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Personal Lines Insurance Tailored insurance solutions designed for your unique lifestyle and success. As individuals become more successful, they face risks that the mainstream insurance market cannot adequately cover with standard homeowner, automobile, and umbrella policies. Cottingham & Butler offers a private client insurance program tailored to fit your lifestyle and designed to prevent or reduce your likelihood of loss. The Cottingham & Butler Advantage Our personal lines insurance solutions are built on three core principles: Client Advocacy Our private client team works solely for you, not the insurance company Dedicated support for peace of mind for your family, assets, and wealth protection Clients are our number one priority Exclusive Access Partnerships with premier private client companies Ability to offer broader, more comprehensive coverage at competitive costs Drive competition for your business, bringing multiple solutions Thorough Exposure Review Comprehensive coverage review to identify and address gaps Maximization of carrier discounts and household protection measures Strategic deductible analysis for optimal cost-benefit balance Assessment of the negative impact of reporting small claims Rather than a one-size-fits-all approach, our proprietary Personal Risk Assessment (PRA) process provides a complete roadmap for optimizing each client’s unique insurance program. We review coverage, risk transfer options, claims management, and loss prevention. The complete Personal Risk Assessment will analyze the following areas: Program Design : Is your program the best for you? Coverage Review : What is really in those policies? Liability Assessment : Does your coverage match your net worth? Risk Management : How effective are your risk solutions? ​ ​ ​ Comprehensive Insurance Solutions and Tailored Coverage for Every Aspect of Your Success Personal Lines Coverages High-value home insurance with unlimited rebuild coverage Luxury auto coverage with agreed value policies Personal umbrella liability up to $100,000,000 Valuable articles protection (blanket and scheduled coverage) Yacht and watercraft insurance Private aviation coverage Personal cyber crime coverage Personal Lines Key Features Unlimited rebuild coverage for homes Flexible deductible options (can be waived up to $25,000 for claims over $50,000) Backup of sewer & drain coverage Cash settlement option for total losses Agreed value for auto policies Worldwide coverage for insured personal articles Excess liability coverage up to $100,000,000 Uninsured/underinsured motorist coverage up to $10,000,000 "Cottingham & Butler thoroughly understood our needs and evaluated numerous options. They suggested coverage modifications we hadn't considered, resulting in a more comprehensive offering, better protection, and cost savings. Their professional approach left us completely satisfied with our partnership." Personal Lines Client | Chicago, IL Personal Lines Insurance Insight & Impact Personal Lines Maximizing Protection While Minimizing Costs In the world of personal insurance, finding the right balance between comprehensive coverage and affordable premiums can be challenging. Personal Lines Optimizing Multi-Home Insurance: How We Increased Coverage and Decreased Premiums by 33% This case study showcases how strategic adjustments can lead to superior protection at a lower cost. Personal Lines From Gaps to Comprehensive Coverage In the world of high-net-worth individuals, insurance needs can be complex and multifaceted. VIEW MORE Connect with a Personal Lines Insurance Specialist!

Construction Captive Cottingham & Butler Captives & Programs deliver alternative risk solutions for best-in-class companies. CONNECT WITH OUR TEAM Joining our Construction Captive means collaborating with like-minded best-in-class companies. Together, you'll gain control over your insurance programs and unlock the potential for substantial cultural and financial improvements. Building a Better Future At Cottingham & Butler, our unwavering commitment revolves around building tightly controlled captives with a carefully curated selection of members. Our primary aim is to ensure that all members share common insurance goals and strategies, creating a solid foundation for success. Standard Market For best-in-class businesses, traditional insurance has historically been the go-to-choice for managing risk. However, it often comes with costly challenges. Fluctuating insurance costs regardless of claims experience Market volatility beyond your control Limited influence over claims management The stress of last-minute renewals Insurance carrier retains profits Captive Program A group captive brings together best-in-class companies who join to form their own insurance company. The captive is controlled by its owners, enabling companies to break free from the standard market. Request a FREE personalized captive comparison Construction Captive Testimonials “With the assistance and guidance of the Cottingham & Butler safety team, we have enhanced our overall company safety program by improving our ability to document, follow up, and trend for the future. We have seen a shift from being reactive to proactive.” Jacob Gilmore, Jr. | President & CEO, Gilmore Construction Corporation Construction in a Crush: Why Captives Are the Lifeline You Need READ THE FULL ARTICLE Current Quarter Market Report DOWNLOAD THE 2024 Q2 REPORT Ready to learn more about our Captive Solutions? VIEW OUR CAPTIVE BROCHURE Unlock the Strategic Benefits of Captive Insurance Predictable Costs Less Market Volatility Control Over Claims Lower Premiums Tailored Coverage Best-in-Class Peer Engagement Return of Underwriting Profits Company Specific Loss Control Is a Group Captive Right for You? Tired of paying too much for your insurance? Want more control over claims handling? Want to join growth-focused peers? Need more proactive safety support? Ready to invest in yourself for premium returns? CONTACT OUR CAPTIVE EXPERTS TODAY! Captive Insight & Impact Stop Loss On-Demand | Self-Insurance Simplified – Why Your Fully Insured Renewal Might Cost You More Long Term Discover of how insurance premiums are established and why cost might not be stacking up in your favor. Click here to watch the webinar now! Stop Loss On-Demand | Self-Insurance Simplified - Self-Funding 101 Discover the components of self-funding, benefits, and drawbacks. Click here to watch the webinar now! Stop Loss On-Demand | Self-Insurance Simplified - Strategies for Reducing Claims Spend Self-funded employers are able to take control of plan spend through many different strategies. We dive into some of these top strategies... VIEW MORE Construction Captive Contact our Construction Captive Experts Today!

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 Articles The Hidden Culprits Behind Skyrocketing Healthcare Costs: What 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? Articles Three Things You Can Do to Improve Job Satisfaction In today's competitive job market, retaining talent is a top priority for any organization. Case Studies School District Reduces Healthcare Costs 10% While Providing $0 Healthcare Coverage Discover how a school district reduced healthcare costs by 10% while providing $0 healthcare coverage. VIEW MORE Cost Management Connect with our Cost-Saving Experts Today!

WEBINAR Captive 101 for Metal Manufacturers Thursday, November 7, 2024 ​ Are you tired of unpredictable insurance premiums and limited control over your risk management? Join us for an insightful webinar that will introduce you to the world of group captive insurance - a powerful alternative that's transforming how businesses approach risk. In this session, we'll discuss a potential captive solution for metal manufacturers. Our expert panel will demystify group captive insurance and demonstrate how it can benefit your foundry, die casting, or forging operation. Whether you're a seasoned insurance professional or new to alternative risk solutions, this webinar will provide valuable takeaways into how group captives work and why they're gaining popularity across various industries. November 7, 2024 11:00 AM VIRTUAL What You Will Gain Understand the fundamental concepts of group captive insurance and how it differs from traditional insurance models in addressing the specific risks faced by metal manufacturers. Identify the key benefits of participating in a group captive, including potential cost savings, improved loss control, and greater financial flexibility. Recognize the types of businesses that are best suited for group captive programs and the qualifying factors considered. Explore the structure and operations of a group captive, including member responsibilities, profit sharing, and risk distribution. Your Hosts Justin Wenzelman VP, Captives & Programs - Cottingham & Butler Katie Hensley Sales Executive, Risk Management - Cottingham & Butler Matt Murray VP, Risk Management - Cottingham & Butler Upcoming Events WEBINAR October 23, 2024 FMCSA Compliance Visits: What You Need to Know Undergoing compliance investigation is a source of apprehension for any motor carrier. The implementation of changes and safety measures has made an FMCSA compliance review investigation visits particularly daunting for trucking operations. Please join us as we delve into the intricacies of the FMCSA review process and present best practices for preparedness and compliance to ensure a successful investigation. Register Now! Register Now! WEBINAR November 7, 2024 Captive 101 for Metal Manufacturers Are you tired of unpredictable insurance premiums and limited control over your risk management? Join us for an insightful webinar that will introduce you to the world of group captive insurance - a powerful alternative that's transforming how businesses approach risk. In this session, we'll discuss a potential captive solution for metal manufacturers. Our expert panel will demystify group captive insurance and demonstrate how it can benefit your foundry, die casting, or forging operation. Whether you're a seasoned insurance professional or new to alternative risk solutions, this webinar will provide valuable takeaways into how group captives work and why they're gaining popularity across various industries. Register Now! Register Now! WEBINAR November 20, 2024 Identifying and Addressing Common OSHA Violations in a Shop Join us for an informative webinar to help shop owners, managers, and safety professionals identify and address common OSHA violations. Ensuring compliance with OSHA regulations is crucial for maintaining a safe and productive work environment. This webinar will give you the knowledge and tools to recognize potential hazards and implement practical corrective actions. Register Now! Register Now! View All Events Connect with a C&B Representative Today!

Your future starts with Cottingham & Butler We understand the value of fresh perspectives and eager minds. Students and recent graduates play a significant role in shaping the future of our industry. At Cottingham & Butler, we provide an environment and culture where you can learn, grow, and make a lasting impact. Whether you're seeking an internship to kickstart your journey or launching your career as a recent graduate, we have the perfect path for you. Explore our opportunities now and take the first step towards your future. Internship Program > Graduate Careers > Internship See what makes interning at Cottingham & Butler the ultimate learning experience. Internship Program 1:1 Mentorship Get 1:1 mentorship, manager support, and direct access to the Cottingham & Butler leadership team. Never underestimate your potential. As a Cottingham & Butler intern, you'll take on specific responsibilities, putting you front and center with clients and within various business functions, all while gaining a 360-degree view of life at Cottingham & Butler. ​ Applications for the 2025 internship program will open mid-August 2024. Internship Class : 2017 Current Role : Vice President, Transportation Lexi Myers MEET LEXI Graduate Graduate Careers Start your career by doing something meaningful. A career at Cottingham & Butler means belonging to an ideas-driven culture that embraces new perspectives to solve complex problems. Whether engaging clients or contributing to our operations, every day brings a new challenge, accompanied by an ever-expanding level of responsibility. VIEW FULL-TIME CAREER OPPORTUNITIES Launch Your Career with Confidence Learn from C&B Insiders for advice to make a lasting impression during your interview. LAND YOUR DREAM JOB AT COTTINGHAM & BUTLER Access Our Resume Writing Guide Now to Create a Personalized, Winning Resume REVAMP YOUR RESUME What We Look For In Early Career Candidates Who You Are Embrace your individuality, share unique experiences that will contribute to our dynamic business culture. How You Think Demonstrate strategic and innovative problem-solving skills vital for overcoming challenges in service to our business and clients. What Matters to You Showcase your values aligned with our commitment to integrity, emphasizing a positive impact within our organization and the broader community. Artfile-05 Artfile-03 IMG_8052 Artfile-05 1/4 Young Professionals Network Connecting young professionals with each other, the business community, and the city in which we live, work, play, and do business. LEARN MORE ABOUT YP DUBUQUE Connect with our Recruiting Team!

Stop Loss Captive Solutions Cottingham & Butler Captives & Programs deliver alternative risk solutions for best-in-class companies. CONNECT WITH OUR TEAM Gain control over your healthcare expenses, reduce financial risk, and access tailored coverage with our Stop Loss Captive solutions. Our expertise and innovative approach ensure you're covered, and your bottom line is protected. Captive Advantage A growing number of employers are considering medical stop loss group captives as a strategic alternative to both traditional first-dollar health insurance and self-funded programs. Guide Re is a member owned group captive managed by Cottingham & Butler, that harnesses the benefits of self-funded health plans while incorporating a captive insurance overlay and allows flexibility to tailor health programs to your unique requirements. Unlock the Strategic Benefits of Captive Insurance Predictable Costs Less Market Volatility Control Over Claims Lower Premiums Tailored Coverage Best-in-Class Peer Engagement Return of Underwriting Profits Company Specific Loss Control Deerwalk Analytics is a state-of-the-art population health management and healthcare analytics engine that provides employers with meaningful insights to better manage and analyze their costs, care quality, and risk of populations SCHEDULE A DEMO WITH OUR TEAM Is a Group Captive Right for You? Tired of paying too much for your insurance? Want more control over claims handling? Want to join growth-focused peers? Need more proactive safety support? Ready to invest in yourself for premium returns? CONTACT OUR CAPTIVE EXPERTS TODAY! Captive Insight & Impact Stop Loss On-Demand | Self-Insurance Simplified – Why Your Fully Insured Renewal Might Cost You More Long Term Discover of how insurance premiums are established and why cost might not be stacking up in your favor. Click here to watch the webinar now! Stop Loss On-Demand | Self-Insurance Simplified - Self-Funding 101 Discover the components of self-funding, benefits, and drawbacks. Click here to watch the webinar now! Stop Loss On-Demand | Self-Insurance Simplified - Strategies for Reducing Claims Spend Self-funded employers are able to take control of plan spend through many different strategies. We dive into some of these top strategies... VIEW MORE Stop Loss Captive Contact our Stop Loss Captive Experts Today!

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 Articles 6 HR Trends to Monitor in 2024 Discover the latest HR trends to monitor in 2024. Learn how AI, skills-based hiring, and more will shape the future. Articles Annual Open Enrollment Checklist Open enrollment can be an extremely positive and rewarding experience for you and your employees, providing you plan for it well in advance. Case Studies Providing a Better Open Enrollment Solution A West Virginia manufacturing company wanted to communicate more effectively and implement a holistic benefits package. VIEW MORE HR Efficiency Connect with our HR Efficiency Experts Today!

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

Metalcasting Industry The largest and most experienced insurance broker serving the metalcasting and foundries industry. CONNECT WITH OUR TEAM Metalcasting > Cottingham & Butler is one of the most experienced brokers in the country, committed to delivering insurance programs that are crafted to address the unique exposures and large-scale risks of the metalcasting industry. Our comprehensive insurance solutions ensure you are well protected, providing you with peace of mind and confidence in your business's resilience. Minimize Risk & Maximize Results with Proactive Risk Control With a strong emphasis on risk control, we offer unparalleled claims advocacy, loss control, Proactive loss prevention Claims advocacy & management Specialized coverage & services Proprietary, deep-dive program analysis Recognized as American Foundry Society (AFS) Affinity Broker and Non-Ferrous Founders Society (NFFS) Preferred Broker. At Cottingham & Butler, we take great pride in our expertise in managing complex risks. Discover how we have successfully helped businesses like yours. LEARN MORE Metalcasting Insights Articles Nuclear Verdicts and Their Impact on Captive Insurance As we navigate the increasingly litigious landscape of risk management, we'd like to highlight trends related to nuclear verdicts and... Manufacturing Manufacturing Trends to Watch in 2024 Businesses in the manufacturing sector contribute significantly to the economy by utilizing raw materials to create a wide range of... Articles OSHA's New Walkaround Rule – Effective May 31, 2024 OSHA announced its final rule that clarifies employees’ rights to authorize a representative to accompany an OSHA compliance officer. VIEW MORE Metalcasting Meet with our Metalcasting Team Colin Green, Vice President Colin’s top priority is to act as a consultant to his clients by skillfully communicating complex risk management issues and placing the best coverage for the individual risks each client presents. John Link, Vice President With years of experience, John’s expertise overlaps in Property Casualty, Captives and Self-Insurance. John works primarily with medium to large commercial manufacturing and foundry clients. Katie Hensley, Risk Consultant Katie began her insurance career as a Workers’ Compensation Adjustor. Today, Katie is a Property & Casualty Broker specializing in Manufacturing and Foundry clients.

5 Proven Strategies Every Employer Needs to Know How to Cut Healthcare Costs by Up to 30% 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. Free Guide Access Your Free Guide By downloading, you agree to receive updates from Cottingham & Butler. You can unsubscribe at any time. Inside this Free Guide: Prescription Drug Cost Management Learn how to cut drug costs by up to 25% without compromising care. Uncover Hidden Savings Discover alternative coverage options that benefit both you and your employees. Family Coverage Optimization Improve coverage to save $10,000+ per family annually. Smart Healthcare Shopping Discover tools to help employees save thousands on procedures. Innovative Funding Strategies Learn how alternative risk programs can help cut premiums by 5-8% annually. $310,000 Saved A school district with 200 employees optimized their family coverage plans, resulting in substantial savings.

Employers often assume they understand what employees want, but do they truly grasp how satisfied employees are with their benefits packages? CONNECT WITH OUR TEAM Employee satisfaction with benefits is crucial to recruit and retain top talent. However, typical surveys lack depth and offer generic results, making it challenging for employers to make strategic decisions. ​ 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. Research indicates that most job seekers prioritize benefits over salary, with 80% being willing to accept lower pay for better benefits. REQUEST A DEMO WITH OUR TEAM! The BenefitWave Advantage: Expert Guidance Expert benefits consultants align employee needs with cost-effective benefit value. Trade-Off Preferences Unravel what truly matters to your employees by presenting benefit trade-offs. Data-Driven Design Identify key value-driving decisions to design tailored benefit programs that attract and retain top talent. Why Employee Benefits Analysis Matters Customized Benefits Creation : Transform raw employee feedback into precisely tailored benefit packages that resonate with individual needs. Deeper Understanding : Dive into employee data and gain insights beyond surface preferences, crafting benefits that elevate satisfaction effectively. Strategic Budgeting : Discover where additional budget allocation generates maximum impact, ensuring value-driven benefit strategies. SCHEDULE A TIME WITH OUR TEAM! Design and deliver a total rewards program that turns employee feedback into the perfect benefits package. Uncover priorities for a happier, more engaged workforce. “What matters most to your employees: Paid Time Off or Workplace Flexibility?” ​ Discover insights to tailor your benefits effectively. "In a trade-off between higher medical deductibles or increased premiums, which do your employees prefer and by how much?” ​ Understand preferences to enhance employee satisfaction. "What holds greater value for your team: 401k Match or Tuition Reimbursement?” Gain insights to optimize your benefits program and attract & retain top talent. "If given additional budget for benefits, where would it create the most value?” REQUEST A DEMO WITH OUR TEAM! Employee Benefits Insight & Impact Articles The Hidden Culprits Behind Skyrocketing Healthcare Costs: What 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? Stop Loss On-Demand | Self-Insurance Simplified – Why Your Fully Insured Renewal Might Cost You More Long Term Discover of how insurance premiums are established and why cost might not be stacking up in your favor. Click here to watch the webinar now! Stop Loss On-Demand | Self-Insurance Simplified - Self-Funding 101 Discover the components of self-funding, benefits, and drawbacks. Click here to watch the webinar now! VIEW MORE BenefitWave Start today by contacting a Benefits Consultant to learn more.

Unlock the Power of Data for Your Trucking Business Trucking Benchmark Survey CONNECT WITH OUR TEAM Over 80% of all trucking companies battle high driver turnover rates which often are directly linked to subpar employee benefits. Investing in a comprehensive benefits and compensation program, not only boosts driver satisfaction but also significantly reduces turnover rates and positions your company to attract and retain the best drivers. For over 15 years, the Cottingham & Butler Trucking Benchmark Survey has provided trucking companies with data-backed insights to enhance their employee benefits strategy, improve driver retention, and ultimately drive long-term success. Did you miss the opportunity to participate in our 2024 survey? If so, download the FREE sneak peak , offering you glimpse into the full report. GET YOUR FREE 2024 INSIDE LOOK NOW! Why Participate? High driver turnover isn't just a statistic – it's a seismic blow to your trucking company's bottom line. Research shows that losing just one driver can cost your company up to $11,500, factoring in recruitment, training, and lost productivity expenses. ​ Recruiting and retaining top-quality drivers is crucial for the success of any motor carrier. ​ The Cottingham & Butler Trucking Benchmark Survey offers insights into: Driver compensation & bonus structures Paid time off strategies Detailed Medical and Rx Plan Benchmarks Miscellaneous benefits tailored to the trucking industry Gain a competitive advantage and elevate your cost management strategies by benchmarking your programs against industry peers. Join leading motor carriers from across the nation in shaping the future of the industry. Participate in our survey now and gain access to the tools you need to elevate your trucking operation. Fill out the form below to participate in the 2025 survey! Transportation Insight & Impact Transportation Top 5 Risks Impacting Texas Trucking Companies Written by Larry Nedder Texas trucking companies face a myriad of challenges in today's evolving business environment. Understanding and... Articles Factors to Consider When Estimating Maximum Loss of Business Income Business interruption insurance can offer much-needed financial protection when an organization’s usual business activities are disrupted... Articles On Demand | Navigating Driver Safety: Insights Inside and Outside the Cab The transportation industry is an industry unlike any other. According to the U.S. Department of Labor, Bureau of Labor Statistics, truck... VIEW MORE Whether you need clarification on survey data or want to discuss optimizing your benefits strategy, we're just a message away. Jill Lange Sales Executive Kim Beck Senior Vice President Jamie Bishop Vice President Eddie Rios Vice President Jackie Ronning Vice President TBS Connect with our team of trucking benefits experts!