Independent Partnerships


The Florida Independent Colleges and Universities Risk Management Association, Inc., FICURMA, is a private educational risk retention pool that offers its members property, casualty, workers’ compensation, fleet auto, educator’s legal and officers & directors, crime, foreign liability, environmental, fiduciary, cyber and foreign travel insurance.


The Higher Educational Facilities Financial Authority of Florida (HEFFA), formed in 2001, and found in Florida Statutes, Chapter 243, Part III, is a state wide tax exempt bond conduit specifically chartered for non-profit institutions of higher education that are domiciled in Florida and that are accredited by the Southern Association of Schools and Colleges.


Independent College and Universities Benefits Association, (ICUBA), provides high quality, cost-effective health and wellness benefits to our members through collaboration.