Alliance of Schools for Cooperative Insurance Programs

What Alliance of Schools for Cooperative Insurance Programs does

ASCIP (Alliance of Schools for Cooperative Insurance Programs) is a non-profit, member-owned cooperative risk pool that provides Property & Liability, Workers' Compensation, and Health Benefits insurance coverage exclusively to California public K-12 school districts. The organization operates a three-pillar product structure: a Property & Liability program covering real and personal property, general liability, auto liability, errors and omissions, employment practices liability, cyber liability, and childhood sexual assault; a Workers' Compensation program featuring in-house claims oversight with member choice between two Third Party Administrators (Athens Administrators and Sedgwick), a Medical Provider Network, and return-to-work programs; and a Health Benefits program combining self-funded pools (Anthem, Blue Shield, Delta Dental, VSP) with fully-insured pools (Kaiser, UnitedHealthcare), supplemented by Navitus for pharmacy benefits, Voya for life and disability, and Alight for Claims Concierge services.

Revenue mechanics are subscription/recurring in nature: member districts contribute to self-funded pools at customized rates that blend district-specific and pool-wide trends, while fully-insured pools are negotiated with carriers using ASCIP's combined purchasing power. Additional optional programs (ASCIP-B Boosters, ASCIP-B Foundations, Storage Tank, Builders Risk, Student Accident) extend coverage to district auxiliary organizations. ASCIP invests 5–7% of premium expense in risk services including safety/loss control, training, and risk management consultation, and reports 10 years of renewal rate stability.

Distribution is direct-to-member through a member portal that supports certificate of insurance requests, vehicle/property add/drop, claims reporting, and access to a proprietary Learning Management System (ASCIP E-Learning) launched in 2025. The organization operates from a new headquarters in Cerritos, CA (opened July 2025) and a regional claims office in Sacramento. Marketing occurs primarily through the company website, LinkedIn, email newsletters, member training events (including SB390 Campus Security Training), and the member LMS — with no resellers, brokers, or external distributors. The organization is privately held by its member districts, has no parent company, no funding rounds, and no disclosed AI or proprietary technology beyond its member portal and LMS.

Name

Alliance of Schools for Cooperative Insurance Programs

Legal name

Alliance of Schools for Cooperative Insurance Programs

Website

https://ascip.org

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

11–50 employees

Short description

ASCIP is a non-profit, member-owned cooperative risk pool providing Property & Liability, Workers' Compensation, and Health Benefits insurance exclusively to California public K-12 school districts through self-funded and fully-insured pools with in-house claims management.

Ownership category

akta.pro rank

Headquarters

HQ city

Artesia

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Others, Marketing or Sales, Technology or R&D

Revenue model

1. Risk Pool Contributions: Member school districts pay into the self-funded pools (Property & Liability, Workers' Compensation, Health Benefits) based on customized rates that blend district-specific trends with overall pool trends. ASCIP also negotiates with insurance carriers for fully-insured pools using combined purchasing power.
2. Group Purchase Insurance Programs: Optional group purchase programs such as ASCIP-B (Booster clubs), ASCIP-B Foundations, and Storage Tank Coverage provide liability coverage at negotiated rates for member district auxiliary groups.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

ASCIP is a non-profit, member-owned cooperative insurance risk pool that provides Property & Liability, Workers' Compensation, and Health Benefits coverage exclusively to California public school districts. Member districts pool their risk through customized rates that blend district-specific trends with overall pool trends, and benefit from in-house claims management, risk services, training, and a member Learning Management System delivered at no additional cost.

Product overview

ASCIP is a non-profit, member-focused cooperative insurance pool serving California school districts. The organization offers three core insurance programs: Property & Liability (covering property, liability, cyber, auto, crime, and childhood sexual abuse), Workers' Compensation (with in-house claims management and TPA options), and Health Benefits (medical, dental, vision, life/disability pools with multiple carrier partners including Anthem, Blue Shield, Kaiser, UnitedHealthcare, Delta Dental, and VSP). Additional offerings include a Learning Management System (LMS) for member training, Student Accident Coverage, ASCIP-B Boosters/Foundations for auxiliary organizations, Storage Tank Coverage, and Builders Risk Coverage. The programs are designed specifically for school districts with claims management, risk services, and training delivered in-house at no additional cost to members.

Differentiator

Problem solved

Functional benefit

Products and services

• Property & Liability Program Provides broad and comprehensive first-party and third-party coverage for California school district members, including real and personal property (buildings, equipment, EDP, fine art, mobile equipment, Mechanical Breakdown), General Liability, Auto Liability, Errors & Omissions, Employment Practice Liability, Childhood Sexual Assault, Cyber Liability, Auto Physical Damage, and Comprehensive Crime.
• Workers' Compensation Program Workers' compensation coverage for California school district members with expert in-house claims oversight, Third Party Administrator options (Athens Administrators or Sedgwick), Medical Provider Network (MPN), return-to-work programs, and medical management including pharmacy benefit management, utilization review, and case management.
• Health Benefits Program Self-funded and fully-insured health benefits pools for member districts offering medical (Anthem, Blue Shield, Kaiser, UnitedHealthcare), dental (Delta Dental, DeltaCare), vision (VSP), life & disability (Voya Financial), prescription drug (Navitus), and additional services including Claims Concierge, Mental Health Care Coordination, Social Security Alternative Plans (SSAP), Deferred Compensation, FSA, and COBRA administration.
• Student Accident Coverage Enhancement to General Liability coverage designed to assist with medical expenses related to accidents occurring on District sites or at District-sponsored events. Administered by A-G Administrators.
• ASCIP-B Boosters Optional group purchase insurance program providing liability coverage for booster clubs and auxiliary groups supporting district educational or extracurricular programs. Features $0 deductible for General Liability and $1,000,000 coverage limits.
• ASCIP-B Foundations Optional group purchase insurance program providing liability coverage for foundations formed to support district educational or extracurricular programs, underwritten by OneBeacon Insurance Company, with $1,000,000 each for Third Party Physical Damage and General Liability.
• ASCIP-S Storage Tank Coverage Optional group purchase policy providing coverage for third-party claims and first-party remediation costs for storage tanks, meeting state mandate for establishing financial responsibility.
• Builders Risk Coverage Insurance covering property losses during construction projects, including renovations, new construction, and modernization for member districts.

Quantifiable outcome

• Renewal rate stability over the last 10 years
• +3 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

18 partnerships are on record, tiered core, supporting and minor.

• Athens AdministratorscoreImplementation/ SI/ Consulting PartnerThird Party Administrator for Workers' Compensation claims handling with life-of-claim services. Provides dedicated indemnity adjusting staff assigned by school district with specialty handling areas including Claim Resolution Specialists, Future Medical Adjuster, and Medical Only Adjuster. Phone: (925) 826-1112.
• SedgwickcoreImplementation/ SI/ Consulting PartnerThird Party Administrator for Workers' Compensation claims handling with life-of-claim services. Partners with ASCIP's Medical Provider Network (Wellcomp). Phone: 909-942-5464.
• Anthem Blue CrosscoreOthersSelf-funded Anthem medical PPO pool offered through ASCIP Health Benefits program.
• Blue Shield of CaliforniacoreOthersSelf-funded Blue Shield HMO & PPO medical pool offered through ASCIP Health Benefits program.
• Kaiser PermanentecoreOthersFully-insured Kaiser medical plan offered through ASCIP Health Benefits. 5-year average rate change of 6.90%.
• United HealthcarecoreOthersFully-insured United Healthcare medical plan offered through ASCIP Health Benefits. 5-year average rate change of 6.70%.
• NavitussupportingTechnology or IntegrationPharmacy benefit manager (PBM) providing pharmacy benefit management for ASCIP's medical plans.
• Delta DentalcoreOthersSelf-funded Delta Dental PPO pool offered through ASCIP Health Benefits program.
• DeltaCaresupportingOthersDeltaCare HMO dental plan offered as an option within ASCIP Health Benefits.
• Vision Service Plan (VSP)coreOthersSelf-funded VSP Vision PPO pool offered through ASCIP Health Benefits program.
• Voya FinancialsupportingOthersLife & Disability insurance products offered through ASCIP Health Benefits including Life Beneficiary Designation and claims filing services.
• A-G AdministratorssupportingImplementation/ SI/ Consulting PartnerAdministers Student Accident coverage which is an enhancement to General Liability coverage designed to assist with medical expenses related to accidents on District sites and at District-sponsored events.
• AlightsupportingTechnology or IntegrationProvides Claims Concierge Services to help medical care consumers access information needed to make educated decisions about treatment options. Program is discounted or free based on participation in ASCIP's medical plans.
• Marsh & McLennansupportingOthersListed as a resource link for ASCIP members.
• P&A GroupsupportingOthersCOBRA and Retiree Billing administration partner providing services to ASCIP members at reduced fees based on participation in Health Benefits programs.
• NBS (National Benefit Services)supportingOthersProvides enrollment and change forms for ASCIP Health Benefits programs.
• OneBeacon Insurance CompanysupportingOthersProvides insurance coverage for ASCIP-B Foundations program ($1,000,000 each for Third Party Physical Damage and General Liability).
• Leadership Public SchoolsminorChannel Partner/ Reseller/ DistributorHost venue for ASCIP's SB390 Campus Security Training events. Located at 8601 MacArthur Boulevard, Building 100, Oakland, CA 94605.

Scale indicators2 records

Recent moves7 records

Expansion highlights4 records

Direct peers

• Schools Insurance Authority: A California JPA risk pool serving school districts with multi-line coverage including property/liability and workers' compensation. Operates under the same member-owned cooperative structure as ASCIP, competing for the same California K-12 market.
• Self-Insured Schools of California (SISC): A California school district JPA focused on self-funded health benefits pooling. Closely comparable to ASCIP's Health Benefits program and competes for the same employee benefits procurement cycles.
• CSAC Excess Insurance Authority: A California public agency risk pool providing excess liability, property, and workers' compensation coverage to counties, cities, and special districts. Operates as a member-owned pool with overlapping lines of business to ASCIP for public entity members.
• Public Agency Risk Sharing Authority of California (PARSAC): A California JPA pooling property and liability coverage for small public agencies including school districts. Comparable risk-pooling model and target customer base to ASCIP.
• Schools Excess Liability Fund (SELF): A California JPA providing excess liability coverage specifically to school districts and community college districts. Comparable member-owned pool structure focused on the same K-12 customer segment as ASCIP.
• California Schools VEBA: A California school district pooled benefits trust providing health benefits and welfare programs for member districts. Comparable cooperative pooling model to ASCIP's Health Benefits program.

Regional players

• Ventura County Schools Self-Funded Insurance Authority: A regional California school district JPA offering workers' compensation and health benefits pooling for Ventura County districts. Similar cooperative structure but confined to a single county versus ASCIP's state-wide footprint.

Broad incumbents

• PRISM (Public Risk Innovation, Solutions, and Management): A large California multi-line risk pool serving cities, counties, special districts, and some schools. Comparable member-owned pooling model with broader public entity scope than ASCIP.
• Keenan & Associates: A large California insurance brokerage and consulting firm serving school districts and public agencies. Provides competing coverage placement and risk management advisory services to the same customer base as ASCIP.

Others

• California Association of Joint Powers Authorities (CAJPA): An industry association representing California JPAs including school district risk pools. Serves as the umbrella governance and accreditation body for entities operating in the same risk pooling category as ASCIP.

Market position

Strengths1 record

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/ascip

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Alliance of Schools for Cooperative Insurance Programs