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Population Health Empowering Health & Wellbeing CONNECT WITH OUR TEAM At the heart of our mission lies a commitment to your employees' wellbeing, understanding that a healthy workforce is a thriving workforce. We advocate for your employees' health and wellbeing because we know it's not just good for them; it's great for your bottom line. Building a Healthier Future Investing in employee health is an investment in your organization's future. A healthier workforce translates to higher productivity, reduced absenteeism, and improved morale. Our program design assistance focuses on tailoring wellness initiatives to align with your specific goals. Whether it's stress reduction, weight management, or encouraging a healthier lifestyle, we work hand-in-hand with you to craft a program that supports both your employees and your bottom line. Goal Identification We work closely with clients to understand their unique workforce and benefits goals, helping them establish clear, measurable objectives for improving employee health and wellbeing. Vendor Selection We leverage our extensive knowledge of the health and wellness vendor landscape to identify and recommend best-fit partners that align with each client's specific population health strategy, culture, and budget satisfaction. Incentive Design Ourteam excels at crafting creative, effective incentive programs that drive engagement in health initiatives by rewarding employees for taking steps to improve their wellbeing, from increasing physical activity to managing chronic conditions. Integrated Care Management Did you know that integrated care management can help employers reduce healthcare costs by up to 15% and make employees feel more supported? Integrated care ensures your employees receive the right treatment at the right time, leading to better health outcomes and significant cost savings for your organization. Request more information to learn how we can customize a program that fits your needs. Reduce Costs, Boost Engagement, and Empower Your Workforce Just like employees wouldn't navigate a new city without a map, they shouldn't navigate their benefits alone either. MyAdvocacy makes benefits easy, fast and mobile by connecting employees with benefits plan details, in-network providers, expert benefit support, insurance card information, low-cost, quality providers, and healthcare accumulators. SCHEDULE A DEMO! Empowering Health Through Education We believe education is the foundation of a healthy workforce. We offer engaging resources that empower both employers and employees to make informed decisions about their health, potentially leading to significant cost savings for your organization. DOWNLOAD FREE MONTHLY WELLNESS CALENDAR HealthCheck360: Your Strategic Partner in Health & Wellbeing Investing in employee wellbeing is an investment in your company's success. A healthy workforce is a happier, more productive, and less costly one. Our in-house wellness team, HealthCheck360, is just one way we can help you achieve this goal. Together, we offer a comprehensive suite of health and wellness solutions, including: Wellness Consulting Integrated Care Management Chronic Condition Management Biometric Screenings Advocacy and Navigation Lifestyle Rewards Wellness Engagement Technology Health Coaching Mental Wellbeing Financial Wellbeing Population Health Insights 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. Articles Health Risk Assessments Discover the benefits of health risk assessments (HRAs) for your employees' well-being. Articles The Impact of Employee Mental Health and Well-being in the Workplace Discover the profound impact of employee mental health on business performance and workplace safety. VIEW MORE Population Health Connect with our Team of Experts Today!

Manufacturing Captive Cottingham & Butler Captives & Programs deliver alternative risk solutions for best-in-class companies. CONNECT WITH OUR TEAM As a member of our Manufacturing Captive, members collaborate with similar, top-tier companies, gaining control over their insurance programs while fostering the potential for significant culture and financial improvements. Mfg Captive Testimonial “With the help of the captive, we have added the support and structure necessary to not only make safety a focus but to make safety a part of the Woolf Culture— at work and in all of our daily lives.” Karen Corley | Controller, Woolf Distributing Company Inc. Weathering the Storm: Captive Insurance as a Risk Management Solution for Manufacturers in a Turbulent Economy 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 Manufacturing Captive Contact our Manufacturing Captive Experts Today!

Private Equity and M&A Advisory Services Empowering clients to maximize returns by strategically reducing risk across their portfolio. In a market defined by unpredictability, high deal costs and significant risks, optimizing portfolio performance is more critical than ever. Cottingham & Butler’s holistic risk management approach delivers measurable value by safeguarding assets, enhancing workforce management, and driving cost efficiencies across your entire portfolio. ​ Our team of Private Equity and M&A experts are dedicated to increasing client value at every stage of the investment process with our comprehensive products and services. Risk Management Solutions We specialize in delivering comprehensive, tailored insurance and risk management solutions that drive superior results for private equity firms. Our expertise in property and casualty insurance ensures that your portfolio companies are protected, compliant and optimally positioned for growth and profitability. In-Depth Risk Management Assessment We provide thorough risk, coverage, and cost evaluations during the due diligence process, identifying potential liabilities and gaps to inform better acquisition decisions. Insurance Program Optimization Our team reviews and benchmarks existing insurance policies, recommending enhancements to ensure comprehensive protection and cost savings. Broad Market Access Our extensive network of relationships with leading insurers domestically and across the world allows us to access a wide range of coverage options and competitive pricing. Customized Solutions We design and implement insurance programs tailored to the specific needs and risk profiles of each portfolio company, ensuring optimal coverage and cost-efficiency. Claims and Safety Management Our dedicated claims advocacy team helps negotiate and expedite claims processing to maximize recoveries. Safety Programs Our safety company SMSC provides tailored assessments, comprehensive training, and effective protocols to enhance workplace safety and reduce incidents to better protect employees and assets. Schedule a Portfolio Risk Assessment! LEARN MORE Benefits Advisory Our employee benefits experts provide strategic consulting and tailored solutions to optimize benefits programs across your portfolio companies, ensuring maximum value and employee satisfaction. Due Diligence Our specialized M&A benefits team conducts thorough due diligence, identifying potential liabilities and synergies in target companies' benefit structures to inform deal valuations. Benefits Design We design and implement competitive, cost-effective and scalable benefits plans that can flex with portfolio company growth. Competitive Benchmarking Our proprietary benchmarking allows us to align portfolio company benefits with industry standards, ensuring competitiveness while controlling costs. Rate Negotiation We leverage our market power to negotiate superior rates and terms for portfolio-wide benefits programs, reducing costs while enhancing coverage. Compliance Support Our in-house compliance team offers ongoing support to navigate complex regulatory landscapes, mitigating risks across your portfolio. Benefits Technology We deploy and optimize industry-leading benefits technology solutions across your portfolio, streamlining administration, improving employee engagement, and providing actionable data insights. Post-Acquisition Management We provide expert guidance on benefits harmonization post-acquisition, minimizing disruption and maximizing employee retention during critical integration periods. The Cottingham & Butler Difference Delivering Unparalleled Value in Private Equity An Exceptional Team Our success stems from a distinguished Private Equity team, blending seasoned leadership, specialized analysts, and diverse experts to deliver comprehensive, results-driven insights. Get Started Don't just take our word for it – experience our expertise firsthand. We offer multiple ways to get acquainted and demonstrate the value we bring to your portfolio: Acquisition Due Diligence Let us conduct a thorough due diligence on your next acquisition, showcasing our expertise in risk assessment and value identification. Portfolio Company Deep-Dive Engage us for an in-depth analysis of a portfolio company that needs strategic intervention. We'll provide actionable insights to drive performance. Portfolio Benchmarking Gain a competitive edge with our comprehensive benchmarking across your portfolio companies, identifying opportunities for growth and optimization. 4th largest privately and independently held broker in the US – big enough to deliver, small enough to care Private Equity and M&A Insight & Im pact Articles Merger & Acquisitions Insurance Considerations During a merger or acquisition, both parties must review and update their insurance coverages to ensure all risks are accounted for. Articles Mergers & Acquisitions: Manage the Hidden Risks Discover how to navigate hidden risks in mergers & acquisitions. Uncover essential tips for managing liabilities & protecting your company. Articles Managing Cyber Security During a Merger or Acquisition During a merger or acquisition, cybersecurity is, unfortunately, often put on the back burner. VIEW MORE Schedule a Consultation with an Expert!

Safety Management Services Building a culture of safety for a secure and successful future. CONNECT WITH OUR TEAM Cottingham & Butler Safety Management Services is your dedicated partner in safety management and loss control. Our team of specialized safety consultants help clients craft exceptional programs aimed at risk identification, mitigation, and prevention. Safety Management Services In today’s fast-paced and competitive business environment, we prioritize building a strong safety culture within your organization. Our consultants work closely with you to instill a safety-first mindset, seamlessly integrating safety practices with productivity even in the most streamlined and lean work environments. Safety Assessments Employee Risk Evaluation Risk Improvement Programs Workshops & Seminars Safety Resources Portal Management Training Mock Compliance Audit Safety Webinars Click here to learn more about our safety leadership program > Safety Education and Training Imagine a workplace where safety isn't just a priority, it's a shared value. At Cottingham & Butler, we don't just offer safety training, we create transformative learning experiences. Our engaging workshops, interactive seminars, and expert-led programs go beyond checklists and compliance. We focus on empowering your employees, creating positive safety behaviors, and building a culture of ownership. The results? Reduced incidents, improved morale, and a safer, more successful organization. Safety Insights 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... Articles On Demand | Navigating Jobsite Hazards: A Proactive Approach to Safety Workplace hazard awareness training is essential for ensuring employee safety and preventing accidents. During such training, employees... Articles On Demand | Unlocking the Techniques of Workplace Incident Investigations Workplace incident investigations play a crucial role in maintaining safety and preventing future accidents. When an incident... VIEW MORE “Safety Management Services has been a great partner and a tremendous resource as we have worked toward our safety goals. Their knowledge and practical, real-world solutions have been an instrumental part of our success.” Chad A. Burroughs | United Building Centers Let’s Get to Work Our dedicated team of Safety Consultants is here to support your success. With expertise across various industries, we're confident in our ability to assess and better manage risk in your business. For a personalized consultation on how we can help your business operations, reach out to us today. Safety Management Services Connect with a Safety Consultant Today!

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

People are capable of amazing things EXPLORE CAREER OPPORTUNITIES At Cottingham & Butler, we firmly believe in the extraordinary capabilities of people. Our commitment is to unleash that potential by empowering our team to take on new challenges that create remarkable outcomes for our clients. Join a team that celebrates your talents and where your contributions make a genuine impact on the business. Learn more about what we do, who we are, and why you’ll love working here too. Sales Career Earn trusted advisor status with some of the best companies across the country. Help owners and senior-level executives transform how they manage their business and solve some of their greatest challenges when it matters most. EXPLORE SALES CAREERS Meet Colin, Sales Superstar > Service Career Join a dynamic team of professionals who are committed to delivering exceptional client value and service, every day. Raise the bar by advocating, inventing, and delivering results for organizations across a variety of industries. JOIN OUR SERVICE TEAM Meet Blythe, Service Champion > Corporate Career Join a trusted corporate resource team, responsible for delivering operational excellence that supports our rapid growth. Together, we share the goal of delivering specialized service and expertise that help moves the business forward. EXPLORE CAREER OPPORTUNITIES Meet George, Creative Achiever > Interns & New Grads As a young professional, you'll be immersed into a team that mentors you to master the business, empowering you to start problem-solving and delivering client value from day one. EXPLORE OUR STUDENT OPPORTUNITIES Meet Sydney, Passionate Problem-Solver > Better Every Day At Cottingham & Butler we believe in the power of continuous improvement. That's why "Better Every Day" isn't just our slogan, it's the driving force behind everything we do. It shapes our interactions with clients, strengthens team connections, and positively impacts the communities we serve. Ready to work for a company that prioritizes your well-being? A career here gets you access to a variety of benefits + perks that help you be your happiest, healthiest self. We are committed to helping our team grow personally and professionally, with benefits built to support every stage of life. Health & Wellness Medical, Dental, Vision, Rx Free Telehealth Paid Disability Brain Health Resources Wealth Benefits 401K Profit Sharing Tax-Advantaged Accounts Dependent Scholarship Program Time & Family Paid Time Off Employee Discounts Holiday Club Onsite Dining & Fitness COMMUNITY IMPACT Opening Doors VIEW MORE COMMUNITY SUPPORT Begin your job search now and discover exciting career opportunities at our company. Featured Roles Entry Level Sales Executive Senior Accountant Employee Benefits Client Consultant APPLY TODAY! APPLY TODAY! APPLY TODAY! View all career opportunities > Connect with our Recruiting Team!

Surety Bonds Enjoy Greater Flexibility CONNECT WITH OUR TEAM The Cottingham & Butler Surety team specializes in delivering surety bond solutions that provide unparalleled adaptability, giving you the freedom and confidence to pursue your goals with ease. Our Approach With an aim to structure a program that will provide a contractor with the flexibility to capitalize on strategic opportunities, we focus on consultancy to help our clients understand how best to position themselves for success. Program Design We analyze and improve surety programs to get you the best deal with flexible terms, so you can pursue the projects you want without overspending. Our experienced team closely evaluates your requirements, identifying areas for cost reduction and improved efficiency, while ensuring you have the necessary capacity to undertake projects of varying scales. Market Relationships We partner with a number of sureties on a regional and national level. We advocate for our clients and obtain results by leveraging our strong and deep relationships. Our extensive network allows you to connect with the right surety providers, ensuring you get the most favorable terms and conditions. Benchmarking & Services Our proprietary reports go well beyond financial performance. Through our unique process, we provide clients with insight that helps them outshine the competition. Our benchmarking services are designed to give you a comprehensive understanding of your standing in the industry. Subcontractor Default Insurance We help our clients limit the risk of subcontractor default through a comprehensive approach that includes a “constant qualification” (assessment and implementation), selection process, real time contractor qualification and verification, and contractual risk transfer. Our tailored approach to subcontractor risk management ensures that your projects remain on track and that potential disruptions are mitigated. Surety Bond Types Explore the different types of surety bonds and begin your application through the selections below. Contractor Pre-Qualification > Bid Bond Application > BMC84 > Experience the Power of Surety Bonds Bank-Guaranteed Security Enjoy the peace of mind, knowing your financial interests are backed by a reliable institution. Surety Bonds Insights Articles Contract Bonds | A Bumpy Path to Success Contract bonds play a crucial role in the construction industry, providing financial guarantees and risk mitigation for various projects. Articles Strategies to Strengthen Bonding Capacity and Navigate Our Evolving Construction Economy In unpredictable economic times, maintaining and increasing bonding capacity becomes crucial for contractors. Articles The Creeping Retainage Vine Discover how retainage impacts cash flow in the construction industry amidst labor shortages and cost escalations. VIEW MORE Surety Bonds Contact Questions? Talk to our Surety specialist!

Property & Casualty Insurance Risk Solutions 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, are the foundation of the value we bring to our clients every day. Imagine a future where risk is not just managed, but confidently understood. We’ve found that most insurance programs provide a limited view of your total risk landscape. Wouldn’t it be nice to see the whole picture? The Cottingham & Butler Risk Management Assessment is a proprietary, deep-dive analysis that explores each client’s unique risks and uncovers gaps that are often missed in the normal insurance process. CONNECT WITH OUR TEAM TO LEARN MORE Client Solutions Empowering businesses with comprehensive solutions to navigate risk and achieve long-term success. Insurance & Consulting Captives & Programs Safety & Loss Prevention Claims Management Featured Expertise The Captive Advantage Tired of rising insurance costs and limited control? You're not alone. Many leading companies are turning to captive programs to: Reduce costs : Gain greater control over your risk and potentially achieve significant savings. Run a safer company : Proactive risk management programs within captives can lead to fewer claims and improved safety culture. Control over claims : Have a say in the claims process and work with a team that truly understands your risk profile and expectations. SEE IF A CAPTIVE IS RIGHT FOR YOU One Hack Away From Disaster? Cyber attacks are a constant threat, regardless of industry or size. According to IBM's 2023 Cost of a Data Breach Report, the average cost of a data breach for businesses is a staggering $2.6 million. Can your business afford these significant financial repercussions? A single cyber attack can trigger a serious domino effect, crippling your daily operations, breaking customer trust, and exposing your organization to large fines and legal repercussions. Don't wait for a disaster to strike. Secure your future, today. COMPLETE YOUR FREE CYBER RISK ASSESSMENT Delivering Impact Across Every Industry We take great pride in understanding every client and the unique industries in which they operate, which is why we provide dedicated, forward-thinking, relationship-driven teams to serve these and many other critical business sectors. Transportation > Food & Agribusiness > Manufacturing > Construction > Client Impact Story Discover How One Client Achieved a 28% Reduction in Property Premiums, Saving $675,000 Without Sacrificing Coverage VIEW CLIENT CASE STUDY 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 | Big Doors Swing on Small Hinges: The 5 Best Contract Changes to Make NOW to Lower Your Risk and Sleep Better at Night Construction contracts are fraught with risk. Contract Sums are high, and potential liability for each and every project is higher still.... VIEW MORE PC Contact Us Connect with our Property & Casualty Team

Doing Good Is Who We Are Doing the right thing for our clients, communities and coworkers is at the heart of our culture. Our people embody the Better Every Day mindset through impactful giving, from volunteering and company drives to annual donations supporting hundreds of non-profits. Together, we improve lives and strengthen communities. C&B Better Initiative Fueled by a shared vision and the dedication of over 100 teammates, the C&B Better Initiative has poured over $100,000 back into our local community. See Our Impact > Annual Holiday Drive Since 2009, our annual Holiday Drive has partnered with Toys For Tots, Opening Doors, and The Barriers Project, spreading joy and support to local families. Learn How We Spread Joy > United Way Campaign Dare to go over the edge? Every year, our daring and big-hearted C&B teammates willingly rappel down a 10-story building to support the United Way. Why We Go Over the Edge > Opening Doors The Red Basket Project Junior Achievement Little Hero League The Riverview Center The Fountain of Youth Program Join Our Better Every Day Team!

Mergers & Acquisitions Streamlining Benefit Transition and Risk Assessment CONNECT WITH OUR TEAM M&A transitions shouldn't be a benefits burden. We help our clients expertly navigate the complexities, ensuring a smooth benefit structure integration and minimizing risks for a successful, stress-free transaction. Our M&A Strategy Our tailored approach involves thorough due diligence and risk evaluation, empowering you with informed choices. From optimizing cost structures to providing additional solutions and support, we stand by your side, making M&A management seamless. Informed Decisions through Due Diligence We carefully analyze benefit structures and risks, equipping you with vital insights for informed M&A decisions. Options for Transitioning Benefit Structure We present tailored options to transition benefit structures smoothly, ensuring minimal disruption and maximum employee satisfaction. Optimizing Cost Structure Our expertise allows us to identify cost-saving opportunities, negotiate effectively, and streamline procurement, improving overall financial health. Support Beyond Expectations We go the extra mile by providing support beyond benefit transition, ensuring you experience a seamless merger or acquisition and set a solid foundation for future success. Mergers and acquisitions are exciting endeavors, but don’t let benefit discrepancies disrupt your M&A timeline or negatively impact employee morale. Download our free guide to M&A benefits integration Mergers & Acquisitions Insights Articles Merger & Acquisitions Insurance Considerations During a merger or acquisition, both parties must review and update their insurance coverages to ensure all risks are accounted for. Articles Mergers & Acquisitions: Manage the Hidden Risks Discover how to navigate hidden risks in mergers & acquisitions. Uncover essential tips for managing liabilities & protecting your company. Articles Managing Cyber Security During a Merger or Acquisition During a merger or acquisition, cybersecurity is, unfortunately, often put on the back burner. VIEW MORE Mergers Connect with our Team of Experts Today!

Manufacturing Industry Tailored insurance and risk management solutions crafted for today's competitive manufacturing market. In a world marked by supply chain optimization, technology advancements, and skilled labor shortages, protecting your manufacturing operations has become increasingly more complex. The Cottingham & Butler Manufacturing Practice offers a dedicated focus on risk control, seamless claim services, and comprehensive coverage expertise, delivering a holistic approach to managing the inherent risks faced by today's manufacturers. Your Trusted Source for Comprehensive Manufacturing Insurance Solutions Manufacturing Coverages Auto Cyber / Network security Environmental liability General / Product liability International / Foreign Management liability (D&O, EPL, Fiduciary) Manufacturers errors & omissions Ocean marine / Transit Property Stock Throughput Umbrella / Excess Workers' compensation Manufacturing Services Catastrophic Exposure Modeling Claims Advocacy Claims Reviews Contract Review Contractual Risk Transfer Consulting Dedicated Service Team Experience Modification Factor Reviews Online Insurance Application Management Program/Limit Benchmarking Same Day Certificates of Insurance (COIs) Self-Issued COIs Manufacturing Programs Aggregate deductibles Captives Member owned group programs​ Single parent 831(b) Guaranteed cost Horizon (Proprietary program) Large deductibles Retrospective rating plans Featured Expertise Empower Your Manufacturing Business Did you know that manufacturing businesses face an average of $1.2 million in losses annually due to operational inefficiencies and risks? In today's manufacturing landscape, every decision counts. Imagine a future where your operational costs are minimized, your workforce thrives in a safe environment, your contracts provide ironclad protection, and your cybersecurity defenses effectively ward off threats. This future is within reach, and it starts with taking that first step towards knowledge and awareness using our SMART Diagnostic Programs. CONTACT US FOR A FREE CONSULTATION Why Captive Insurance is the New Competitive Edge In today's fiercely competitive world, every edge matters. But are you overlooking a hidden opportunity to reduce costs, gain control, and unlock the true potential of your insurance? Say hello to Captive Insurance - the game-changing risk management strategy that’s no longer reserved for industry giants. It's rapidly becoming the secret weapon for forward-thinking manufacturers like you. ​ Explore captive insurance benefits with our Cottingham & Butler team of experts. LEARN MORE ABOUT OUR TAILORED CAPTIVE SOLUTIONS Specialized Manufacturing Niches Wood Products Metalcasting Metal Products Printers & Publishers Clothing Plastic Products Chemical Auto & Machinery Discover our expertise, innovative risk solutions, and track record of delivering results for our clients. DOWNLOAD OUR MANUFACTURING BROCHURE Manufacturing Insight & Impact 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 Connect with a Manufacturing Expert!

Navigating Compliance with Confidence We empower you to navigate complex compliance environments confidently, freeing up your energy to drive business growth. CONNECT WITH OUR TEAM Benefits compliance errors can lead to costly penalties and disruptions. Our team, including on-staff compliance attorneys, helps you stay ahead of regulations, minimizing risk and ensuring a smooth benefits experience for your employees. Compliance Updates Get the Latest Updates & Expert Guidance. Staying on top of ever-changing benefits regulations can be a challenge. Even minor missteps can result in hefty fines, employee frustration, and operational disruptions. Let us help you navigate the complexities of compliance with ease. VIEW LATEST COMPLIANCE NEWS Articles PCORI Fee Amount Adjusted for 2024 The IRS has issued Notice 2023-70, increasing Patient-Centered Outcomes Research Institute (PCORI) fee amounts. Articles EEOC Significantly Increased Discrimination Lawsuits in FY 2023 EEOC's FY 2023 saw a 50% surge in discrimination lawsuits, including landmark cases. Articles Health Plans Must Submit Gag Clause Attestations by December 31, 2023 Gag clauses limit health plans/insurers from sharing certain data with others. Articles Voluntary Life Evidence of Insurability Rules and Benefits Administration Challenges The benefit plan feature with the greatest opportunity for incorrect administration is Voluntary Life Evidence of Insurability rules (EOI). Benefits Compliance Services Navigate State & Federal Legislation Identify potential risks of penalties and lawsuits due to non-compliance. Welfare Strategic Planning Develop multi-year strategic plans to ensure compliance with DOL, HHS, and IRS regulations. ERISA Compliance & Guidance Follow an annual federal disclosure compliance calendar, inclusive of employee notices, guides, timelines, and checklists to maintain adherence. Internal Revenue Code Expertise Receive guidance on IRC 125/cafeteria plans, health benefits, and relevant tax rules concerning employee benefit plans. ACA Compliance and Resource Support Access educational materials, timelines, sample employee letters, forms, notices, and waivers for ACA mandates, reporting, penalties, and taxes. Streamline COBRA Administration Efficiently manage COBRA administration, ensuring compliance and smooth transitions for employees during benefit changes. Accurate 5500 Filings Handle precise and timely Form 5500 filings, providing accurate documentation for regulatory compliance. Expertise in HSA, FSA, HRA Management Oversee and optimize HSA, FSA, and HRA management, tailoring solutions to maximize benefits and tax advantages for your organization and employees. Compliance Insights Articles PCORI Fee Amount Adjusted for 2024 The IRS has issued Notice 2023-70, increasing Patient-Centered Outcomes Research Institute (PCORI) fee amounts. Articles EEOC Significantly Increased Discrimination Lawsuits in FY 2023 EEOC's FY 2023 saw a 50% surge in discrimination lawsuits, including landmark cases. Articles Health Plans Must Submit Gag Clause Attestations by December 31, 2023 Gag clauses limit health plans/insurers from sharing certain data with others. VIEW MORE Compliance Connect with our Employee Benefits Team!