FRANCHISE GYMS | FITNESS STUDIOS

Less pain, more gain.

Let our fitness team do the heavy lifting on your insurance coverage.

Business Insurance designed for gym and fitness studio franchise and business owners. Saving up to 20% on your insurance is now as easy as a walk on the treadmill!

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Save Up To 20% With Direct Pricing

Get a better product at a lower price. We’ve cut out the middleman − and their fees.
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Franchisor Approved

Don’t get caught under- or over-insured. We’ve got your FDD and brand data to keep you comfortably covered.
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Easy Application Process

Our simple application takes 10 minutes and you can get a quote in as little as 48 hours.
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Flexible Payment Options

Unlike other carriers, we offer the ability to pay your premium and deductibles by ACH, check, or credit card. You also have the ability to spread your premium over your policy term with monthly payments. What’s better? We don’t charge finance or credit card fees!

Expect Better. That’s Our Policy.

Start Your Quote Today!

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What We Have vs. Our Competitors

Partnering with Intrepid Direct provides you a number of features for your business

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Work direct and save up to 20%

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12 equal monthly payments with no fees

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One stop shop for all coverages, claims, and questions

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Professional Liability and Abuse coverage included

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Dedicated to your franchise: claims, service, and underwriting

Our Fitness 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 gym and fitness studio 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 only direct insurance provider in the U.S. specializing in property and casualty insurance for franchise businesses.

IFA: International Franchisee Association Supplier Forum Logo
PF IFC: Planet Fitness Independent Franchise Council Logo

Complete, Customizable Coverage

We took our knowledge of the fitness industry, listened to franchisees, and reviewed franchisor insurance requirements to offer coverages that not only meet requirements but best protect a fitness franchise. From gyms, to yoga and pilates studios, we have you covered.
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 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!

We love keeping things practical. So we offer franchisee’s the option to “blanket” their property coverage. And, while most insurance companies take whatever limit is on your current policy and plop it on 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’re not under- or over-insured.

General Liability

Protection for you and your business against normal and expected losses.

What's Typically Covered

Coverage protection for your business against bodily injury and property damage claims from third parties.

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, 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 in addition to legal liability for property damage or bodily injury in at-fault accidents involving employee-owned vehicles used while on the job.

The Intrepid Direct Difference!

Although you may not have delivery operations, employees may pitch in and run errands when needed. Intrepid Direct’s auto policy includes protection for hired and non-owned vehicles. This means liability exposure from cars your business does not directly own, the people operating them, and the damage they may cause are covered should something happen when used for work-related tasks.

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

Extra protection in case you’re held liable for a serious injury or accident.

What's Typically Covered

You could think of an 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 you need it.

The Intrepid Direct Difference!

More often than not, clients find our umbrella rates to be lower than those of 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 can be 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.

Professional Liability

Coverage for claims that are a result of errors and omissions while performing professional services.

What's Typically Covered

Protects against claims of negligence if a customer were to get injured while performing an exercise under the supervision of an employee.

The Intrepid Direct Difference!

We understand that accidents can happen, even under the supervision of a trained professional. That’s why our policy includes claims made against personal trainers.

Abuse & Molestation

Coverage for allegations of sexual misconduct.

What's Typically Covered

Coverage for any employee who inflicts actual, alleged or threatened abuse, molestation, or exploitation onto another person, during work hours.

The Intrepid Direct Difference!

Most insurance companies will add this to your policy, but too often, for an amount that is not enough. We match your coverage to your FDD requirement to ensure you are adequately covered.

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!

Our coverage protects against 1st and 3rd party claims (with regulatory proceedings), as well as ransom with high limits to match your requirements.

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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

#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 always on the move for our customers.

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.

Beth H.
“My experience with Intrepid Direct has been efficient, easy, and seamless from start-to-finish. Their follow up and customer service is fantastic, always answering questions within 24 hours or less. Insurance is usually tedious, intimidating, and cumbersome. But...
Read More
Beth H.
The Bar Method
“My experience with Intrepid Direct has been efficient, easy, and seamless from start-to-finish. Their follow up and customer service is fantastic, always answering questions within 24 hours or less. Insurance is usually tedious, intimidating, and cumbersome. But not with Intrepid Direct. The experience has been great, and they even saved me money compared to my previous policy. It’s been a win-win-win.”
Beth H.
The Bar Method
JD W.
"Their vertically integrated approach to underwriting, policy administration, and claims processing solved the pain we'd been feeling with our broker. It's no surprise -- their integration has led to efficiencies we'd never experienced until now."
JD W.
Crunch Fitness franchisee
"Their vertically integrated approach to underwriting, policy administration, and claims processing solved the pain we'd been feeling with our broker. It's no surprise -- their integration has led to efficiencies we'd never experienced until now."
JD W.
Crunch Fitness franchisee
Jacob W.
"As a first-time Orangetheory Fitness Franchisee, Intrepid made the process simple. They were very responsive, knowledgeable and ensured I was taken care of. If you're looking for a trusted partner, I would highly recommend Intrepid Direct."
Jacob W.
Orangetheory Fitness franchisee
"As a first-time Orangetheory Fitness Franchisee, Intrepid made the process simple. They were very responsive, knowledgeable and ensured I was taken care of. If you're looking for a trusted partner, I would highly recommend Intrepid Direct."
Jacob W.
Orangetheory Fitness franchisee

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