As your trusted partner, we'll help determine the most appropriate risk transfer option. Together we will discuss your alternatives and develop a custom solution based on your risk level, size and business type. You can be confident that you are headed in the right direction. Whether it is guaranteed cost programs, self-funding, large deductibles or captives, we will take the mystery out of choosing the right coverage to protect your assets.

If we decide that a guaranteed cost program is the right option, you can be confident that we have access to the leading carriers. We have a unique ability to provide more options and solutions than others and our relationships with leading carriers will provide you with a competitive advantage for your insurance needs.

We are also leaders in the alternative risk marketplace. Having been in the captive business for over 13 years and the sole brokers for 5 captives, demonstrates our unsurpassed expertise. We serve more than 100 companies in group captives and reward them for their efforts in reducing and controlling risk. Our renewal retention rate of 99% proves that our client satisfaction is second to none. With integrated claims and safety management, you'll see why Cottingham & Butler Risk Management is a step ahead of the rest in insuring your future.