COMMERCIAL INSURANCE FOR FIREHOUSE SUBS OWNERS
Our insurance pricing is fire.
Saving 20% on your insurance premiums is as easy as climbing a ladder!
Business insurance designed and bundled for Firehouse Subs franchise owners.
No Agent or Broker Fees
Hassle-Free Quoting
We have four simple qualification questions and can get you quote in as little as 48 hours. It’s that simple.
Fee-Free Premium Payments
Unlike other carriers, we offer the ability to spread your premium over your policy term with monthly payments. What’s better? We don’t charge finance fees! What could you do with all of the extra savings?
QSR Insurance Experts
Savings Is One Click Away!
Redefining the Insurance Experience for Restaurant Owners
Intrepid Direct offers restaurants savings, control, and expertise.
Experts In Your Business
We’ve partnered with the restaurant industry’s top educators, influencers, and innovators — this partnership ensures our solutions are fine-tuned for business owners like you.
Intrepid Direct insures over 10,000 of top franchise restaurant brand locations across America. This experience has led us to be the leading direct insurance provider in the nation specializing in property and casualty insurance.
What Owners Like You Are Saying
Read first hand from other franchise restaurant owners about their experience working with Intrepid Direct.
One-Stop Shop
We’re direct, but in a good way. Meaning you’ll still get that personal touch dedicated to your business and available to help you every step of the way.
With Intrepid Direct, we’re a one-stop shop, so you get an entire team all under one roof that collaborates with you to ensure you receive a complete insurance program. You’ll have a licensed Intrepid Direct Client Relationship Executive, a dedicated Client Success Advisor who walks you through the policy binding process and provides ongoing support, and a Claims team member (if and when a claim arises). One dream team working together for all of your insurance needs.
Have questions about the Firehouse Subs insurance program? Your dedicated Relationship Manager is happy to help.
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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
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.
Coverage Built With Your Firehouse Subs Location In Mind
We took our experience and knowledge from the restaurant industry, listened to franchisees, and created a policy designed to best protect a Firehouse Subs location.
Our bundled approach to coverage speeds up quoting, minimizes paperwork, and maximizes the response when you need us most. Plus, all of your policies are in one place, so you can spend less time digging through all of your paperwork, and more time on your business
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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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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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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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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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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.
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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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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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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