How are rising trucking insurance costs quietly driving up your shipping rates and overall freight market pricing? In this episode, Chris Loewenberg from Cottingham & Butler get real about trucking insurance, risk management, and why so many companies treat insurance like a fixed tax instead of a controllable business asset that can either protect or bankrupt your operation!

From the dangers of static COIs and the urgent need for real-time insurance verification technology, to the impact of nuclear verdicts, new carriers, and rising insurance premiums on shipping costs and inflation, this conversation is all about practical freight brokerage insights and proactive strategies.

We also cover how partnering with specialized trucking insurance providers, building stronger safety programs, and collaborating early with insurance partners can reduce uncovered freight risk, improve pricing, and give compliant carriers and brokers a serious competitive advantage in today's trucking industry!

About Chris Loewenberg

Chris Loewenberg is a Vice President at Cottingham & Butler, the nation's largest independent insurance agency dedicated exclusively to the trucking industry. He leads inside sales and technology initiatives focused on small and mid-sized fleets, helping carriers navigate rising insurance costs, increasing complexity, and tighter underwriting scrutiny.

With a background that blends sales leadership, insurance expertise, and technology innovation, Chris works at the intersection of trucking operations, risk management, and data strategy. He partners closely with leading technology vendors across the transportation ecosystem to improve how insurance information is collected, validated, and used—reducing manual re-keying, accelerating quote turnaround times, and strengthening trust between carriers, agents, underwriters, and technology providers.

In addition to his leadership role, Chris oversees and helps develop Cottingham & Butler's intern and early-career talent programs, working closely with universities and athletic departments to introduce students to sales, insurance, and risk management careers. He is passionate about mentoring young professionals, building high-performing teams, and creating clear development paths from internship to full-time roles.

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