<div dir="ltr"><div>Hello,</div><div><br></div><div>Gorham changed from MMA to Cross Insurance/Liberty Mutual in 2018 and have seen pretty significant increases ever since. I noted two years with large increases due to additional square footage through a school expansion project. </div><div><br></div><div>One of the things I miss the most is MMA always held the premium rate during a year, even if we added insured value during the year. They would adjust for it in the next year, but never in the middle of the year. That is not the case now as I get adjustment invoices throughout the year when a change is made. Good luck, I hope this helps.</div><div><br></div><div><br></div><div><table border="0" cellpadding="0" cellspacing="0" width="784" style="border-collapse:collapse;width:589pt">
<colgroup><col width="73" style="width:55pt">
<col width="163" style="width:122pt">
<col width="181" style="width:136pt">
<col width="86" style="width:65pt">
<col width="85" style="width:64pt">
<col width="196" style="width:147pt">
</colgroup><tbody><tr height="18" style="height:13.5pt">
<td height="18" class="gmail-xl65" width="73" style="height:13.5pt;width:55pt;border-top:0.5pt solid windowtext;border-right:none;border-bottom:1pt solid windowtext;border-left:0.5pt solid windowtext;background:rgb(237,237,237);padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom">Fiscal
Year</td>
<td class="gmail-xl66" width="163" style="width:122pt;border-top:0.5pt solid windowtext;border-right:none;border-bottom:1pt solid windowtext;border-left:none;background:rgb(237,237,237);padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom">Carrier</td>
<td class="gmail-xl67" width="181" style="width:136pt;border-top:0.5pt solid windowtext;border-right:none;border-bottom:1pt solid windowtext;border-left:none;background:rgb(237,237,237);padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom"> Premium </td>
<td class="gmail-xl67" width="86" style="width:65pt;border-top:0.5pt solid windowtext;border-right:none;border-bottom:1pt solid windowtext;border-left:none;background:rgb(237,237,237);padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom"> $ Increase </td>
<td class="gmail-xl68" width="85" style="width:64pt;border-top:0.5pt solid windowtext;border-right:none;border-bottom:1pt solid windowtext;border-left:none;background:rgb(237,237,237);padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom">% Increase</td>
<td class="gmail-xl69" width="196" style="width:147pt;border-top:0.5pt solid windowtext;border-right:0.5pt solid windowtext;border-bottom:1pt solid windowtext;border-left:none;background:rgb(237,237,237);padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom"> </td>
</tr>
<tr height="17" style="height:12.75pt">
<td height="17" class="gmail-xl70" align="right" style="height:12.75pt;border-top:none;border-right:none;border-bottom:none;border-left:0.5pt solid windowtext;padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom">2026</td>
<td style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none">Cross/Liberty Mutual</td>
<td class="gmail-xl63" style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none"> $ 269,428.00 </td>
<td class="gmail-xl63" style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none"> $ 14,582.00 </td>
<td class="gmail-xl64" align="right" style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none">6%</td>
<td class="gmail-xl71" style="border-top:none;border-right:0.5pt solid windowtext;border-bottom:none;border-left:none;padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom"> </td>
</tr>
<tr height="17" style="height:12.75pt">
<td height="17" class="gmail-xl70" align="right" style="height:12.75pt;border-top:none;border-right:none;border-bottom:none;border-left:0.5pt solid windowtext;padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom">2025</td>
<td style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none">Cross/Liberty Mutual</td>
<td class="gmail-xl63" style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none"> $ 254,846.00 </td>
<td class="gmail-xl63" style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none"> $ 43,319.00 </td>
<td class="gmail-xl64" align="right" style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none">20%</td>
<td class="gmail-xl71" style="border-top:none;border-right:0.5pt solid windowtext;border-bottom:none;border-left:none;padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom">*Elementary school expansion</td>
</tr>
<tr height="17" style="height:12.75pt">
<td height="17" class="gmail-xl70" align="right" style="height:12.75pt;border-top:none;border-right:none;border-bottom:none;border-left:0.5pt solid windowtext;padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom">2024</td>
<td style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none">Cross/Liberty Mutual</td>
<td class="gmail-xl63" style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none"> $ 211,527.00 </td>
<td class="gmail-xl63" style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none"> $ 58,116.00 </td>
<td class="gmail-xl64" align="right" style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none">38%</td>
<td class="gmail-xl71" style="border-top:none;border-right:0.5pt solid windowtext;border-bottom:none;border-left:none;padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom">*Elementary school expansion</td>
</tr>
<tr height="17" style="height:12.75pt">
<td height="17" class="gmail-xl70" align="right" style="height:12.75pt;border-top:none;border-right:none;border-bottom:none;border-left:0.5pt solid windowtext;padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom">2023</td>
<td style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none">Cross/Liberty Mutual</td>
<td class="gmail-xl63" style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none"> $ 153,411.00 </td>
<td class="gmail-xl63" style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none"> $ 25,832.00 </td>
<td class="gmail-xl64" align="right" style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none">20%</td>
<td class="gmail-xl71" style="border-top:none;border-right:0.5pt solid windowtext;border-bottom:none;border-left:none;padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom"> </td>
</tr>
<tr height="17" style="height:12.75pt">
<td height="17" class="gmail-xl70" align="right" style="height:12.75pt;border-top:none;border-right:none;border-bottom:none;border-left:0.5pt solid windowtext;padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom">2022</td>
<td style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none">Cross/Liberty Mutual</td>
<td class="gmail-xl63" style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none"> $ 127,579.00 </td>
<td class="gmail-xl63" style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none"> $ 23,703.00 </td>
<td class="gmail-xl64" align="right" style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none">23%</td>
<td class="gmail-xl71" style="border-top:none;border-right:0.5pt solid windowtext;border-bottom:none;border-left:none;padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom"> </td>
</tr>
<tr height="17" style="height:12.75pt">
<td height="17" class="gmail-xl70" align="right" style="height:12.75pt;border-top:none;border-right:none;border-bottom:none;border-left:0.5pt solid windowtext;padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom">2021</td>
<td style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none">Cross/Liberty Mutual</td>
<td class="gmail-xl63" style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none"> $ 103,876.00 </td>
<td class="gmail-xl63" style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none"> $ 13,317.00 </td>
<td class="gmail-xl64" align="right" style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none">15%</td>
<td class="gmail-xl71" style="border-top:none;border-right:0.5pt solid windowtext;border-bottom:none;border-left:none;padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom"> </td>
</tr>
<tr height="17" style="height:12.75pt">
<td height="17" class="gmail-xl70" align="right" style="height:12.75pt;border-top:none;border-right:none;border-bottom:none;border-left:0.5pt solid windowtext;padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom">2020</td>
<td style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none">Cross/Liberty Mutual</td>
<td class="gmail-xl63" style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none"> $ 90,559.00 </td>
<td class="gmail-xl63" style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none"> $ 3,716.00 </td>
<td class="gmail-xl64" align="right" style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none">4%</td>
<td class="gmail-xl71" style="border-top:none;border-right:0.5pt solid windowtext;border-bottom:none;border-left:none;padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom"> </td>
</tr>
<tr height="17" style="height:12.75pt">
<td height="17" class="gmail-xl70" align="right" style="height:12.75pt;border-top:none;border-right:none;border-bottom:none;border-left:0.5pt solid windowtext;padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom">2019</td>
<td style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none">Cross/Liberty Mutual</td>
<td class="gmail-xl63" style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none"> $ 86,843.00 </td>
<td class="gmail-xl63" style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none"> $ 19,843.00 </td>
<td class="gmail-xl64" align="right" style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none">30%</td>
<td class="gmail-xl71" style="border-top:none;border-right:0.5pt solid windowtext;border-bottom:none;border-left:none;padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom"> </td>
</tr>
<tr height="17" style="height:12.75pt">
<td height="17" class="gmail-xl70" align="right" style="height:12.75pt;border-top:none;border-right:none;border-bottom:none;border-left:0.5pt solid windowtext;padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom">2018</td>
<td style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none">MMA</td>
<td class="gmail-xl63" style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none"> $ 67,000.00 </td>
<td class="gmail-xl63" style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none"></td>
<td class="gmail-xl64" style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none"></td>
<td class="gmail-xl71" style="border-top:none;border-right:0.5pt solid windowtext;border-bottom:none;border-left:none;padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom"> </td>
</tr>
<tr height="17" style="height:12.75pt">
<td height="17" class="gmail-xl70" style="height:12.75pt;border-top:none;border-right:none;border-bottom:none;border-left:0.5pt solid windowtext;padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom"> </td>
<td style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none"></td>
<td class="gmail-xl63" style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none"></td>
<td class="gmail-xl63" style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none"></td>
<td class="gmail-xl64" style="padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom;border:none"></td>
<td class="gmail-xl71" style="border-top:none;border-right:0.5pt solid windowtext;border-bottom:none;border-left:none;padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom"> </td>
</tr>
<tr height="17" style="height:12.75pt">
<td height="17" class="gmail-xl72" style="height:12.75pt;border-top:0.5pt solid windowtext;border-right:none;border-bottom:0.5pt solid windowtext;border-left:0.5pt solid windowtext;padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom"> </td>
<td class="gmail-xl73" style="border-top:0.5pt solid windowtext;border-right:none;border-bottom:0.5pt solid windowtext;border-left:none;padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom"> </td>
<td class="gmail-xl74" style="font-weight:700;font-style:italic;border-top:0.5pt solid windowtext;border-right:none;border-bottom:0.5pt solid windowtext;border-left:none;padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom">Cumulative 9 year increase</td>
<td class="gmail-xl75" style="font-weight:700;font-style:italic;border-top:0.5pt solid windowtext;border-right:none;border-bottom:0.5pt solid windowtext;border-left:none;padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom"> $202,428.00 </td>
<td class="gmail-xl76" align="right" style="font-weight:700;font-style:italic;border-top:0.5pt solid windowtext;border-right:none;border-bottom:0.5pt solid windowtext;border-left:none;padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom">302%</td>
<td class="gmail-xl77" style="border-top:0.5pt solid windowtext;border-right:0.5pt solid windowtext;border-bottom:0.5pt solid windowtext;border-left:none;padding-top:1px;padding-right:1px;padding-left:1px;color:black;font-size:10pt;font-family:Arial,sans-serif;vertical-align:bottom"> </td>
</tr>
</tbody></table></div><div><div dir="ltr" class="gmail_signature" data-smartmail="gmail_signature"><div dir="ltr"><div dir="ltr"><div><br></div><div>The numbers speak for themselves. Good luck, I hope this helps!</div><div><br></div><div>Hollis Cobb, Business Manager<br>Gorham School Department<br></div>75 South Street, Suite #2<br>Gorham, ME 04038<br>207-222-1003<br></div></div></div></div><br></div><br><div class="gmail_quote gmail_quote_container"><div dir="ltr" class="gmail_attr">On Fri, Feb 6, 2026 at 10:04 AM Krol, Gabrielle <<a href="mailto:gabrielle.krol@msad52.org">gabrielle.krol@msad52.org</a>> wrote:<br></div><blockquote class="gmail_quote" style="margin:0px 0px 0px 0.8ex;border-left:1px solid rgb(204,204,204);padding-left:1ex"><div dir="ltr">Good Morning,<div><br></div><div>I am sending this out one more time in hopes of getting a few more responses for information to take back to my board. </div><div><br></div><div><div>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.</div><div><br></div><div>I am hoping to get the name of your carrier and what that overall increase/decrease was. </div></div><div><br></div><div>Hope everyone has a wonderful weekend!</div></div><br><div class="gmail_quote"><div dir="ltr" class="gmail_attr">On Tue, Jan 27, 2026 at 7:41 AM Krol, Gabrielle <<a href="mailto:gabrielle.krol@msad52.org" target="_blank">gabrielle.krol@msad52.org</a>> wrote:<br></div><blockquote class="gmail_quote" style="margin:0px 0px 0px 0.8ex;border-left:1px solid rgb(204,204,204);padding-left:1ex"><div dir="ltr"><div dir="ltr"><div>Good Afternoon,</div><div><br></div><div>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.</div><div><br></div><div>I am hoping to get the name of your carrier and what that overall increase/decrease was. </div><div><br></div><div>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.</div><div><br></div><div>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.</div><div><br></div><div>Thanks so much!</div><div>Gabby</div><div><br clear="all"></div><div><br></div><span class="gmail_signature_prefix">-- </span><br><div dir="ltr" class="gmail_signature"><div dir="ltr"><div style="color:rgb(80,0,80)"><font color="#000000" face="verdana, sans-serif">Gabrielle Krol</font></div><div style="color:rgb(80,0,80)"><font color="#000000" face="verdana, sans-serif">Business Manager</font></div><div style="color:rgb(80,0,80)"><font color="#000000" face="verdana, sans-serif">MSAD 52</font></div><font color="#000000" face="verdana, sans-serif"></font><div style="color:rgb(80,0,80)"><font color="#000000" face="verdana, sans-serif">486 Turner Center Road</font></div><div style="color:rgb(80,0,80)"><font color="#000000" face="verdana, sans-serif">Turner, ME 04282</font></div><div style="color:rgb(80,0,80)"><font color="#000000" face="verdana, sans-serif">207-225-1006</font></div></div></div></div>
</div>
</blockquote></div>
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