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Trust Loyalty Credit—K12

The board of directors of the Trust, has approved continuation of the Trust Loyalty Credit (TLC) Program for 2021/2022. Since the TLC began in 2010, the Trust has returned $49.7 million to members.

For this year’s program, members have the opportunity to receive up to 5% of their 2021/2022 contribution as a loyalty credit. Receipt of the credit can occur through: (1) deduction from the member’s contribution; (2) check; (3) deposit to a pre-paid account; or (4) deposit to a Trust Investment Pool account.

As preliminary requirements, any member wishing to be eligible for the loyalty credit would need to:

  • participate in the Trust core coverages (both property and liability);
  • have maintained membership in the Trust for three consecutive years (2019/2020, 2020/2021, and 2021/2022);
  • have made a timely payment of the district’s 2021/2022 contribution; and
  • continue membership for the 2022/2023 policy year.

This year, as in previous years, there are two TLC tiers. Districts may qualify for either or both tiers.

Tier qualifications are as follows:

Tier 1 (2%)

In order to qualify for a 2% credit, members would need to maintain an average three-year loss ratio of 80% or less for the period from July 1, 2019 to May 31, 2022.

Tier 2 (3%)

Tier 2 requirements for K−12 members. Members may complete any of the following items by May 31, 2022 to qualify for a maximum of 3% back to the district.

  • (1%) viewing of Vector Solutions, K12 addition online courses and passage of the corresponding quizzes by at least 20% of the district’s full-time equivalent employees;
  • (1%) attending a transportation Leadership in Training course;
  • (1%) submitting the district’s emergency operations plan (EOP) to the Trust for review and a follow-up discussion;
  • (1%) attending one of the following Risk Management Summits, either in-person or via webinar:
    • November 5, 2021 Loss Control Summit; or
    • February 11, 2022 Liability Risk Management Summit.
  • (1%) conducting a cyber-phishing and training campaign;
  • (1%) providing proof of an air gap backup (to protect against ransomware);
  • (1%) attending all of the Trust property-related webinars—topics include:
    • roof damage and roof inspections;
    • Trust premise inspection findings (e.g., chemical lab signage, kitchen safety protocols, etc.); and
    • water intrusion and mitigation.
  • (1%) participating in the June 2021 or October 2021 Trust Leadership Academy.

Below is additional information on the various options under Tier 2.

Viewing Vector Solutions, K12 addition online courses

The Trust maintains a partnership with Vector Solutions to offer a number of online courses to members on a variety of topics. The purpose of the partnership is to provide streaming education resources to district staff, with the intent of addressing some of the most common claims reported to the Trust. Members should contact Vector Solutions at 1.800.434.0154 to get started.

To qualify for this item, at least 20% of the district’s full-time equivalent employees must view at least one training course and pass the corresponding quiz. The courses available to members through the Trust’s partnership with Vector Solutions are listed here. If the district has purchased additional courses from Vector Solutions, these would also count toward the requirement.

Attending a transportation Leadership in Training course

The Leadership in Training (LIT) program is geared toward transportation professionals and offers training on key transportation topics, guidelines, and safety best practices. Specific information about available courses will be provided prior to the course dates.

To qualify for this item, the district must have a representative attend one of the LIT classes during 2021/2022. Currently, the classes are scheduled as in-person sessions but may be changed to virtual classes.

Submitting the district’s emergency operations plan (EOP) to the Trust for review and a follow-up discussion

School districts are required by Arizona Revised Statute 15-341 (A) (31) to have an EOP that meets minimum requirements set by the Arizona Department of Education (ADE) and the Arizona Division of Emergency Management. The ADE updated the minimum requirements and provided a new, optional EOP template in 2019.

To qualify for this item, the district must submit a copy of an EOP for their district or one of their school sites for review by January 7, 2022. An individual from the district then must meet with the Trust Emergency Management Department either in-person or virtually to discuss findings from the review. This must be completed by May 31, 2022.

Attending the Risk Management Summit

Trust Risk Management Summits (RMS) are day-long training sessions designed to help educate members on safety and liability issues currently facing Arizona schools.

This year, we are providing two summits through which members may meet this qualification:

  • November 5, 2021 Loss Control Risk Management Summit (intended for maintenance and facilities personnel); and
  • February 11, 2022 K-12 Risk Management Summit (intended for K-12 CFOs, superintendents, risk managers, HR directors, etc.).

To qualify for this item, an employee from the district must attend either of these summits.

Conducting a cyber-phishing and training campaign

The cyber phishing and training solution offered by the Trust allows members to test and train their users on how to detect and respond to phishing emails. The Trust will work with members to coordinate a phishing email campaign on the date and cadence of the member’s choosing. The Trust will monitor how many people were successfully phished and provide this report to the member for review.

Following the email phishing phase, a variety of online training programs are available to assist the member in teaching users the proper actions to take to detect and respond to unwanted phishing emails.

To qualify for this item, the district must either work with the Trust on a phishing campaign or provide proof of conducting the campaign if another phishing service was used.

Providing proof of an air gap backup

An air gap backup review will ensure that Trust members have the capability of separating or turning off a backup device from the member network. During the course of a Ransomware attack any host on the network could be compromised by this malware.

The Trust chief information security officer (CISO) will review the member's current backup and restoration procedure to determine if the backup process includes things such as:

  • password protecting backup archives;
  • removal of backup media from the network and;
  • secondary and tertiary backup archives that are part of a 3-2-1 backup strategy.

To qualify for this item, the district must either work with the Trust’s CISO as outlined above, or provide a completed air gap backup questionnaire.

Attending all of the Trust property-related webinars

The Trust will be facilitating three property-related webinars—topics include:

  • roof damage and roof inspections;
  • Trust premise inspection findings (e.g., chemical labs, art rooms, kitchen safety, etc.); and
  • water intrusion prevention and mitigation.

Recordings of the webinars will be available for members who are unable to participate in the live sessions. Registration information will be provided prior to the webinar dates.

To qualify for this item, an employee must attend all three webinars, or view the recorded webinars on the Trust website.

Participating in the Trust Leadership Academy

The Trust Leadership Academy is a conference at which participants learn about school-related legal risks from education experts and Arizona’s foremost education attorneys. The Academy is held twice during the year: June 2021 and October 2021.

To qualify for this item, an employee from the district must attend one of the two virtual academies.