Associated School Board Protective Trust

We strive to provide the best coverage and service to our members while keeping costs affordable.

What makes ASB a great choice?

We can work with your school district to design, structure, and administer a benefits plan that includes, health coverage, life insurance, disability, wellness programs, retirement plans, and much more.


A combination of strategic planning, creative benefit design, and financial management to produce a package with optimized benefits at an affordable cost. The plan is very flexible and can be tailored to fit each school district in South Dakota.


Plan provide broad, stable, and growing coverage with limited exclusions. This allows Districts to purchase the broadest coverage available at reasonable prices. The balanced program can withstand fluctuations in the insurance market pricing cycles.

Workers' Comp

Associated School Boards Protective Trust’s most successful and competitive program available to districts. Control over claims handling, loss control and administration will assure the members of quality consistent service.

Benefits of the Trust

  • Shared risk between similar entities, resulting in equitable rating
  • Membership-Driven and governed cooperative, not an insurance company
  • Comprehensive coverage that encompasses the many needs of members with fewer exclusions
  • School Districts utilizing workers’ comp coverage can extend coverage to school board members at no additional cost to the district

Health Care News

  • Carrier Consolidation – An Update October 7, 2016
    Despite all the attention these last few month’s focusing on the Presidential election and the upcoming open enrollment season – activity continues around a number of large insurance carrier mergers. As background, Cigna has agreed to be acquired by Anthem Inc. and Aetna is in the process of acquiring Humana.  Both transactions are currently being blocked by […]
    Michael Gomes
  • United against Amendment 69 September 27, 2016
    In November, Coloradans will vote on Amendment 69, also known as ColoradoCare. This amendment would eliminate private health insurance coverage and mandate the state to launch a sweeping, government-run health care program with: An unfair tax burden on workers, families and businesses. An unknown board of trustees in charge of your health, with little to no […]
  • The Presidential Election and the ACA September 19, 2016
    Election day is rapidly approaching bringing to a close one of the most unique Presidential elections in history.  As we get closer to November 8th, many are looking at what either a Clinton or Trump Presidency might look like relative to its impact on the Healthcare Industry.  read more
    Michael Gomes
  • Amendment 69 Makes Things Hazy For Your Clients September 13, 2016
    The sweeping health care scheme on the November ballot in Colorado provides few details on how the plan would take shape – and leaves voters with little clarity. As a broker, you are probably aware that Amendment 69 would virtually eliminate the health insurance business in Colorado. But the proposed legislation is vague and raises many questions. Let’s take […]
  • 2017 Individual Premiums – How High? September 7, 2016
    We’ve been talking for months about how high premiums might rise in 2017 - but we never expected to see prices as high as what has been released.  I guess the concept of the “Affordable” Care Act (ACA) is still a dream for many.  Although not every state has yet to be finalized, it appears the average increase will be well into double digits and increases ab […]
    Michael Gomes