Coffee Shop & Bakery Insurance Built for Busy Owners
You’ve built a business that fuels mornings and brightens days — your insurance should give you that same confidence. With Intrepid Direct, you get clear coverage, quick responses, and a team that knows the restaurant business inside and out.
From single locations to multi-unit coffee shops, cafes, and bakeries, we make protecting what you’ve built simple, direct, and reliable.
Insurance Made Simple, Savings Made Clear
No traditional agents or brokers. No waiting. No guesswork. We specialize in restaurant insurance, so your policy fits your world — not someone else’s. From fast quotes to responsive claims, we make the process easy and transparent.
Direct Insurance That Keeps Up
You know great results come from keeping things simple and direct. That’s why we’ve reimagined restaurant business insurance — removing the middleman and putting you in control. With Intrepid Direct, you get tailored coverage, transparent pricing, and a team that understands what it takes to run a thriving coffee shop, cafe or bakery.
FRANCHISE-EXPERIENCED INSURANCE
Protection Designed for Franchise Operators
For franchisees, whether you’re opening your first location or adding your tenth, our franchise experience helps you stay compliant and confident.
Request a Quote
You’ve got enough on your plate — let’s make insurance one less thing to worry about. Get a clear, competitive quote from a team that understands your business. Curious about how much coffee shop, cafe or bakery insurance will cost if you cut out the middleman? Request a quote today and discover how affordable coverage can be when you go direct.
Claims Handled by Restaurant Specialists
When something goes wrong, you shouldn’t have to explain your business from scratch. Our claims team specializes in restaurant operations, guiding you from first notice to resolution with responsive communication and industry know-how.
Resources for Coffee Shop and Bakery Business Insurance
Understanding Social Inflation and Its Impact on Insurance Rates
As a business owner or franchisee, you understand the importance of protecting your assets through comprehensive insurance coverage. However, with rising insurance rates, it's essential to understand the underlying factors contributing to the increased cost of premiums.
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.
“Open and Obvious” Defense Law in Michigan Slips and Falls Into Line with Most Other States
Many people mistakenly believe that when someone slips or trips and falls, the property owner must compensate the claimant for any injuries simply because the accident occurred on the business’s property¹. However, injured parties actually must prove several legal elements in court before they are entitled to recovery for their damages.
Theft & How To Protect Your Business From It
No business owner wants to think they may be a target of theft or burglary, but unfortunately, these events can and do happen. That’s why it is essential for businesses to have an adequate commercial insurance policy that will cover them if something like this occurs. But what exactly should you look for when it comes to your commercial insurance policy?
Protecting Your Commercial Property During Storms
As a business owner, protecting your property should be one of your top priorities. From Spring storms to Summer downpours, Mother Nature can cause considerable damage to commercial properties if you are not adequately prepared. And, with the unpredictable weather patterns we are currently faced with, it’s more important than ever to know how best to protect your investments from costly damage.
