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Intrepid Direct Insurance operates as Intrepid Direct Insurance Agency, LLC. Products and services are provided by one or more insurance companies that are rated A+ (Superior), Financial Size Category XV by A.M. Best Company, Inc. Not all products and services are available in every jurisdiction, and the precise coverage afforded by any insurer is subject to the actual terms and conditions of the policies as issued. Certain coverages may be provided through surplus lines insurance companies through licensed surplus lines brokers. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds.