Coverage for allegations of sexual misconduct.

What's Typically Covered

Coverage for any employee who inflicts actual, alleged or threatened abuse, molestation, or exploitation onto another person, during work hours.

The Intrepid Direct Difference!

Most insurance companies will add this to your policy, but too often, for an amount that is not enough. We match your coverage to your FDD requirement to ensure you are adequately covered.

Coverage for claims that are a result of errors and omissions while performing professional services.

What's Typically Covered

Protects against claims of negligence if a customer were to get injured while performing an exercise under the supervision of an employee.

The Intrepid Direct Difference!

We understand that accidents can happen, even under the supervision of a trained professional. That’s why our policy includes claims made against personal trainers.

Extra protection in case you’re held liable for a serious injury or accident.

What's Typically Covered

You could think of an umbrella policy as an extension of your general and auto liability policies. It covers the same basic things, but provides an additional limit in the event you need it.

The Intrepid Direct Difference!

More often than not, clients find our umbrella rates to be lower than those of our competitors. Why? Because our team is underwriting it and its underlying policies. Oftentimes, general liability, auto, and umbrella policies are sold separately through separate insurers. Because of this, umbrella rates can be padded to protect against unknown underwriting risk. So, with no 3rd parties in our equation, we don’t need to mark up your rate to cover the 3rd-party risk.

Assists with the costs associated with cyber-criminal activity.

What's Typically Covered

Claims made as a result of a data breach or cyber-attack. Further, it protects your business if a cyber criminal hacks your network and holds it for ransom.

The Intrepid Direct Difference!

Our coverage protects against 1st and 3rd party claims (with regulatory proceedings), as well as ransom with high limits to match your requirements.

Coverage for your building, inventory, equipment & more.

What's Typically Covered

Protects the structure itself, the inventory inside, your equipment and even your business income when damaged or lost after fires, tornadoes, thefts and more.

The Intrepid Direct Difference!

We love keeping things practical. So we offer franchisee’s the option to “blanket” their property coverage. And, while most insurance companies take whatever limit is on your current policy and plop it on your future one, we evaluate your property limit each year by referencing your brand-specific FDD, your data, and the average property values of all brand locations across the country. This way, you’re not under- or over-insured.

Defends against suits related to personnel management, peer, or customer disputes.

What's Typically Covered

Wrongful termination, wage & hour disputes, discrimination, and sexual harassment are all covered under our EPL policy.

The Intrepid Direct Difference!

Many policies on the marketplace are segmented, riddled with loopholes (like attorney fees) and low limits. This policy is packaged to cover all of your major risks — and costs — associated with employment practices.

Protection for you and your business against normal and expected losses.

What's Typically Covered

Coverage protection for your business against bodily injury and property damage claims from third parties.

The Intrepid Direct Difference!

If you want to go above-and-beyond your franchisor requirements, we offer extensions and add-ons. If you prefer to “up” your limit, we can do that.

Insures the vehicles your business needs in order to operate.

What's Typically Covered

Comprehensive, collision, and liability coverage for company-owned vehicles in addition to legal liability for property damage or bodily injury in at-fault accidents involving employee-owned vehicles used while on the job.

The Intrepid Direct Difference!

Although you may not have delivery operations, employees may pitch in and run errands when needed. Intrepid Direct’s auto policy includes protection for hired and non-owned vehicles. This means liability exposure from cars your business does not directly own, the people operating them, and the damage they may cause are covered should something happen when used for work-related tasks.

Takes care of your most valuable assets in the event they are injured on the job.

What's Typically Covered

Lost wages and medical benefits for both you and your employees due to workplace injuries and illnesses.

The Intrepid Direct Difference!

It’s not only our responsibility to insure your business, but to help you manage the costs of doing so. We offer telemedicine services through MedCall Advisors – a 24/7 hotline that can triage incidents, perform post-injury drug screenings, can prescribe medication, and will file the first notice of loss documentation on your behalf.