Independent Restaurant Insurance

Coverage arising out of your business operations, including protection for the products and 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 product or service. This also includes on-premises accidents involving customers. 

The Intrepid Direct Difference 

We have built-in coverage extensions designed to cover the risk of operating a restaurant.

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

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.

Insures the liability from employee-owned vehicles when used for business operations. 

What's Typically Covered 

Protects your business against claims of property damage and bodily injury caused by employees using their own autos while out for delivery. 

The Intrepid Direct Difference 

If eligible, you can utilize our innovative pay-as-you-go delivery insurance program, to enjoy greater flexibility and convenience in managing your business insurance.

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.

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.

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.