INSURANCE FOR FRANCHISE DELIVERY RESTAURANTS
Take a Bite out of Your Premiums
One location or hundreds, complete coverage for restaurants with a delivery focus.
Insurance coverage customized for restaurant franchisees with delivery drivers. Savings to go — up to 20% on your insurance!
Intrepid Direct insures over 13,000 locations from the nation’s top franchise brands.
Direct-to-Consumer Pricing
Our direct-to-consumer model removes the middleman and their fees, giving you a better product at a more affordable price.
Easy Application Process
Get an insurance quote in as little as 48 hours – our simplified application process takes 10 minutes or less!
Franchisor Approved
Don’t get caught under- or over-insured. We’ve got your FDD and brand data on hand and know what your policy needs to keep you comfortably covered.
Flexible Payment Options
With our flexible payment options, you have 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.
Start Your Quote Today!
Redefining the Insurance Experience for Restaurant Owners
Intrepid Direct offers restaurants savings, control, and expertise.
Work direct and save up to 20%
12 equal monthly payments
One stop shop, even hired and non-owned auto insurance
Restaurant-specific risk management partnerships help you reduce exposure
Dedicated to your restaurants: claims, service, and underwriting
We’ve partnered with the food delivery industry’s top innovators, experts, and thought leaders — making our offerings better, and putting owners back in control of their businesses and schedule.
0+
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.
A+
Intrepid Insurance Company is rated A+ (Superior) Financial Size Category XV by A.M. Best1
%
Our customer renewal rate is 93% year-over-year – significantly above the industry average
%
Customers can save up to 20% on their premiums by going direct, cutting out agent commissions
#367
We're a member company of W. R. Berkley Corporation (ranked #367 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.
Insurance Coverage Designed For Your Business
We took our knowledge of the delivery restaurant industry, listened to franchisees, and reviewed franchisor insurance requirements to offer coverages that not only meet requirements but best protect a franchise restaurant with an emphasis on food delivery.
Our bundled coverage approach is guaranteed to meet your franchisor’s requirements. We take that foundation and work with you and your data to create one simple and affordable plan to protect what matters most.
Did we mention hired & non-owned auto coverage? *Chef’s kiss*, we have you covered.
blank
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. |
 |
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. |
 |
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. |
 |
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. |
 |
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. |
|
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 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. |
 |
What Our Customers 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 delivery insurance experience our customers have ever received.
“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...
Read More
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
"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...
Read More
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
"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
"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 ...
Read More
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
"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...
Read More
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
"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
"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 ...
Read More
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
"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
"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 ...
Read More
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
"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 ...
Read More
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
"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 ...
Read More
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
"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 ...
Read More
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
"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
"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 ...
Read More
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
"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
"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
"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 ...
Read More
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
"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
"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 ...
Read More
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
"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...
Read More
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
"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 ...
Read More
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
"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 ...
Read More
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
"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...
Read More
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
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
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
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
"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
"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 ...
Read More
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
"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
"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...
Read More
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
Direct Insurance + Telematics = More Savings
Intrepid Direct offers an additional 25% discount off our normal hired and non-owned auto policy pricing to customers who implement the Drivosity's telematics program.
With Drivosity, delivery restaurant franchise owners can take control over the end-to-end customer experience. The program is also helpful for attracting and retaining drivers, improving compliance, and increasing tracking/compensation accuracy.
Better Drivers
Speed isn't the goal, safety is.
Lower Claims
Safer drivers means fewer accidents.
Lower Risk
Less risk means lower premiums to cover potential losses.
Direct Savings To You!
More profits to your bottom line.
Related Articles
Preventing Parking Lot Traffic Accidents
Parking lots are busy places, used by employees, customers, and delivery drivers.
Tips for Rainstorm Safety
As torrential rain and powerful storms become increasingly common, it’s more important than ever for business owners to take proactive measures to ensure the...
Top 7 Ways to Deliver Savings on your Insurance Premiums
When holidays approach, the demand for food delivery increases as people look to ease busy demands during the season and let someone else do the cooking.
Preventing Exterior Slips, Trips, and Falls at Your Business
Parking lots and walkways can present the risk of personal injuries and property damage for businesses. Whether you own or lease your commercial property, it’s...
“Open and Obvious” Defense Law in Michigan Slips and Falls Into Line with Most Other States
Many people mistakenly believe that when someone slips or trips and falls, the property owner must compensate the claimant for any injuries simply because the accident...
What Is Direct Insurance?
Direct insurance is the modern approach to commercial insurance. This model means business owners work directly with the insurance provider, versus a traditional agent...
Protecting Your Commercial Property During Storms
As a business owner, protecting your property should be one of your top priorities. From Spring storms to Summer downpours, Mother Nature can cause considerable damage...
Theft & How To Protect Your Business From It
No business owner wants to think they may be a target of theft or burglary, but unfortunately, these events can and do happen. That’s why it is essential for businesses...
Identifying and Addressing the Top Five Food Safety Issues
Keeping your customers safe and healthy is vital to the success of any food service business. Not only is it an ethical responsibility, but it also ensures that...
Understanding Social Inflation and How it Affects Insurance Rates
As a business owner or franchisee, you understand the importance of protecting your assets through comprehensive insurance coverage. However, with rising insurance...