ExpectBetter. That's Our Policy.

Direct makes THE difference for your business insurance needs.

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Industries We Serve

Intrepid Direct helps business owners in our dedicated industries simplify and save on their insurance needs by working directly with us, the insurance provider.
Brown icon of a fork and knife. Icon represents direct insurance for franchise restaurants.
Restaurant
Franchises
Red icons of equipment used at auto garages.
Auto
Aftermarket
Blue geometric icon of weights. Icon represents direct insurance for franchise gyms and fitness studios.
Gyms & Fitness
Studios
Orange icon in the shape of a box delivery truck. Icon represents direct insurarnce for last mile delivery businesses.
Last Mile
Delivery
Green cannabis leaf. Icon represents direct insurance for cannabis retailers and dispensaries.
Cannabis
Dispensaries
Light blue geometric shape representing a roof. Icon representing direct insurance for roofing contractors.
Roofing
Contractors

The Intrepid Direct Difference

We’ve made the business insurance experience better. Here’s how we’re different than your current agent:
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Direct Is THE Difference

Save up to 20% by cutting out the middleman. As a direct provider, Intrepid has the ability to make decisions quickly and the flexibility to listen to your personalized needs.
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Experts In Your Business

We’re not everything to everyone. We immerse ourselves in the industries we serve to truly understand a customer’s risks and insurance needs.
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Simplifying The Process Together

From applications, billing, quoting, and claims. We want to save your team time, by offering a better, modern experience throughout the year.
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No Games Or Gimmicks

Working with Intrepid means transparency, no last-minute quotes, and a true partnership. If your current provider does play the last-minute quote game, come to us for a quick comparison and see for yourself the Intrepid Direct difference!

Why Choose Intrepid Direct?

Watch a brief message from founder Bill Strout about how Intrepid Direct was built to improve the business insurance experience for our customers.

Making Life Better for Business.
A+
Intrepid Insurance Company is rated A+ (Superior) Financial Size Category XV by A.M. Best1

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Our customer renewal rate is 93% year-over-year – significantly above the industry average

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Customers can save up to 20% on their premiums by going direct, cutting out agent commissions

#371
We’re a member company of W. R. Berkley Corporation (ranked #371 on the Fortune 500 list)

We Expect Better

Since our company was founded, we have been obsessed with providing a better insurance experience. We’re a partner who’s always thinking about ways to help business owners minimize risk and maximize their bottom line.

From coverage to convenience, our minds are continuously thinking of our customers.

What People Are Saying

Intrepid Direct is trusted by business owners nationwide and by many of the most respected and successful brands in the world. Our goal is to provide the best insurance experience our customers have ever received.
Hear what some of our customers have to say about partnering with Intrepid Direct:
Umar I.
“We’re new to Intrepid Direct, but have had nothing but a good experience so far. As a 70+ location franchise operator, we were looking to save money without sacrificing the standard of service. Intrepid Direct has done just that. Filing a claim online is easy and they get back with you within 24 hours. We would definitely recommend their services to ...
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Umar I.
Jack in the Box franchisee
“We’re new to Intrepid Direct, but have had nothing but a good experience so far. As a 70+ location franchise operator, we were looking to save money without sacrificing the standard of service. Intrepid Direct has done just that. Filing a claim online is easy and they get back with you within 24 hours. We would definitely recommend their services to any size of business.”
Umar I.
Jack in the Box franchisee
Kirk B.
“We had a claim that resulted in our team being displaced from our franchise office. Intrepid Direct’s adjuster handling the claim was outstanding. On top of making all appropriate payments, she was personally involved in making sure we had everything we needed — a much different claims experience than we’d had in the past.”
Kirk B.
Papa John’s franchisee
“We had a claim that resulted in our team being displaced from our franchise office. Intrepid Direct’s adjuster handling the claim was outstanding. On top of making all appropriate payments, she was personally involved in making sure we had everything we needed — a much different claims experience than we’d had in the past.”
Kirk B.
Papa John’s franchisee
Matt C.
“I wonder why we ever used a broker. Our switch to Intrepid Direct has turned out to be one of the best decisions we’ve made concerning our insurance. We’ve found them to be competitive on pricing and exceptionally better on service. The team has gone above and beyond to meet our expectations. A+ for Intrepid Direct. We couldn’...
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Matt C.
Burger King franchisee
“I wonder why we ever used a broker. Our switch to Intrepid Direct has turned out to be one of the best decisions we’ve made concerning our insurance. We’ve found them to be competitive on pricing and exceptionally better on service. The team has gone above and beyond to meet our expectations. A+ for Intrepid Direct. We couldn’t be more satisfied.”
Matt C.
Burger King franchisee
Beth H.
“My experience with Intrepid Direct has been efficient, easy, and seamless from start-to-finish. Their follow up and customer service is fantastic, always answering questions within 24 hours or less. Insurance is usually tedious, intimidating, and cumbersome. But not with Intrepid Direct. The experience has been great, and they even saved me money compared to my previous policy. It’s been a ...
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Beth H.
The Bar Method
“My experience with Intrepid Direct has been efficient, easy, and seamless from start-to-finish. Their follow up and customer service is fantastic, always answering questions within 24 hours or less. Insurance is usually tedious, intimidating, and cumbersome. But not with Intrepid Direct. The experience has been great, and they even saved me money compared to my previous policy. It’s been a win-win-win.”
Beth H.
The Bar Method
Steve H.
"Exceptional value and service. They saved me time and money. True collision experts."
Steve H.
CARSTAR
"Exceptional value and service. They saved me time and money. True collision experts."
Steve H.
CARSTAR
Joel N.
"Intrepid Direct has been a really great experience for us. They've saved us $9K and have provided superb service. Our contact has been "Johnny-on-it." They caught things on our old policy we needed to bolster and pointed out other areas we could flat out eliminate."
Joel N.
1st Class Auto Body (I-CAR Certified)
"Intrepid Direct has been a really great experience for us. They've saved us $9K and have provided superb service. Our contact has been "Johnny-on-it." They caught things on our old policy we needed to bolster and pointed out other areas we could flat out eliminate."
Joel N.
1st Class Auto Body (I-CAR Certified)
Lance L.
"Intrepid Direct explained things in simple terms. I now have replacement cost insurance I never had, added cyber insurance and pollution liability… all that on top of 15% savings."
Lance L.
Performance Collision Centers (I-CAR Certified)
"Intrepid Direct explained things in simple terms. I now have replacement cost insurance I never had, added cyber insurance and pollution liability… all that on top of 15% savings."
Lance L.
Performance Collision Centers (I-CAR Certified)
Gus H.
"For years I convinced myself we would keep our insurance with a local broker - until I realized the best decision for our organization was to switch. Intrepid Direct provided solutions that not only provided more coverage for our family, employees, and company, but also packaged the entire deal with significant savings for our business for this year."
Gus H.
Midas franchisee
"For years I convinced myself we would keep our insurance with a local broker - until I realized the best decision for our organization was to switch. Intrepid Direct provided solutions that not only provided more coverage for our family, employees, and company, but also packaged the entire deal with significant savings for our business for this year."
Gus H.
Midas franchisee
Jeff L.
"We had a solid, 10-year working relationship with our broker. Getting a quote from others always resulted in a lot of effort from our team. So we eventually figured if it wasn't broke, don't fix it. This was our thought process until a trusted dealer recommended we talk with Intrepid Direct. Their ability to bypass the broker's expenses brought our ...
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Jeff L.
Midas franchisee
"We had a solid, 10-year working relationship with our broker. Getting a quote from others always resulted in a lot of effort from our team. So we eventually figured if it wasn't broke, don't fix it. This was our thought process until a trusted dealer recommended we talk with Intrepid Direct. Their ability to bypass the broker's expenses brought our total insurance cost down almost 20% plus we received better coverage that fit our actual needs. Communication has been easy and the claims management process has been excellent. Where most insurance companies would just write a check, Intrepid Direct has disputed our liability and performed professional investigations resulting in the denial of claims against us. Unless your current broker is your brother-law with damaging photos from your bachelor party…or you love the Christmas fruit cake, your time is well-spent getting a quote from Intrepid Direct."
Jeff L.
Midas franchisee
Kelly
"The service I have received so far has been exceptionally professional and head and shoulders above any other insurer with whom I have worked. I cannot recommend this company strongly enough."
Kelly
Take 5 Oil Change franchisee
"The service I have received so far has been exceptionally professional and head and shoulders above any other insurer with whom I have worked. I cannot recommend this company strongly enough."
Kelly
Take 5 Oil Change franchisee

Trustpilot Reviews

Trustpilot is an independent review site that brings businesses and customers together to foster trust and inspire collaboration.

We're proud of our "Excellent" rating and always encourage our customers to provide us feedback so we can further improve our services.