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

Manufacturing Leveraged best practices and good loss experience to return $80,000 year after year Up Published on Written by: Page View A best-in-class processing equipment manufacturer had been seeing a decrease in their loss experience, yet they were not seeing a decrease in how much they were paying for insurance. They were curious to learn if there was a way to incentivize their increased focus on safety and best practices. Their current program was "off the shelf" and was not designed to meet their specific needs. After engaging with Cottingham & Butler's Risk Management Assessment (RMA) , they quickly learned that there was not only a better way to buy insurance, but that there were significant coverage deficiencies in their program. The company recognized the value of a customized loss-sensitive program, as well as having a broker partner who would advocate on their behalf for claims. Program Design Delivered a loss-sensitive program option, Horizon, that would allow the company to receive up to 50% of their premium back for good loss years. Identified 3 carriers that had never seen the account before, and had an interest in the business. Coverage Identified 20 coverage deficiencies in their existing program. Significant deficiencies include: Multiple sub-limits were inadequate compared to their operations. The policy was designed for Architect and Engineering Professionals, NOT for Manufacturers. Multiple exclusions related to the core business operations of the company were present. No flood/earthquake coverage in a high-risk area. Contractual Risk Transfer Highlighted areas of concern and how their current risk transfer methods were inadequate for their industry and line of work. Cottingham & Butler put together recommendations and corrected critical mistakes in policy language Stability After joining Horizon, the company experienced a large loss in its first year of implementation. Even after the loss, their spend was similar. By paying in guaranteed cost, they avoided the increases they would have seen in the standard market. Since then, the company has received $80,000+ each year for their good loss experience. Claims Advocacy While the company had great loss experience, they had not previously received any claims reviews or advocacy services. After being made aware of the impacts of delayed reporting, their claims reporting processes were improved and consistent claim reviews were scheduled with the team. April 25, 2023 Cottingham & Butler View All Posts TAGS: Article Case Study Employee Benefits Manufacturing Property & Casualty Claims Management Coverage Basics Cyber Loss Control & Prevention Mergers & Acquisitions Upcoming Events WEBINAR September 1, 2026 Emerging Risks Facing the Ready Mix Industry Insurance is one of the largest expenses for the ready mix industry, and the pressure is not easing. Liability costs keep climbing, large claims tied to concrete performance often fall outside a general liability policy, and nuclear verdicts fueled by third party litigation funding are pushing settlements past what most operators have budgeted for. Join Cottingham & Butler for a look at the exposures reshaping the ready mix industry, where the marketplace is heading, and the specific coverage and risk control moves producers are making to protect their bottom line. Built for owners, CEOs, CFOs, and risk leaders who want a clear read on where their exposure sits and what to do about it. Learn More! Learn More! 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. Register Now! Register Now! IN-PERSON September 15-18, 2026 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. View All Events Connect with a C&B Representative Today!

A leading provider of risk management and employee benefits insurance & consulting services for domestic and international markets. Better Every Day That is our promise to our clients, company, and people. It’s a commitment to challenging conventional wisdom, innovating, and improving how we serve our clients and grow as industry professionals. 3rd largest privately and independently held insurance broker in the U.S. At Cottingham & Butler, we sell a promise – to show up and deliver for our clients during life’s toughest moments. Every day, we pair brilliant ideas with strategy, empathy and hard work that produces results that are the rival of the industry. SEE HOW WE HELPED BUSINESSES LIKE YOURS Trusted Insurance Advisors Cottingham & Butler is a privately-held, national insurance broker, and a leading provider of risk management and employee benefits insurance & consulting services. Property & Casualty Employee Benefits Solutions Captives & Programs Safety Management Services Claims Management Featured Insights Cottingham & Butler Strengthens Property & Casualty Leadership At Cottingham & Butler, our growth has always come from the same place — deep expertise, genuine care for our clients, and a team that knows this business inside and out. Today, we're excited to share several leadership appointments across our Property & Casualty business that build on our strong foundation. News A 40-Year Partnership Built on Strategy: Bay Family of Companies and Cottingham & Butler Case Studies Safety Training That Sticks: Learning Principles in Action On-Demand 2026 Open Enrollment Checklist | At a Glance Articles VIEW ALL INDUSTRY NEWS & EVENTS “The relationship that we have, and have always had, with Cottingham & Butler is trust. We listen to them, and they haven’t steered us wrong yet. Without Cottingham & Butler, it’d be hard for us to be where we are today.” David Freymiller | CEO, Freymiller People Who Make A Difference What makes Cottingham & Butler so special? It’s simple – our people. Our team is made up of extraordinarily talented individuals who consistently prioritize the success of our clients and their teammates, working to achieve the very best in everything they do. EXPLORE 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 WEBINAR Emerging Risks Facing the Ready Mix Industry Insurance is one of the largest expenses for the ready mix industry, and the pressure is not easing. Liability costs keep climbing, large claims tied to concrete performance often fall outside a general liability policy, and nuclear verdicts fueled by third party litigation funding are pushing settlements past what most operators have budgeted for. Join Cottingham & Butler for a look at the exposures reshaping the ready mix industry, where the marketplace is heading, and the specific coverage and risk control moves producers are making to protect their bottom line. Built for owners, CEOs, CFOs, and risk leaders who want a clear read on where their exposure sits and what to do about it. Read More WEBINAR SERIES Open Enrollment – Renewal Checklist Open enrollment season comes with a long to-do list — this webinar helps you work through it with confidence. We'll walk through key tasks from plan review and employee communications to system updates and post-enrollment audits, plus a regulatory and legislative update on recent changes that may impact your 2027 offerings and year-end compliance items to help you close out the year strong. Read More WEBINAR FMCSA HOS Exceptions & Operational Flexibility In an ideal world, how much easier would fleet management be? Drivers' loads would align seamlessly with available driving hours, parking availability would consistently match HOS limitations, and drivers would arrive back home every Friday night like clockwork. However, the realities of modern trucking operations present constant challenges that require comprehensive knowledge of Hours of Service (HOS) regulations and exceptions. Join Joshua Anderson in this webinar as we examine strategies for carriers and drivers to navigate regulatory compliance effectively within the complexities of real-world operations. 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 IN-PERSON 2026 Transportation Summit The Cottingham & Butler Transportation Summit brings together over 550 trucking executives for two days of high-impact networking and insights designed to drive your business forward. Join us August 26-27, 2026 in Schaumburg, IL to discover cutting-edge strategies, connect with industry leaders, and gain proven frameworks that will help you go ALL IN and drive measurable growth. Read More WEBINAR The Impact of Drugs & Alcohol in Trucking Substance abuse in the trucking industry poses serious risks—not only to drivers, but to public safety, company reputation, and regulatory compliance. This webinar explores the far-reaching impact of drugs and alcohol on commercial driving performance. SMSC Senior Safety Consultant Anne-Marie Naples will help participants gain a clear understanding of DOT regulations and testing protocols. Read More IN-PERSON 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. 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 WEBINAR Securing the Scene: Best Practices After a Collision 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. 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. WEBINAR July 14, 2026 FMCSA HOS Exceptions & Operational Flexibility Register Now! Register Now! IN-PERSON August 26-27, 2026 2026 Transportation Summit Register Now! Register Now! WEBINAR September 1, 2026 Emerging Risks Facing the Ready Mix Industry Learn More! Learn More! WEBINAR September 15, 2026 Securing the Scene: Best Practices After a Collision Register Now! Register Now! IN-PERSON September 15-18, 2026 NATMI Training & Certification WEBINAR SERIES September 24, 2026 Open Enrollment – Renewal Checklist Register Now! Register Now! WEBINAR October 22, 2026 The Impact of Drugs & Alcohol in Trucking Register Now! Register Now! IN-PERSON October 25, 2026 International Risk Management Institute Conference Happy Hour Register Now! Register Now! WEBINAR December 16, 2026 OSHA Recordkeeping & ITA Compliance Register Now! Register Now!

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

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 A 40-Year Partnership Built on Strategy: Bay Family of Companies and Cottingham & Butler Karen Young shares how a decades-long partnership with Cottingham & Butler has shaped the way Bay approaches risk and benefits. Case Studies 2026 Open Enrollment Checklist | At a Glance A quick-reference summary of key compliance changes employers should confirm before the 2026 plan year — inflation-adjusted limits, plan design updates, and required participant notices. Articles Affordability of Benefits & Impact to Compensation Benefit costs are rising two to three times faster than inflation, and that's starting to throw off the balance between pay and benefits. On-Demand VIEW MORE BenefitWave Connect with a C&B Representative Today!

WEBINAR Emerging Risks Facing the Ready Mix Industry Tuesday, September 1st | 11:00AM-12:00PM Insurance is one of the largest expenses for the ready mix industry, and the pressure is not easing. Liability costs keep climbing, large claims tied to concrete performance often fall outside a general liability policy, and nuclear verdicts fueled by third party litigation funding are pushing settlements past what most operators have budgeted for. Join Cottingham & Butler for a look at the exposures reshaping the ready mix industry, where the marketplace is heading, and the specific coverage and risk control moves producers are making to protect their bottom line. Built for owners, CEOs, CFOs, and risk leaders who want a clear read on where their exposure sits and what to do about it. September 1, 2026 11:00 AM VIRTUAL Learning Objectives Understand the drivers behind rising liability costs and what current market conditions signal for future renewals Identify where product liability exposure for concrete falls outside a standard general liability policy, and what coverage options exist to fill the gap Recognize how nuclear verdicts and third-party litigation funding are changing claim severity, and which states are enacting reforms Evaluate practical risk mitigation strategies you can put in place to reduce exposure before a claim occurs Your Host Jace Glenn Risk Management Consultant | Cottingham & Butler Upcoming Events WEBINAR September 1, 2026 Emerging Risks Facing the Ready Mix Industry Insurance is one of the largest expenses for the ready mix industry, and the pressure is not easing. Liability costs keep climbing, large claims tied to concrete performance often fall outside a general liability policy, and nuclear verdicts fueled by third party litigation funding are pushing settlements past what most operators have budgeted for. Join Cottingham & Butler for a look at the exposures reshaping the ready mix industry, where the marketplace is heading, and the specific coverage and risk control moves producers are making to protect their bottom line. Built for owners, CEOs, CFOs, and risk leaders who want a clear read on where their exposure sits and what to do about it. Read More Register Now WEBINAR SERIES September 24, 2026 Open Enrollment – Renewal Checklist Open enrollment season comes with a long to-do list — this webinar helps you work through it with confidence. We'll walk through key tasks from plan review and employee communications to system updates and post-enrollment audits, plus a regulatory and legislative update on recent changes that may impact your 2027 offerings and year-end compliance items to help you close out the year strong. 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 August 20, 2026 HSAs vs. FSAs vs. HRAs Choosing the right account-based benefit strategy requires understanding how HSAs, HRAs, and FSAs truly compare. This webinar breaks down the similarities and key differences among these plans — including eligibility, funding rules, tax treatment, and portability — and explores how employers can strategically leverage each option to support workforce needs while staying compliant. Read More Register Now IN-PERSON September 15-18, 2026 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. Read More Register Now IN-PERSON August 26-27, 2026 2026 Transportation Summit The Cottingham & Butler Transportation Summit brings together over 550 trucking executives for two days of high-impact networking and insights designed to drive your business forward. Join us August 26-27, 2026 in Schaumburg, IL to discover cutting-edge strategies, connect with industry leaders, and gain proven frameworks that will help you go ALL IN and drive measurable growth. Read More Register Now View All Events Connect with a C&B Representative Today!

IN-PERSON 2026 Transportation Summit Wednesday-Thursday | August 26 & 27 Click here for more information The Cottingham & Butler Transportation Summit brings together over 550 trucking executives for two days of high-impact networking and insights designed to drive your business forward. Join us August 26-27, 2026 in Schaumburg, IL to discover cutting-edge strategies, connect with industry leaders, and gain proven frameworks that will help you go ALL IN and drive measurable growth. August 26-27, 2026 1:00 PM Schaumburg, IL An Agenda Filled with Insight View Event Information Featuring Premier Industry Professionals Upcoming Events WEBINAR September 1, 2026 Emerging Risks Facing the Ready Mix Industry Insurance is one of the largest expenses for the ready mix industry, and the pressure is not easing. Liability costs keep climbing, large claims tied to concrete performance often fall outside a general liability policy, and nuclear verdicts fueled by third party litigation funding are pushing settlements past what most operators have budgeted for. Join Cottingham & Butler for a look at the exposures reshaping the ready mix industry, where the marketplace is heading, and the specific coverage and risk control moves producers are making to protect their bottom line. Built for owners, CEOs, CFOs, and risk leaders who want a clear read on where their exposure sits and what to do about it. Read More Register Now WEBINAR SERIES September 24, 2026 Open Enrollment – Renewal Checklist Open enrollment season comes with a long to-do list — this webinar helps you work through it with confidence. We'll walk through key tasks from plan review and employee communications to system updates and post-enrollment audits, plus a regulatory and legislative update on recent changes that may impact your 2027 offerings and year-end compliance items to help you close out the year strong. 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 August 20, 2026 HSAs vs. FSAs vs. HRAs Choosing the right account-based benefit strategy requires understanding how HSAs, HRAs, and FSAs truly compare. This webinar breaks down the similarities and key differences among these plans — including eligibility, funding rules, tax treatment, and portability — and explores how employers can strategically leverage each option to support workforce needs while staying compliant. Read More Register Now IN-PERSON September 15-18, 2026 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. Read More Register Now IN-PERSON August 26-27, 2026 2026 Transportation Summit The Cottingham & Butler Transportation Summit brings together over 550 trucking executives for two days of high-impact networking and insights designed to drive your business forward. Join us August 26-27, 2026 in Schaumburg, IL to discover cutting-edge strategies, connect with industry leaders, and gain proven frameworks that will help you go ALL IN and drive measurable growth. Read More Register Now View All Events Connect with a C&B Representative 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 Prepare yourself and your drivers for when a crash occurs. Identify and obtain evidence for claim handling and submitting DataQs. Fully utilize the FMCSA's DataQ and Crash Preventability program to mitigate a high accident rate. Learn best practices to help deliver effective coaching that prevents crashes. Your Host Justin Smoot Senior Safety Consultant, SMSC Upcoming Events WEBINAR September 1, 2026 Emerging Risks Facing the Ready Mix Industry Insurance is one of the largest expenses for the ready mix industry, and the pressure is not easing. Liability costs keep climbing, large claims tied to concrete performance often fall outside a general liability policy, and nuclear verdicts fueled by third party litigation funding are pushing settlements past what most operators have budgeted for. Join Cottingham & Butler for a look at the exposures reshaping the ready mix industry, where the marketplace is heading, and the specific coverage and risk control moves producers are making to protect their bottom line. Built for owners, CEOs, CFOs, and risk leaders who want a clear read on where their exposure sits and what to do about it. Read More Register Now WEBINAR SERIES September 24, 2026 Open Enrollment – Renewal Checklist Open enrollment season comes with a long to-do list — this webinar helps you work through it with confidence. We'll walk through key tasks from plan review and employee communications to system updates and post-enrollment audits, plus a regulatory and legislative update on recent changes that may impact your 2027 offerings and year-end compliance items to help you close out the year strong. 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 August 20, 2026 HSAs vs. FSAs vs. HRAs Choosing the right account-based benefit strategy requires understanding how HSAs, HRAs, and FSAs truly compare. This webinar breaks down the similarities and key differences among these plans — including eligibility, funding rules, tax treatment, and portability — and explores how employers can strategically leverage each option to support workforce needs while staying compliant. Read More Register Now IN-PERSON September 15-18, 2026 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. Read More Register Now IN-PERSON August 26-27, 2026 2026 Transportation Summit The Cottingham & Butler Transportation Summit brings together over 550 trucking executives for two days of high-impact networking and insights designed to drive your business forward. Join us August 26-27, 2026 in Schaumburg, IL to discover cutting-edge strategies, connect with industry leaders, and gain proven frameworks that will help you go ALL IN and drive measurable growth. Read More Register Now View All Events Connect with a C&B Representative 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 > Mike Hessling, President As President, Mike focuses on strengthening our operations and positioning Cottingham & Butler for continued growth. His leadership supports the delivery of exceptional client service while fostering an environment where talented professionals build meaningful careers. 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

WEBINAR The Impact of Drugs & Alcohol in Trucking Thursday, October 22nd | 1-2 PM CST Substance abuse in the trucking industry poses serious risks—not only to drivers, but to public safety, company reputation, and regulatory compliance. This webinar explores the far-reaching impact of drugs and alcohol on commercial driving performance. SMSC Senior Safety Consultant Anne-Marie Naples will help participants gain a clear understanding of DOT regulations and testing protocols. October 22, 2026 1:00 PM VIRTUAL Learning Objectives Information Coming Soon! Your Host Anne-Marie Naples Sr. Safety Consultant – Safety Management Services Company Upcoming Events WEBINAR September 1, 2026 Emerging Risks Facing the Ready Mix Industry Insurance is one of the largest expenses for the ready mix industry, and the pressure is not easing. Liability costs keep climbing, large claims tied to concrete performance often fall outside a general liability policy, and nuclear verdicts fueled by third party litigation funding are pushing settlements past what most operators have budgeted for. Join Cottingham & Butler for a look at the exposures reshaping the ready mix industry, where the marketplace is heading, and the specific coverage and risk control moves producers are making to protect their bottom line. Built for owners, CEOs, CFOs, and risk leaders who want a clear read on where their exposure sits and what to do about it. Read More Register Now WEBINAR SERIES September 24, 2026 Open Enrollment – Renewal Checklist Open enrollment season comes with a long to-do list — this webinar helps you work through it with confidence. We'll walk through key tasks from plan review and employee communications to system updates and post-enrollment audits, plus a regulatory and legislative update on recent changes that may impact your 2027 offerings and year-end compliance items to help you close out the year strong. 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 August 20, 2026 HSAs vs. FSAs vs. HRAs Choosing the right account-based benefit strategy requires understanding how HSAs, HRAs, and FSAs truly compare. This webinar breaks down the similarities and key differences among these plans — including eligibility, funding rules, tax treatment, and portability — and explores how employers can strategically leverage each option to support workforce needs while staying compliant. Read More Register Now IN-PERSON September 15-18, 2026 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. Read More Register Now IN-PERSON August 26-27, 2026 2026 Transportation Summit The Cottingham & Butler Transportation Summit brings together over 550 trucking executives for two days of high-impact networking and insights designed to drive your business forward. Join us August 26-27, 2026 in Schaumburg, IL to discover cutting-edge strategies, connect with industry leaders, and gain proven frameworks that will help you go ALL IN and drive measurable growth. Read More Register Now View All Events Connect with a C&B Representative Today!