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APPLEPIE CAPITAL & INTREPID DIRECT

Save up to 20% off your business insurance premiums by going direct.

One location or hundreds, we’ve got you covered.
Intrepid Direct’s “direct-to-you” franchise-focused insurance offerings provide you with an alternative to the high-priced agent/broker model.

The value of going direct = faster quotes, easier applications, a smoother claims process, and lower prices.

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Direct Pricing

Get a better product at a lower price. We’ve cut out the middleman — and their fees — saving you time AND money.
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Franchisor Approved

Don’t get caught under- or over-insured. We’ve got your FDD and brand data to keep you comfortably covered.
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Flexible Payment Options

We offer uncommon conveniences, like the ability to pay your premium and deductibles by ACH, check, or credit card… with no fees! You can also break your premium into 12 monthly payments with no finance charges.
Expect Better. That’s Our Policy.

Request Your Quote Today!

What Franchise Owners Are Saying

Intrepid Direct insures over 13,000 of the nation’s top franchise brand locations. We are the leading direct insurance provider in the U.S. specializing in property and casualty insurance for franchise businesses.
Trustpilot
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...
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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...
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Kirk B.
Papa Johns 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 Johns 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...
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Beth H.
The Bar Method franchisee
“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 franchisee
Steve H.
"Exceptional value and service. They saved me time and money. True collision experts."
Steve H.
CARSTAR franchisee
"Exceptional value and service. They saved me time and money. True collision experts."
Steve H.
CARSTAR franchisee
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 ...
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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...
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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
Rick M.
"Intrepid Direct has been a real asset to our quick lube businesses. They deliver a very cost-effective product and coverage for all of our commercial needs with good payment plans. Our insurance costs dropped over 25% year-over-year. The customer service, in every instance, has been excellent. ...
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Rick M.
Valvoline Instant Oil Change franchisee
"Intrepid Direct has been a real asset to our quick lube businesses. They deliver a very cost-effective product and coverage for all of our commercial needs with good payment plans. Our insurance costs dropped over 25% year-over-year. The customer service, in every instance, has been excellent. I've found that they give good, common sense advice on claim situations. The Intrepid adjusters actually investigate and don't automatically pay those questionable third party claims."
Rick M.
Valvoline Instant Oil Change franchisee
Ryan F.
"I met with Intrepid Direct at a business conference. They were very familiar with my Quick Lube business and were able to evaluate my needs and get me a great rate. I have better coverage than I have had with previous companies for less money. ...
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Ryan F.
Valvoline Instant Oil Change franchisee
"I met with Intrepid Direct at a business conference. They were very familiar with my Quick Lube business and were able to evaluate my needs and get me a great rate. I have better coverage than I have had with previous companies for less money. They have always been good to communicate with me about my insurance needs. They keep me up to date about changes that could affect my policy so there are not any surprises. When we've had to get them involved, they were great to work with and handled the situation very well. They took care of us and our customer so that everyone was happy. Over the years I have been in business, I have had several other insurance companies and I can say that Intrepid Direct is one of the best I have worked with."
Ryan F.
Valvoline Instant Oil Change franchisee
JD W.
"Their vertically integrated approach to underwriting, policy administration, and claims processing solved the pain we'd been feeling with our broker. It's no surprise -- their integration has led to efficiencies we'd never experienced until now."
JD W.
Crunch Fitness franchisee
"Their vertically integrated approach to underwriting, policy administration, and claims processing solved the pain we'd been feeling with our broker. It's no surprise -- their integration has led to efficiencies we'd never experienced until now."
JD W.
Crunch Fitness franchisee
Jacob W.
"As a first-time Orangetheory Fitness Franchisee, Intrepid made the process simple. They were very responsive, knowledgeable and ensured I was taken care of. If you're looking for a trusted partner, I would highly recommend Intrepid Direct."
Jacob W.
Orangetheory Fitness franchisee
"As a first-time Orangetheory Fitness Franchisee, Intrepid made the process simple. They were very responsive, knowledgeable and ensured I was taken care of. If you're looking for a trusted partner, I would highly recommend Intrepid Direct."
Jacob W.
Orangetheory Fitness franchisee
Maria H.
"I had received a couple of emails from Intrepid Direct, and as my renewal date came closer, I took the time to investigate what they could do for us. I decided to take a chance and reach out and I'm glad I did. The conversations ...
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Maria H.
Arby's franchisee
"I had received a couple of emails from Intrepid Direct, and as my renewal date came closer, I took the time to investigate what they could do for us. I decided to take a chance and reach out and I'm glad I did. The conversations were quick, the application was simple, the price was right, and their service has been superb. If you're an Arby's franchisee, take the chance. Intrepid Direct can help you save money with a refreshing approach to your business insurance."
Maria H.
Arby's franchisee
Amir A.
"I took a leap and moved my property and casualty insurance to a company I'd never heard of before - Intrepid Direct. I was a bit hesitant at first, but I thought I had nothing to lose by letting them quote. Their...
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Amir A.
Burger King franchisee
"I took a leap and moved my property and casualty insurance to a company I'd never heard of before - Intrepid Direct. I was a bit hesitant at first, but I thought I had nothing to lose by letting them quote. Their quote was much lower than what I was currently paying and their team was pleasant and easy to work with. I've been nothing but impressed by their people, service, and commitment in aligning their company with my business's needs. They are everything they advertise. Every chance I get, I ask people why they haven’t switched yet. Direct isn’t just a buzz word, it truly is the difference."
Amir A.
Burger King franchisee
Ashok M.
"We moved our property, general liability, umbrella, employment practices liability, auto, and workers' compensation insurance to Intrepid Direct this year. It's been smooth and the entire team is easy to work with."
Ashok M.
Burger King franchisee
"We moved our property, general liability, umbrella, employment practices liability, auto, and workers' compensation insurance to Intrepid Direct this year. It's been smooth and the entire team is easy to work with."
Ashok M.
Burger King franchisee
Joel A.
"We recently renewed with Intrepid Direct for our second year. It was a painless process that resulted in another year of savings for us. The people at Intrepid Direct have been a pleasure to work with. They work together as a team to deliver a ...
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Joel A.
Burger King franchisee
"We recently renewed with Intrepid Direct for our second year. It was a painless process that resulted in another year of savings for us. The people at Intrepid Direct have been a pleasure to work with. They work together as a team to deliver a high level of service and support to their customers. The claims management has been great. Their documentation is thorough, they follow-up frequently, and consistently approach claims in a proactive manner. They have been a good resource to help guide our actions with a goal of getting the claim closed in an effective manner. The Intrepid Direct business model is proving to be a cost-effective alternative to traditional risk management options while at the same time, providing first-class customer service."
Joel A.
Burger King franchisee
Mark
"The level of urgency is outstanding. I received timely quotes and the team was ready to respond to my needs quickly."
Mark
Burger King franchisee
"The level of urgency is outstanding. I received timely quotes and the team was ready to respond to my needs quickly."
Mark
Burger King franchisee
Mark B.
"After being with the same insurance company for over thirty years we made the switch two years ago to Intrepid Direct. Three things I can say about the Intrepid team: savings, service and our total satisfaction. In today’s competitive fast food world...
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Mark B.
Domino's franchisee
"After being with the same insurance company for over thirty years we made the switch two years ago to Intrepid Direct. Three things I can say about the Intrepid team: savings, service and our total satisfaction. In today’s competitive fast food world it only makes sense to buy our insurance from a direct provider."
Mark B.
Domino's franchisee
Brian B.
"Not only did we save money by switching to Intrepid Direct, we've found the whole process to be much easier when we've had a claim or just need a question answered. The billing, audit, and claims services are all handled in-house, making it just one ...
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Brian B.
Hardee's franchisee
"Not only did we save money by switching to Intrepid Direct, we've found the whole process to be much easier when we've had a claim or just need a question answered. The billing, audit, and claims services are all handled in-house, making it just one phone call away when any issues arise. Many companies make promises, but we've found Intrepid Direct delivers on everything they've promised. I would highly recommend them!"
Brian B.
Hardee's franchisee
Dean F.
"Utilizing Intrepid Direct significantly enhanced our insurance platform, our business financials, and streamlined the process to drive down loss exposure. The creative model they brought to the table excited our decision to move coverages to Intrepid Direct mid-policy term. Their model delivered pricing that was ...
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Dean F.
Hardee's franchisee
"Utilizing Intrepid Direct significantly enhanced our insurance platform, our business financials, and streamlined the process to drive down loss exposure. The creative model they brought to the table excited our decision to move coverages to Intrepid Direct mid-policy term. Their model delivered pricing that was exceedingly more competitive than traditional insurance markets without forcing our business to jeopardize coverages, deductibles or absorb insurance risk. Not having to manage various insurance companies through a brokerage firm and working with Intrepid Direct has proven successful and simplified the layout of our insurance program. In the duration of time our firm has worked with Intrepid Direct the foundation of a long-term partnership has been constructed. Both Intrepid Direct and our company are working together to achieve the same results. That cohesion of carrier/broker and client did not exist with our former insurance markets and brokerages firms. We feel as if Intrepid Direct sits on the same side of the table as their clients."
Dean F.
Hardee's franchisee
Pawel
"We recently started using Intrepid for our Papa John's Pizza franchise locations. So when looking for coverage for our new Huey Magoo's franchise, we naturally contacted them. Lisa and her team make getting insurance so easy! From quoting to binding her team is responsive and ...
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Pawel
Huey Magoo's franchisee
"We recently started using Intrepid for our Papa John's Pizza franchise locations. So when looking for coverage for our new Huey Magoo's franchise, we naturally contacted them. Lisa and her team make getting insurance so easy! From quoting to binding her team is responsive and so helpful. They even think of things that previous carriers have forgotten about! We love Intrepid and highly recommend them!"
Pawel
Huey Magoo's franchisee
Randall
"Lisa and Devante have very strong communication skills. They are quick to get me everything I need. Highly professional."
Randall
Hungry Howie's franchisee
"Lisa and Devante have very strong communication skills. They are quick to get me everything I need. Highly professional."
Randall
Hungry Howie's franchisee
Navid S.
"Although I had heard of Intrepid Direct, I love the fact that they proactively reached out to us about insuring our Jack in the Box locations. We had been with our insurance agent for a decade and had a deep relationship, so...
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Navid S.
Jack in the Box franchisee
"Although I had heard of Intrepid Direct, I love the fact that they proactively reached out to us about insuring our Jack in the Box locations. We had been with our insurance agent for a decade and had a deep relationship, so changing course was unlikely - but I was willing to hear what they had to offer. I’m so glad I took the call and opened up dialogue with them. They were responsive, extremely transparent about their pricing, it was easy to understand and they were easy to work with. They are one of the insurance industry’s best-kept secrets and a great partner and resource for franchise owners who are looking to save money and receive first-class service."
Navid S.
Jack in the Box franchisee
Jeff W.
"Intrepid Direct has been fabulous to work with. We had used another insurance provider the previous year and were getting quotes for the upcoming year. Ultimately, we decided to go with Intrepid Direct for several reasons. Not only were they the best price, but the ...
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Jeff W.
Jimmy John's franchisee
"Intrepid Direct has been fabulous to work with. We had used another insurance provider the previous year and were getting quotes for the upcoming year. Ultimately, we decided to go with Intrepid Direct for several reasons. Not only were they the best price, but the team we worked with went the extra mile to earn our business. Plus, they made sure we were comparing like-plans. They followed up promptly and always made it a point to provide excellent service by answering all of our questions. The transition was smooth and I appreciate being a client."
Jeff W.
Jimmy John's franchisee
Keith S.
"Two years ago, we had insurance coverage through one of Jimmy John’s-recommended insurance companies. At first, the rates were great. However, less than a month before renewal, we found out that our rates were going to more than triple...
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Keith S.
Jimmy John's franchisee
"Two years ago, we had insurance coverage through one of Jimmy John’s-recommended insurance companies. At first, the rates were great. However, less than a month before renewal, we found out that our rates were going to more than triple. After talking to another Jimmy John’s franchisee, he told us to contact Intrepid. We’re glad we did. Intrepid saved us thousands of dollars and their coverages meet our needs and our franchisors’. Intrepid Direct’s team worked hard to get our coverage bound within 3-5 days. And, when you call, you don't have trouble getting ahold of someone."
Keith S.
Jimmy John's franchisee
Lynn O.
"I deal with a lot of people day-to-day, but Intrepid has always shown such kindness in helping me. I appreciate their personal manner in which they handle my business."
Lynn O.
Jimmy John's franchisee
"I deal with a lot of people day-to-day, but Intrepid has always shown such kindness in helping me. I appreciate their personal manner in which they handle my business."
Lynn O.
Jimmy John's franchisee
Tim S.
"Intrepid Direct has been the only insurance company whose actions align with the consumer. After COVID-19 hit, I was forced to shut down my operations. I was in a pickle. Not only did I have a lease to pay off, but also a franchise agreement ...
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Tim S.
Jimmy John's franchisee
"Intrepid Direct has been the only insurance company whose actions align with the consumer. After COVID-19 hit, I was forced to shut down my operations. I was in a pickle. Not only did I have a lease to pay off, but also a franchise agreement to deal with. Intrepid Direct showed me the consideration I needed when handling the unexpected events that took place. I am grateful for their team and recommend all who are interested in franchising or restaurant operations to consider their wealth of knowledge and expertise. Their level of service is well above the standard for their industry."
Tim S.
Jimmy John's franchisee
Chuck B.
"Intrepid has really been turnkey for my business. They were quick, a price saver, and focused on me, their customer. The move has been virtually seamless and has been worth it!"
Chuck B.
Marco's Pizza franchisee
"Intrepid has really been turnkey for my business. They were quick, a price saver, and focused on me, their customer. The move has been virtually seamless and has been worth it!"
Chuck B.
Marco's Pizza franchisee
Jacob W.
"Intrepid Direct Insurance has been terrific to work with. They have always worked to provide the most affordable rates. Their agents are responsive and thorough. And they have accommodated all of our unique support requests. We are very pleased with their service and look forward ...
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Jacob W.
Marco's Pizza franchisee
"Intrepid Direct Insurance has been terrific to work with. They have always worked to provide the most affordable rates. Their agents are responsive and thorough. And they have accommodated all of our unique support requests. We are very pleased with their service and look forward to our continued partnership."
Jacob W.
Marco's Pizza franchisee
Lisa R.
"I have only been with Intrepid for about a month now, but so far they have been fantastic. I was reluctant to switch insurance companies because I was afraid it would be a huge headache. But they made the transition super easy and were available ...
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Lisa R.
Marco's Pizza franchisee
"I have only been with Intrepid for about a month now, but so far they have been fantastic. I was reluctant to switch insurance companies because I was afraid it would be a huge headache. But they made the transition super easy and were available to answer the numerous questions I had along the way - and never made me feel like a bother. I am so happy I'm now with Intrepid. My only regret is waiting so long to make the switch!"
Lisa R.
Marco's Pizza franchisee
Stephanie M.
"I have been working with Intrepid Direct since opening my first Marco's Pizza in 2018. They have been a dream to work with! Our contact immediately and without fail handles all of my insurance needs. They are extremely knowledgeable and get the proper insurance for my ...
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Stephanie M.
Marco's Pizza franchisee
"I have been working with Intrepid Direct since opening my first Marco's Pizza in 2018. They have been a dream to work with! Our contact immediately and without fail handles all of my insurance needs. They are extremely knowledgeable and get the proper insurance for my businesses. I use Intrepid Direct for every Marco's Pizza location I develop and grow. They are truly the best and provide exceptional service!"
Stephanie M.
Marco's Pizza franchisee
Dean D.
"Intrepid Direct offers very competitive rates and their service is simply top-notch. Our business spans two states. Intrepid Direct has handled it with ease while our last provider just couldn't. Questions are handled quickly and professionally, document requests are received within hours, and response times ...
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Dean D.
Papa Johns franchisee
"Intrepid Direct offers very competitive rates and their service is simply top-notch. Our business spans two states. Intrepid Direct has handled it with ease while our last provider just couldn't. Questions are handled quickly and professionally, document requests are received within hours, and response times are better than we ever expected. We switched all of our insurance over to Intrepid Direct and are quite literally saving a bundle. Definitely a move we should have made sooner. We've recommended them to other franchisees and will continue to do so - it really is a no-brainer. You guys rock!"
Dean D.
Papa Johns franchisee
Kim M.
"The Intrepid Direct team is awesome. They are a true partner to our business and do a great job of helping to mitigate our losses and protect our bottom line."
Kim M.
Papa Johns franchisee
"The Intrepid Direct team is awesome. They are a true partner to our business and do a great job of helping to mitigate our losses and protect our bottom line."
Kim M.
Papa Johns franchisee
Mysti A.
"Even in this world of technology, some things still need to be discussed personally. The ability to talk with an actual person when I need to makes Intrepid stand tall above all the rest. Customer service is their top priority, and it shows in everything ...
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Mysti A.
Papa Johns franchisee
"Even in this world of technology, some things still need to be discussed personally. The ability to talk with an actual person when I need to makes Intrepid stand tall above all the rest. Customer service is their top priority, and it shows in everything they do."
Mysti A.
Papa Johns franchisee
Natalie S.
"The best and easiest insurance company we have ever used in 25 years in the pizza business. The response time is amazing and claim reporting could not be easier."
Natalie S.
Papa Johns franchisee
"The best and easiest insurance company we have ever used in 25 years in the pizza business. The response time is amazing and claim reporting could not be easier."
Natalie S.
Papa Johns franchisee
Nawaz
"We had a great service. We got answers without any delays. Lisa, excellent job."
Nawaz
Papa Johns franchisee
"We had a great service. We got answers without any delays. Lisa, excellent job."
Nawaz
Papa Johns franchisee
Robert F.
"When I started going through the process of looking for insurance, I asked a well-known, well-respected franchisee for a recommendation. Without hesitation, he gave me Intrepid Direct's information. It was one of the best decisions I made for my franchise that year. I was very ...
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Robert F.
Papa Johns franchisee
"When I started going through the process of looking for insurance, I asked a well-known, well-respected franchisee for a recommendation. Without hesitation, he gave me Intrepid Direct's information. It was one of the best decisions I made for my franchise that year. I was very impressed by how easy the process was. After about 10 minutes on the phone, they had all of my information and we were done. It was completely painless. My previous insurance carrier had me doing all these crazy worksheets with about 10 pages of questions with four different companies. I now have one monthly bill instead of three, and it costs me less than before. I always appreciate the great customer service when I have a question or need something. I would enthusiastically recommend Intrepid Direct to any Papa John's franchisee or to anyone who needs insurance for their business."
Robert F.
Papa Johns franchisee
Stan B.
"Intrepid Direct has provided clear and timely communication with all aspects of claims handling and risk management. It's nice to have a partner that understands our needs in risk avoidance and claims resolution."
Stan B.
Papa Johns franchisee
"Intrepid Direct has provided clear and timely communication with all aspects of claims handling and risk management. It's nice to have a partner that understands our needs in risk avoidance and claims resolution."
Stan B.
Papa Johns franchisee
Victor S.
"I would (and have) recommended Intrepid Direct to fellow business owners. They have been an invaluable business partner from day one by securing coverage at an industry-best premium. Their claims department has been amazingly responsive. On top of that, they have the funding to actually ...
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Victor S.
Papa Johns franchisee
"I would (and have) recommended Intrepid Direct to fellow business owners. They have been an invaluable business partner from day one by securing coverage at an industry-best premium. Their claims department has been amazingly responsive. On top of that, they have the funding to actually take care of my team members throughout the rebuild of a restaurant after a flood."
Victor S.
Papa Johns franchisee
Doug
"Alex and Melissa have been great to work with during the proposal and early roll out stage for our companies. Both have a good understanding of franchise business model and appear to be flexible in how we work together. I am looking forward...
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Doug
Pizza Hut franchisee
"Alex and Melissa have been great to work with during the proposal and early roll out stage for our companies. Both have a good understanding of franchise business model and appear to be flexible in how we work together. I am looking forward to becoming familiar with Intrepid’s systems and tools for our business."
Doug
Pizza Hut franchisee
Randy A.
"We recently switched to Intrepid Direct. We were skeptical about going outside the local agents we had been with for years, so we reached out to a few Pizza Hut franchisees we know were Intrepid clients. They all had good things to say. Our transition ...
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Randy A.
Pizza Hut franchisee
"We recently switched to Intrepid Direct. We were skeptical about going outside the local agents we had been with for years, so we reached out to a few Pizza Hut franchisees we know were Intrepid clients. They all had good things to say. Our transition was smooth. We've experienced great communication and the price was right for us. And while we've been lucky to only have a few claims so far, the entire Intrepid Direct team has been awesome to work with. So far, so good. So keep it up!"
Randy A.
Pizza Hut franchisee
Kyle R.
"Working with Intrepid Insurance has been a wonderful change. It starts with the easy online quoting process, and ends with their top level customer service. I enjoy only dealing with one company for all of my coverages, and only having one payment each month. Best ...
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Kyle R.
Jimmy John's franchisee
"Working with Intrepid Insurance has been a wonderful change. It starts with the easy online quoting process, and ends with their top level customer service. I enjoy only dealing with one company for all of my coverages, and only having one payment each month. Best of all, I am saving money as well!"
Kyle R.
Jimmy John's franchisee
Torrey W.
"Shout out to Intrepid Direct Insurance! After I received a substantial increase on my property/liability/auto/work comp, etc. renewal, Intrepid was able to accommodate my quote request which required very little work on my end. Furthermore, they were able to provide...
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Torrey W.
Jimmy John's franchisee
"Shout out to Intrepid Direct Insurance! After I received a substantial increase on my property/liability/auto/work comp, etc. renewal, Intrepid was able to accommodate my quote request which required very little work on my end. Furthermore, they were able to provide 26% in savings using their direct to franchisee model, as Intrepid is the insurance carrier, not a broker. Their service team was very responsive and helpful throughout the process. Intrepid works with franchisee groups so they’re very familiar with our Jimmy John’s insurance requirements. If any operators out there are looking to save on insurance costs with a partner that has great service, my experience with Intrepid Direct has been excellent."
Torrey W.
Jimmy John's franchisee
Malissa M.
Intrepid is a very user friendly company; their online claims submission is extremely useful, and the adjusters are easy to communicate with.
Malissa M.
Domino's franchisee
Intrepid is a very user friendly company; their online claims submission is extremely useful, and the adjusters are easy to communicate with.
Malissa M.
Domino's franchisee
Mac M.
I received value due to competitive premiums. Service has been excellent. All my inquires receive prompt responses.
Mac M.
Domino's franchisee
I received value due to competitive premiums. Service has been excellent. All my inquires receive prompt responses.
Mac M.
Domino's franchisee
Scott R
Always seamless and smooth just like clockwork and no hassles, love it.
Scott R.
Domino's franchisee
Always seamless and smooth just like clockwork and no hassles, love it.
Scott R.
Domino's franchisee
Frank C.
"The relationship manager knew the retail industry extremely well from business operations through processes and procedures. The quote was transparent and provided within 2 weeks of complete data file submitted. This allowed our company to review the policy and ensure our exposures were covered and make ...
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Frank C.
Jack in the Box franchisee
"The relationship manager knew the retail industry extremely well from business operations through processes and procedures. The quote was transparent and provided within 2 weeks of complete data file submitted. This allowed our company to review the policy and ensure our exposures were covered and make a decision well in advance of our renewal date."
Frank C.
Jack in the Box franchisee
Mike H.
"Fast Easy Affordable. This team is all over it, fast service, great communication, amazing pricing, knowledge is over the top perfection. Super happy, super excited. Hope to be a life time client."
Mike H.
Jimmy John's franchisee
"Fast Easy Affordable. This team is all over it, fast service, great communication, amazing pricing, knowledge is over the top perfection. Super happy, super excited. Hope to be a life time client."
Mike H.
Jimmy John's franchisee
Jill R.
"Everyone that I have worked with at Intrepid for the last couple of years have been extremely professional, knowledgeable and responds quickly to all my insurance needs for my business. They also have very competitive pricing compared to other companies I have worked with in ...
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Jill R.
Jimmy John's franchisee
"Everyone that I have worked with at Intrepid for the last couple of years have been extremely professional, knowledgeable and responds quickly to all my insurance needs for my business. They also have very competitive pricing compared to other companies I have worked with in the past."
Jill R.
Jimmy John's franchisee
Margot B.
"Extremely good customer service. Multiple employees went out of their way to provide me with excellent customer service. I am particularly pleased with how quickly the team and the underwriters were able to bind my coverage.".
Margot B.
Jimmy John's franchisee
"Extremely good customer service. Multiple employees went out of their way to provide me with excellent customer service. I am particularly pleased with how quickly the team and the underwriters were able to bind my coverage.".
Margot B.
Jimmy John's franchisee
Jacole M.
"Lisa... need I say more ?! She has been so amazing from the start! She gives me reminders when I need them. She explains things in detail when I have questions. I also love that your prices have been significantly lower than...
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Jacole M.
Marco's Pizza franchisee
"Lisa... need I say more?! She has been so amazing from the start! She gives me reminders when I need them. She explains things in detail when I have questions. I also love that your prices have been significantly lower than the competitor….but Lisa definitely seals the deal! Thank you!!!"
Jacole M.
Marco's Pizza franchisee

Growth As Easy As ApplePie

Intrepid Direct is proud to partner with ApplePie Capital to help franchisees save money on commercial insurance.

Learn from ApplePie’s Ron Feldman and Intrepid Direct’s Alex Whittit about what franchisees need to know in order to effectively manage the costs associated with their business insurance premiums.

What We Have vs. Our Competitors

Intrepid Direct offers franchise owners savings, control, and expertise.

Z

Work direct and save up to 20%

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12 equal monthly payments

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One-stop shop for all coverages, claims, and questions

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Franchise-specific risk management partnerships help you reduce exposure

A+
Intrepid Insurance Company is rated A+ (Superior) Financial Size Category XV by A.M. Best1
93%
Our customer renewal rate is 93% year-over-year – significantly above the industry average
20%
Customers can save up to 20% on their premiums by going direct, cutting out agent commissions

#340

We're a member company of W. R. Berkley Corporation (ranked #340 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.