Programs & Services

Liability


The Liability program was established to provide coverage for bodily injury, property damage, personal injury, errors and omissions, and employment practices. Claims are administered in-house. The pooled coverage limit, per occurrence, is $1,000,000 with excess coverage through a combination of pooling and reinsurance.

Workers' Compensation


The Workers’ Compensation program was established to provide coverage for Workers’ Compensation and Employers Liability claims. Claims are administered in-house. The pooled coverage limit is $500,000 with excess coverage through a combination of pooling and reinsurance.

In addition, MPA offers its members the Work Alternative Program (WAP). This program provides workers’ compensation coverage to members who utilize workers through Contra Costa County’s Work Alternative Program.

Loss Control


The Loss Control program was brought in-house and is dedicated to the prevention of injury and illness to the members’ employees. Examples of services provided include: Loss Control Committee meetings, Model Safety programs, Regional Safety Workshops, Law Enforcement Accident Prevention programs, In-house Video Training Library, Web-based Training, Risky Business Newsletter, and Ergonomic Evaluations

Property


The Property program provides all-risk, boiler and machinery and DIC (earthquake and flood) coverage, and is a group purchased program.

Vehicle


The Vehicle program was established and provides comprehensive and collision coverage for licensed vehicles and attached equipment owned and/or leased by the member. The pooled limit of coverage is $250,000, and vehicles are insured for ‘actual cash value’.

Short Term & Long Term Disability


The disability program was established and provides short term and long-term disability coverage. The short-term disability program is self-funded and covers claim payments and administrative costs for the first 90 days of disability, less the employer’s waiting period. The long-term disability program is fully insured and covers disabilities going beyond the 90-day period.

Life & AD&D


The Life and AD&D program was established and provides Basic Life and AD&D coverage. The coverage was later converted to a fully insured program.

Dental


The Dental program was established and provides Dental coverage. The coverage was later converted to a fully insured program.

EAP


The EAP program was established to provide employees assistance with various issues.

Wellness


The Wellness program was established to provide education to the members’ employees on health related issues and annual screenings for various health related risks.