[SchoolFinance] Insurance

[Krol, Gabrielle]

Very much so.  Thank you

On Fri, Feb 6, 2026 at 1:26 PM Andrea Disch <adisch at msad11.org> wrote:

> 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
> <https://www.google.com/maps/search/150+Highland+Avenue+%C2%A0+%E2%80%A2+%C2%A0+Gardiner,+Maine%C2%A004330?entry=gmail&source=g>
>
> <https://www.google.com/maps/search/150+Highland+Avenue+%C2%A0+%E2%80%A2+%C2%A0+Gardiner,+Maine%C2%A004330?entry=gmail&source=g>
> •
> <https://www.google.com/maps/search/150+Highland+Avenue+%C2%A0+%E2%80%A2+%C2%A0+Gardiner,+Maine%C2%A004330?entry=gmail&source=g>
>
> <https://www.google.com/maps/search/150+Highland+Avenue+%C2%A0+%E2%80%A2+%C2%A0+Gardiner,+Maine%C2%A004330?entry=gmail&source=g>Gardiner,
> Maine 04330
> <https://www.google.com/maps/search/150+Highland+Avenue+%C2%A0+%E2%80%A2+%C2%A0+Gardiner,+Maine%C2%A004330?entry=gmail&source=g>
>
>
>
> 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
>>> <https://www.google.com/maps/search/486+Turner+Center+Road+Turner,+ME+04282?entry=gmail&source=g>
>>> Turner, ME 04282
>>> <https://www.google.com/maps/search/486+Turner+Center+Road+Turner,+ME+04282?entry=gmail&source=g>
>>> 207-225-1006
>>>
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