FRANCHISE RESTAURANT INSURANCE
Now that’s the Recipe.
Delivery
Restaurants
For restaurants with a delivery focus, Intrepid Direct’s bundled approach includes Hired & Non Owned Auto, solving one of the biggest headaches of your insurance needs.
Quick Service
Restaurants
Quick Service (QSR) and Fast Casual restaurants can benefit from our direct approach that minimizes time spent in the quoting process while maximizing your bottom line.
Business insurance designed for restaurant franchise owners. Savings of up to 20% are always on the menu when going direct.
Direct Insurance 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
Our simple application takes 10 minutes and you can get an insurance quote in as little as 48 hours.
Restaurant Franchise Experts
Providing a focused product portfolio that is specific to your restaurant brand requirements means a better understanding of your needs.
No-Fee Payment Options, Including Credit Cards!
Request Your Restaurant Quote Today!
Intrepid Direct insures over 13,000 of the nation’s top franchise brand locations. We are the leading direct insurance provider in the U.S. specializing in property and casualty insurance for franchise businesses.
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 restaurant business insurance experience our customers have ever received.
Redefining the Insurance Experience for Restaurant Owners
Intrepid Direct offers restaurants savings, control, and expertise.
Dedicated to your restaurants: claims, service, and underwriting
Complete, Customizable Restaurant Insurance Coverage
We start with the coverage your franchisor requires. Then, we work with you and your data to serve up one simple, yet specific, reliable, and affordable plan.
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Hired & Non-Owned Auto
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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! Intrepid Direct's policy provides liability coverage for hired and non-owned vehicles, the employees operating them, and the damage they may cause should something happen when an employee is performing work duties. |
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General Liability
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Protection for you and your business against normal and expected losses. 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! If you want to go above-and-beyond your franchisor requirements, we offer extensions and add-ons. If you prefer to “up” your limit, or if your brand requires Cyber coverage for example, we can do that. |
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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! We offer franchisees the option to “blanket” their property coverage. And, while most insurance companies take whatever limit is on your current policy and copy it over to your future one, we evaluate your property limit each year by referencing your brand-specific FDD, your data, and the average property values of all brand locations across the country. This way, you don’t have to worry about being under- or over-insured. |
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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. The Intrepid Direct Difference! Our expert team works with you to ensure all vehicles are properly covered. |
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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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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 your major risks — and costs — associated with employment practices. |
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Umbrella
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Works with your liability coverages to provide extra protection for large severity claims, ensuring you have adequate protection when you need it most. What's Typically Covered Think of your umbrella policy as an extension of your general 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 your entire operation, not just one piece. 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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Our customer renewal rate is 93% year-over-year – significantly above the industry average
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Customer 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 business owners minimize risk and maximize their bottom line.
From coverage to convenience, our minds are continuously thinking of our customers.
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