About ASB Protective Trust

In 1982, members of the South Dakota Associated School Boards established the Associated School Boards Protective Trust (ASBPT). Formed as an unincorporated assessable association through a joint powers agreement, ASBPT was created by public K-12 school districts to support their insurance and risk management needs.

ASBPT is guided by a seven-member Board of Directors, each representing school districts that participate in one or more of the Trust’s insurance pools. These pools were developed to offer reliable, high-quality coverage tailored to the diverse needs of school districts across the state.

Today, ASBPT serves more than 100 member districts, prioritizing comprehensive coverage, dependable service, and cost-effective solutions. Working collaboratively with school districts, the Trust helps shape the design, structure, and administration of its three primary insurance programs:

Health Insurance
Property & Liability Coverage
Workers’ Compensation Coverage

Health Benefits & Statewide Network Access

Through the South Dakota School District Benefits Fund’s partnership with Wellmark Blue Cross and Blue Shield of South Dakota, school district employees have in-network access to every hospital and nearly all healthcare providers throughout the state—along with extensive nationwide provider access.

The available plan options are comprehensive, flexible, and continually evolving to ensure districts can offer the broadest possible coverage at fair and competitive rates.

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Property & Liability Protection

ASBPT provides school districts with property and liability coverage designed specifically for the risks and responsibilities associated with operating public schools. This coverage helps protect district facilities, equipment, staff, and students, ensuring educational environments remain safe and supported.

The program emphasizes:

Comprehensive property protection for buildings, contents, vehicles, and equipment
Liability coverage to safeguard districts against claims arising from daily operations, activities, and governance
Risk management guidance to help districts prevent losses before they occur

Through proactive planning, safety resources, and dedicated support, ASBPT helps districts manage exposure and maintain financial stability.

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Workers’ Compensation Support & Claims Assistance

ASBPT also assists school districts in managing on-the-job injury claims and supporting employees in safely returning to work. Members benefit from consistent, high-quality service administration, including assistance with:

Claims handling
Loss control strategies
Program oversight and support

This approach helps school districts maintain control, manage costs, and ensure the well-being of their workforce.

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