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We are excited to extend an invitation to our upcoming Employee Benefits Seminar Tour designed specifically for individuals like you, who are at the forefront of shaping organizational culture and strategy. Cottingham & Butler hosts these exclusive events to provide a free opportunity for HR professionals to network, stay on top of emerging trends, and be a strategic leader in their organization. 2025 COTTINGHAM & BUTLER Better Every Day Seminar Resources RESOURCES AT YOUR FINGERTIPS! What Actually Matters in Benefits Compliance Future-Proofing Your Workforce 5 Key Strategies to Manage Costs “The content and the information is great and I walk away with ideas to bring back to help enhance our benefits packages and compensation.” - COTTINGHAM & BUTLER SEMINAR ATTENDEE Connect with our Employee Benefits Team

Breaking geographical boundaries with strategic positioning, we're committed to delivering exceptional service across major metropolitan hubs and critical remote locations nationwide. Domestic and International Office Locations Cottingham & Butler Locations We believe distance shouldn't be a barrier to exceptional service. That's why we're strategically positioned in the heart of the U.S., allowing us to swiftly reach not only major metropolitan hubs, but also critical remote locations across the country. We're constantly expanding our footprint, ensuring you receive the best-in-class service, no matter where your business takes you. Cottingham & Butler Office Locations Little Rock, AR San Diego, CA Dubuque, IA Davenport, IA Dyersville, IA Des Moines, IA Des Plaines, IL Edina, MN Columbus, OH Pittsburgh, PA Dallas, TX Appleton, WI Madison, WI Your Global Insurance Advantage Assurex Global is an exclusive Partnership of the most prominent independent insurance agents and brokers in the world. With an impressive $46 billion in annual premium volume and a network of over 730 Partner offices, it’s the world’s largest privately held commercial insurance, risk management, and employee benefits brokerage group. $46 Billion Annual Premium Volume 100+ Partner Firms 730+ Partner Offices on Six Continents Largest privately held insurance and benefits brokerage Cottingham & Butler Domestic and International Partner Offices Reach out today, and let's work together to secure your future

We tailor your benefits and engagement programs to not only attract top talent but also ensure their lasting commitment. Our approach goes beyond conventional strategies, focusing on creating an enriched workplace experience that aligns with your organizational goals. Total Rewards and Engagement Empowering Employers in Talent Attraction and Retention CONNECT WITH OUR TEAM Taking care of your employees means taking care of your business. A competitive compensation and benefits package can be a game-changer, elevating employee satisfaction and engagement while also providing a substantial advantage in attracting and retaining top talent. Maximize employee value and satisfaction with a strategic Total Rewards approach In today's dynamic workplace, offering a comprehensive Total Rewards package goes beyond traditional benefits. At Cottingham & Butler, we believe in a holistic approach that encompasses not only competitive pay and insurance coverage but also opportunities for growth, work-life balance, recognition, and employee wellness programs. Our Total Rewards approach ensures employees see the full value your organization provides, leading to increased job satisfaction and improved retention. Connect with our Total Rewards Experts Today > Total Rewards Strategy A one-size-fits-all approach doesn't work. We take the time to understand your unique company culture, employee demographics, and business goals. By aligning these with industry trends and benchmarks, we design a total rewards program that delivers real impact. REQUEST YOUR TOTAL REWARDS ASSESSMENT TODAY Designing an impactful benefits and compensation program hinges on aligning your goals with employee expectations We help to ensure you’re spending your time and resources efficiently, emphasizing benefits that attract and retain high-quality talent, all in support of your organization’s success. Informed Decision-Making Clients get access to our engagement study on employee-preferred non-medical benefits. Enhanced Health Literacy Leverage our digital and concierge tools to help employees realize quality and cost insights in their healthcare decision making. Employee-Centric Insights Conduct employee benefit preference surveys to gain in-depth knowledge of employees' reward priorities. Employee Rewards & Engagement BenefitWave transforms traditional feedback methods. Leveraging cutting-edge technology and drawing on decades of consulting expertise, we help employers better understand employees' benefit preferences to maximize their benefits program. VIEW EMPLOYEE INSIGHTS GAINED WITH BENEFITWAVE Compensation Strategy Compensation Strategy Download The Critical Role of Compensation in the Recruitment Process Guide by Matt Shefchik In today's competitive market, a well-designed compensation strategy is no longer optional, it's essential for attracting top talent and reducing costly turnover. Our in-house compensation consulting team specializes in building equitable and competitive compensation systems, crafting pay philosophies, and designing incentives for executives, staff, and sales teams. We understand the diverse needs of public-sector employers, privately-held companies, and not-for-profit organizations, and help businesses like yours: Attract & retain top talent Create fair and equitable compensation plans Boost employee engagement & morale Improve bottom-line performance Employee Rewards and Engagement Insights 5 Best Practices for Benefits Communication 5 essential benefits communication strategies to improve employee engagement during open enrollment. Learn how to simplify messaging and drive better outcomes. Articles Hidden Savings in Your Benefits Strategy: Tech Credits Explained Struggling to get budget approval for benefits admin tech? Learn how insurance carrier tech credits can cover costs and transform your HR operations. Articles Our Engagement Team Difference: Efficiency, Education, and Value Emily Vorpahl shares how Cottingham & Butler’s Engagement Team delivers efficiency, education, and value by aligning technology, communication, and non-medical expertise to simplify benefits and maximize impact. Articles VIEW MORE Total Rewards Connect with our Total Rewards Team!

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

Offering real-time HR support, a trove of training resources and seamless technology & vendor management, our team is here every step of the way to implement personalized solutions that help lighten your load. Creating HR Harmony We allow HR professionals to invest their energy where it matters most – in achieving business goals and taking care of their people. CONNECT WITH OUR TEAM Is your HR team bogged down by administrative tasks instead of focusing on strategic initiatives? Offering real-time HR support, a trove of training resources and seamless technology & vendor management, our team is here every step of the way to implement personalized solutions that help lighten your load. Our Approach Day-to-Day Support Streamline your HR operations with our Day-to-Day Support services. We handle the administrative details, allowing your team to focus on strategic initiatives. Technology & Vendor Management Maximize the potential of your HR technology with our specialized services in Technology & Vendor Management. From system integration to vendor relationship optimization, we ensure your tools are seamlessly aligned, empowering your organization with cutting-edge solutions for enhanced efficiency. Employee Communications & Support Promote a harmonious workplace through our Employee Communications & Support services. We excel in crafting effective communication strategies and providing personalized support to your employees, fostering engagement and satisfaction across your organization. Leverage our expertise to navigate technology complexities seamlessly. Support with insurance & vendor selection Management of carrier & vendor relationships Benefit administration system support New system implementation & file feeds Access to benefit document repository Access to technology credit program REQUEST A TECHNOLOGY DEMO NOW! Transparent and clear communication regarding employee benefits is crucial. Our creative and proactive approach to communication consistently boosts employee satisfaction, engagement, and overall retention, resulting in a more satisfied workforce and improved value for your organization. Partner with our in-house communications specialists to ensure your employees have a clear understanding of their benefits and empower them to make more informed decisions. COMPLETION RATE & SEE HOW ONE CLIENT ACHIEVED ENROLLMENT VIEW CASE STUDY Text enrollment offers your employees a quick and user-friendly way to complete their benefits enrollment anytime, anywhere right from their phone. SCHEDULE A DEMO TODAY! HR Efficiency Insights 5 Best Practices for Benefits Communication 5 essential benefits communication strategies to improve employee engagement during open enrollment. Learn how to simplify messaging and drive better outcomes. Articles Minnesota PFML Is Coming in 2026: What HR Teams Need to Know Now Minnesota Paid Family Medical Leave (MN PFML) is a game-changer for employee benefits and workplace culture. With thoughtful planning and proactive communication, HR teams can turn this mandate into an opportunity to support employee well-being and strengthen organizational trust. Articles New Healthcare Strategy Delivers $540,000 Savings for Multi-Site Senior Care Provider When traditional healthcare benefits threatened both employee access and company financials, a strategic pivot to ICHRA revolutionized... Case Studies VIEW MORE HR Efficiency Connect with our HR Efficiency Experts Today!

Discover IRIS, Cottingham & Butler's exclusive transportation management portal. Streamline fleet operations, access real-time data, and simplify insurance and compliance with one intuitive platform. IRIS – Your Fleet Management Resource IRIS is available exclusively to Cottingham & Butler transportation clients, designed to deliver a one-stop solution to easily access and manage the many moving parts of your business. The IRIS Transportation Portal has an intuitive, easy-to-navigate interface that provides at-a-glance access to your driver and vehicle lists, Cottingham & Butler client service team, the ability to make real-time account changes, and much more! Avaliable 24/7 Easily Submit Updates Online Submit Payments Online Claims Reporting Access to Excess Cargo Coverage Manage your entire fleet with one powerful, user-friendly tool. IRIS Portal Advantages Manage your driver and equipment list by making changes easily online Export your current vehicle and driver lists Access the direct contact information of your dedicated C&B support team Access to your safety and compliance platform – Risk Management Center Easily access and manage your certificates of insurance Certs Online Connect to your organization’s claims management system – Ventiv Alerts on Cottingham & Butler news and events Easily submit secure, online payments with an instant receipt of payment Ready to Get Started? Current C&B clients can complete the form below to request a new account and a member of your client service team will send your unique log in details shortly. Transportation Insight & Impact The Rising Threat of Cargo Theft: What Transportation Companies Need to Know Cargo theft costs the trucking industry up to $6.5 billion annually. Learn the latest threats facing transportation companies and how to protect your fleet. Articles $150K+ Savings: How Persistence Pays in Captive Insurance Discover how Mockingbird Transport saved $150K+ annually through captive insurance. A trucking case study on persistence, peer validation, and strategic partnership. Case Studies Strategies for Fighting Driver Fatigue to Stay Alert and Alive Learn how to build an effective Fatigue Risk Management System (FRMS) to protect drivers and improve safety. Free resources and practical tools included. On-Demand VIEW MORE Connect with a Transportation Expert!

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. Reduced Pharmacy Costs by $500,000 in Just 6 Months Case Study With Cottingham & Butler's Innovative Approach Nationwide Coverage Network Expanded to national network, giving employees more provider choices at better rates 71% Reduction in Pharmacy Spend — $500,000 saved in 6 months — dropping monthly costs from $165 to $48 per-member per-month. Strategic Benefits Enhancement Reinvested savings into employee programs without increasing budget Results at a Glance The Challenge The Cottingham & Butler Approach Looking Ahead The Challenge The Challenge Benefit costs spiraling upward year after year Specialty drug claims creating unsustainable cost surge Previous provider's rigid plan design limiting options Growth plans hindered by reactive benefits approach LOCATION Minnesota SIZE ~280 Employees INDUSTRY Commercial Truck Dealership Our Approach The Cottingham & Butler Approach In-Depth Analysis & Strategy Development Utilized our exclusive Pharmacy Toolkit to collect and analyze claims data Pinpointed cost drivers with thorough proprietary Guided Pharmacy Solutions (GPS) process Benchmarked against industry standards to secure competitive edge Strategic Pharmacy Management Developed a tailored strategy, recommending the optimal combination of ControlRX and NaviCareRx programs Aggressive program management cut pharmacy costs by 71%, reducing per-member per-month (PMPM) spend from $165 to $48. Projected YTD annual savings of ~$500,000 Enhanced Clinical Oversight Applied advanced drug management strategy, reducing specialty drug costs while protecting member access Maximized patient assistance programs to lower costs for both employer and members Delivered successful clinical oversight with minimal disruption to member care Network Optimization Maximized carrier relationships to transform regional coverage into nationwide access Expanded access to care for employees, doubling provider options without increasing costs Improved employee satisfaction through broader provider choice and improved coverage for out-of-state care "Our collaboration with Cottingham & Butler has been transformative. Not only did we achieve substantial cost savings—nearly half a million dollars in just six months—but we've also significantly improved our employee benefits package." Rihm Kenworth Contact Could We Do the Same for Your Business? Contact Us! Looking for More Cost Saving Strategies? 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. DOWNLOAD THE GUIDE

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More than 2,500 trucking companies nationwide depend on Cottingham & Butler for their insurance needs. Get a quote today from the #1 commercial truck insurer. Get a quote with the top commercial truck insurer. CONNECT WITH OUR TEAM More than 2,500 trucking companies nationwide depend on Cottingham & Butler for their insurance needs. Get a quote now! >> Why Choose Cottingham & Butler? Dependable Coverage Our policies are customizable, allowing you to choose the coverages that best suit your business. We specialize in trucking, which gives you the peace of mind knowing both you and your trucks are protected on and off the road. Affordable Rates Are you looking for affordable insurance but worried about sacrificing quality and service? We’ll help you compare insurance rates to find you the most affordable premiums and work hard to ensure ‘cheap’ only describes your rates, not the quality of service. Quality Service You have loads to manage, so let us handle the insurance. With Cottingham & Butler, you’ll be backed by the trucking industry’s best customer support team. Our clients also receive exclusive access to the latest industry news, valuable safety support and responsive, friendly and experienced service representatives. Trucking Expertise We know trucking. Having been in business since 1987, we now serve over 2500 trucking companies of every size and from coast to coast. You can rest assured that we have the experience, reliability and strength to navigate today’s challenging commercial insurance market. Trucking Get a Quote Contact Contact our Trucking Experts Today!

Since 1887, our promise has been simple: Better Every Day. We're dedicated to providing our clients with superior advice, service, and innovative ideas, surpassing our competitors consistently. This approach has produced superior results and a growth track record that has propelled us to the 3rd largest privately and independently held brokerage in the country. Your Trusted Insurance Partner Since 1887, our promise has been simple: Better Every Day. WATCH OUR STORY It's not just a slogan, it's a relentless drive to push boundaries, ignite innovation, and deliver superior results for our clients. We're not content with the status quo. We challenge conventional thinking, embrace fresh ideas, and constantly refine how we serve you. This unwavering commitment has fueled exceptional growth, propelling us to become the 3rd largest privately held brokerage in the country. 3rd largest privately and independently held insurance broker 135+ years of service 1887 established At Cottingham & Butler, our mission is simple, yet sincere... To partner with our clients, to protect their most valuable assets, and to build an exceptional company of passionate insurance professionals. Delivering Excellence, Building Trust Our core values form the bedrock of our culture, defining how we do business. Integrity It's the cornerstone of every action we take. Transparency We always tell the truth and keep our commitments. Respect We imbue every interaction with dignity and respect. Client-Centric Focus We understand and serve our clients' long-term best interests as if they were our own. Our Visionary Leaders Andrew Butler, Executive Chairperson Andrew leads Cottingham & Butler with a strategic vision, driving prosperity, growth, and cultivating employee development. His commitment to delivering exceptional services to our clients and establishing respected industry partnerships underscores our constant pursuit of excellence. Read Full Bio > David Becker, CEO As CEO, David uses his extensive experience in business strategy and growth to lead the overall operations of Cottingham & Butler and its subsidiaries. His leadership ensures that our clients consistently receive superior service and innovative solutions, embodying our dedication to excellence. Read Full Bio > John E. Butler, Chairperson In his role as Chairperson, John focuses on propelling our company's robust growth and advancing the development of our industry. His visionary initiatives shape our strategic direction, emphasizing innovation and reinforcing our position as industry leaders. Read Full Bio > Reaching You, Wherever You Are Strategically positioned across the U.S. with a team of over 1,300 professionals, we take pride in guaranteeing accessibility to every client. Our ongoing efforts to extend our reach emphasizes our commitment to providing best-in-class service. CB History Video Our History From a humble single storefront nestled on the banks of the Mississippi in 1887 to a national powerhouse, Cottingham & Butler's story is one of family, resilience, and unwavering dedication to client service. Through generations, we've grown alongside our clients, adapting to challenges, and pioneering new solutions. MAKE HISTORY WITH US. About Page Contact Us Reach out today, and let's work together to secure your future