GARAGE INSURANCE FOR AUTO BODY & AUTO REPAIR SHOPS

Is Your “Check Insurance” Light On?

Our dedicated garage team is ready to turn a wrench on your insurance.
Collision Shops
Intrepid Direct covers everything your collision shop needs in a single comprehensive policy — from quote to claim, we’ve got you covered.
Service Shops
Whether you repair transmissions or exhausts, or you offer oil changes, we have a bundled policy that can save you time and money.
Business insurance designed for Collision shops and Service shops. Saving up to 20% on your insurance is now as easy as an oil change!
Red circlular badge with the words " Direct Difference Pricing" in the center.

Direct Pricing

Get a better product at a lower price. We’ve cut out the middleman, creating a leaner, simpler, and faster experience while passing the savings on to you.

Easy Process

Easy Process

Our simple application takes 10 minutes and you can get a garage insurance quote in as little as 48 hours.
Flexible payment options

No-Fee Payment Options, Including Credit Cards!

We offer uncommon conveniences, like the ability to pay your premium and deductibles by ACH, check, or credit card — with no fees! You can also break your premium into 12 monthly payments with no finance charges.

Red circular badge with the words "Garage Experts" and a wrench in the middle.

Collision & Service Shop Insurance Experts

Loaner vehicles? Employee tools? Consider them (and more) covered.
Expect Better. That’s Our Policy.

Start Your Quote Today!

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True Automotive Experts

We’re plugged in with the industry’s top educators, influencers, and innovators — making sure our solutions are better, faster, and smarter for auto body repair and service shop owners across the nation.
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Intrepid Direct insures over 13,000 of the nation’s top franchise brand locations. We are the only direct insurance provider in the U.S. specializing in property and casualty insurance for franchise businesses.

Why Direct Insurance

We understand the challenges you face, and through our direct insurance model, and our auto-aftermarket team of experts, we can actually help you fix them!

We're a one-stop stop to help with all of your business insurance needs. And because there’s no middleman, you’re able to get the answers you need, quickly, by working directly with us.

An Insurance Provider You Can Actually Rely On

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No Introductory Pricing

Our direct model allows us to keep your premiums competitive year-over-year and save up to 20% by cutting out agent commissions. This way, we can build on our relationship vs. your rate.
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Experts In Your Business

We are not everything to everyone, we are immersed in your industry and understand your risk and insurance need. We're also licensed in all 50 states and insure 13,000+ locations across the U.S.

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Repeat Clients

Turns out, business owners like what we have to offer. 93% of our clients renew year-over-year.
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"In It" For The Long Haul

As a member company of Fortune 500 W.R. Berkley Corporation, we're not a fly-by-night insurer. We've got the financial pedigree to stick by your side today and for years to come.
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We Keep Our Promises

Intrepid Insurance Company is rated by A.M. Best A+ (Superior)1, which means our ability to pay claims in a timely manner is top-rated.
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Highly Recommended

A large percentage of our new business comes by way of referral from another shop. Check out our reviews and you will see why. 

Excellent Rated Service

Intrepid Direct is trusted by business owners nationwide and by many of the most respected and successful brands in the world. Our goal is to provide the best insurance experience our clients have ever received.

Steve H.
"Exceptional value and service. They saved me time and money. True collision experts."
Steve H.
CARSTAR
"Exceptional value and service. They saved me time and money. True collision experts."
Steve H.
CARSTAR
Joel N.
"Intrepid Direct has been a really great experience for us. They've saved us $9K and have provided superb service. Our contact has been "Johnny-on-it." They caught things on our old policy we needed to bolster and pointed out other areas we could flat out eliminate."
Joel N.
1st Class Auto Body (I-CAR Gold Class shop)
"Intrepid Direct has been a really great experience for us. They've saved us $9K and have provided superb service. Our contact has been "Johnny-on-it." They caught things on our old policy we needed to bolster and pointed out other areas we could flat out eliminate."
Joel N.
1st Class Auto Body (I-CAR Gold Class shop)
Lance L.
"Intrepid Direct explained things in simple terms. I now have replacement cost insurance I never had, added cyber insurance and pollution liability … all that on top of 15% savings ."
Lance L.
Performance Collision Centers (I-CAR Gold Class shop)
"Intrepid Direct explained things in simple terms. I now have replacement cost insurance I never had, added cyber insurance and pollution liability… all that on top of 15% savings."
Lance L.
Performance Collision Centers (I-CAR Gold Class shop)
Gus H.
"For years I convinced myself we would keep our insurance with a local broker - until I realized the best decision for our organization was to switch. Intrepid Direct provided solutions that not only provided more coverage for our family, employees, and company, but also ...
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Gus H.
Midas franchisee
"For years I convinced myself we would keep our insurance with a local broker - until I realized the best decision for our organization was to switch. Intrepid Direct provided solutions that not only provided more coverage for our family, employees, and company, but also packaged the entire deal with significant savings for our business for this year."
Gus H.
Midas franchisee
Jeff L.
"We had a solid, 10-year working relationship with our broker. Getting a quote from others always resulted in a lot of effort from our team. So we eventually figured if it wasn't broke, don't fix it. This was our thought...
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Jeff L.
Midas franchisee
"We had a solid, 10-year working relationship with our broker. Getting a quote from others always resulted in a lot of effort from our team. So we eventually figured if it wasn't broke, don't fix it. This was our thought process until a trusted dealer recommended we talk with Intrepid Direct. Their ability to bypass the broker's expenses brought our total insurance cost down almost 20% plus we received better coverage that fit our actual needs. Communication has been easy and the claims management process has been excellent. Where most insurance companies would just write a check, Intrepid Direct has disputed our liability and performed professional investigations resulting in the denial of claims against us. Unless your current broker is your brother-law with damaging photos from your bachelor party…or you love the Christmas fruit cake, your time is well-spent getting a quote from Intrepid Direct."
Jeff L.
Midas franchisee
Kelly
"The service I have received so far has been exceptionally professional and head and shoulders above any other insurer with whom I have worked. I cannot recommend this company strongly enough."
Kelly
Take 5 Oil Change franchisee
"The service I have received so far has been exceptionally professional and head and shoulders above any other insurer with whom I have worked. I cannot recommend this company strongly enough."
Kelly
Take 5 Oil Change franchisee
Rick M.
"Intrepid Direct has been a real asset to our quick lube businesses. They deliver a very cost-effective product and coverage for all of our commercial needs with good payment plans. Our insurance costs dropped over 25% year-over-year. The customer service, in every instance, has been excellent. ...
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Rick M.
Valvoline Instant Oil Change franchisee
"Intrepid Direct has been a real asset to our quick lube businesses. They deliver a very cost-effective product and coverage for all of our commercial needs with good payment plans. Our insurance costs dropped over 25% year-over-year. The customer service, in every instance, has been excellent. I've found that they give good, common sense advice on claim situations. The Intrepid adjusters actually investigate and don't automatically pay those questionable third party claims."
Rick M.
Valvoline Instant Oil Change franchisee
Ryan F.
"I met with Intrepid Direct at a business conference. They were very familiar with my Quick Lube business and were able to evaluate my needs and get me a great rate. I have better coverage than I have had with previous companies for less money. ...
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Ryan F.
Valvoline Instant Oil Change franchisee
"I met with Intrepid Direct at a business conference. They were very familiar with my Quick Lube business and were able to evaluate my needs and get me a great rate. I have better coverage than I have had with previous companies for less money. They have always been good to communicate with me about my insurance needs. They keep me up to date about changes that could affect my policy so there are not any surprises. When we've had to get them involved, they were great to work with and handled the situation very well. They took care of us and our customer so that everyone was happy. Over the years I have been in business, I have had several other insurance companies and I can say that Intrepid Direct is one of the best I have worked with."
Ryan F.
Valvoline Instant Oil Change franchisee
Karla S.
"Nick was so very helpful, great at explaining and answering questions. I was referred by another body shop owner and I have already called to tell him thank you. I will tell other shop owners as well. Thank you too Tawny, great job!"
Karla S.
Collision Paint & Repair (I-CAR Gold Class shop)
"Nick was so very helpful, great at explaining and answering questions. I was referred by another body shop owner and I have already called to tell him thank you. I will tell other shop owners as well. Thank you too Tawny, great job!"
Karla S.
Collision Paint & Repair (I-CAR Gold Class shop)
Judy H.
"Our representative really knows and cares about our business!!"
Judy H.
Georgia Paint & Body (I-CAR Gold Class shop)
"Our representative really knows and cares about our business!!"
Judy H.
Georgia Paint & Body (I-CAR Gold Class shop)
Sherrie H.
"EXCELLENT! Tawny S., your representative, was very prompt and courteous. Answered all my questions in a timely manner. Stayed connected. Renewal went smoothly because of her help."
Sherrie H.
Hansen's Collision Specialist (I-CAR Gold Class shop)
"EXCELLENT! Tawny S., your representative, was very prompt and courteous. Answered all my questions in a timely manner. Stayed connected. Renewal went smoothly because of her help."
Sherrie H.
Hansen's Collision Specialist (I-CAR Gold Class shop)
Scott W.
"Representatives were quick to respond, follow-up, and ask sensible questions regarding the whole insuring process. The quotes were VERY competitive against other insurers."
Scott W.
Meineke franchisee
"Representatives were quick to respond, follow-up, and ask sensible questions regarding the whole insuring process. The quotes were VERY competitive against other insurers."
Scott W.
Meineke franchisee
Robin
"5***** Insurance Company. Great response times. They always answer their phones and provide you with knowledgeable answers. Reasonable pricing. Also highly recommend."
Robin
Hauck's Collision Inc
"5***** Insurance Company. Great response times. They always answer their phones and provide you with knowledgeable answers. Reasonable pricing. Also highly recommend."
Robin
Hauck's Collision Inc
Ryan F.
"A great insurance company to partner with. Intrepid Direct is a great company to work with. They are very quick to respond to my questions and needs. When we have had issues arise they have been good to work with and have made dealing with ...
Read More
Ryan F.
Valvoline Instant Oil Change franchisee
"A great insurance company to partner with. Intrepid Direct is a great company to work with. They are very quick to respond to my questions and needs. When we have had issues arise they have been good to work with and have made dealing with difficult situations much easier."
Ryan F.
Valvoline Instant Oil Change franchisee
Ryan F.
"Intrepid Direct has been great to work with. They made the claims process easy. Once I filed the claim they pretty much handled everything else."
Ryan F.
Valvoline Instant Oil Change franchisee
"Intrepid Direct has been great to work with. They made the claims process easy. Once I filed the claim they pretty much handled everything else."
Ryan F.
Valvoline Instant Oil Change franchisee
Carlos O.
"Good communication."
Carlos O.
CARSTAR franchisee
"Good communication."
Carlos O.
CARSTAR franchisee
Matthew M.
"Being able to assist in such a fast time with great rates"
Matthew M.
Maaco franchisee
"Being able to assist in such a fast time with great rates"
Matthew M.
Maaco franchisee
Rick H.
"Nick and Tawny were awesome!"
Rick H.
Fix Auto franchisee
"Nick and Tawny were awesome!"
Rick H.
Fix Auto franchisee
Kris S.
"Nick was great gathering all our information and following up with changes that were needed. Very smooth process changing all our insurance needs over."
Kris S.
SpeeDee franchisee
"Nick was great gathering all our information and following up with changes that were needed. Very smooth process changing all our insurance needs over."
Kris S.
SpeeDee franchisee
Jose H.
"Intrepid was great to work with. Very professional and responded quickly to any questions or concerns I had. Highly recommend them."
Jose H.
Grease Monkey franchisee
"Intrepid was great to work with. Very professional and responded quickly to any questions or concerns I had. Highly recommend them."
Jose H.
Grease Monkey franchisee
Kamran M.
"Tye was great. Very responsive and was able to answer all of my insurance related questions."
Kamran M.
Midas franchisee
"Tye was great. Very responsive and was able to answer all of my insurance related questions."
Kamran M.
Midas franchisee
Karla S.
"Great service providers, I am so excited! Nick was so very helpful, great at explaining and answering questions. I was referred by another body shop owner and I have already called to tell him thank you. I will tell other shop owners as well. Thank ...
Read More
Karla S
Collision Paint & Repair, LLC (I-CAR Gold Class shop)
"Great service providers, I am so excited! Nick was so very helpful, great at explaining and answering questions. I was referred by another body shop owner and I have already called to tell him thank you. I will tell other shop owners as well. Thank you too Tawny, great job."
Karla S
Collision Paint & Repair, LLC (I-CAR Gold Class shop)

Complete, Customizable, Garage Insurance Coverage

We understand the automotive industry and how to work with garage owners like you to offer the proper protection.

And did we mention convenient? Our bundled approach to coverage speeds up quoting, minimizes paperwork, and maximizes the response when you need us most.

We start with the coverage types and limits automotive shops need, like garagekeepers and garage liability. Then, work with you and your data to fine-tune one simple, yet specific, reliable, and affordable plan.

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Garagekeepers Liability

Pays for damage or theft to a customer’s vehicle while within your possession.

What's Typically Covered

Depending upon 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 fault.

The Intrepid Direct Difference!

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

General & Garage Liability

Protection for you and your business against the normal and expected.

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 garage package.

Automobile

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.

Property

Coverage for your building, inventory, equipment & more.

What's Typically Covered

Protects the structure itself, the inventory inside, 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 $25k 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 back on your feet.

Employment Practices Liability (EPL)

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

What's Typically Covered

Wrongful termination, wage & 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 major risks — and costs — associated with employment practices.

Umbrella

Works with your liability coverages to cover large severity claims, so you have adequate protection when you need it most.

What's Typically Covered

Think of your umbrella policy as an extension of your general, garage, 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 rates to be lower than our competitors. 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 rates are often padded to protect against unknown underwriting risk. So, with no 3rd parties in our equation, we don’t need to mark up your rate to cover the 3rd-party risk.

Workers’ Compensation

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

Cyber Liability

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 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.

Pollution Liability

Helps out in the event a hazardous material needs 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.

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Intrepid Insurance Company is rated A+ (Superior) Financial Size Category XV by A.M. Best1

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Our client renewal rate is 93% year-over-year – significantly above the industry average

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Clients can save up to 20% off their premiums by going direct, cutting out agent commissions

#340

We’re a member company of W. R. Berkley Corporation (ranked #340 on the Fortune 500 list)

We Expect Better

Since our company was founded, we have been obsessed with providing a better insurance experience. We're a partner who's always thinking about ways to help garage business owners minimize risk and maximize their bottom line.

From coverage to convenience, our minds are always on the move for our clients.

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