CURIE members enjoy insurance premiums substantially below market prices

CURIE provides wholesale-priced property and liability insurance at rates 30 to 50 percent lower than those available commercially. By joining CURIE, universities pay significantly less for insurance than they would on their own.

CURIE keeps premiums down by eliminating or reducing intermediaries’ fees and minimizing operating expenses.

CURIE members experience stable premiums

The commercial insurance market is highly cyclical. When competition drives underwriting below costs, one major event can cause insurance rates to skyrocket. CURIE protects universities from these kinds of drastic and costly premium swings.

CURIE members receive insurance tailored to their needs

CURIE provides universities with broad and appropriate coverage and offers higher policy limits than a university can achieve alone.

CURIE members benefit from a wide breadth of risk management services

The key to reducing insurance claims is mitigating risks. CURIE therefore helps universities manage their risks and control their costs. To this end, we develop guidelines, establish safety programs, inspect properties, and host seminars.

CURIE members can rely on an accessible, experienced team

No organization has better specialized knowledge of the unique, complex, and evolving property and liability insurance needs of universities than we do. Because we serve only universities, we understand the dynamics of the university insurance business. This experience allows us to design insurance and loss control products to meet the special needs of universities.

CURIE members enjoy special tax advantages

Tax-free status allows investment income and underwriting profit to accrue directly to members to assist in paying claims.

CURIE members have their claims processed fairly and efficiently

CURIE administers claims quickly and properly. This efficiency allows universities to respond promptly to their clients—an important part of delivering exceptional customer service.