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Professional Lines Products

Gateway Underwriters has a specialized Professional Lines team to help you navigate through the markets and coverages of professional liability. Our team focuses on management liability, errors and omissions, environmental and allied health risks. We are dedicated to working with you and our carriers to deliver the best quality product to cover professional exposures at a competitive price with service that stands above our competition.

Allied Healthcare

Coverage for Allied Health / Miscellaneous Medical Professionals and Entities that have specialized training and education to provide care. Coverage will help protect the insured against claims of errors and omissions of services provided and general liability exposures they may be liable for. Includes Home health, therapy and labs.

Architects and Engineers

Provide insurance coverage to defend and indemnify design professionals against claims alleging negligence of errors and omissions in performance of professional services. Also includes construction managers and design/build.

Community Association Professional Liability

Our all-in-one product meets the needs of homeowner and townhome associations by providing directors and officers liability including employment practices liability (EPL), general liability, property and umbrella coverages. We can also offer these coverages (excluding property) for condominium associations.

Cyber/Data Breach

Provide coverage for any third party liability and first party expenses arising from a breach of private confidential information such as social security numbers or credit card numbers. Notification costs, credit monitoring, costs to defend claims by state regulators, fines and penalties and loss resulting from identity theft. Can also cover liability arising from website media content, as well as property exposures from: (a) business interruption, (b) data loss/destruction, (c) computer fraud, (d) funds transfer loss and (e) cyber extortion.

Employment Practices Liability

Covers firms for suits arising from wrongful termination, sexual harassment, discrimination, invasion of privacy, false imprisonment, breach of contract and wage and hour law violations.

Environmental Service Providers

Environmental Service Providers is a contractor-based policy, offered on a claims-made or occurrence basis, that provides third-party coverage for bodily injury, property damage, defense, and cleanup as a result of pollution conditions (sudden/accidental and gradual) arising from contracting operations performed by or on behalf of the contractor.

Errors and Omissons

Provide liability coverage for the financial loss (not bodily injury or property damage) resulting from alleged violations of professional standards.

In Home Healthcare

This package can offer comprehensive general and professional liability for basic and skilled care services. The package can include property coverage, sexual molestation and hired and non-owned auto.


With lawsuits continually on the rise, professionals offering services of all kinds need protection. One client’s dissatisfaction can turn quickly from allegation to litigation, resulting in potentially devastating consequences - financial and otherwise. This insurance has been designed to address the damages commonly incurred by wrongful acts, such as negligence, errors and omissions, defamation, and others.

Management Liability Directors & Officers

Protect directors and officers from liability arising from actions committed as board members or officers of an organization. Can be written to cover for-profit businesses, privately held firms, not-for-profit organizations and educational institutions.

Medical Providers Employment Practices

Property Management

Our Property Managers Professional Liability product covers the unique exposures of a property manager, ranging from errors and omissions to tenant discrimination.

Real Estate Agents Liability

We offer Real Estate Agent Errors and Omissions coverage for real estate firms that derive at least 65 percent of their commission income from residential real estate sales.

Restoration & Mold Contractors

Technology Errors and Omissions

Cover the financial loss of a third party arising from failure of a technology professional's product to perform as intended or expected. Financial loss may arise from an act, error or omission committed in the course of the insured's performance of services. Tech E&O coverage is intended to protect providers of technology products and services, such as computer software and hardware manufacturers, website designers and firms that store corporate data on an off-site basis.