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You’ve come to the right place for your errors and omissions insurance! Intercorp, a division of Norman-Spencer is your one stop, one source for all things appraising. We have a hands-on approach that is quick and efficient for you.


Creating and managing insurance programs for appraisal-specific classes by using our underwriting disciplines and target marketing strengths.


Over 25 years of experience as a program manager for all things appraisers, through good times and bad.


Staffed by a team of dedicated professionals working together to manage our programs with a personal touch.


Making the process of gaining E&O coverage simple. We want the time you spens with us to be a breeze!

FREE Risk Management and Pre-Claim Assistance Hotline

Same Day/Next Day Policy Turnaround

Industry Leading Coverage and Competitive Pricing

Professional Liability for ALL Things Appraising

Intercorp’s focus is on the appraisal industry: individuals or multiple appraiser firms, commercial including business valuation, appraisal management companies, and all types of related businesses. We know and understand your business. Put our experience to work!

Individual Appraiser Program Highlights

  • Competitive Premiums
  • Match Prior Acts with Proof of Coverage
  • Payment Options Available
  • A-Rated Insurance Company
  • Broad Definition of Professional Services (Supervisory Appraiser, Notary Public, Member of a Formal Accreditation Committee, Standards Review Committee or Similar Board)
  • Zero Deductible
  • NEW Drone Photography
    Coverage Extension
  • NEW Premises Liability Coverage
  • Policy Limits (Up to $1,000,000 per claim / $2,000,000 annual aggregate)
  • Defense Costs outside the Limits of Liability
  • Policy applies to acts, errors, omissions or Personal Injury occurring anywhere in the world
  • Coverage for Home Measurement Services and Review Appraisals
  • Free Extended Reporting Period for Death, Disability or Retirement

Or select your state below to get started on our Individual Appraiser application!

Appraisal Firms Program Highlights

  • Competitive Premiums
  • A-Rated Insurance Company
  • Payment Options Available
  • Limits up to $2,000,000/2,000,000
  • Ability to match Retroactive Dates with proof of prior coverage
  • Deductibles from $0 to $5,000 (Disappearing Deductibles with no claims)
  • Broad definition of Named Insured (Including employees, officers, owners, subcontractors, and the entity itself)
  • Broad definition of Professional Services (No exclusion for reviews, measurements, photographs, and specific types of appraisals)
  • Optional Appraisal Management Company endorsement
  • Generous Extended Reporting options (1–5 years). Plus—Retirement Extended Reporting for qualified insureds at no additional premium
  • Premises Liability Sub-Limit (bodily injury and property damage during the on-site review of the property)
  • Sub-Limits for Disciplinary Proceedings & Subpoena Assistance

Appraiser Management Companies Program Highlights

  • Designed specifically for AMCs

  • Competitive premiums
  • Limits of liability up to $5,000,000, with excess coverage available

  • Prior Acts coverage for applicants who qualify
  • Available in all states
  • A-Rated Insurance Company
  • Pre-Claim Hotline providing confidential legal assistance on potential claim issues
  • Additional coverages offered:
    State AMC Bonds, Cyber Liability, Commercial Crime, and Business Owner Policies

No one knows AMCs like Susan Lomeli, who has been serving the needs of appraisal management companies for ten years. Put her experience to work for your AMC coverage!


Schedule a
Renewal Reminder.

Not ready to quote your renewal just yet? Not a problem! Share your email and policy renewal date with us and we’ll mark our calendar, so you don’t have to. 

Resource Center

The ABC’s of E&O Insurance

Author's Note: This article is written to help real estate appraisers better understand errors and omissions insurance. It should not be used as a substitute for reading the particular provisions of their policy. Claims made coverage. Prior acts coverage. Retroactive...

Sweat the Small Stuff (So You Don’t End Up With Big Problems)

Check, recheck, document, and supervise; these simple tasks can be crucial to your reputation and opportunities. Proofreading. Ugh! It probably conjures up images of college term papers or maybe that fussy eighth grade English teacher who valiantly tried to teach you...

Lessons from Litigation

Differences of opinion. Disagreements. Mediation.  Lawsuits.  Litigation. Even if you are vigilant in taking all of the necessary precautions to manage your risk of being sued, sometimes events and circumstances are aligned in such a way that a claim or lawsuit is...

Document, Document, Document!

The buzzword for the real estate industry might be “Location, Location, Location,” but to help prevent and mitigate a potential Errors & Omission claim, the motto should be: “Document, Document, Document!” If followed religiously without fail, this motto can save...

4 Things To Keep In Mind When Appraising New Construction

4 Things To Keep In Mind When Appraising New Construction

New construction can be difficult to appraise, especially when the home hasn’t been built yet. It can be made more difficult with your client asking tough questions about your recent appraisal on the subject. How do you problem solve when it feels like there is...


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