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Expect  Better.
That's Our Policy.

Innovating Business Insurance

 

Intrepid Direct is redefining business insurance with a direct-to-insured model. Our modern experience infuses insurance with a personal connection, empowering your business with direct savings and innovative solutions. 

 

Take control of your insurance with Intrepid Direct — your broker can't access us, but you can.

Request a Quote
Image showing a modern and dynamic business insurance office, representing Intrepid Direct Insurance. Image showing a modern and dynamic business insurance office, representing Intrepid Direct Insurance.

The Direct Difference

  • Direct Savings

    With Intrepid Direct, you're not paying commissions to a middleman, which directly translates to money in your pocket.

  • Personalized,
Expert Service

    Working directly with those who manage your insurance, you will collaborate with a dedicated team of industry experts providing solutions tailored to your specific business needs.

  • Efficient Process

    With all of your dedicated points of contact under one roof, experience a new kind of streamlined insurance. Your Intrepid Direct team is empowered to make decisions quickly — from quoting, to claims handling, and everything in between.

  • Transparent Experience

    By working directly with the insurance provider, you will get direct answers to all your questions. No delays, games, or excuses.

TAILORED BUSINESS INSURANCE

Industries We Serve

There’s a reason we are selective in our market focus. As experts in the industries we serve, we deeply understand your challenges, enabling us to deliver tailored, comprehensive coverage with urgency and intention.

15,000+ Business Locations Insured Nationwide

Intrepid Direct provides insurance for over 15,000 business locations in our dedicated industries. We are a leading direct insurance provider in the U.S. specializing in property and casualty insurance solutions.

Expect Better. That’s Our Policy.

Why Intrepid Direct Insurance

With Intrepid Direct, your insurance experience is personalized, innovative, and comprehensive. From policy setup to claims management, you will have a dedicated team of in-house, autonomous decision makers who are focused on your industry. This expertise allows us to truly understand your unique needs, ensuring reliable, swift solutions and a seamless experience.

The Intrepid Direct Claims Advantage

In-House Claims, Committed to Your Business

Our claims team is here for you before, during, and after the claim process. We act as a true partner to our customers and offer claim solutions tailored to your business’s unique needs.

Learn More
The Intrepid Direct Claims Advantage The Intrepid Direct Claims Advantage
Trustpilot

“With one simple call, I was treated professionally and courteously. The service was extremely prompt. The team at Intrepid was amazing from beginning to end, every step of the way. I'm glad I made the switch.”

 

Mike I. | Anytime Fitness

“I can truly say that I wish all insurance carriers hired people that are as knowledgeable, caring, competent and quick to be of help. I deal with many insurance companies every day in my business and is noticeably refreshing the way every person that I deal with at Intrepid goes the extra mile.”

 

Kevin H. | I-CAR Gold Certified Shop

“Everything about my experience with this company has been made so easy. From applying for coverage to receiving a quote and getting great coverage. The entire process was extremely smooth and everyone I have worked with has been extremely helpful and professional. And I also got great coverage at a fair price!”

 

Austin J. | Papa Johns

“From the initial quote thru the whole enrollment process I don’t think I could have asked for a better experience. We were able to obtain better coverage with not that much of a premium increase. Would highly recommend them!”

 

Bobbi P. | Fix Auto

“Been partnered with Intrepid for over 3 years now and have nothing but great things and experiences with them! Best customer service and their team is always there to ensure we feel comfortable as franchisee operators.”

 

Cody W. | Carl’s Jr.

How can we help you?

  • Report a Claim

    Do you have a claim? Our team is ready to help.

    REPORT A CLAIM

  • Customer Login

    Are you a current customer? Log in to our intuitive online portal to review policies, file claims, and manage insurance.

    LOGIN

  • Contact Us

    Do you have a question or would you like to get a stress free quote? We are here with the resources and personalized service you’ve been looking for.

    CONTACT US

FROM INTREPID DIRECT

Insurance Happenings and Insights

Your one stop for the latest developments at Intrepid Direct, including important need-to-know insurance news, updates in your industry, and business management tips.

Explore Latest

<img loading="lazy" src="/sites/g/files/xkzibx286/files/2026-06/Pizza-Delivery-Operators-HNOA-Options-Feature.jpg" width="500" height="355" alt="Delivery driver for a pizza franchise, entering into their personal vehicle with an order of pizzas." />

Commercial Auto Insurance Options for Franchise Pizza Delivery Operators in 2026

<p>Many delivery-focused franchise restaurant operators have experienced great success over the last 20 years. But today, franchise owners are facing mounting pressure on profitability, driven by rising costs and a more price-sensitive customer.</p>

<img loading="lazy" src="/sites/g/files/xkzibx286/files/2026-04/Automobile-Service-and-Repair-Center_Feature.jpg" width="500" height="355" alt="Interior view of a car service and body repair center. With 2 vehicles being worked on within the facility." />

Garagekeepers Coverage Breakdown: Direct Primary, Direct Excess, and Legal Liability

<p>The moment a customer leaves their auto in your care, your automotive business takes on risk, and the type of garage keepers coverage you choose determines how that risk plays out if something goes wrong.</p>

<img loading="lazy" src="/sites/g/files/xkzibx286/files/2025-04/Social-Inflation-Feature-Image-Piggy-Bank.jpg" width="300" height="200" alt="piggy bank" />

Understanding Social Inflation and Its Impact on Insurance Rates

<p>As a business owner or franchisee, you understand the importance of protecting your assets through comprehensive insurance coverage. However, with rising insurance rates, it's essential to understand the underlying factors contributing to the increased cost of premiums. </p>

<img loading="lazy" src="/sites/g/files/xkzibx286/files/2025-04/IDI_Blog_Feature_What-is-Direct-Insurance_Feature.jpg" width="400" height="284" alt="What is Direct Insurance featured image: people shaking hands" />

What Is Direct Insurance?

<p>Direct insurance is the modern approach to commercial insurance. This model means business owners work directly with the insurance provider, versus a traditional agent or a broker. The result? A streamlined experience with faster quotes, easier applications, a smoother claims process, and lower prices.</p>

<img loading="lazy" src="/sites/g/files/xkzibx286/files/2025-04/Reduce%20Risk%20of%20Dog%20Bites_Feature%20%28002%29.png" width="478" height="340" alt="dog sitting in driveway" />

How to Reduce the Risk of Dog Bites for Restaurant Delivery Drivers

<p>Restaurant delivery drivers are often faced with the risk of being bitten by a dog while on their route. It's important to take necessary precautions in order to reduce this risk and make sure everyone stays safe, dogs included.</p>

<img loading="lazy" src="/sites/g/files/xkzibx286/files/2025-04/Safety%20Guidelines%20for%20Delivery%20Drivers_Feature.jpg" width="500" height="355" alt="seatbelt" />

Safety Guidelines For Restaurant Delivery Drivers

<p>Restaurant delivery drivers have a much greater risk of accidents and injuries than other employees.</p>

<img loading="lazy" src="/sites/g/files/xkzibx286/files/2025-04/Garagekeepers-vs-Garage-Liability-Feature.jpg" width="1064" height="709" alt="garage with cars in it" />

Understanding the Differences: Garage Keepers Insurance vs. Garage Liability Insurance

<p>Navigating the world of business insurance can be complex, especially when trying to distinguish between types of coverage like garagekeepers insurance and garage liability insurance.</p>

<img loading="lazy" src="/sites/g/files/xkzibx286/files/2025-04/Preventing-Parking-Lot-Accidents-Feature.jpg" width="1064" height="709" alt="parking lot" />

Preventing Parking Lot Traffic Accidents

<p>Parking lots are busy places, used by employees, customers, and delivery drivers.</p>

<img loading="lazy" src="/sites/g/files/xkzibx286/files/2025-04/Winter_Car-Shop-Ready-400x250.jpg" width="400" height="250" alt="Winter Car Shop Ready" />

10 Steps to Ensure Your Auto Repair Business Is “Shop Ready” for Winter

<p>Before the seasonal onslaught of customers come through your door for maintenance checks, have you asked yourself if your auto repair business is “shop ready"?</p>

<img loading="lazy" src="/sites/g/files/xkzibx286/files/2025-04/Plan-For-Winter-Feature.jpg" width="1064" height="709" alt="arial view of a city in winter" />

Winterproofing Your Business: Tips for Business Owners

<p>For business owners, winter's arrival demands thoughtful preparation to ensure the safety and comfort of customers, employees, and vendors.</p>

<img loading="lazy" src="/sites/g/files/xkzibx286/files/2025-04/Appellate-Courtroom-Interior.jpg" width="1064" height="709" alt="interior of a courtroom" />

“Open and Obvious” Defense Law in Michigan Slips and Falls Into Line with Most Other States

<p>Many people mistakenly believe that when someone slips or trips and falls, the property owner must compensate the claimant for any injuries simply because the accident occurred on the business’s property¹. However, injured parties actually must prove several legal elements in court before they are entitled to recovery for their damages.</p>

<img loading="lazy" src="/sites/g/files/xkzibx286/files/2025-04/Breaking-In-Feature.jpg" width="533" height="355" alt="person breaking into a house" />

Theft & How To Protect Your Business From It

<p>No business owner wants to think they may be a target of theft or burglary, but unfortunately, these events can and do happen. That’s why it is essential for businesses to have an adequate commercial insurance policy that will cover them if something like this occurs. But what exactly should you look for when it comes to your commercial insurance policy?</p>

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