Direct Business Insurance For Garage Owners
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Save Money - Go Direct
Save up to 20% by cutting out the middleman. As a direct provider, we can make decisions quickly and we have the flexibility to listen to your personalized needs.
We're Experts in Garagekeepers Coverage
We are immersed in the automotive industry and understand your risk and insurance needs. We’re also licensed in all 50 states and insure 2,000+ garage locations nationwide.
No Games Or Gimmicks
Working with Intrepid Direct means transparency, no last-minute quotes, and a true partnership. If your current provider plays the last-minute quote game, come to us for a quick comparison!
We're Obsessed With Better
We’re a partner who’s always thinking about shop owners and how to minimize risk and maximize their bottom line.
Hear From Other Garage Owners
Intrepid Direct is trusted by automotive garage owners nationwide. Our expertise gives us a direct advantage over the competition.
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Our customer renewal rate is 93% year-over-year – significantly above the industry average
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Customers 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 customers.
Complete, Customizable 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 garage owners need. Then, work with you and your data to fine-tune one simple, yet specific, reliable, and affordable plan.
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Garagekeepers Liability
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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. |
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General & Garage Liability
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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. |
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Automobile
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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. |
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Property
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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. |
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Employment Practices Liability (EPL)
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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. |
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Umbrella
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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. |
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Workers’ Compensation
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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. |
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Cyber Liability
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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. |
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Pollution Liability
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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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