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Top 7 Ways to Tackle High Insurance Premiums

It’s football season again! You know what that means – game time food deliveries! Over 50% of adults have said that takeout and delivery services are crucial to their everyday life, and based on a recent survey of football fans, six out of seven said they plan to order food delivery during games. Since there’s either a college or pro football game on TV nearly every day of the week, franchisees have a direct path to reach the “end zone” with increasing delivery sales.

However, combining the surge in delivery with the new challenge of economic inflation, owners need to make sure their insurance premiums are not higher than they need to be. Follow these tips to find savings on your insurance premiums and increase your business’s profitability.

  1. 1. Go Direct.

    As inflation threatens to sack your bottom line, Intrepid strives to keep costs down while increasing your coverages to keep up with inflation. Working with a direct provider of business insurance will save you money by cutting out the middleman, including commissions, which equals an average savings of up to 20%. Our direct-to-consumer model means franchisees work with us, the insurance provider, versus an agent or a broker. The result? A streamlined experience with faster quotes, easier applications, a smoother claims process, and lower prices.

  2. 2. Get an Easy to Read Playbook

    Intrepid Direct takes the complications out of the quote process. Your time is valuable. As a direct provider and an expert in insuring the restaurant industry we have made getting a quote simple:

    • Email our Intrepid experts directly at sales@intrepiddirect.com.
    • A dedicated Customer Success Advisor will reach out to you to determine your policy values and prior year loss runs. (Note: More information may be requested depending on history.)
    • Then you could expect a quote promptly, sometimes even the same day.


  3. 3. Play Defense with Telematics by Drivosity

    A good defense brings a good offense. Intrepid Direct offers 25% discounts off our normal hired and non-owned pricing through the use of telematics. Drivosity provides GPS-based vehicle tracking and safety solutions for the top players in the food delivery industry.

    Better driving behavior saves lives, prevents injuries, and reduces your claims. Telematics also provides an unparalleled line of sight into your employees’ behavior after they leave the parking lot. Trends emerge and behaviors can be coached and celebrated by management.

    As your insurance provider, Intrepid will also receive data from with Drivosity. This allows us to offer coaching and benchmarking to our customers. If you manage Drivosity well, ask us about discounts beyond 25%!

  4. 4. A Knowledgeable Claims Team is Your Special Team

    Nobody wants a claim, but they do happen. When a claim occurs, you need a great special team in your corner, and we have the expertise and the knowledge to help you score! We offer:

    • Increased nationwide litigation coverage.
    • Online claims reporting and real time claims access. No need to wait for ‘loss runs’ to get emailed to you! Simply login for status updates at your convenience.
    • In addition to the online portal, Intrepid Direct offers a 24/7 claims hotline for major accidents that gets investigators out to the scene immediately.
    • Want more communications? You can also set up regular claims reviews with our team at no extra cost.



    Our team has experience nationally with your toughest claims, hired and non-owned. Managing these claims professionally impacts your long-term premiums and protects your business.

  5. 5. Bundle Your Coverage

    We offer a package of business insurance aligned with each franchisee’s unique needs, including property, equipment breakdown, general liability, automobile, hired and non-owned auto, workers’ compensation, umbrella, and employment practices liability, among others. We are also able to bundle your coverage into 12 equal payments to help you manage your costs throughout the year.

  6. 6. Review and Update Your Coverage Regularly

    You can’t risk the fumble. Your business and the environment are constantly changing and changing your insurance needs right along with it. Take the time to review your insurance and ensure your coverage matches your risks. Shopping around helps you determine if you’re getting the best rate possible – however, your agent can’t get Intrepid Direct’s rates because we’re direct to you!

  7. 7. Work with an Insurance Company with Strong Financial Stability.

    Like any vendor you work with, you need to evaluate their solvency, reputation, and dependability. A.M. Best and Standard & Poor’s are two rating providers in the insurance industry. The parent company of Intrepid Direct (W. R. Berkley Corporation) has A+ ratings with both.

At Intrepid Direct, we have taken our deep knowledge of the restaurant industry, listened to franchisees, and reviewed franchisor insurance requirements to offer coverages that protect your investment. The direct-advantage allows Intrepid Direct to deliver cost savings directly to our customers. One bundle. One payment. No middlemen.

Whether you have 1 location or 200, Intrepid Direct can help you “score” by increasing profitability during this football season and beyond! See why over 10,000 business locations have already joined the Intrepid Direct team. Expect better. That’s our policy.

Andy Williams

For nearly 20 years, Andy has been working with franchise organizations to obtain proper business coverage, using his experience working on both the Insurance Broker and Carrier side of the industry to better serve his clients. Andy and his team are focused on providing customers with an excellent service experience by better educating them on the insurance products available to protect their organization. In his free time, Andy enjoys spending time with his wife and 4 kids and playing the guitar.