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

  • Exchange Troubles? August 24, 2016
    With 2 months to go before the next Affordable Care Act (ACA) open enrollment period begins, insurance carriers continue to experience significant losses and are seeking double digit rate increases across the board.  But that’s the good news.  Things just got worse.   Aetna is the latest national carrier to scale back their exchange offerings.  Beginning in […]
    Michael Gomes
  • Critics of Amendment 69 August 16, 2016
    The Amendment 69 ballot question facing Colorado voters in November is inspiring many political and business leaders to voice criticism of the plan. The controversial amendment proposes a huge new tax burden on workers, families and businesses, cancels all private health insurance plans in the state and would create a new bureaucracy to control and manage th […]
  • How Satisfied Are Consumers with the ACA? August 10, 2016
      With both political conventions concluded, many experts were surprised that the Affordable Care Act (ACA) appeared to be mostly an afterthought and was rarely brought up in any of the major prime time speeches.  Are Americans satisfied with their ACA experiences are or are they growing tired of complaining about it? read more
    Michael Gomes
  • Amendment 69 Would Destroy Colorado's Vibrant Economy August 2, 2016
    It’s no secret that Colorado is a great place to live and do business. The state has enjoyed continuous business growth and low unemployment thanks to a strong and diverse economy, a skilled workforce and outstanding quality of life. But Amendment 69 threatens to bring this vibrant growth to a halt. The amendment on the November 8 general election ballot wou […]
  • Amendment 69 - Unhealthy for Colorado Business July 19, 2016
    When Coloradans go to the polls this November, they’ll face a decision on an issue that could have a greater effect on their everyday lives than anything else on the ballot. No, not the presidential election, but Amendment 69, or ColoradoCare a government-run, single-payer health care system fueled by $25 billion in new taxes in the first year alone. To put […]