FRANCHISE RESTAURANT INSURANCE

Lower Cost. Better Service.
Now that’s the Recipe.
One location or hundreds, we’ve got you covered.

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.

Light Brown circular icon of the phrase "Direct Difference Pricing" in the middle

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.

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Easy Process

Our simple application takes 10 minutes and you can get an insurance quote in as little as 48 hours.

Tan colored circular badge with the words "Franchise Experts" in the middle.

Restaurant Franchise Experts

Providing a focused product portfolio that is specific to your restaurant brand requirements means a better understanding of your needs.

Sand colored circle with the words "Flexible Options" and and arrows in the center.

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.
Expect Better. That’s Our Policy.

Request Your Restaurant Quote Today!

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Our Restaurant 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 franchise restaurant 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 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 clients have ever received.

Umar I.
“We’re new to Intrepid Direct, but have had nothing but a good experience so far. As a 70+ location franchise operator, we were looking to save money without sacrificing the standard of service. Intrepid Direct has done just that. Filing...
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Umar I.
Jack in the Box franchisee
“We’re new to Intrepid Direct, but have had nothing but a good experience so far. As a 70+ location franchise operator, we were looking to save money without sacrificing the standard of service. Intrepid Direct has done just that. Filing a claim online is easy and they get back with you within 24 hours. We would definitely recommend their services to any size of business.”
Umar I.
Jack in the Box franchisee
Kirk B.
“We had a claim that resulted in our team being displaced from our franchise office. Intrepid Direct’s adjuster handling the claim was outstanding. On top of making all appropriate payments, she was personally involved in making sure we had everything we needed...
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Kirk B.
Papa Johns franchisee
“We had a claim that resulted in our team being displaced from our franchise office. Intrepid Direct’s adjuster handling the claim was outstanding. On top of making all appropriate payments, she was personally involved in making sure we had everything we needed — a much different claims experience than we’d had in the past.”
Kirk B.
Papa Johns franchisee
Maria H.
"I had received a couple of emails from Intrepid Direct, and as my renewal date came closer, I took the time to investigate what they could do for us. I decided to take a chance and reach out and I'm glad I did. The conversations ...
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Maria H.
Arby's franchisee
"I had received a couple of emails from Intrepid Direct, and as my renewal date came closer, I took the time to investigate what they could do for us. I decided to take a chance and reach out and I'm glad I did. The conversations were quick, the application was simple, the price was right, and their service has been superb. If you're an Arby's franchisee, take the chance. Intrepid Direct can help you save money with a refreshing approach to your business insurance."
Maria H.
Arby's franchisee
Amir A.
"I took a leap and moved my property and casualty insurance to a company I'd never heard of before - Intrepid Direct. I was a bit hesitant at first, but I thought I had nothing to lose by letting them quote. Their...
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Amir A.
Burger King franchisee
"I took a leap and moved my property and casualty insurance to a company I'd never heard of before - Intrepid Direct. I was a bit hesitant at first, but I thought I had nothing to lose by letting them quote. Their quote was much lower than what I was currently paying and their team was pleasant and easy to work with. I've been nothing but impressed by their people, service, and commitment in aligning their company with my business's needs. They are everything they advertise. Every chance I get, I ask people why they haven’t switched yet. Direct isn’t just a buzz word, it truly is the difference."
Amir A.
Burger King franchisee
Ashok M.
"We moved our property, general liability, umbrella, employment practices liability, auto, and workers' compensation insurance to Intrepid Direct this year. It's been smooth and the entire team is easy to work with."
Ashok M.
Burger King franchisee
"We moved our property, general liability, umbrella, employment practices liability, auto, and workers' compensation insurance to Intrepid Direct this year. It's been smooth and the entire team is easy to work with."
Ashok M.
Burger King franchisee
Joel A.
"We recently renewed with Intrepid Direct for our second year. It was a painless process that resulted in another year of savings for us. The people at Intrepid Direct have been a pleasure to work with. They work together as a team to deliver a ...
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Joel A.
Burger King franchisee
"We recently renewed with Intrepid Direct for our second year. It was a painless process that resulted in another year of savings for us. The people at Intrepid Direct have been a pleasure to work with. They work together as a team to deliver a high level of service and support to their customers. The claims management has been great. Their documentation is thorough, they follow-up frequently, and consistently approach claims in a proactive manner. They have been a good resource to help guide our actions with a goal of getting the claim closed in an effective manner. The Intrepid Direct business model is proving to be a cost-effective alternative to traditional risk management options while at the same time, providing first-class customer service."
Joel A.
Burger King franchisee
Mark
"The level of urgency is outstanding. I received timely quotes and the team was ready to respond to my needs quickly."
Mark
Burger King franchisee
"The level of urgency is outstanding. I received timely quotes and the team was ready to respond to my needs quickly."
Mark
Burger King franchisee
Mark B.
"After being with the same insurance company for over thirty years we made the switch two years ago to Intrepid Direct. Three things I can say about the Intrepid team: savings, service and our total satisfaction. In today’s competitive fast food world...
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Mark B.
Domino's franchisee
"After being with the same insurance company for over thirty years we made the switch two years ago to Intrepid Direct. Three things I can say about the Intrepid team: savings, service and our total satisfaction. In today’s competitive fast food world it only makes sense to buy our insurance from a direct provider."
Mark B.
Domino's franchisee
Brian B.
"Not only did we save money by switching to Intrepid Direct, we've found the whole process to be much easier when we've had a claim or just need a question answered. The billing, audit, and claims services are all handled in-house, making it just one ...
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Brian B.
Hardee's franchisee
"Not only did we save money by switching to Intrepid Direct, we've found the whole process to be much easier when we've had a claim or just need a question answered. The billing, audit, and claims services are all handled in-house, making it just one phone call away when any issues arise. Many companies make promises, but we've found Intrepid Direct delivers on everything they've promised. I would highly recommend them!"
Brian B.
Hardee's franchisee
Dean F.
"Utilizing Intrepid Direct significantly enhanced our insurance platform, our business financials, and streamlined the process to drive down loss exposure. The creative model they brought to the table excited our decision to move coverages to Intrepid Direct mid-policy term. Their model delivered pricing that was ...
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Dean F.
Hardee's franchisee
"Utilizing Intrepid Direct significantly enhanced our insurance platform, our business financials, and streamlined the process to drive down loss exposure. The creative model they brought to the table excited our decision to move coverages to Intrepid Direct mid-policy term. Their model delivered pricing that was exceedingly more competitive than traditional insurance markets without forcing our business to jeopardize coverages, deductibles or absorb insurance risk. Not having to manage various insurance companies through a brokerage firm and working with Intrepid Direct has proven successful and simplified the layout of our insurance program. In the duration of time our firm has worked with Intrepid Direct the foundation of a long-term partnership has been constructed. Both Intrepid Direct and our company are working together to achieve the same results. That cohesion of carrier/broker and client did not exist with our former insurance markets and brokerages firms. We feel as if Intrepid Direct sits on the same side of the table as their clients."
Dean F.
Hardee's franchisee
Pawel
"We recently started using Intrepid for our Papa John's Pizza franchise locations. So when looking for coverage for our new Huey Magoo's franchise, we naturally contacted them. Lisa and her team make getting insurance so easy! From quoting to binding her team is responsive and ...
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Pawel
Huey Magoo's franchisee
"We recently started using Intrepid for our Papa John's Pizza franchise locations. So when looking for coverage for our new Huey Magoo's franchise, we naturally contacted them. Lisa and her team make getting insurance so easy! From quoting to binding her team is responsive and so helpful. They even think of things that previous carriers have forgotten about! We love Intrepid and highly recommend them!"
Pawel
Huey Magoo's franchisee
Randall
"Lisa and Devante have very strong communication skills. They are quick to get me everything I need. Highly professional."
Randall
Hungry Howie's franchisee
"Lisa and Devante have very strong communication skills. They are quick to get me everything I need. Highly professional."
Randall
Hungry Howie's franchisee
Navid S.
"Although I had heard of Intrepid Direct, I love the fact that they proactively reached out to us about insuring our Jack in the Box locations. We had been with our insurance agent for a decade and had a deep relationship, so...
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Navid S.
Jack in the Box franchisee
"Although I had heard of Intrepid Direct, I love the fact that they proactively reached out to us about insuring our Jack in the Box locations. We had been with our insurance agent for a decade and had a deep relationship, so changing course was unlikely - but I was willing to hear what they had to offer. I’m so glad I took the call and opened up dialogue with them. They were responsive, extremely transparent about their pricing, it was easy to understand and they were easy to work with. They are one of the insurance industry’s best-kept secrets and a great partner and resource for franchise owners who are looking to save money and receive first-class service."
Navid S.
Jack in the Box franchisee
Jeff W.
"Intrepid Direct has been fabulous to work with. We had used another insurance provider the previous year and were getting quotes for the upcoming year. Ultimately, we decided to go with Intrepid Direct for several reasons. Not only were they the best price, but the ...
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Jeff W.
Jimmy John's franchisee
"Intrepid Direct has been fabulous to work with. We had used another insurance provider the previous year and were getting quotes for the upcoming year. Ultimately, we decided to go with Intrepid Direct for several reasons. Not only were they the best price, but the team we worked with went the extra mile to earn our business. Plus, they made sure we were comparing like-plans. They followed up promptly and always made it a point to provide excellent service by answering all of our questions. The transition was smooth and I appreciate being a client."
Jeff W.
Jimmy John's franchisee
Keith S.
"Two years ago, we had insurance coverage through one of Jimmy John’s-recommended insurance companies. At first, the rates were great. However, less than a month before renewal, we found out that our rates were going to more than triple...
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Keith S.
Jimmy John's franchisee
"Two years ago, we had insurance coverage through one of Jimmy John’s-recommended insurance companies. At first, the rates were great. However, less than a month before renewal, we found out that our rates were going to more than triple. After talking to another Jimmy John’s franchisee, he told us to contact Intrepid. We’re glad we did. Intrepid saved us thousands of dollars and their coverages meet our needs and our franchisors’. Intrepid Direct’s team worked hard to get our coverage bound within 3-5 days. And, when you call, you don't have trouble getting ahold of someone."
Keith S.
Jimmy John's franchisee
Lynn O.
"I deal with a lot of people day-to-day, but Intrepid has always shown such kindness in helping me. I appreciate their personal manner in which they handle my business."
Lynn O.
Jimmy John's franchisee
"I deal with a lot of people day-to-day, but Intrepid has always shown such kindness in helping me. I appreciate their personal manner in which they handle my business."
Lynn O.
Jimmy John's franchisee
Tim S.
"Intrepid Direct has been the only insurance company whose actions align with the consumer. After COVID-19 hit, I was forced to shut down my operations. I was in a pickle. Not only did I have a lease to pay off, but also a franchise agreement ...
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Tim S.
Jimmy John's franchisee
"Intrepid Direct has been the only insurance company whose actions align with the consumer. After COVID-19 hit, I was forced to shut down my operations. I was in a pickle. Not only did I have a lease to pay off, but also a franchise agreement to deal with. Intrepid Direct showed me the consideration I needed when handling the unexpected events that took place. I am grateful for their team and recommend all who are interested in franchising or restaurant operations to consider their wealth of knowledge and expertise. Their level of service is well above the standard for their industry."
Tim S.
Jimmy John's franchisee
Chuck B.
"Intrepid has really been turnkey for my business. They were quick, a price saver, and focused on me, their customer. The move has been virtually seamless and has been worth it!"
Chuck B.
Marco's Pizza franchisee
"Intrepid has really been turnkey for my business. They were quick, a price saver, and focused on me, their customer. The move has been virtually seamless and has been worth it!"
Chuck B.
Marco's Pizza franchisee
Jacob W.
"Intrepid Direct Insurance has been terrific to work with. They have always worked to provide the most affordable rates. Their agents are responsive and thorough. And they have accommodated all of our unique support requests. We are very pleased with their service and look forward ...
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Jacob W.
Marco's Pizza franchisee
"Intrepid Direct Insurance has been terrific to work with. They have always worked to provide the most affordable rates. Their agents are responsive and thorough. And they have accommodated all of our unique support requests. We are very pleased with their service and look forward to our continued partnership."
Jacob W.
Marco's Pizza franchisee
Lisa R.
"I have only been with Intrepid for about a month now, but so far they have been fantastic. I was reluctant to switch insurance companies because I was afraid it would be a huge headache. But they made the transition super easy and were available ...
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Lisa R.
Marco's Pizza franchisee
"I have only been with Intrepid for about a month now, but so far they have been fantastic. I was reluctant to switch insurance companies because I was afraid it would be a huge headache. But they made the transition super easy and were available to answer the numerous questions I had along the way - and never made me feel like a bother. I am so happy I'm now with Intrepid. My only regret is waiting so long to make the switch!"
Lisa R.
Marco's Pizza franchisee
Stephanie M.
"I have been working with Intrepid Direct since opening my first Marco's Pizza in 2018. They have been a dream to work with! Our contact immediately and without fail handles all of my insurance needs. They are extremely knowledgeable and get the proper insurance for my ...
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Stephanie M.
Marco's Pizza franchisee
"I have been working with Intrepid Direct since opening my first Marco's Pizza in 2018. They have been a dream to work with! Our contact immediately and without fail handles all of my insurance needs. They are extremely knowledgeable and get the proper insurance for my businesses. I use Intrepid Direct for every Marco's Pizza location I develop and grow. They are truly the best and provide exceptional service!"
Stephanie M.
Marco's Pizza franchisee
Dean D.
"Intrepid Direct offers very competitive rates and their service is simply top-notch. Our business spans two states. Intrepid Direct has handled it with ease while our last provider just couldn't. Questions are handled quickly and professionally, document requests are received within hours, and response times ...
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Dean D.
Papa Johns franchisee
"Intrepid Direct offers very competitive rates and their service is simply top-notch. Our business spans two states. Intrepid Direct has handled it with ease while our last provider just couldn't. Questions are handled quickly and professionally, document requests are received within hours, and response times are better than we ever expected. We switched all of our insurance over to Intrepid Direct and are quite literally saving a bundle. Definitely a move we should have made sooner. We've recommended them to other franchisees and will continue to do so - it really is a no-brainer. You guys rock!"
Dean D.
Papa Johns franchisee
Kim M.
"The Intrepid Direct team is awesome. They are a true partner to our business and do a great job of helping to mitigate our losses and protect our bottom line."
Kim M.
Papa Johns franchisee
"The Intrepid Direct team is awesome. They are a true partner to our business and do a great job of helping to mitigate our losses and protect our bottom line."
Kim M.
Papa Johns franchisee
Mysti A.
"Even in this world of technology, some things still need to be discussed personally. The ability to talk with an actual person when I need to makes Intrepid stand tall above all the rest. Customer service is their top priority, and it shows in everything ...
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Mysti A.
Papa Johns franchisee
"Even in this world of technology, some things still need to be discussed personally. The ability to talk with an actual person when I need to makes Intrepid stand tall above all the rest. Customer service is their top priority, and it shows in everything they do."
Mysti A.
Papa Johns franchisee
Natalie S.
"The best and easiest insurance company we have ever used in 25 years in the pizza business. The response time is amazing and claim reporting could not be easier."
Natalie S.
Papa Johns franchisee
"The best and easiest insurance company we have ever used in 25 years in the pizza business. The response time is amazing and claim reporting could not be easier."
Natalie S.
Papa Johns franchisee
Nawaz
"We had a great service. We got answers without any delays. Lisa, excellent job."
Nawaz
Papa Johns franchisee
"We had a great service. We got answers without any delays. Lisa, excellent job."
Nawaz
Papa Johns franchisee
Robert F.
"When I started going through the process of looking for insurance, I asked a well-known, well-respected franchisee for a recommendation. Without hesitation, he gave me Intrepid Direct's information. It was one of the best decisions I made for my franchise that year. I was very ...
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Robert F.
Papa Johns franchisee
"When I started going through the process of looking for insurance, I asked a well-known, well-respected franchisee for a recommendation. Without hesitation, he gave me Intrepid Direct's information. It was one of the best decisions I made for my franchise that year. I was very impressed by how easy the process was. After about 10 minutes on the phone, they had all of my information and we were done. It was completely painless. My previous insurance carrier had me doing all these crazy worksheets with about 10 pages of questions with four different companies. I now have one monthly bill instead of three, and it costs me less than before. I always appreciate the great customer service when I have a question or need something. I would enthusiastically recommend Intrepid Direct to any Papa John's franchisee or to anyone who needs insurance for their business."
Robert F.
Papa Johns franchisee
Stan B.
"Intrepid Direct has provided clear and timely communication with all aspects of claims handling and risk management. It's nice to have a partner that understands our needs in risk avoidance and claims resolution."
Stan B.
Papa Johns franchisee
"Intrepid Direct has provided clear and timely communication with all aspects of claims handling and risk management. It's nice to have a partner that understands our needs in risk avoidance and claims resolution."
Stan B.
Papa Johns franchisee
Victor S.
"I would (and have) recommended Intrepid Direct to fellow business owners. They have been an invaluable business partner from day one by securing coverage at an industry-best premium. Their claims department has been amazingly responsive. On top of that, they have the funding to actually ...
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Victor S.
Papa Johns franchisee
"I would (and have) recommended Intrepid Direct to fellow business owners. They have been an invaluable business partner from day one by securing coverage at an industry-best premium. Their claims department has been amazingly responsive. On top of that, they have the funding to actually take care of my team members throughout the rebuild of a restaurant after a flood."
Victor S.
Papa Johns franchisee
Doug
"Alex and Melissa have been great to work with during the proposal and early roll out stage for our companies. Both have a good understanding of franchise business model and appear to be flexible in how we work together. I am looking forward...
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Doug
Pizza Hut franchisee
"Alex and Melissa have been great to work with during the proposal and early roll out stage for our companies. Both have a good understanding of franchise business model and appear to be flexible in how we work together. I am looking forward to becoming familiar with Intrepid’s systems and tools for our business."
Doug
Pizza Hut franchisee
Randy A.
"We recently switched to Intrepid Direct. We were skeptical about going outside the local agents we had been with for years, so we reached out to a few Pizza Hut franchisees we know were Intrepid clients. They all had good things to say. Our transition ...
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Randy A.
Pizza Hut franchisee
"We recently switched to Intrepid Direct. We were skeptical about going outside the local agents we had been with for years, so we reached out to a few Pizza Hut franchisees we know were Intrepid clients. They all had good things to say. Our transition was smooth. We've experienced great communication and the price was right for us. And while we've been lucky to only have a few claims so far, the entire Intrepid Direct team has been awesome to work with. So far, so good. So keep it up!"
Randy A.
Pizza Hut franchisee
Kyle R.
"Working with Intrepid Insurance has been a wonderful change. It starts with the easy online quoting process, and ends with their top level customer service. I enjoy only dealing with one company for all of my coverages, and only having one payment each month. Best ...
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Kyle R.
Jimmy John's franchisee
"Working with Intrepid Insurance has been a wonderful change. It starts with the easy online quoting process, and ends with their top level customer service. I enjoy only dealing with one company for all of my coverages, and only having one payment each month. Best of all, I am saving money as well!"
Kyle R.
Jimmy John's franchisee
Torrey W.
"Shout out to Intrepid Direct Insurance! After I received a substantial increase on my property/liability/auto/work comp, etc. renewal, Intrepid was able to accommodate my quote request which required very little work on my end. Furthermore, they were able to provide...
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Torrey W.
Jimmy John's franchisee
"Shout out to Intrepid Direct Insurance! After I received a substantial increase on my property/liability/auto/work comp, etc. renewal, Intrepid was able to accommodate my quote request which required very little work on my end. Furthermore, they were able to provide 26% in savings using their direct to franchisee model, as Intrepid is the insurance carrier, not a broker. Their service team was very responsive and helpful throughout the process. Intrepid works with franchisee groups so they’re very familiar with our Jimmy John’s insurance requirements. If any operators out there are looking to save on insurance costs with a partner that has great service, my experience with Intrepid Direct has been excellent."
Torrey W.
Jimmy John's franchisee
Malissa M.
Intrepid is a very user friendly company; their online claims submission is extremely useful, and the adjusters are easy to communicate with.
Malissa M.
Domino's franchisee
Intrepid is a very user friendly company; their online claims submission is extremely useful, and the adjusters are easy to communicate with.
Malissa M.
Domino's franchisee
Mac M.
I received value due to competitive premiums. Service has been excellent. All my inquires receive prompt responses.
Mac M.
Domino's franchisee
I received value due to competitive premiums. Service has been excellent. All my inquires receive prompt responses.
Mac M.
Domino's franchisee
Scott R
Always seamless and smooth just like clockwork and no hassles, love it.
Scott R.
Domino's franchisee
Always seamless and smooth just like clockwork and no hassles, love it.
Scott R.
Domino's franchisee
Amos D.
"Amazing experience all around! Lisa and Team have been a pleasure to work with since the beginning. They have been patient and have taken the time to explain everything in detail!"
Amos D.
Donatos franchisee
"Amazing experience all around! Lisa and Team have been a pleasure to work with since the beginning. They have been patient and have taken the time to explain everything in detail!"
Amos D.
Donatos franchisee
Frank C.
"The relationship manager knew the retail industry extremely well from business operations through processes and procedures. The quote was transparent and provided within 2 weeks of complete data file submitted. This allowed our company to review the policy and ensure our exposures were covered and make ...
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Frank C.
Jack in the Box franchisee
"The relationship manager knew the retail industry extremely well from business operations through processes and procedures. The quote was transparent and provided within 2 weeks of complete data file submitted. This allowed our company to review the policy and ensure our exposures were covered and make a decision well in advance of our renewal date."
Frank C.
Jack in the Box franchisee
Mike H.
"Fast Easy Affordable. This team is all over it, fast service, great communication, amazing pricing, knowledge is over the top perfection. Super happy, super excited. Hope to be a life time client."
Mike H.
Jimmy John's franchisee
"Fast Easy Affordable. This team is all over it, fast service, great communication, amazing pricing, knowledge is over the top perfection. Super happy, super excited. Hope to be a life time client."
Mike H.
Jimmy John's franchisee
Jill R.
"Everyone that I have worked with at Intrepid for the last couple of years have been extremely professional, knowledgeable and responds quickly to all my insurance needs for my business. They also have very competitive pricing compared to other companies I have worked with in ...
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Jill R.
Jimmy John's franchisee
"Everyone that I have worked with at Intrepid for the last couple of years have been extremely professional, knowledgeable and responds quickly to all my insurance needs for my business. They also have very competitive pricing compared to other companies I have worked with in the past."
Jill R.
Jimmy John's franchisee
Margot B.
"Extremely good customer service. Multiple employees went out of their way to provide me with excellent customer service. I am particularly pleased with how quickly the team and the underwriters were able to bind my coverage.".
Margot B.
Jimmy John's franchisee
"Extremely good customer service. Multiple employees went out of their way to provide me with excellent customer service. I am particularly pleased with how quickly the team and the underwriters were able to bind my coverage.".
Margot B.
Jimmy John's franchisee
Jacole M.
"Lisa ... need I say more ?! She has been so amazing from the start! She gives me reminders when I need them. She explains things in detail when I have questions. I also love that your prices have been significantly lower than...
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Jacole M.
Marco's Pizza franchisee
"Lisa... need I say more?! She has been so amazing from the start! She gives me reminders when I need them. She explains things in detail when I have questions. I also love that your prices have been significantly lower than the competitor….but Lisa definitely seals the deal! Thank you!!!"
Jacole M.
Marco's Pizza franchisee
Mike S.
"Intrepid always provides great personalized customer service! The rates are affordable and I trust that we are in good hands, if we ever needed to file a claim. They have even followed up after severe weather to ensure our property wasn’t damaged....
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Mike S.
Scooter's Coffee franchisee
"Intrepid always provides great personalized customer service! The rates are affordable and I trust that we are in good hands, if we ever needed to file a claim. They have even followed up after severe weather to ensure our property wasn’t damaged. I have never received this level of service from an insurance company!"
Mike S.
Scooter's Coffee franchisee
Ann S.
"The implementation was handled quickly and efficiently. We were in a time crunch and the account management team understood the urgency and were very responsive. The Intrepid claims team have been very responsive in meeting our insurance needs."
Ann S.
Carl's Jr. franchisee
"The implementation was handled quickly and efficiently. We were in a time crunch and the account management team understood the urgency and were very responsive. The Intrepid claims team have been very responsive in meeting our insurance needs."
Ann S.
Carl's Jr. franchisee
Sean E.
"Claims experience is great! Always quick to reply to questions and overall very helpful."
Sean E.
Domino's franchisee
"Claims experience is great! Always quick to reply to questions and overall very helpful."
Sean E.
Domino's franchisee
Chuck S.
"Intrepid has excellent rates, but also is very easy and efficient to work with. They are outstanding!"
Chuck S.
Jack in the Box franchisee
"Intrepid has excellent rates, but also is very easy and efficient to work with. They are outstanding!"
Chuck S.
Jack in the Box franchisee
Erica K.
"Super easy to work with and fast turnaround! From the first contact for a quote to policy issue was just a matter of days. Stephven was great to work with - he sent me a questionnaire, got me a quote and got the policy set-up ...
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Erica K.
Jimmy John's franchisee
"Super easy to work with and fast turnaround! From the first contact for a quote to policy issue was just a matter of days. Stephven was great to work with - he sent me a questionnaire, got me a quote and got the policy set-up right away, no issues and no run-around. I'm very happy with the process!"
Erica K.
Jimmy John's franchisee
Ryan F.
"My experience with Intrepid has been seamless! They are responsive and knowledgeable."
Ryan F.
Jimmy John's franchisee
"My experience with Intrepid has been seamless! They are responsive and knowledgeable."
Ryan F.
Jimmy John's franchisee
Eric A.
"Extremely quick and knowledgeable people. Responsive with requests for changes. Top notch."
Eric A.
Marco's Pizza franchisee
"Extremely quick and knowledgeable people. Responsive with requests for changes. Top notch."
Eric A.
Marco's Pizza franchisee
Bo K.
"Easy to work with. Professional but personable. Quality coverage at a great price."
Bo K.
Papa Johns franchisee
"Easy to work with. Professional but personable. Quality coverage at a great price."
Bo K.
Papa Johns franchisee

Redefining the Insurance Experience for Restaurant Owners

Intrepid Direct offers restaurants savings, control, and expertise.

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Work direct and save up to 20%
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12 equal monthly payments
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One stop shop, even hired and non-owned auto insurance
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Restaurant-specific risk management partnerships help you reduce exposure
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Dedicated to your restaurants: claims, service, and underwriting

Complete, Customizable Restaurant Insurance Coverage

We took our knowledge of the restaurant industry, listened to franchisees, and reviewed franchisor insurance requirements to offer coverages that not only meet requirements but best protect a franchise restaurant.
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 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

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.

General Liability

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.

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!

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.

Automobile

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.

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.

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 your major risks — and costs — associated with employment practices.

Umbrella

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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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 business owners minimize risk and maximize their bottom line.

From coverage to convenience, our minds are continuously thinking of our clients.

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