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

  • Ever heard of an Employer Health Reimbursement Arrangement (QSE HRA)? December 19, 2016
    Ever heard of an Employer Health Reimbursement Arrangement (QSE HRA)? This new form of HRA is designed to specifically allow small groups, those that do not have 50 FTE, to pay for individual health insurance premiums for their employees. The new rules surrounding the Employer Health Reimbursement are complicated and they are set to go into effect January 1, […]
    Misty Baker
  • Things are Heating Up in Trump Tower November 29, 2016
    Things are heating up in Trump Tower, and everybody is watching. As President-elect Trump starts selecting his cabinet, there are some interesting picks to the “dream team” for President-elect Donald Trump. He named a vociferous Obamacare critic and an Indiana policy consultant to help him overhaul the U.S. healthcare system. Republican Rep. Tom Price, an or […]
    Misty Baker
  • NJ Re-Adoption of the Small Employer Rules for 2017 November 3, 2016
    There are a few important parts of this re-adoption that you need to be aware of as they will affect your business... 1. The definition of an Employee has changed to the following: Employee means an Employee of the Policyholder under the common-law standard as described in 26 CFR 31.3401(c)-1.  A common-law employee is one who receives a W2.  An individual a […]
    Misty Baker
  • 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 […]