Membership Feedback


Shawn Poyser, Superintendent, Warsaw R-IX School District

“I have had the honor and privilege of having MUSIC as our insurance provider in two districts.  The leadership, customer service, support, and coverage is top notch while maintaining stable and very affordable premiums.  The ability to have an insurance consortium like MUSIC is truly invaluable.”

“We have had almost everything imaginable from a flooded gym to car damage from high winds to lawsuits against the district.  Peggy Wilson and Alan Schmitt have consistently provided help and advice from coverage to playground equipment.  No one is more professional and dedicated than Anita Kiehne.  It is hard to imagine working through lawsuits without Anita’s help and the outstanding staff at Ed Counsel.  Mark Stockwell is so accessible and continues to provide tremendous leadership.  When you combine all of the personal and professional advantages of MUSIC there is really no other choice for school insurance.  They have my utmost respect and highest recommendation.”


Richard Asbill, Superintendent, Cassville R-IV School District

“On behalf of the Board of Education and the Cassville R-IV school District, I am honored to provide the following comments about MUSIC:”

“There’s insurance and then there’s MUSIC.  Cassville R-IV School District, like any other school districts, has faced the need to make an insurance claim.  We know that when we call MUSIC we get more than just a claim number, we get answers and a network of support to ensure our focus can stay on education and students.  MUSIC gives us the confidence to know that our needs will be responded to effectively and efficiently.  We trust MUSIC, because they have proven they know and understand the challenges school districts face each and every day.”

“Cassville suffered a dramatic loss of function during a natural disaster that caused significant damage to classrooms facilities.  Our first call was to MUSIC and from that point forward we received the help, support and claims assistance that we needed.  MUSIC staff always has our local school district needs as the first priority.  Claims representatives assigned, whether property, legal or workers compensation claims would always ask, “do you have any other needs or can we help you with anything else?” When you evaluate insurance costs you cannot quantify the value of personal, professional, and school-centered support.  For Cassville R-IV School District we don’t believe that we pay insurance premiums, we believe that we make an investment into a member owned system that puts the members’ needs above the profit goals.”

“Disasters, accidents, and personnel matters are never enjoyable, but the system of support the MUSIC provides is second to none! When we visit with members outside the MUSIC cooperative I am shocked by the lack of support and guidance given to school leaders by these companies.  I have served in two MUSIC districts and recognize the true privilege it is to be a MUSIC member.”

“Yes, we all face accidents, disasters and personnel matters where insurance claims may be necessary.  But when you have MUSIC it’s more than insurance it’s the confidence to know that your questions, needs, and claims have already been secured by the best team of individuals working together for Missouri School Districts.  Thanks MUSIC…we appreciate all that you do!”


Tim Rooney, CPA, Chief Financial Officer, Rockwood School District (Retired)

“In late December of 2015, our Eureka High School sustained significant flood damage.  We immediately called our claims adjuster and he was onsite that day with a restoration company to begin cleaning up the mess.  While they were working, we were making plans to open the area for school in just a few short days.  MUSIC quickly made decisions that helped us have the entire area cleaned and sanitized before school started back.  In addition, two gymnasium floors were removed and the space was made available to students until the new floors could be installed. MUSIC worked with us to hire contractors to get the gym and lobby floors done in record time.  Since there was other flooding in the area, we compared notes with other businesses and governmental units.  Others were envious that we had full replacement cost coverage for flood damage with a low deductible. It is much faster to recover from a natural disaster when you have good coverage and responsive claims staff.  We are fortunate to be a member of MUSIC.”


Robert C. Brinkley, Superintendent, Odessa R-VII School District

“On behalf of the Odessa R-VII School District, I wanted to take this opportunity to thank you for representing our district in an exemplary manner regarding the legal issue that has involved our district for the past two and one-half years. During this period MUSIC has consistently provided the necessary reinforcement required for the district’s best interest.”

“We appreciate your continued service on this legal matter and we look forward to continuing our working relationship with your organization.”


Mark S. Penny, Superintendent, Troy School District, Formerly the Superintendent of Moberly School District

“I am writing this letter on behalf of the Moberly School District and the positive experiences we have had with the Missouri Unified Schools Insurance Council (MUSIC). During the past seven years, I have worked very closely with your organization, MUSIC, and I have always been impressed with the high level of customer satisfaction that I have received.  We recently hosted a meeting with Debra Walker, Senior Liability Claims Adjustor, and I was very impressed with her responsive nature and unwavering support. The Moberly School District also received storm damage last spring and MUSIC once again came to our aid and addressed our needs in a timely manner.  Our Board of Education also commented on your organization’s willingness to assist “above and beyond” the call of duty.”

“I have also been impressed with the free education law seminars hosted by Tom Mickes and his outstanding staff.  I learn something every time I walk away from these sessions.  The Smarter Adults Safer Children DVD is another example of MUSIC’s commitment of protecting our children.  We have maintained a “100 percent” participation rate for the past three years regarding this proactive training video.  Lastly, I say thank you to the Board of Directors for rebating as much as a 25-30 percent discount for 2011 insurance premiums.  In a time of financial uncertainty for Missouri school districts, it certainly was nice to know MUSIC was helping us once again.   The Moberly School District and I are indeed thankful to you and your organization for all the above mentioned examples. By maintaining a long term business relationship with MUSIC, our school district certainly has benefited in a multitude of ways.  I again applaud and thank you for your support, timely response, and providing a first class insurance benefit to all Missouri school district members of MUSIC.”


Rick Roberts, Superintendent, Adair Co. R-II School District

“As the school administrator, it is a great feeling to know that when you have an issue come up in regards to any insurance claim that there are quality individuals and a trustworthy company to deal with.  The speed in which things are taken care of and the simplicity of the process is very advantageous to everyone.  We have been very pleased with MUSIC and as a person in charge of a budget the rates have been a boost in rough times that has been desperately needed.”


Gordon Myers, Superintendent, Midway R-I School District

“As a superintendent new to Missouri, after serving as a superintendent in another state for a number of years, I’ve been thoroughly impressed with the quality of service provided by MUSIC in helping us meet our insurance needs.”

“Bidding insurance services can be a tortuous process for local boards of education, superintendents and school business officials.  Local school officials are often under great pressure to “buy local”, and often pay a premium (literally!) to keep the district’s insurance with a local agent.  MUSIC eliminates all that.”

“Missouri school districts enjoy the benefit of an insurance provider that is focused solely on their needs.  MUSIC was formed to serve schools and nobody else.  The folks at MUSIC are able to use the lesson learned in one school district from being repeated in other districts.  The risk, exposure and loss analyses provided by MUSIC help school administrators prevent costly litigation and settlements.  These annual reports, along with newsletters, videos, emails and especially, the annual conference are invaluable in helping superintendents identify and eliminate risk factors in their districts.”

“Acting with the strength of numbers, MUSIC is able to seek and negotiate very favorable rates for its insurance and reinsurance coverages.  The dollars we save in insurance get spent in our classrooms.  School districts in other states would benefit greatly from an insurance consortium like Missouri’s schools enjoy through MUSIC.”


Carolyn Brown, Metropolitan Community College

“The Metropolitan Community College District, consisting of five community colleges in the Kansas City metropolitan area, has enjoyed being a member of MUSIC since 1991. MUSIC is a one-stop shop meeting virtually all non-benefit insurance needs for schools. Following is a brief description of my experience with MUSIC and the products and services they provide.”

“Since MUSIC goes out to bid for comprehensive coverage, we have assurance that we are getting the best available coverage for the best price and it saves the District the cost and hassle of the RFP process. Three to four times per year we are visited by various insurance brokers vying for our business. Not one has come close to providing the coverage and services at a competitive price. We particularly appreciate that coverage and services are customized for schools. Reporting claims is easy and painless whether it is using the Risxfacs™ Internet reporting for workers’ compensation claims or forwarding an email report and photographs to the liability supervisor. Personnel respond promptly and handle each incident based on its merits.”

“We are particularly impressed with the work comp claims management. First, I know that safety training is only a phone call away. This is a service we have heavily utilized and there is no doubt it has prevented employee injuries. The Internet claim line is a convenient means of reporting.  It immediately notifies an adjuster and nurse case manager allowing prompt attention to the medical needs of our employees. When they contact the injured employee directly it lets that employee know that their welfare is important. The re-pricing structure and direct payment to the medical provider are both economical and efficient.”

“Staff has considerable knowledge and intuition and is proactive with liability claims. They conduct thorough investigations and select reputable defense counsel when necessary.”

“Access to the broker is vital to our District. We often have unique situations that require the advice of management. These special requests are handled in a timely manner and always with the attitude “We are there to serve the needs of the customer.” As a courtesy, MUSIC offers special events liability coverage to external persons or organizations requesting to use our facilities. This service helps us to meet our mission of serving the community while protecting our assets.  During the normal course of business, we execute a considerable amount of contracts that often requires a certificate of insurance to be issued. A quick email to MUSIC personnel and the certificate is usually emailed within minutes.”

“Everything herein described is made possible by the commitment of MUSIC’s membership and the sound fiscal management of the program by Gary VanMeter and the board of directors. Being a MUSIC member means that our District doesn’t have to employ insurance experts. Coverage is provided at reasonable rates and because of the professional services provided by Gallagher Bassett, we spend minimal time on claims management. I would encourage any Missouri school to become a MUSIC member.”


Dr. Phillip Cook, Superintendent, Carl Junction R-I School District

“It is with great pleasure that I have the opportunity to write a recommendation for Missouri United School Insurance Council (MUSIC).  Our district is so thankful we are members of MUSIC and appreciative of all the organization has done for us.”

“We joined MUSIC in January or 2003 and were fortunate to not have a claim until May 4 of the same year.  However, on that date, our district was hit by a destructive tornado that resulted in nearly $6.2 million in damage to our buildings.  This was uncharted territory for all of us in Carl Junction in dealing with tornado damage as well as dealing with MUSIC.  While managing rebuilding from a storm is far from pleasant, our experience with the people from MUSIC has been wonderful.  We are located in the far Southwest corner of the state and the store hit at 6:20 p.m. Sunday evening.  I called Chris Brading first thing Monday morning and we had a representative here by noon.  Their promptness and attention to this claim has been remarkable.  They truly guided us through a time that was very trying and made us feel comfortable.  I immediately developed a trust in Phyllis Galbraith and Terry Knowlton, of Gallagher Bassett, and very much valued their advice and opinion.  The majority of our damages were repaired in about three and a half months and we started school on September 2.  The representatives from MUSIC played a huge role in making the start f school possible.  To date, the claim is still open and it will take some time to clear up some loose ends, but I am confident the process will be very smooth.”

“Since the storm, I have worked with MUSIC representatives on accident and workers’ compensation claims and they were very professional and courteous.  The staff at Carl Junction R-1 Schools speaks often of how lucky we were to join MUSIC when we did and we don’t want to imagine what this trying time would have been like without them.  After the storm, a patron of the city remarked, “Before we were neighbors, now we are family.  Before we were just members, but MUSIC made us feel like family.”


Kenneth W. Cook, Superintendent, Malden R-I School District, Formerly Superintendent at Dora R-III School District

“I just wanted to take a moment, on behalf of the Dora R-III School District and myself to express our appreciation for MUSIC.  As you know, we lost our main building to a fire on January 21, 1998, and on that day I had serious doubts as to the future of the Dora School District.  Before the day was over, adjusters from Gallagher Bassett Services were here to look over the damage, which we now know was extensive.”

“Dora is a very small school district, which serves a student population of about 360 students in grades Pre-K through 12.  Being such, the financial situation of our district is normally tight, at best.  Until that day I didn’t realize that one advantage of being a member of MUSIC would be that money would be immediately available to us.  Within a week we had $250,000 in the bank and were making plans to bring in mobile units so that we could continue to have school.”

“Another great benefit of MUSIC to the district has been the Extra Expense coverage.  This has allowed us to save our money for the rebuilding of the school and its furnishings.  MUSIC has covered all of the additional expense of leasing mobile units and anything else it has taken above normal school operations to keep us in session.”

“But after all of this, the best thing about being a member of MUSIC is claims settlement.  MUSIC is actually working with us.  I just want to give recognition to Chris Brading and Terry Knowlton, claim adjusters with Gallagher Bassett.  They were patient and responsive to our desires and needs.  When the first offer from the insurance carriers seemed unacceptable to us, they worked with us to get us a fair settlement, which has allowed the district to rebuild our school.”

“As I am writing this, we are approaching the two-year anniversary of the fire, which destroyed our school, and I am happy to say that we will soon be moving into our new school.  I am convinced without the support of MUSIC there is every chance that our students would have been attending another school district, or at the very least be moving into a lesser quality building than the one that was lost.”

“Gary, if you ever have a district considering leaving the program or becoming a member for the first time, you should have them give me a call.  I have calls from other insurance carriers that promise better rates and good service, but I know we get excellent service through MUSIC.  And furthermore, from my experience with the fire, I know the right questions to ask when they call and they just don’t have the right answers.”

“Again, thanks for all of your help these past two years and let me invite you to stop by and see our new school which we are very proud of.”


David Glaser, Chief Executive Officer, Voluntary Interdistrict Choice Corporation, formerly Chief Financial Officer of Rockwood School District

“Several years ago when insurance rates were considerable lower, Rockwood decided to test the market to confirm that MUSIC’s rates are competitive.  While we were able to identify a group of companies with rates comparable to MUSIC, we could not achieve any significant savings and decided that it was not worth taking the risk to leave MUSIC considering that their competitors would only guarantee their rates for one year.  In retrospect, considering the significant increases in insurance rates, that was obviously a very wise decision.  In addition, the service that we receive from MUSIC and Gallagher Bassett is second to none, and I doubt that we would receive such high quality service from a company which may be more interested in earning a profit than serving their clients.”


Paul Northington, Chief Financial Officer Rockwood School District, Formerly Hancock Place School District

“Just a short note of appreciation for the service M.U.S.I.C. has provided the New Madrid County R-1 School District over the years.  As you know the R-1 District has been a member of MUSIC since 1991, and over that period of time, we have developed a relationship with your organization that is second to none.”

“It is comforting to know that when unfortunate events occur, the staff at MUSIC has the knowledge, expertise, and willingness to resolve the situation in an expeditious and professional manner.  Although the R-1 District has been fortunate in avoiding major catastrophes we have had several insurance related issues that required MUSIC’s delicate handling of these often difficult issues.  Without exception, MUSIC has handled every claim, every question, and every issue to our satisfaction.”

“Please feel free to include the New Madrid County R-1 School District among your list of satisfied member districts.”


David Tramel, DESE, Formerly Superintendent, New Bloomfield R-III School District

“It is my pleasure to take a moment to share my experiences with MUSIC.  During my 24 years in administration I have been blessed to have always been in districts that were members of MUSIX.  Their level of service along with an absolute devotion to the members has always provided me with a peace of mind.  I have been through floods, tornadoes, blizzards and many other claims and always felt like their only customer.”

“From the top down, everyone at MUSIC will do all that they can to help before, during and after a claim.  Missouri schools are incredibly lucky to have MUSIC in our corner.”


Anthony Hartsfield, Superintendent, Pemiscot Co. R-III School District (Retired)

“One of the first major decisions that I led my current school district to make was to join the Missouri United School Insurance Council program consolidating all of our property, liability, and workers compensation insurance needs.  The original selling point I used was cost effective; the district originally saved around $5,000 dollars which was quite substantial for our small K-8 district.  I knew there would be several additional benefits including policy services which eliminated the need for paying another policy service.”

“In the five years since we joined MUSIC, unfortunately we have had a $30,000 claim for roof damage, a fairly substantial workers compensation claim, and a couple of other small claims.  Fortunately, we had joined MUSIC!  To most districts and insurance companies these claims are probably just small stuff, but the service my district has received is outstanding.  What I originally sold to the Board of Education as a way to save money has evolved the greatest benefit of belonging to MUSIC being the coverage provided and service rendered!”


Dana Ruhl, Business Manager, Hannibal No. 60 School District (Retired)

“The Hannibal School District #60 would like to express a big THANK YOU to the M.U.S.I.C. and Gallagher Bassett Services staffs.  On August 12, 2004 our Eugene Field Elementary School experienced a water leak due to a stuck valve in a top floor bathroom.  The result was flooding of several classrooms on that floor and damage to several ceilings and classroom floors below.”

“After reporting this incident to Gallagher Bassett Services, Mark Beitzel came to Hannibal to assess the damage.  After doing so, we were given the green light to have a local contractor come in to make needed temporary repairs.  The wooden floors in one room in particular had buckled in several places making it impossible to hold classes in the room, making a teacher rather unhappy.  The repairs were done quickly making the teacher happy again.  Life is better when the staff is happy!”

“We have had a few other incidents in past years, and have always found the M.U.S.I.C. organization to be prompt and professional.  We could have left for some “short-term” lower rates in the past few years, but we understand how the insurance market works.  We know it would not have been in the best interest of the District to leave M.U.S.I.C. both financially in the ““long-term” and due the prompt and professional service we have become accustomed to.”


Dr. Bill Nicely, Superintendent, Kearney R-I School District, Formerly Superintendent of Leeton R-X School District

“Controlling operational costs while maintaining a safe environment for students and staff is a priority for school district administrator’s now more than ever before.  The Missouri United School Insurance Council (MUSIC) provides what school leaders are looking for in a full service insurance company.  Over the last several years, I have been particularly impressed with the level of service MUSIC has provided to the Leeton R-X School District.  Utilizing a proactive approach combined with research on trends in litigation and insurance claims, MUSIC has helped school districts address difficult and often costly issues such as bullying, cyber bullying, and child sexual abuse.  Their Smarter Adults Safer Children programs are raising awareness, reducing associated costs and keeping children safe.”

“MUSIC provides a multitude of insurance services to the Leeton R-X School District.  From facility protection to board liability, their goal and mine are the same; control costs through information and risk management.  Because the MUSIC governing board is comprised largely of school superintendents, I feel assured of our mutual interests.  To that end, the distribution of information from the MUSIC organization through regular mailings, annual conferences, and phone call inquiries is excellent.  Over the last several years MUSIC has held down costs while increasing coverage.  They understand the specific needs of a public school and continue to provide the Leeton R-X School District with a quality product and a high level of service.”


Toni Hill, Superintendent of Schools, Bloomfield R-XIV School District

“In visiting with my colleagues I hear many comments praising MUSIC and all of the staff.  I believe I can say without any hesitation that MUSIC provides school districts with excellent services.  I would like to thank MUSIC for the outstanding effort in making my job easier.”


Craig Barker, Lawson R-XIV School District (retired)

“I would like to recommend MUSIC to each and every school district in Missouri.  We have been in the program for 8 years now and have found the service to be outstanding.  We have had wonderful and fast action taken for each and every claim that has come up.  From Workman’s’ comp claims to storm damage, the ability of the representatives from MUSIC has been quick and fair.  It is very reassuring as a superintendent to know that there is an outstanding group of people ready, willing and able to help with every situation that comes up in the daily duties of a superintendent.”


Darryl Pannier, Superintendent, Nell Holcomb R-IV School District

“It is with great pleasure that I have the opportunity to write a recommendation for Missouri United School Insurance Council.  The Nell Holcomb R-IV School District has been a member of MUSIC for the past fifteen years.  I have only been superintendent of the Nell Holcomb R-IV School District for the past three years and thankfully, we have not had any major claims.  The minor claims we have filed have been taken care of in a timely manner with no hassles.”

“I was in a district previous to coming to Nell Holcomb that did not have MUSIC insurance fewer than ten years ago and tragically, had to endure a catastrophic fire.  With all the dealings that the superintendent had to go through with the insurance company that the district had at that time, it did not take long for the school district to change over to MUSIC the very next year and they are still with MUSIC today.”

“I wish to commend you and your staff for a job well done in taking care of the school districts insurance needs.  I have not heard anything but positive comments when I visit with other superintendents about MUSIC.  As the time continually present more and more challenges for school administration and boards of education, it is nice to know that those of us with insurance coverage under MUSIC do not have to worry about anything in regard to this facet of our job.”

“Again, I cannot tell everyone how happy I am with the services I receive from MUSIC.  If a district is not part of MUSIC, I wholeheartedly believe they are not adequately covered in their insurance needs.”


Joan Twidwell, Superintendent, LA Monte R-IV School District

“On behalf of the La Monte R-IV School District, I would like to take this opportunity to extend our appreciation for the level of service MUSIC provides.  Claims and questions regarding coverage and liability are addressed promptly, handled quickly and processed efficiently with very little work necessary on our end.  Two other facets of the MUSIC membership I find especially valuable are the policy service provided by Tom Mickes and the annual safety audit conducted through Arthur J. Gallagher. Both of these services are above and beyond what would be provided through another carrier and make MUSIC extremely cost effective.”

“MUSIC is an exemplary of a consortium idea done right, and done well, and one I’m proud to be a part of.”


Don Lawrence, Superintendent, Avenue City R-IX School District, Formerly Superintendent of Savannah R-III School District

“My experience with MUSIC has been nothing but positive.  In the past 17 years as a superintendent, my interaction with MUSIC has been consistently positive.  In time of stress or in the event of an emergency, I can honestly say that have been met with confidence, calmness and reassurance from MUSIC and the people at Gallagher Bassett.  I have had experiences with student accidents, workman’s comp, property and liability issues and each case I have felt as though I have been dealt with fairly and consistently in every situation.”

“As a self-funded program, the “profit” scenario is removed from the process of determining renewal rates.  It is a rare experience that insurance rates remain constant and yet that is what has occurred over the past two fiscal years.  The knowledge the MUSIC is an organization owned and operated by those ho utilize the service tends to give a sense of control to those involved in the program.  The fact that the MUSIC board members are school administrators tends to make the organization responsive to needs and changes of school district as those needs become apparent.  I remain satisfied with the services provided by the Missouri United School Insurance Council.”


 Roger Schmitz, Superintendent, Lawson R-XIV School District

“I want to thank you for what MUSIC provides. Peace of mind is powerful.”


Cheryl Mack, Superintendent, Community R-VI School District

“I am so happy to have the opportunity to personally and professionally offer thanks to M.U.S.I.C.  The satisfaction and peace of mind this membership affords is priceless.”

“As an administrator in a small school district I am often faced with liability issues far outside my area of expertise.  The confidence I have in the staff of M.U.S.I.C. and Gallagher-Bassett has many times lightened my load and relieved the stress of the situation.  Whether it is a lightning strike, wind storm, a theft of leaky roof M.U.S.I.C. has handled each incident with speed and efficiency.  The process is seamless and the communication from M.U.S.I.C. is excellent and informative.”

“The central office personnel in our district often comments on how eager the M.U.S.I.C. staff is to help lighten our load.  What a wonderful testament to the quality of service received from the Missouri United School Insurance Council!”


Twas a typical day for the staff of the school

It started out rainy and turned rather cool

A storm blowing in was the word on the street

A watch of the radar kept me glued to my seat

The rain now was pouring and the wind picked up speed

The thunder and lightning was frightening indeed

The building and grounds were hit like a brick

The sign in the front took a terrible lick

But I did not worry, no I did not fret

For the District was covered by MUSIC, you bet

So thank you dear Gary, for all that you do

To the staff there at MUSIC, a BIG THANK YOU, too


Chris Wilson, Superintendent, Kennett #39 School District

“In my opinion, the MUSIC relationship is more of a partnership than a business relationship.  I know when I have a question, a concern, a claim or any MUSIC related issue I will be treated with professionalism and the issue will be taken care of as quickly as possible.  All of the MUSIC associates possess an authentic and genuine responsibility to assist the Kennett #39 School District with all MUSIC insurance issues.”


Kevin Supple, Chief Financial Officer, Francis Howell School District

“The Francis Howell School District was in the direct path of a tornado this past May.  We had minor damage across the District, but one of our middle schools suffered major damage.  The tornado hit on Friday night.  On Saturday morning, at 9:00 a.m., MUSIC representatives were on site helping us secure the site and planning for necessary reconstruction.  We had a very short timeline to get all of the work completed, as school started on August 8th.  We made our deadline because MUSIC was willing to work with us; they understood the nature of our business and that we could not just delay the start of school.  I am tremendously pleased with the level of support that we received throughout the process.  The kids are back in school, but there are still some minor loose ends to be addressed.  It is gratifying to know that we are working with a company that truly considers us a partner and helps us do what is best for kids.”


Dr. Kari Monsees, Superintendent, Raymore-Peculiar R-II School District

“It has been my pleasure to work with MUSIC for insurance coverage with three different school districts.  MUSIC has consistently exceeded my expectations for service and support.  After experiencing the claims process of another carrier in a former district, I truly appreciate the manner in which MUSIC and the Gallagher Bassett Services team handles the claims process.  They understand the nature of school operations and work with you to resolve claims without the hassles you often experience with other providers.”

“MUSIC also provides tremendous resources for loss prevention through Arthur Gallagher Risk Management Services and the various conferences and workshops MUSIC conducts for members.  They provide the expertise so we can focus our time and energy on educating students.  The holistic approach MUSIC utilizes results in both time and financial savings for member districts.”


Robin Ritchie, Superintendent, Cabool R-IV, Formerly Dallas Co. R-I School District

“As a school superintendent and building principal, I have been fortunate to work with the MUSIC insurance program for many years.  MUSIC is very responsive to the needs of school districts.  I have found this organization to be very service oriented and supportive to the many different insurance needs of the school district.  MUSIC is quick to answer questions that arise in day to day operations and prompt with the assessment/management of any claims.  Additionally, the benefit of a self-insured group guarantees that member districts have input into the insurance program and that districts reap the positive results when loss ratios are low by experiencing credits/premium reductions.”


Dr. Julie Dill, Former Superintendent, Johnson Co. R-VII School District

“MUSIC is a great support to my district-especially in times of crisis.  I have just experienced my second bus accident within 18 months and MUSIC has worked 24-7 alongside me to guide and support me and the district through this difficult process.  Chris and Phyllis are true advocates for us.  Thanks for all you do!”


Dr. Matt Robinson, Superintendent, Cameron R-I School District

“One of the first calls I remember taking as a first year superintendent was from Gary VanMeter.  He not only welcomed me to the ranks of superintendent but spent time explaining what M.U.S.I.C. was all about.  He explained the claim history for my specific school district, and said that he would come by my office sometime and visit.  Knowing my location was out of the way, I just thought it was something nice for him to say.  That same month he showed up in my office!”

“I have utilized M.U.S.I.C. for their help on many situations throughout the course of my career and have always felt my issue or problem was dealt with correctly and in a timely manner.  Everyone in the office is courteous, professional, and willing to do whatever it takes to rectify the situation.  In one instance a claim agent drove up from St. Louis (4+ hours) just to take a picture.  That situation was resolved by the end of the day.”

“I am confident that M.U.S.I.C. is quick to help with any situation and that an emergency would only last until M.U.S.I.C. staff arrived or found out what they could do to help.”


Karma Coleman, Superintendent, Tarkio R-I, Formerly Nodaway Holt R-VII School District

“The Nodaway-Holt R-VII School has been a member of MUSIC for many years and the experience has been nothing but positive.  MUSIC provides a full range of services while controlling costs, which is particularly important at his point in time.  Their proactive approach with safety issues for facilities and children helps to control costs as well.  The MUSIC staff is some of the highest quality I have experienced.  From workmen’s compensation, liability issues, storm damage or a devastating fire, the MUSIC staff is always pleasant, professional and knowledgeable.  Whether large or small, claims are handled promptly with no unnecessary hassles.  The goal of the MUSIC organization is to help our organization function efficiently and effectively.  I highly recommend MUSIC, without hesitation, to all school districts for their insurance needs.”


Dr. Chris Neale, DESE, Formerly Superintendent, Gasconade Co. R-I School District

“I found MUSIC to be essential in managing the district.  Several aspects come to mind.  First, the cost effectiveness of the coverage cannot be equaled.  I don’t remember ever receiving a premium reduction from private carriers, regardless of experience.”

“Second, the proactive, preventative approach that MUSIC takes to ensuring the safe and smooth operation of our district is extremely helpful.  We would not be able to afford the safety audits, professional expertise, no school specific training materials without the power of MUSIC.”

“Finally, when a claim happens MUSIC is your best ally.  First, they are the cool head that helps guide you through what to do.  Second, if there is a way to recover, manage costs, or minimize damage MUSIC is there, again with expertise we don’t have.”

“It is refreshing to find that your insurance carrier is on your side rather than an adversary when you need it.  Dealing with MUSIC rather than a commercial carrier is the difference between a loyal team and a mercenary.”



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