About Us

How We Began

The company was started in the early 1990s by the late John Matternas, a veteran insurance executive who was active in the development of niche insurance programs as well as captives and other alternative risk transfer models.   The company was built on the STRENGTH of his 60-year tenure in the insurance industry.  John started out in Philadelphia as a cub salesman for Liberty Mutual at a time when the salesmen (there were no women!) wore hats and rode the streetcar to their appointments.  In his career, he worked for a mutual company and a stock company, owned retail agencies and a captive management firm, all culminating in the formation of Intercorp in 1991.

Since then, we have developed and managed programs as diverse as pollution insurance for dry cleaners and inland marine insurance for numismatic dealers.  The common thread in all our programs is creativity in crafting coverages needed by a specific group or class, strong underwriting discipline, and targeted marketing.


What We Do

Intercorp manages insurance programs and operates as a wholesale broker in the professional and environmental liability fields.  From our offices in Ephrata, Pennsylvania, we serve agents, brokers, and clients in all 50 states.

Current programs focus on three professional liability classes:

  • Real Estate Appraisers
  • Home Inspectors
  • Appraisal Management Companies

Professional Liability Brokerage:

  • Real Estate-Related Classes (Agents and Brokers, Title Agents, Property Managers, Mortgage Brokers, Property Preservation)
  • Architects and Engineers
  • Accountants, Lawyers, Technology, Consultants, Miscellaneous Professionals
  • Directors & Officers Liability for Risk Retention Groups and Captives

Environmental Liability Brokerage:

  • Dry Cleaners
  • Storage Tanks
  • Contractors Pollution (Including various combination policies)
  • Environmental for Agriculture
  • Site Pollution


Who We Are

We are a privately-owned company staffed by a dedicated group of insurance professionals who create, market, and manage business insurance programs.  Long-term employees (more than half of our staff are 10-year-plus veterans) provide the STABILITY in our motto – Strength, Stability, Service.

President Scott Barry joined Intercorp in 2004 after successfully setting up a captive services unit for Liberty Mutual Insurance Company and 12 years as senior vice president of underwriting for a large national insurance company specializing in programs.  He started his career on the claims side and brings more than 30 years of insurance experience to his role at Intercorp.  Scott’s contacts and relationships in the industry guarantee that we are providing our clients with the best carrier resources for their members.

Association, communication, and marketing experience, together with 25 years in the insurance industry, form the background of agency principal Elaine Matternas, former Editor & Publisher of Association Management magazine, published by the American Society of Association Executives.  Elaine works with Intercorp’s network of independent agents to make sure our programs are on target and meeting their needs, and she also manages Intercorp’s operations.

Lori Donmoyer heads up Intercorp’s accounting and bookkeeping operations, having joined the staff as a bookkeeper in 2001.   She also oversees office management and supervises the company’s IT operations.  Lori’s background before Intercorp was in human resources and payroll accounting with a local manufacturing firm.

Katie Kurtz joined Intercorp in 2002, and a year later began working with the Real Estate Appraiser Program, which she now manages along with programs for Home Inspectors and Appraisal Management Companies, providing a depth of experience and stability for all three programs.  Katie came to Intercorp from Hershey Chocolate Company, where her experience with streamlined production procedures has been transferred to our quoting, binding, and policy issuance process.

Three members of Intercorp’s staff comprise our “Class of 2013,” all having joined the company in that year:

Elaine Goldman handles customer service duties for all program areas and works with professional liability brokerage accounts.  She also works on marketing initiatives (including our website), email communications with agents and clients, and other special projects.  Elaine’s background includes five years of experience with a local insurance agency, along with administrative positions in the nonprofit, medical, and employment fields.

Karen Martzall provides underwriting and customer service support to all program areas, works with environmental brokerage accounts, and manages our dry cleaner pollution book of business.  Karen had 12 years of experience with a local agency before joining Intercorp.  She also has the CISR (Certified Insurance Service Representative) and CIC (Certified Insurance Counselor) designations.

Jannette Centeno provides underwriting and customer service support for the Real Estate Appraiser program and Home Inspector program.  She also manages our Storage Tank program.  Jannette came to Intercorp after eight years with the CNA Insurance office in Reading, working in policy services and as a client specialist.

The voice of Intercorp is our receptionist, administrative assistant, and all-around support staff of one:  Pat Lutz.    Pat joined the company in 2010 after a long career in customer service and administrative positions with D&E Telephone Company (now Windstream).  If you have never called our office, you should do so just to hear Pat’s warm and welcoming voice, peppered with hearty laughter that most certainly projects via phone lines. And most likely, Pat will be able to answer your question – or will be able to find someone who can!

In addition to our team of experienced staff members, we are supported by several specialists who handle specific assignments on a regular or as-needed basis, expanding the depth and breadth of our staff capabilities.  These include an experienced commercial underwriter who provides underwriting guidance on all programs, drafting policy language, writing underwriting guidelines, creating rating models, and performing internal audits; a technology consultant, part of a larger IT firm that configures/manages our network and troubleshoots problems, including security issues; and marketing and design services.

Why Intercorp?

  • First, you get SERVICE with a capital “S.”  While many companies brag about their outstanding service, Intercorp follows through.  It is our goal to always exceed your expectations.
  • Second, we deliver our service with a human touch. While technology is great, and it allows us to process information and paperwork more efficiently, we never lose sight of the fact that the insurance business is built on strong relationships.  All the emails in the world do not replace a human voice on the telephone, a personal visit, or a personal connection at a meeting.
  • Finally, we are innovative in finding solutions to your insurance requirements.   Our staff is composed of creative thinkers who take the time to listen to your needs and understand your problem or question.  Mix that creativity with our ability to navigate the insurance marketplace, throw in a healthy dose of common sense, and you have an unbeatable combination.

Meet the Team

Meet a team who responds within 24 - 48 hours including quotes and policy turn around when applicable.  During business hours, the phone is always answered by a live person; our phones are not automated.

Scott Barry
Elaine Matternas
Lori Donmoyer
Katie Kurtz
Elaine Goldman
Karen Martzall
Jannette Centeno
Pat Lutz

Program Development

Every insurance program in existence today (and there are many, many programs) got their start with the nugget of an idea, a healthy dose of optimism and creativity, and plenty of hard work.

Intercorp used the same formula to create programs as diverse as pollution insurance for dry cleaners and errors and omissions insurance for real estate appraisers and home inspectors.

But we also work with insurance agents and brokers, reinsurance intermediaries, or insurance companies, as well as association and affinity groups, to manage and develop existing programs. We like to look at it as doing the “heavy lifting” – you have the program or the idea but need the horses to make it happen.

With our knowledge of insurance programs, our licensing in all states, and our keen sense of the ingredients necessary to produce a successful program, we can manage all aspects of your program for you or just specific segments.

For details on our program management capabilities, contact us.  We would love to talk to you!

Captives & Alternative Funding

Intercorp’s program capabilities lead us naturally into the arena of nontraditional program structures that provide us such vehicles as captives and risk retention groups.  We offer custom-designed programs and apply our knowledge and experience to create innovative risk transfer solutions for our customers. We will work with you to help you create a facility that meets your risk management and risk financing goals.

We do this by helping you determine what you are looking to achieve with an alternative funding program.  Then we put our 25-plus years of experience to work for you, bringing in the appropriate partners for each segment of your proposed operation.  In this way, expenses are kept at a manageable level as you will only incur costs specific to your program.

Why Intercorp?  We have broad experience and affiliated partnerships to provide clients with valuable input and guidance in selecting the appropriate Alternative Risk Structure. We have access to the necessary resources to clarify your vision, develop and create the facility, craft the product, maintain and provide oversight.  Contact us for details.


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