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The two general types of cooperative strategies are
Insurance Policies
Contracts between an insurer and a policyholder that outline the terms and conditions under which the insurer agrees to pay compensation for specified losses, damages, illness, or death in return for premiums paid by the policyholder.
Independent Contractor
An individual or entity contracted to perform work for or provide services to another entity as a non-employee.
Employee
An individual who performs work under the direction and control of an employer in exchange for compensation.
Reasonable Skill
The level of competence that one can expect from a person with the standard abilities and knowledge in a particular field.
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