Background
Each year, the Trust and Alliance offer programs allowing districts to earn credits through the Trust Loyalty Credit (TLC) and Alliance Loyalty Credit (ALC) programs. Since the inception of the TLC in 2010, we have returned $64 million to our members. Similarly, since the ALC began in 2014, we have returned $12 million to our members.
For this year, members can earn up to 3% of their Trust contribution and 5% of their Alliance contribution from the 2025/2026 year by participating in various loss control and risk management measures. Click the links below for printable checklists.
For more specific information about the program requirements for this year, please see the tabs below.
Trust Loyalty Credit - K12
Preliminary requirements
- participate in the Trust core coverages (both property and liability);
- have maintained membership in the Trust for three consecutive years (2023/2024, 2024/2025, and 2025/2026);
- pay the district’s 2025/2026 contribution by September 30, 2025; and
- continue membership for the 2026/2027 policy year.
Requirements (max of 3)
- (1%) viewing of SafeSchools/Vector Solutions online courses and passage of the corresponding quizzes by at least 20 percent of the district’s full-time equivalent employees;
- (1%) attending at least one quarterly regional emergency preparedness consortium meeting;
- (1%) have a transportation level administrator attend a Transportation Leadership in Training course
- (1%) submitting an Emergency Operations Plan (EOP) for review;
- (1%) voluntarily validate the implementation of Multi-Factor Authentication (MFA) and Endpoint Detection and Response (EDR) cyber requirements;
- (1%) attending two facility workshops presented by the Trust Loss Control Department: Lunch & Learns, Facilities LIT, or roofing workshops;
- (1%) provide proof that the district completed the Trust's Prevention Gap Analysis for sexual abuse/molestation prevention and identified at least one follow-up step to improve the district's practices;
- (1%) attending one of the following Risk Management Summits, in person:
- November 2025 Loss Control Summit; or
- February 2026 Liability Risk Management Summit.
- (1%) attending one of the Trust Leadership Academies in October 2025 or June 2026.
For more details on the K-12 TLC requirements, click here.
Trust Loyalty Credit - Community College
Preliminary requirements
- participate in the Trust core coverages (both property and liability);
- have maintained membership in the Trust for three consecutive years (2023/2024, 2024/2025, and 2025/2026);
- pay the district’s 2025/2026 contribution by September 30, 2025; and
- continue membership for the 2026/2027 policy year.
Requirements (max of 3)
- (1%) viewing of SafeSchools/Vector Solutions online courses and passage of the corresponding quizzes by at least 20 percent of the district’s full-time equivalent employees;
- (1%) attending at least one quarterly regional emergency preparedness consortium meeting;
- (1%) have a transportation level administrator attend a Transportation Leadership in Training course;
- (1%) submitting an EOP (Emergency Operations Plan) for review;
- (1%) voluntarily validate the implementation of Multi-Factor Authentication (MFA) and Endpoint Detection and Response (EDR) cyber requirements
- (1%) attending two facility workshops presented by the Trust Loss Control Department: Lunch & Learns, Facilities LIT, or roofing workshops;
- (1%) attending the community college Risk Management Summit in November 2025;
- (1%) participating in all three sessions of the community college spring webinar series.
For more details on the Community College TLC requirements, click here.
Alliance Loyalty Credit
Preliminary requirements
- participate in the guaranteed cost program;
- have been a member of the Alliance for three consecutive years (2023/2024, 2024/2025, and 2025/2026);
- report 2025/2026 actual payroll to Alliance staff within 30 days;
- make all 2025/2026 contribution payments by August 1, 2026; and
- continue membership for the 2026/2027 policy year.
Tier 1 requirements
- (2%) maintain an average three-year loss ratio of 80 percent or less for the period from July 1, 2023 to June 30, 2026
Tier 2 requirements (max of 3)
- (1%) attending a loss-related webinar focused on preventing SPED-related injuries;
- (1%) proof of 80% compliance of staff trainings on slips, trips, and falls, blood borne pathogens, or back injury prevention through Vector Solutions;
- (1%) providing evidence of a return-to-work program and discussing the district’s program with Alliance staff;
- (1%) submitting an Injury Response Plan (IRP) for review by the Alliance Loss Control Department;
- (1%) participating in Arizona Department of Occupational Safety and Health (ADOSH) trainings focused on common injury types, including top Alliance losses; and
- (1%) attending one of the following Risk Management Summits (RMSs) in person:
- November 2025 Community College RMS;
- November 2025 Loss Control RMS; or
- February 2026 K–12 Liability RMS.
For more details on the ALC requirements, click here.
