Garage Insurance: Tailored Protection for Your Business

Pays for damage or theft to a customer’s vehicle while in your care, custody or control.

What's Typically Covered 

Depending on the coverage you choose (“legal liability” or “direct primary”), things like hail, fender benders, stolen vehicles, and more are covered — even when it’s your not fault. 

The Intrepid Direct Difference 

The number of vehicles in and out of your shop can change daily. That’s why we provide an $500,000 legal liability extension to make sure your bases are covered, no matter the day.

Coverage arising out of your business operations and automobile hazards, including protection for the products and services offered.

What's Typically Covered 

Costs associated with property damage (vehicles included), bodily injury and more if a customer, vendor, or other makes a claim against your workmanship or service. 

The Intrepid Direct Difference 

At Intrepid Direct, our policies include "customer complaint defense" and "technician errors and omissions" coverage — something not-so-standard in your typical liability package.

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 liability for property damage or bodily injury in accidents involving employee-owned or hired vehicles used while on the job. 

The Intrepid Direct Difference

Loaner vehicles are included in automobile coverage when you have a policy through Intrepid Direct.

Coverage for your scheduled building, equipment, stock of parts, business interruption, employee tools, and more.

What's Typically Covered 

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

The Intrepid Direct Difference

Our standard policy includes $25,000 to cover the cost of any stolen or damaged employee tools with the option to add on more as needed. And, in the event you experience a "total loss," we'll give you an additional 25% above your scheduled building value, if needed, at time of loss, plus any profit lost and the cost of employee wages up to a year to get your business back on its feet.

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

What's Typically Covered 

Wrongful termination, wage and 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 crisks — and costs — associated with employment practices.

Umbrella insurance enhances your liability protection by offering coverage that exceeds the limits of your primary policies.

What's Typically Covered 

Think of your umbrella policy as an extension of your general liability and auto liability policies. It covers the same basic things, but provides an additional limit in the event your needs exceed what’s covered in your “general” policies. 

The Intrepid Direct Difference 

More often than not, customers find our umbrella more competitive than the market. 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 costs can be higher to protect against unknown underwriting risk. So, with no 3rd parties in our equation, we do not need to account for the unknown underwriting risk.

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, prescribe medication, and will file the first notice of loss documentation on your behalf.

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 

Insurance companies are requiring higher cyber liability limits of their Direct Repair Program (DRP) partners. Because of this, our coverage protects against first and third party claims (with regulatory proceedings), as well as ransom with high limits to match your requirements.

Provides coverage in the event of a hazardous material clean up, remediation, or litigation support.

What's Typically Covered 

Costs associated with hiring a qualified team to remove a pollutant from impacted areas, such as your facility, groundwater, or soil.

The Intrepid Direct Difference 

Most insurance companies stop at clean up. Intrepid Direct’s policy goes a step further in protecting your business by covering fines and/or litigation associated with the damages caused by the hazardous material.