! Register Now! In-Person July 17, 2025 Better Every Day Regional Seminar / Des Moines Join us at The Rewind Hotel in West Des Moines, IA to stay updated on today's rapidly evolving employee benefits landscape. As we navigate a new administration, groundbreaking AI developments, and rising healthcare costs, this SHRM/HRCI accredited event delivers essential insights for HR professionals. Beyond the comprehensive learning sessions, you'll enjoy networking opportunities with fellow HR leaders during breaks and a provided lunch, making this a truly valuable day of professional development. Register now to save your spot today – spots are limited! Register Now! Register Now! In-Person June 24 -27, 2025 NATMI Training & Certification According to NATMI, recipients who enrolled in a NATMI training and certification lowered their organization's accident rate by 86%, achieved a lower occupational injury rate by 83%, and controlled costs associated with accident litigation by 100%. The cost of participating in NATMI is minimal compared to the company’s day-to-day operational savings. The Certified Director of Safety (CDS)/Certified Safety Supervisor (CSS) course is designed to help safety personnel attain a greater professional knowledge base that should, in turn, provide greater confidence to improve operations, prevent and control injury and damage, as well as the ability to provide strong representation such as during a court case. Register Now! Register Now! In-Person July 30, 2025 Better Every Day Regional Seminar / Oak Brook Join us at Oak Brook Hills Resort & Conference Center to stay updated on today's rapidly evolving employee benefits landscape. As we navigate a new administration, groundbreaking AI developments, and rising healthcare costs, this SHRM/HRCI accredited event delivers essential insights for HR professionals. Beyond the comprehensive learning sessions, you'll enjoy networking opportunities with fellow HR leaders during breaks and a provided lunch, making this a truly valuable day of professional development. Register now to save your spot today – spots are limited! Register Now! Register Now! View All Events Connect with a C&B Representative Today!

HOTELS & RESORTS Essential Security & Disaster Preparedness for Hospitality Businesses Up Published on Heading 6 Written by: Heading 6 Page View Upcoming Events Webinar May 21, 2025 Motor Carrier Safety 101 Series | Overview of Part 395 Hours of Service and Accident Factor Do you have time to review all 395.1-38 and the FMCSA's guidance material? Would you feel prepared and confident if notified of an audit? Join Justin Smoot as he discusses part 395 of the FMCSR's Hours of Service of Drivers and Factor 3 of a Compliance Review. Justin will help attendees identify deficiencies in their fleet's Hours of Service (HOS) program while preventing roadside inspection violations. He'll analyze industry data and benchmarks to evaluate your fleet's performance, highlighting both strengths and areas for improvement. Additionally, Justin will provide guidance on calculating your fleet’s Accident Rates and address common challenges in accident documentation. Learn More! Learn More! In-Person May 22, 2025 Better Every Day Regional Seminar / Pewaukee Join us at The Ingleside Hotel in Pewaukee, WI to stay updated on today's rapidly evolving employee benefits landscape. As we navigate a new administration, groundbreaking AI developments, and rising healthcare costs, this SHRM/HRCI accredited event delivers essential insights for HR professionals. Beyond the comprehensive learning sessions, you'll enjoy networking opportunities with fellow HR leaders during breaks and a provided lunch, making this a truly valuable day of professional development. Register now to save your spot today – spots are limited! Register Now! Register Now! Webinar May 14, 2025 Hot Work Programs: Preventing Losses Through Proven Practices This webinar will focus on the importance of implementing effective hot work programs to prevent losses and ensure safety. It will cover OSHA's hot work standards, including the general requirements for fire prevention and protection during welding, cutting, and brazing operations. The session will also delve into best practices for managing hot work activities, identifying hazards, and implementing control measures to mitigate risks. Register Now! Register Now! View All Events Connect with a C&B Representative Today!

MICRO-STRAREGY SESSION MICRO-STRAREGY SESSION Simplified Benefits Solutions Thursday, April 10th | 10 - 10:30 AM Join us for an exclusive micro-strategy session designed specifically for busy business leaders like you. In just 30 minutes, you'll gain key insights into the benefits and healthcare trends directly impacting your business and discover solutions to the most challenging issues in the employee benefits space with real-world case studies of companies that have successfully implemented these strategies. April 10, 2025 10:00 - 10:30 AM VIRTUAL What You'll Learn Key insights into the benefits and healthcare trends directly impacting businesses like yours. Frameworks to help you simplify, organize, and prioritize the key decision points needing to be addressed when managing a benefits plan. Solutions for some of the most challenging issues businesses encounter in the employee benefits space. Real-world case studies of companies that have successfully implemented these solutions. Presenter James Ottavi Director, Benefits – Cottingham & Butler Upcoming Events MICRO-STRAREGY SESSION April 10, 2025 Simplified Benefits Solutions Join us for an exclusive micro-strategy session designed specifically for busy business leaders like you. In just 30 minutes, you'll gain key insights into the benefits and healthcare trends directly impacting your business and discover solutions to the most challenging issues in the employee benefits space with real-world case studies of companies that have successfully implemented these strategies. Register Now! Register Now! IN-PERSON May 6, 2025 Better Every Day Regional Seminar / East Peoria Join us at the Embassy Suites in East Peoria, IL to stay updated on today's rapidly evolving employee benefits landscape. As we navigate a new administration, groundbreaking AI developments, and rising healthcare costs, this SHRM/HRCI accredited event delivers essential insights for HR professionals. Beyond the comprehensive learning sessions, you'll enjoy networking opportunities with fellow HR leaders during breaks and a provided lunch, making this a truly valuable day of professional development. Register now to save your spot today – spots are limited! Register Now! Register Now! WEBINAR April 15, 2025 Navigating Tariff Impacts on the Trucking Industry By transforming the analytical process used to interpret freight trends, transportation industry leaders can identify actionable insights, proactively address the issues, and strategically capitalize on the opportunities produced by the coming shifts in the global trade economy. Register Now! Register Now! WEBINAR May 14, 2025 Hot Work Programs: Preventing Losses Through Proven Practices This webinar will focus on the importance of implementing effective hot work programs to prevent losses and ensure safety. It will cover OSHA's hot work standards, including the general requirements for fire prevention and protection during welding, cutting, and brazing operations. The session will also delve into best practices for managing hot work activities, identifying hazards, and implementing control measures to mitigate risks. Register Now! Register Now! WEBINAR April 17, 2025 Taxation of Benefits As employers offer a variety of different benefits to employees and their family members, there is often confusion about how to correctly handle taxation. This includes both the question of whether the premiums should be paid pre-tax or after-tax as well as whether the benefit received under the plan is tax-free or not. This webinar will go over some of the most common benefit types and address the associated tax rules, which may vary depending upon which benefits and individuals involved. Learn More! Learn More! WEBINAR May 22, 2025 Affordability for Medical Coverage Whether an employer offers affordable medical coverage impacts eligibility for premium tax credits toward individual Marketplace coverage. In addition, applicable large employers must offer affordable medical coverage if they want to avoid employer shared responsibility rules under §4980H. Therefore, it is important for employers to understand and communicate whether coverage offered under an employer-sponsored group health plan is “affordable.” We’ll dive into the details of how to calculate a medical plan’s affordability for employees and their family members to help employers when setting plan contribution rates. In addition, for applicable large employers, we’ll address how to use the affordability safe harbors and how to report offers of coverage to avoid §4980H(b) penalties. Learn More! Learn More! View All Events Connect with a C&B Representative Today!

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WEBINAR WEBINAR The Trump Administration’s First 100 Days Thursday, February 27th | 1:00 PM Register Now! Each person who plans to attend the webinar should complete this registration form. As President Trump settles back into DC, his Administration looks to partner with Congress to move an ambitious agenda forward. Please join Sun Life US’ VP of Government Relations, James Slotnick, as he discusses how the first 100 days are playing out and what the Administration will prioritize. February 27, 2025 1:00 PM VIRTUAL What You'll Learn How tax reform could impact businesses, including how “no tax on tips” and “no tax on overtime” fit in the broader conversation The likelihood of federal Paid Family Leave legislation and the next states likely to adopt statutory programs Where the PBM and drug pricing reform discussions go next Why we could see state activity limiting dental insurance plan options And more! Brought to you by Sun Life Financial Upcoming Events WEBINAR February 27, 2025 The Trump Administration’s First 100 Days As President Trump settles back into DC, his Administration looks to partner with Congress to move an ambitious agenda forward. Please join Sun Life US’ VP of Government Relations, James Slotnick, as he discusses how the first 100 days are playing out and what the Administration will prioritize. Learn More! Learn More! WEBINAR March 19, 2025 Motor Carrier Safety 101 Series | Essential Knowledge for Hauling Hazardous Materials Being the subject of a roadside inspection or FMCSA investigation can be overwhelming, especially if your business involves hauling hazardous materials. In the calendar year 2024, 154,497 Hazardous Material Roadside Inspections were conducted throughout the United States and U.S. territories, resulting in 31,119 violations and 8,492 out-of-service violations (Source FMCSA Motor Carrier Information System) MCMIS). Please join us with insight from Neil Hendrick, Hazmat Specialist II with Ohio’s Public Utilities Commission, as we examine how hazardous material roadside inspections are conducted and how to improve hazardous material shipping and transportation safety. We will outline the key regulations associated with common violations that can lead to an investigation, and best practices for preparedness and compliance to ensure the safe and successful transportation of hazardous materials. Learn More! Learn More! IN-PERSON March 11-14, 2025 NATMI Training & Certification According to NATMI, recipients who enrolled in a NATMI training and certification lowered their organization's accident rate by 86%, achieved a lower occupational injury rate by 83%, and controlled costs associated with accident litigation by 100%. The cost of participating in NATMI is minimal compared to the company’s day-to-day operational savings. The Certified Director of Safety (CDS)/Certified Safety Supervisor (CSS) course is designed to help safety personnel attain a greater professional knowledge base that should, in turn, provide greater confidence to improve operations, prevent and control injury and damage, as well as the ability to provide strong representation such as during a court case. Register Now! Register Now! WEBINAR March 20, 2025 Regulatory & Legislative Update As we settle into 2025 with the new administration in place, it's an ideal time to look ahead and anticipate what the rest of the year might bring. By attending this webinar, employers will gain valuable knowledge to stay up-to-date with the ever-evolving compliance landscape. This session will equip you with the information needed to ensure your benefit plans remain compliant and effective throughout the year. Don't miss this opportunity to stay ahead of the curve and prepare for any upcoming changes that may impact your organization. Learn More! Learn More! WEBINAR March 12, 2025 Taking Control: How Fleets are Gaining a Competitive Advantage with a Group Captive Insurance Program Learn about the challenges in the auto liability marketplace, and how it is crippling the trucking industry. Dive into how the best trucking companies are out performing their peers, by leveraging a group captive program. Register Now! Register Now! IN-PERSON May 6, 2025 Better Every Day Regional Seminar Peoria Join us at the Embassy Suites in Peoria, IA to stay updated on today's rapidly evolving employee benefits landscape. As we navigate a new administration, groundbreaking AI developments, and rising healthcare costs, this SHRM/HRCI accredited event delivers essential insights for HR professionals. Beyond the comprehensive learning sessions, you'll enjoy networking opportunities with fellow HR leaders during breaks and a provided lunch, making this a truly valuable day of professional development. Register now to save your spot today – spots are limited! Register Now! Register Now! View All Events Connect with a C&B Representative Today!