Risk Management

The risk management partner schools trust. Since 1982.

For more than a quarter century, the North Carolina School Boards Association (NCSBA) has been the primary and trusted risk management partner of North Carolina schools through the North Carolina School Boards Trust (NCSBT).

NCSBT responds to the unique needs of school districts with its member-funded, member-managed risk management programs for errors & omissions/general liability and automobile/inland marine coverages. These programs are designed specifically for North Carolina school districts. 

Additionally, a variety of other coverages are available through NCSBA’s endorsed insurance programs including student athletic & accident, boiler & machinery, adult volunteer accident, and workers’ compensation.

While our services rival those of any insurance company, our mission to provide risk management services and protection for only schools sets us apart. Unlike for-profit insurance companies that lure districts with initial low rates that steadily increase over time, our not-for-profit structure allows our members to consistently enjoy excellent service at stable, competitive prices. At NCSBT, the focus is on finding the appropriate risk management services and protection for our members, not looking for ways to avoid paying claims.

Our knowledgeable, accessible staff is always willing to answer questions or assist members with issues that may arise in the area of risk management.  We value the relationships that we have developed with our members over the years, and we look forward to continuing to serve school risk management needs.