[SchoolFinance] Insurance

[Andrea Disch]

Hello,

We have experienced a similar pattern to Hollis with respect to premium
increases.

MSAD 11 transitioned from Kyes to Cross Insurance after Cross undercut Kyes
by a significant margin. In the years that followed, the district
experienced sizeable annual increases, consistent with what others have
reported.

In addition to the premium increases, we frequently encountered challenges
related to claims and administration. We also did not experience the same
level of customer service that we had previously received from both Kyes
and, prior to that, MSMA.

Two years ago, MSAD 11 went out to bid for insurance coverage. Ultimately,
the district elected to move forward with an alternative option, even
though it resulted in an additional cost of approximately $20,000, rather
than continue with Cross.

I hope this information is helpful.

Andrea


Andrea Disch

Business Manager


Maine School Administrative District No. 11
150 Highland Avenue • Gardiner, Maine 04330



207-582-5346

*aDisch at msad11.org <aDisch at msad11.org>*

*www.msad11.org <http://www.msad11.org>*





On Fri, Feb 6, 2026 at 10:04 AM Krol, Gabrielle <gabrielle.krol at msad52.org>
wrote:

> Good Morning,
>
> I am sending this out one more time in hopes of getting a few more
> responses for information to take back to my board.
>
> Our board is interested in understanding which districts have switched
> from or to MSMA for insurance over the last several years and what the
> increase or decrease in your premiums has been as a result.  They are
> interested in learning that if the change has resulted in lower costs
> regardless of the company you have switched to/from. Also, any pros/cons
> you are willing to share.
>
> I am hoping to get the name of your carrier and what that overall
> increase/decrease was.
>
> Hope everyone has a wonderful weekend!
>
> On Tue, Jan 27, 2026 at 7:41 AM Krol, Gabrielle <gabrielle.krol at msad52.org>
> wrote:
>
>> Good Afternoon,
>>
>> Our board is interested in understanding which districts have switched
>> from or to MSMA for insurance over the last several years and what the
>> increase or decrease in your premiums has been as a result.  They are
>> interested in learning that if the change has resulted in lower costs
>> regardless of the company you have switched to/from. Also, any pros/cons
>> you are willing to share.
>>
>> I am hoping to get the name of your carrier and what that overall
>> increase/decrease was.
>>
>> I appreciate your time with this- insurance is a heavy lift for our
>> districts and the time it takes to go to bid is quite a commitment.
>>
>> We have been extremely happy with our insurance with MSMA, however the
>> board does not work directly with them so they want to make sure the cost
>> is appropriate.
>>
>> Thanks so much!
>> Gabby
>>
>>
>> --
>> Gabrielle Krol
>> Business Manager
>> MSAD 52
>> 486 Turner Center Road
>> Turner, ME 04282
>> 207-225-1006
>>
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