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. MULTI-DATE EVENT Better Every Day Seminar Tour April - August, 2026 Dallas, TX | Pewaukee, WI | Minneapolis, MN | Des Moines, IA Oak Brook, IL | Coralville, IA | Green Bay, WI Pick Your Date! Last year over 600 HR, finance, and executive leaders attended our seminars to address the most pressing workplace challenges. This year's seminars will deliver the leadership strategies and benefit insights you need for 2026. The day will start with a powerful keynote from our partners at BecomeMore Group on Authentic Leadership, followed by three Power Talks on employees basic finance as a valuable benefit, addressing misaligned incentives in healthcare costs, and exploring weight loss and wellbeing strategies. We'll wrap up the seminar with a session on personal productivity and why being busy doesn't always mean getting things done. Throughout the day, you'll network with industry peers, enjoy breakfast and lunch, and earn valuable HRCI and SHRM recertification credits. Register today to secure your spot at our exclusive seminar where industry experts will share proven strategies for the critical challenges you're facing. “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 Seminar Tour Coming to a City Near You! Interested in Sponsoring a Seminar? Our events offer unmatched networking opportunities and exposure to the latest trends in employee benefits. These signature events feature keynote speakers, hot benefit topics, and exclusive networking opportunities. We experienced over 600+ attendees at our events last year. Sponsor an event to attend and elevate your brand visibility in the benefits space. SPONSORSHIP OPPORTUNITIES

Explore all of Cottingham & Butler's upcoming events. Wednesday, May 3 | 12 PM CT Hyatt Regency Coralville Hotel & Conference Center 300 East 9th St., Coralville, IA 52241 FREE SEMINAR Knowledge is Power Employers continue to face the everyday challenge of offering attractive employee benefits & compensation packages that are truly valued by employees, combined with the financial and administrative burden that comes with doing so. Knowledge is power. MAY 3, 2023 12 PM CORALVILLE, IA Key Takeaways / Agenda 12:30 PM – 1:00 PM | Welcome and Registration 1:00 PM- 2:00 PM | The Power of Purpose – A Case Study From One of the Best Places to Work Presented by John McHugh, Director of Corporate Communications, Kwik Trip With a turnover rate 6x lower than their industry average, there is no doubt the folks at Kwik Star have developed a recipe for success when it comes to employee engagement. To share some of the secrets behind their success, we have invited John McHugh, director of corporate communication s, leadership development and training at Kwik Star to present on the Power of Purpose in the workplace and the profound effect it has had for their 34,000+ employees in over 800 stores. 2:00 PM – 3:00 PM | The Critical Role of Compensation in the Recruitment Process Presented by Matt Shefchik, Assistant Vice President, Carlson Dettmann Consulting When discussing compensation with candidates its more than just the final dollar amount offered, but being able to best position their total rewards being offered to attract that top talent. Today’s employees value pay transparency and pay equity within the recruitment process. In this hour, participants will learn the importance of pay transparency, how to align pay expectations with the candidates, and how to balance the candidates experience with internal equity. 3:00 PM – 4:00 PM | Follow the Leaders: What High Performing Employers Are Doing to Curb Costs & Boost Employee Value Presented by Taylor Orton, Vice President, Benefits – Cottingham & Butler In an old social science theory known as the “Diffusion of Innovation Theory”, there are five types of adopters in the world of innovation, including: Innovators, Early Adopters, Early Majority, Late Majority, and Laggards. While there are the five categories, the distribution in each is not equivalent, as only about 16% of organizations are truly considered Innovators (2.5%) or Early Adopters (13.5%). This 16% is often known as the market leader in their respective field, as most competitors often lag behind adoption and copy ideas well after they are proven a success. While it is understandable that not every organization has the risk tolerance levels required to be a true innovator, finding ways to expedite that knowledge transfer is imperative for the remaining 84% of employers to have any competitive advantage in the market. In this session, participants will learn about the leading edge strategies being used by innovative employers to have a competitive edge in the Great Resignation. 4:00 PM – 5:00 PM | Optional Hors D’oeuvres and Happy Hour Presenters Olivia Walker Editor in Chief Dan Mitchell Assistant Manager Noah Patterson Programming Editor Tess Anderson Art Director Upcoming Events SAFETY TRAINING FMCSA 101: A Practical Introduction to FMCSA Compliance Don't let compliance be complicated. Join us for a one-day training built for new & current safety professionals, fleet managers, operations personnel, and anyone who wants a compliance refresher. Read More WEBINAR COBRA Basics & State Continuation COBRA and state continuation coverage requirements remain a critical compliance area for employers. This webinar will review federal COBRA obligations, including qualifying events, election procedures, notice requirements, and premium administration. We’ll also examine how state continuation laws differ from—and interact with—federal COBRA, helping employers navigate overlapping requirements and reduce compliance risk. Read More WEBINAR Mastering HOS & PC Rules: Split-Sleeper in Action In this session, SMSC Safety Consultant Christopher Caldwell will walk attendees through the 11, 14, and 8-hour Hours of Service (HOS) rules and demonstrate how to properly apply the Sleeper Berth Provision to maximize driver flexibility while staying compliant. Christopher will also clarify Personal Conveyance regulations and what to expect during roadside inspections, equipping you with practical knowledge to avoid violations and keep your fleet on the road. An interactive Q&A session at the end of this session will give attendees the opportunity to ask specific HOS questions and discuss real-world compliance scenarios unique to your operation. Read More WEBINAR End of Year Wrap-Up & Looking Forward to 2027 The compliance landscape for health and welfare benefit plans continued to evolve throughout 2026. As the year winds down, this webinar will recap the most impactful regulatory developments and compliance changes from 2026 and what they mean for employers. We’ll also preview what’s ahead in 2027, including anticipated rules, deadlines, and trends that could shape benefit planning. Read More IN-PERSON International Risk Management Institute Conference Happy Hour Attending the IRMI Construction Risk Conference in Washington, DC? Don't miss your chance to unwind and connect with fellow industry professionals at an exclusive evening hosted by Cottingham & Butler, Guignard and Watt Tieder. Read More PRIVATE DINNER Acres Captive Connections Dinner Join us for an exclusive evening of networking and industry insights at the Acres Pre Captive Connections Dinner. This intimate private dining experience brings together risk management professionals and captive insurance experts at the Citywalk Eatery in Cedar Rapids. Connect with peers, share industry perspectives, and build valuable relationships within the captive insurance community. Read More WEBINAR Mid-Year Election Changes When employees request mid-year benefit changes, the rules aren’t always straightforward. In this session, we’ll examine the interaction between HIPAA special enrollment rights and Section 125 cafeteria plan election change rules, highlighting when changes must be permitted—and when they may be restricted. We’ll also explore key differences between requests to add coverage versus drop coverage mid-plan year, helping employers administer changes consistently and compliantly. Read More WEBINAR 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 INVITATION ONLY CEO Summit CEOs gather here to solve complex challenges alongside peers and industry leaders who've navigated similar ground successfully. This summit delivers what others don't: actionable strategies, peer-validated solutions, and frameworks you can implement immediately. This event is invite only. Read More 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. Our technical expertise and proprietary programs, combined with our commitment to client service is the foundation of the value we bring to our clients every day. Case Study Leveraged best practices and good loss experience to return $80,000 year after year Read More Article HR’s Role in Mergers and Acquisitions Read More Article Coverage Basics: Cyber Insurance Read More

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 is the foundation of the value we bring to our clients every day. PRIVATE DINNER October 5, 2026 Acres Captive Connections Dinner Learn More! Learn More! SAFETY TRAINING October 14, 2026 FMCSA 101: A Practical Introduction to FMCSA Compliance Register Now! Register Now! WEBINAR October 22, 2026 COBRA Basics & State Continuation Register Now! Register Now! IN-PERSON October 25, 2026 International Risk Management Institute Conference Happy Hour Register Now! Register Now! WEBINAR November 17, 2026 Mastering HOS & PC Rules: Split-Sleeper in Action Register Now! Register Now! WEBINAR November 19, 2026 Mid-Year Election Changes Register Now! Register Now! WEBINAR December 16, 2026 OSHA Recordkeeping & ITA Compliance Register Now! Register Now! WEBINAR December 17, 2026 End of Year Wrap-Up & Looking Forward to 2027 Register Now! Register Now! INVITATION ONLY May 11-12, 2027 CEO Summit Learn More! Learn More!

Healthcare costs are one of the largest and fastest-growing business expenses that many feel they have little control over. This webinar series offers a comprehensive exploration of self-funding strategies for employers to provide cost-effective healthcare options. WEBINAR SERIES COMPLETE THE FORM BELOW TO REGISTER FOR ALL UPCOMING SESSIONS Self-Insurance Simplified Explore self-funding strategies for cost-effective healthcare options. Employee benefit costs are up 5.6% from 2022. Healthcare costs are one of the largest and fastest-growing business expenses and one that many feel they have very little control over. This webinar series comprehensively explores self-funding strategies for employers to provide cost-effective healthcare options. Don’t miss out! Explore the sessions below and register today! On-Demand Upcoming ON-DEMAND Self-Insurance Simplified – Why Your Fully Insured Renewal Might Cost You More Long Term WATCH NOW ON-DEMAND Self-Insurance Simplified - Self-Funding 101 WATCH NOW ON-DEMAND Self-Insurance Simplified - Strategies for Reducing Claims Spend WATCH NOW ON-DEMAND Captive Advantage 101 WATCH NOW ON-DEMAND GuideRe Advantage WATCH NOW AUGUST 13th | 10:00 AM - 11:00 AM Steps to Joining Guide Re Interested in joining? For our final webinar we will provide a timeline and high-level overview of the process of being reviewed for the captive and joining. Employee Benefits Insight & Impact MLR Rebates & How to Handle Them Each year, employers sponsoring a fully insured group health plan may receive a medical loss ratio (MLR) rebate from their insurer. Under the ACA's MLR rules, insurers must provide rebates when their spending on clinical services and quality improvement activities, relative to premium revenue, falls below the applicable MLR standard. Employee Benefits DOL Issues New Guidance on Mental Health Parity Rules Enforcement The Mental Health Parity and Addiction Equity Act (MHPAEA) requires group health plans that offer mental health or substance use disorder benefits to provide those benefits on terms that are no restrictive than medical/surgical benefits. That’s the “parity” part of the law. Employee Benefits Annual Non-Discrimination Testing Does your organization need to run nondiscrimination testing on its cafeteria plan every year? In this video, Bret McKitrick, VP of Compliance at Cottingham & Butler, explains why the IRS cares about who benefits from these plans, why testing is the only real way to prove your plan isn't discriminatory, and what risks to weigh if you decide to skip it. Spoiler: it's a "maybe, kinda, yeah, sort of" answer, and Bret walks you through why. Employee Benefits VIEW MORE BenefitWave Connect with a C&B Representative Today!

WEBINAR Mastering HOS & PC Rules: Split-Sleeper in Action Tuesday, November 17th | 1-2 PM CST In this session, SMSC Safety Consultant Christopher Caldwell will walk attendees through the 11, 14, and 8-hour Hours of Service (HOS) rules and demonstrate how to properly apply the Sleeper Berth Provision to maximize driver flexibility while staying compliant. Christopher will also clarify Personal Conveyance regulations and what to expect during roadside inspections, equipping you with practical knowledge to avoid violations and keep your fleet on the road. An interactive Q&A session at the end of this session will give attendees the opportunity to ask specific HOS questions and discuss real-world compliance scenarios unique to your operation. November 17, 2026 1:00 PM VIRTUAL Learning Objectives Review the basic Hours of Service A functional understanding of the Personal Conveyance provision Managing the Sleeper Berth Provision Your Host Christopher Caldwell Safety Consultant, SMSC Upcoming Events SAFETY TRAINING October 14, 2026 FMCSA 101: A Practical Introduction to FMCSA Compliance Don't let compliance be complicated. Join us for a one-day training built for new & current safety professionals, fleet managers, operations personnel, and anyone who wants a compliance refresher. Read More Register Now WEBINAR October 22, 2026 COBRA Basics & State Continuation COBRA and state continuation coverage requirements remain a critical compliance area for employers. This webinar will review federal COBRA obligations, including qualifying events, election procedures, notice requirements, and premium administration. We’ll also examine how state continuation laws differ from—and interact with—federal COBRA, helping employers navigate overlapping requirements and reduce compliance risk. Read More Register Now WEBINAR December 17, 2026 End of Year Wrap-Up & Looking Forward to 2027 The compliance landscape for health and welfare benefit plans continued to evolve throughout 2026. As the year winds down, this webinar will recap the most impactful regulatory developments and compliance changes from 2026 and what they mean for employers. We’ll also preview what’s ahead in 2027, including anticipated rules, deadlines, and trends that could shape benefit planning. Read More Register Now IN-PERSON October 25, 2026 International Risk Management Institute Conference Happy Hour Attending the IRMI Construction Risk Conference in Washington, DC? Don't miss your chance to unwind and connect with fellow industry professionals at an exclusive evening hosted by Cottingham & Butler, Guignard and Watt Tieder. Read More Register Now WEBINAR November 19, 2026 Mid-Year Election Changes When employees request mid-year benefit changes, the rules aren’t always straightforward. In this session, we’ll examine the interaction between HIPAA special enrollment rights and Section 125 cafeteria plan election change rules, highlighting when changes must be permitted—and when they may be restricted. We’ll also explore key differences between requests to add coverage versus drop coverage mid-plan year, helping employers administer changes consistently and compliantly. 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!

WEBINAR OSHA Recordkeeping & ITA Compliance Wednesday, December 16th | 1-2 PM CST 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. December 16, 2026 1:00 PM VIRTUAL Learning Objectives Information Coming Soon! Your Host TJ Greenwood Manager – Safety Management Services Company Upcoming Events SAFETY TRAINING October 14, 2026 FMCSA 101: A Practical Introduction to FMCSA Compliance Don't let compliance be complicated. Join us for a one-day training built for new & current safety professionals, fleet managers, operations personnel, and anyone who wants a compliance refresher. Read More Register Now WEBINAR October 22, 2026 COBRA Basics & State Continuation COBRA and state continuation coverage requirements remain a critical compliance area for employers. This webinar will review federal COBRA obligations, including qualifying events, election procedures, notice requirements, and premium administration. We’ll also examine how state continuation laws differ from—and interact with—federal COBRA, helping employers navigate overlapping requirements and reduce compliance risk. Read More Register Now WEBINAR December 17, 2026 End of Year Wrap-Up & Looking Forward to 2027 The compliance landscape for health and welfare benefit plans continued to evolve throughout 2026. As the year winds down, this webinar will recap the most impactful regulatory developments and compliance changes from 2026 and what they mean for employers. We’ll also preview what’s ahead in 2027, including anticipated rules, deadlines, and trends that could shape benefit planning. Read More Register Now IN-PERSON October 25, 2026 International Risk Management Institute Conference Happy Hour Attending the IRMI Construction Risk Conference in Washington, DC? Don't miss your chance to unwind and connect with fellow industry professionals at an exclusive evening hosted by Cottingham & Butler, Guignard and Watt Tieder. Read More Register Now WEBINAR November 19, 2026 Mid-Year Election Changes When employees request mid-year benefit changes, the rules aren’t always straightforward. In this session, we’ll examine the interaction between HIPAA special enrollment rights and Section 125 cafeteria plan election change rules, highlighting when changes must be permitted—and when they may be restricted. We’ll also explore key differences between requests to add coverage versus drop coverage mid-plan year, helping employers administer changes consistently and compliantly. 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!

PRIVATE DINNER Acres Captive Connections Dinner October 5th | 6-9 PM Citywalk Eatery 102 2nd St. SE, Cedar Rapids, Iowa 52401 Join us for an exclusive evening of networking and industry insights at the Acres Pre Captive Connections Dinner. This intimate private dining experience brings together risk management professionals and captive insurance experts at the Citywalk Eatery in Cedar Rapids. Connect with peers, share industry perspectives, and build valuable relationships within the captive insurance community. October 5, 2026 6:00 PM Cedar Rapids, IA Travel Details Citywalk Eatery 102 2nd St. SE, Cedar Rapids, Iowa 52401 From the DoubleTree by Hilton Hotel 0.1-mile 2 min walk Hosted by Upcoming Events SAFETY TRAINING October 14, 2026 FMCSA 101: A Practical Introduction to FMCSA Compliance Don't let compliance be complicated. Join us for a one-day training built for new & current safety professionals, fleet managers, operations personnel, and anyone who wants a compliance refresher. Read More Register Now WEBINAR October 22, 2026 COBRA Basics & State Continuation COBRA and state continuation coverage requirements remain a critical compliance area for employers. This webinar will review federal COBRA obligations, including qualifying events, election procedures, notice requirements, and premium administration. We’ll also examine how state continuation laws differ from—and interact with—federal COBRA, helping employers navigate overlapping requirements and reduce compliance risk. Read More Register Now WEBINAR December 17, 2026 End of Year Wrap-Up & Looking Forward to 2027 The compliance landscape for health and welfare benefit plans continued to evolve throughout 2026. As the year winds down, this webinar will recap the most impactful regulatory developments and compliance changes from 2026 and what they mean for employers. We’ll also preview what’s ahead in 2027, including anticipated rules, deadlines, and trends that could shape benefit planning. Read More Register Now IN-PERSON October 25, 2026 International Risk Management Institute Conference Happy Hour Attending the IRMI Construction Risk Conference in Washington, DC? Don't miss your chance to unwind and connect with fellow industry professionals at an exclusive evening hosted by Cottingham & Butler, Guignard and Watt Tieder. Read More Register Now WEBINAR November 19, 2026 Mid-Year Election Changes When employees request mid-year benefit changes, the rules aren’t always straightforward. In this session, we’ll examine the interaction between HIPAA special enrollment rights and Section 125 cafeteria plan election change rules, highlighting when changes must be permitted—and when they may be restricted. We’ll also explore key differences between requests to add coverage versus drop coverage mid-plan year, helping employers administer changes consistently and compliantly. 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 International Risk Management Institute Conference Happy Hour Sunday, October 25, 2026 McCormick & Schimick's 145 National Plaza, Oxon Hill, MD 20745 Attending the IRMI Construction Risk Conference in Washington, DC? Don't miss your chance to unwind and connect with fellow industry professionals at an exclusive evening hosted by Cottingham & Butler, Guignard and Watt Tieder. October 25, 2026 5:00-7:00 PM McCormick & Schimick's A Casual Networking Event Featuring Complimentary drinks and hors d'oeuvres Great conversations with peers and colleagues Harbor views + complimentary a ferris wheel ticket Space is limited, please RSVP by October 19th , to reserve your spot. This event is open to IRMI attendees and industry professionals. Sponsored By Upcoming Events SAFETY TRAINING October 14, 2026 FMCSA 101: A Practical Introduction to FMCSA Compliance Don't let compliance be complicated. Join us for a one-day training built for new & current safety professionals, fleet managers, operations personnel, and anyone who wants a compliance refresher. Read More Register Now WEBINAR October 22, 2026 COBRA Basics & State Continuation COBRA and state continuation coverage requirements remain a critical compliance area for employers. This webinar will review federal COBRA obligations, including qualifying events, election procedures, notice requirements, and premium administration. We’ll also examine how state continuation laws differ from—and interact with—federal COBRA, helping employers navigate overlapping requirements and reduce compliance risk. Read More Register Now WEBINAR December 17, 2026 End of Year Wrap-Up & Looking Forward to 2027 The compliance landscape for health and welfare benefit plans continued to evolve throughout 2026. As the year winds down, this webinar will recap the most impactful regulatory developments and compliance changes from 2026 and what they mean for employers. We’ll also preview what’s ahead in 2027, including anticipated rules, deadlines, and trends that could shape benefit planning. Read More Register Now IN-PERSON October 25, 2026 International Risk Management Institute Conference Happy Hour Attending the IRMI Construction Risk Conference in Washington, DC? Don't miss your chance to unwind and connect with fellow industry professionals at an exclusive evening hosted by Cottingham & Butler, Guignard and Watt Tieder. Read More Register Now WEBINAR November 19, 2026 Mid-Year Election Changes When employees request mid-year benefit changes, the rules aren’t always straightforward. In this session, we’ll examine the interaction between HIPAA special enrollment rights and Section 125 cafeteria plan election change rules, highlighting when changes must be permitted—and when they may be restricted. We’ll also explore key differences between requests to add coverage versus drop coverage mid-plan year, helping employers administer changes consistently and compliantly. 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!

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 Misaligned Financial Incentives Healthcare costs continue to climb, but the root causes are often misunderstood. This video explains how key players in the system - from insurers to drug manufacturers- are financially incentivized by higher spend, not better outcomes. On-Demand 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 VIEW MORE Cost Management Connect with our Cost-Saving Experts Today!

Whether you're an owner-operator or manage a national fleet, safeguarding your drivers, trucks, and cargo is critical for success. Transportation Industry Our team’s in-depth understanding of the transportation industry ensures personalized risk management and insurance solutions that deliver tangible results for our clients. SEE HOW OUR EXPERTISE CAN SAFEGUARD YOUR FLEET The most effective and thoughtful insurance broker in the country. Whether you're an owner-operator or manage a national fleet, safeguarding your drivers, trucks, and cargo is critical for success. Entrust your insurance needs to a broker who knows trucking inside and out and is dedicated to delivering exceptional client service. Ready to take your trucking operation to the next level? Join us at the 2026 Transportation Summit! August 26-27, 2026 / Schuamburg, IL SAVE YOUR SEAT TODAY! Cottingham & Butler Knows Trucking Introducing Tailored Coverage Solutions designed specifically for the unique needs of trucking operations. Auto Liability Non-Trucking Liability Cargo Physical Damage General Liability Workers’ Compensation Umbrella Excess Alternative Risk Independent Contractor Cyber Employee Benefits Connect with our team of transportation experts today! Fleet Safety Early data for 2024 indicates a troubling trend: large truck crash fatalities are on the rise. This translates not only to human tragedy but is also costing our industry billions each year. But even minor accidents can significantly disrupt your operations and erode profitability. Cottingham & Butler's in-house safety team is here to help you navigate these challenges. Safety program analysis & benchmarking Driver Risk Evaluation Loss Analysis & Risk Improvement Plans Driver & Management Training Tools Safety Culture Consulting Expert Mock Simulations KEEP YOUR SAFETY PROGRAM PROACTIVE! Claims Advocacy & Management Did you know the average cost of a large truck liability claim in the US is $179,000? With poorly managed claims posing significant financial risks, trust Cottingham & Butler's in-house claims team to be your advocate. Leveraging our deep understanding of the trucking industry, we're committed to delivering superior claims results. Serving guaranteed cost, large deductible, captive insurance, and self-insured clients In-house claims advocacy team Dedicated adjuster model Industry-leading claims technology and reporting In-house Nurse Case Management Sensible reserves based on claim assessment, not worst-case scenarios or historical averages LEARN MORE Captives & Alternative Risk For over 30 years, Cottingham & Butler has been a leader in the trucking industry, pioneering the use of captive insurance programs. We currently manage some of the world's largest group trucking captives, empowering industry leaders like yourself to unlock the true potential of your insurance spend. 8 Member-owned group trucking captives Over $330 Million in dividends returned to clients 99% Captive Member Retention Dedicated loss control and claims management LEARN MORE Independent Contractor Insurance Solutions We get the unique insurance needs of independent contractors and the trucking companies they are leased to. You can count on us as your partner for business growth, providing flexible insurance solutions to minimize risk and lower costs. Proprietary Risk Scorecard and Assessment Comprehensive Protection – Occupational Accident, Physical Damage, Non-Trucking Liability Independent Driver Solutions Drive & Tow Away Program LEARN MORE Small Fleets Owner-operators and small fleets face the same regulatory and insurance scrutiny as large carriers, often without the resources to navigate it. Our inside sales team was built specifically for 1–10 unit operations, helping you get properly covered, fast and without the friction. Fast Certificate Turnaround Cargo & Liability Exposure Review Coverage Gap Analysis New Venture & Growing Fleet Support LEARN MORE Benefits Solutions Through proven cost control strategies, new clients typically unlock 15-25% savings compared to their prior benefit strategy, often while enhancing their benefits package. With a deep understanding of the transportation sector, our expert consultants offer innovative and flexible benefit plans designed to increase employee satisfaction, attract top talent, and improve retention rates. Transportation-Specific Plan Design & Strategies Integrated Claims and Benefits Administration Compliance & HR Consulting Wellness Solutions Program Analysis and Benchmarking LEARN MORE Leading the way in trucking insurance for over 30 years. 300+ Dedicated Transportation Professionals 2,300+ Trucking Clients Across the U.S. $1B Transportation Premium Placed An industry in constant motion, demands high performance and flawless execution. See how our clients are running safer fleets, lowering claims and becoming more profitable. VIEW CASE STUDIES TO SEE OUR CLIENT IMPACT Transportation Insight & Impact The 2026 Transportation Summit Recap t. Whether you missed the Summit altogether, missed a session or two, or attended and want a closer look at what matters most, this recap highlights the key takeaways from each session and the biggest themes for carriers heading into 2027. Transportation Where Rates Stand in Q2 2026 The turn that started in Q1 is broadening. Q2 posted a second straight quarterly decline, property is leading the drop, and auto and umbrella are still climbing. Here is what moved, why, and how to think about it. Property & Casualty Contingent Business Interruption Insurance Just one brief business interruption can be incredibly costly for an organization, often leading to serious reputational damages or long-term closures. Standard business interruption policies are vital in these instances, providing protection against a variety of common interruptions, including natural disasters, equipment damage and vandalism. Articles VIEW MORE Contact Us Connect with a Transportation Expert!

WEBINAR End of Year Wrap-Up & Looking Forward to 2027 December 17, 2026 | 2PM CST Register Now! Each person who plans to attend the webinar should complete this registration form. The compliance landscape for health and welfare benefit plans continued to evolve throughout 2026. As the year winds down, this webinar will recap the most impactful regulatory developments and compliance changes from 2026 and what they mean for employers. We’ll also preview what’s ahead in 2027, including anticipated rules, deadlines, and trends that could shape benefit planning. December 17, 2026 2:00 PM CST VIRTUAL Learning Objectives By the end of this webinar, participants will be able to: Summarize the most significant regulatory and compliance developments affecting health and welfare benefit plans in 2026 Assess how 2026's compliance changes impact open enrollment and renewal planning for employers Anticipate key 2027 rules, deadlines, and trends to incorporate into forward-looking benefit strategy Brought to you by our partners at Assurex Global Delaney George, J.D. Senior Compliance Consultant Bob Radecki VP Business Development Upcoming Events SAFETY TRAINING October 14, 2026 FMCSA 101: A Practical Introduction to FMCSA Compliance Don't let compliance be complicated. Join us for a one-day training built for new & current safety professionals, fleet managers, operations personnel, and anyone who wants a compliance refresher. Read More Register Now WEBINAR October 22, 2026 COBRA Basics & State Continuation COBRA and state continuation coverage requirements remain a critical compliance area for employers. This webinar will review federal COBRA obligations, including qualifying events, election procedures, notice requirements, and premium administration. We’ll also examine how state continuation laws differ from—and interact with—federal COBRA, helping employers navigate overlapping requirements and reduce compliance risk. Read More Register Now WEBINAR December 17, 2026 End of Year Wrap-Up & Looking Forward to 2027 The compliance landscape for health and welfare benefit plans continued to evolve throughout 2026. As the year winds down, this webinar will recap the most impactful regulatory developments and compliance changes from 2026 and what they mean for employers. We’ll also preview what’s ahead in 2027, including anticipated rules, deadlines, and trends that could shape benefit planning. Read More Register Now IN-PERSON October 25, 2026 International Risk Management Institute Conference Happy Hour Attending the IRMI Construction Risk Conference in Washington, DC? Don't miss your chance to unwind and connect with fellow industry professionals at an exclusive evening hosted by Cottingham & Butler, Guignard and Watt Tieder. Read More Register Now WEBINAR November 19, 2026 Mid-Year Election Changes When employees request mid-year benefit changes, the rules aren’t always straightforward. In this session, we’ll examine the interaction between HIPAA special enrollment rights and Section 125 cafeteria plan election change rules, highlighting when changes must be permitted—and when they may be restricted. We’ll also explore key differences between requests to add coverage versus drop coverage mid-plan year, helping employers administer changes consistently and compliantly. 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!