Franchise restaurant insurance

Hired and Non-owned Auto

Save up to 20%

Fast quote turn-around. 12 equal payments. One bill.

What is hired and non-owned auto insurance?

Hired and non-owned auto insurance is protection for your franchise restaurant against claims from bodily injury or property damage from an accident caused by your driver when using their vehicle or a non-owned vehicle while driving in connection with your business.

Everything you never wanted to know about hired & non-owned auto insurance


Why is hired and non-owned availability limited by insurance companies?


Hired and Non-owned liability for food delivery drivers is a high severity insurance coverage, meaning when there is a claim it could be a large dollar amount. Insurance companies like predictability in general, they also need to be able to ‘save’ for these large claims. Many insurance companies don’t feel that the small amount of premiums is worth the risk of not properly ‘saving’ to pay for the large potential claims.


I’m new to delivery, so where do I start with safety practices for my delivery drivers?


Intrepid Direct is happy to email you a packet of best practices and sample agreements. A few tips: Start with hiring drivers with safe records, check their Motor Vehicle Records for major violations or frequency of violations. Then check the drivers insurance and drivers license to make sure they are valid and aren’t expired. Then make sure you have them sign an agreement of their responsibilities as a driver.


What can I do to lower my hired and non-owned costs?


Safety practices, higher deductibles, and telematics. Intrepid Direct’s representatives can guide you to help you lower your costs. We know the best safety practices, we have many deductible options, and we have partnerships with the leading telematics/GPS companies.


I’ve had a hired and non-owned claim…what will happen to my premiums in the future?


That’s too bad, we hope all involved are recovering well. Unfortunately, this large claim will be considered in your premiums for 4-5 years. You need to explain to the insurance company details of the event and what you have done to prevent it from happening again. Or explain it was such a random accident, it shouldn’t happen again. I would suggest you start by making sure you have great safety practices and then consider telematics for your drivers.

How we’re different from your current agent

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Our expertise sets us apart. Our team is dedicated and involved with the select industries we serve. We are immersed within our specialties.

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As a direct provider, Intrepid Direct has the ability to make decisions quickly and the flexibility to listen to your personalized needs. Underwriting and claim decisions are made by our team, no excuses.

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Intrepid Direct gives control to insurance buyers by allowing fast, convenient quoting. Simplified paperwork and processes means you are in control.

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Intrepid Direct embraces technology. This puts you in control and saves you time. We have great people behind this technology ready to serve you.

Our affiliates, partners, and memberships


Intrepid Direct offers restaurants savings, control and expertise.

Feature Intrepid Other guys
Work direct and save 15% or more
12 equal monthly payments
One stop shop, even hired and non-owned auto insurance
Restaurant-specific risk management partnerships help you reduce exposure
Dedicated to your franchise restaurants: claims, service, and underwriting

Why Intrepid?

Savings, control, and expertise

Insuring your delivery drivers can be one of the highest costs of your franchise insurance plan. Intrepid Direct offers savings, control, and expertise to help you lower costs.