BODY SHOPS | COLLISION SHOPS

Bundled Insurance Policies for Auto Repair Shop Owners

Our dedicated garage team is ready to turn a wrench on your insurance.

Business insurance designed for body shop owners. Saving you up to 20% on your insurance!

I-Car Gold-certified? You can save even more!

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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 an insurance quote in as little as 48 hours.

Easy Process

Auto Repair Shop Insurance Experts

Loaner vehicles? Employee tools? Consider them (and more) covered.
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Franchisor Approved

Are you a franchise owner? No problem. We will work to ensure your insurance package meets your brand requirements.

Expect Savings. That’s Our Policy.

Start Your Quote Today!

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I-Car Sustaining Partner Logo

If you are an I-CAR Gold-certified shop, you’ve made a substantial commitment to safety and quality. We value that and think you should be rewarded for keeping our friends, family, and communities safe while on the road and while on your premise. That’s why we — the only insurance-providing I-CAR® Sustaining Partner™ — offer you an additional 20% discount on your business insurance.

Call today to see how much you could save.

An Insurance Provider You Can Actually Rely On

Our team of property and casualty insurance experts and auto-aftermarket claims professionals understand the challenges you face, and can actually help you fix them.

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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 10,000+ locations across the U.S.

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Repeat Customers

Turns out, business owners like what we have to offer. 93% of our customers renew year-over-year.
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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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"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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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. 

Our Affiliates, Partners, and Memberships

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 shop owners across the nation.
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Intrepid Direct insures over 10,000 business locations nationwide. We specialize in property and casualty insurance for body shop owners, from a single location to hundreds.

CCG: Certified Collision Group Logo
I-Car Sustaining Partner Logo
CCA Logo
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Intrepid Insurance Company is rated A+ (Superior) Financial Size Category XV by A.M. Best1

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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% on their premiums by going direct, cutting out agent commissions

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We’re a member company of W. R. Berkley Corporation (ranked #371 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 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 collision shops need. Then, work with you and your data to fine-tune one simple, yet specific, reliable, and affordable plan.

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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.

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.

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.

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.

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.

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.

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.

What People Are Saying

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 customers 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 Certified)
"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 Certified)
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 Certified)
"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 Certified)

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