Gyms & Fitness Studios Insurance Solutions

Coverage for allegations of sexual misconduct. 

What's Typically Covered 

Coverage for every covered loss for employees who inflicts actual, alleged or threatened abuse, molestation, or exploitation onto another person, during work hours. 

The Intrepid Direct Difference 

This is typically a harder coverage to place, Intrepid Direct’s fitness insurance package provides this essential protection.

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.

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.

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 

We offer a suite of insurance products to address your business insurance needs, including cyber liability.

Coverage for your scheduled building, equipment, inventory, business interruption, and more.  

What's Typically Covered 

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

The Intrepid Direct Difference 

We offer franchisees the option to “blanket” your property coverage, this allows a limit cushion of protection to account for the continued inflation of property values.

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 your coverage risks — and costs — associated with employment practices.

Coverage arising out of your business operations, including protection for services offered. 

What's Typically Covered 

Costs associated with property damage, bodily injury, and more if a customer, supplier, or other party makes a claim against your services. This also includes on-premises accidents involving customers. 

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, or if your brand requires Cyber Liability coverage, for example, 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 liability for property damage or bodily injury in accidents involving employee-owned or hired vehicles used while on the job. 

The Intrepid Direct Difference 

Our packaged approach to coverage allows our automobile coverage to work with our other Intrepid Direct policies to ensure a seamless claims handling experience.

Take 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.