What Is Direct Insurance?

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.

The Traditional Insurance Model

Most business insurance is sold through an agent or broker. An agent represents and is licensed to sell for a specific insurance company or companies. There are two types of insurance agents: captive agents and independent agents. Captive agents represent a single insurance company and may be employed directly by the insurance company or work as an independent contractor. Independent agents can represent multiple insurance providers and be licensed to sell for each provider.

Brokers do not actually sell insurance, they are the middleman between a customer and an insurance company. They will help shop for and compare insurance plans from multiple insurance providers. This can typically lead to fragmented business insurance split up between numerous insurance companies – each company responsible for a piece of the pie, which can also lead to gaps in coverage.


Agent and Broker Commissions

Both agents and brokers are generally paid via a commission, which is determined from a percentage of the policy premium they sell. The commission rate is negotiated with each insurance company they sell policies for, and the insurance company will include the commission in the policy premium itself; the customer does not see how much this commission actually is, but it’s typically at least 15-20%.


How “Direct” Insurance Differs from the Traditional Model

Instead of going through an agent or broker, direct insurance means you work directly with the insurance provider, saving you the cost of the agent or broker’s commission. When you cut out the middleman, that means the insurance company can pass those savings on to you in the form of lower premiums and more money available for claim payments. What could you do with 20% of your policy premium if it’s in your pocket?

Going direct also means only YOU can access the low rates because you are bypassing the commission and fees. Regular insurance agents and brokers aren’t able to offer these lowered rates on insurance coverages because they can’t sell a direct insurance company’s policy.

Graphic of a traditional insurance model where the broker is the middle man between a business owner and their insurance policies.
Graphic showing what a direct insurance model is: business owners work directly with the insurance provider.

All Your Insurance Needs in One Place

With a direct insurance provider, all services are provided by one group. This includes claims, billing, customer service, and underwriting. All teams are working together for the customer’s best interest vs the best interest of the brokerage or agency. And because there’s no middleman, you’re able to get the answers you need, quickly, by working directly with the insurer.

Graphic showing that direct insurance means you are working directly with the insurance company.


Direct insurance companies are a one-stop shop, which means coverages can be bundled into a single policy. That leads to less paperwork, streamlined billing, and the peace of mind you are properly covered. This can reduce or even completely eliminate the common frustrations within the 200-year-old industry because there are no games, and no last-minute quotes or renewals.

Intrepid Direct
Agents & Brokers


Save on Costs, Commissions

One-Stop Shop (Claims, Service, Underwriting)

Financial Strength

Comparison of Other Insurance Rates

Experts In Your Industry

Bundled Packages

Fast Quotes

Easy Applications

A+ Superior by A.M. Best!


Pay Your Premium by Credit Card w/ No Fees

Pay Your Premium in 12 Equal Payments

Pay-As-You-Go Option for Work Comp


Association Support & Conference Participation

30-Day Renewal Proposal

Day-to-Day Service — One Point of Contact


Claims Portal Self Service

Claims Trend Review

Weather Alerts & Analytics

Emergency Response Hotline

What Makes Us the Leader in Direct-to-Consumer Insurance

We believe the insurance industry can do better, that’s why we’ve redefined the process from the ground up. Our goal from day one has been to provide our customers with faster quotes, easier applications, lower costs, better service, a smoother claims process, and more value that directly impacts your bottom line.



When you work with an agent or broker, it’s a gamble on if they or the insurance company is an expert in your industry. Some agents, brokers, and even insurance companies work under a “one-size-fits-all” mentality, which could leave your business under- or over-insured.

At Intrepid Direct, we’re not everything to everyone. We immerse ourselves in the industries we serve to truly understand our customer’s risks and insurance needs. We began with a focus on franchise industries but have expanded into industries that benefit from our direct-to-consumer model. This focus allows us to specialize in the needs of our customers, make their business insurance experience better, and ensure that our customers are properly protected for their unique needs.

Financial Stability

We are part of a Fortune 500 company listed on the New York Stock Exchange and part of the S&P 500. Our insurance is rated A+ Superior by A.M. Best, an independent credit rating agency that uses qualitative and quantitative measures to assess an insurance company’s ability to pay claims, debts, and other financial obligations in a timely manner. Our financial strength means you can trust us to always be there when you need us most.

Real Savings & Real Service

With Intrepid Direct, you don’t pay commissions AND you get to work with a team dedicated to you and your business insurance needs. Our Client Success Advisors are all licensed in the states we operate in, so you can rest assured we have a knowledgeable team helping you navigate the insurance landscape.

Our expert claims team works with our customers before, during, and after the claim process to offer support and answer questions. Acting as a true partner, Intrepid offers claim solutions tailored to the unique needs of our customers.

And those games we mentioned agents and brokers sometimes play at renewal?… Our re-imagined process makes it possible to get you a quote – even days before expiration!

But don’t just take our word for it, ask any of the thousands of customer locations we insure coast-to-coast. Discover the secret your agent or broker can’t access. Go direct. Save money. That’s the Intrepid Direct difference.

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Discover the Intrepid Direct difference – starting with a personalized quote – and find out how much you can save by going direct!