Overview of the Program From Intercorp
Intercorp's Home Inspector Liability insurance program is tailored specifically for residential home inspectors and supports up to 25% commercial inspections in eligible classes. With improved policy terms, broader definitions, and added features, this program provides essential protection for professionals in this niche field.
Backed by Lexington Insurance Company, our program is offered on a non-admitted basis and currently available in most states across the U.S.
Ideal Accounts and Appetite
This program is designed for residential home inspectors, including those who may occasionally perform light commercial inspections (up to 25% of their business). It’s an excellent fit for:
- New or experienced home inspectors
- Inspectors transitioning from related fields such as construction or real estate
- Firms with multiple inspectors needing automatic additional insured status for referral partners
If you have a client who recently became certified and has less than two years of experience, we can still provide coverage with a resume of related experience.
Coverage Highlights and Advantages
We’ve improved our program to offer broader protection and increased value:
- Improved terms for the extended reporting period (ERP) with lower rates
- Expanded definition of “Home Inspection Services” to better describe the scope of coverage
- Up to $5,000 in Defense Expense Reimbursement for disciplinary proceedings
- Automatic additional insured status for referral sources
Optional coverages include:
- Fungus and mold
- Lead or lead by-products
- Wood-destroying organisms (e.g., termites)
- Radon or natural gases
- Swimming pools, hot tubs, and spas
- Full General Liability (GL) policy through an admitted carrier
Underwriting Notes and Minimum Premiums
Our underwriting team offers quick turnaround on quotes—often same day or next day. To get started, we require:
- Completed application
- Resume or experience history if the inspector has fewer than 2 years in the field
Minimum premiums vary depending on experience, location, and coverage options selected. Our experienced team works with you to find the right solution for your client.
Territories and Availability
This program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY.
Why Work With Intercorp
Intercorp, Inc. is a trusted program administrator with deep expertise in niche liability programs. Our in-house underwriting team is responsive and knowledgeable, and we’re committed to helping agents meet the needs of their home inspector clients quickly and efficiently. Whether your client is just starting out or has years of experience, we have the tools and coverage to support them.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for residential home inspectors, including those performing up to 25% commercial inspections. New inspectors with related experience are also eligible.
How quickly can I get a quote for my client?
Our in-house underwriting team provides same day or next day turnaround on most submissions, depending on the completeness of the application.
What documentation is required to submit an account?
We need a completed application and, if the inspector has less than 2 years of experience, a resume or history of related work.
Are additional insureds automatically included?
Yes, referral persons or organizations can be automatically added as additional insureds under this program.
Is the program available nationwide?
It is available in most states across the U.S., including CA, TX, FL, NY, and many others. Please check our list for specific state availability.
Need help placing an account? Connect with a market specialist.