Frequently Asked Questions

We do not have a premium commitment. Please complete the Agency Appointment Form to become appointed.

Once received, your new business submission is assigned to a member of our New Business team within an hour. They will be in touch after reviewing your submission and will submit to the best suited markets for your needs. Competitive quote(s) will be provided and the quote turnaround time varies by market. However, if you have a quote need-by date, we do our best to meet these needs!

• Submitting Applications or ACORDs
• Creating a username and password to quote online
• Completing a phone quote with an underwriter at 877-474-7868

• Leading national distributor of specialty insurance products
• Excellent customer service
• Energetic and helpful team
• Easy submission process
• Ability to quote instantly
• Access to top-rated markets
• Berkshire Hathaway-owned company

Email your new business account manager a formal bind request with the effective date, limits, optional coverages and the prior to binding requirements outlined in your respective quote. Billing options vary by market – ask your new business account manager for details.

Yes, a therapist can be sued for advice given during a session if a patient claims that the advice or treatment was negligent, outside the therapist’s scope of practice, or failed to meet professional standards and caused harm. While not every bad outcome leads to liability, this is why professional liability insurance is important – it helps cover legal defense and potential settlements related to advice or care provided in a professional setting.

If a treatment results in permanent injury, the provider may face a claim if the patient alleges the injury was caused by negligence or care that did not meet professional standards. In these situations, professional liability insurance typically responds by covering legal defense costs and, if the claim is upheld, any settlement or court judgment, helping protect the clinician and the organization from significant financial loss.

• Professional liability insurance covers claims alleging harm caused by clinical or professional services, such as medical errors, improper treatment, failure to follow care plans, or neglect related to professional duties.
• General liability insurance covers non‑clinical risks, including slip‑and‑fall injuries, property damage, and other accidents that occur on the premises but are unrelated to medical or professional care.

Because residential facilities typically provide both care services and maintain physical premises where residents, families, and visitors are present, most insurers, regulators, and facility operators view carrying both coverages as a standard best practice, and in many cases, a contractual or regulatory requirement.

We define allied health as services for the mind and body, that includes over 80 disciplines. Common examples include:

• Physical, occupational, and speech therapists
• Radiology and imaging technicians
• Medical laboratories and diagnostic centers
• Home health aides
• Behavioral health counselors
• Pharmacists and pharmacy technicians
• Paramedics and EMTs
• Residential care and group home workers
• Dietitians and nutritionists
• Spa and wellness professionals
• Assisted living and sober living facility employees
• Adult day care workers

• $1M/$3M General Liability
• $1M/$3M Professional Liability
• $1M Abuse and Molestation Liability

• Family entertainment centers
• Arcades and indoor play centers
• Bowling alleys
• Laser tag facilities
• Go‑kart tracks
• Escape rooms
• Event halls
• Caterers and bartending services
• Miniature golf courses
• Amusement and attraction venues
• Movie theaters
• Batting cages and golf driving ranges
• Sports facilities
• Billiard and pool halls
• Inflatable playgrounds
• Entertainers

If your business involves guest participation, physical activities, or entertainment attractions, this type of insurance is essential to help protect against liability claims, property damage, and operational risks.

This coverage is designed for media, entertainment, and content‑driven businesses, including film and television producers, digital media companies, advertising and marketing agencies, publishers, broadcasters, live event organizers, and online content creators. Any organization that develops, shares, or monetizes content, especially across digital platforms, can benefit from Media Liability insurance to safeguard against today’s evolving legal and IP risks.

Event Cancellation insurance protects event organizers, venues, sponsors, and suppliers from financial losses if an event must be cancelled, postponed, interrupted, curtailed, abandoned, or relocated due to unexpected circumstances beyond their control. Coverage is written on an “all‑risk” basis, meaning it responds to a wide range of perils unless specifically excluded.

Special Event insurance is a short-term policy that is designed to protect event hosts financially if something goes wrong during a private or public event. Coverage typically includes protection for bodily injury, property damage, alcohol-related incidents, and medical expenses that could arise while hosting an event.

• Weddings
• Concerts
• Conventions
• Festivals
• Fundraisers
• Golf outings and hole‑in‑one contests
• Parades
• Parties and social events
• Sporting events
• And many more

Yes, churches and faith-based organizations should carry liability insurance to protect against common risks such as bodily injury, property damage, and claims related to counseling or services. Many also require specialized coverages like abuse and molestation, property protection for houses of worship, and coverage for events or mission trips.

Directors and Officers (D&O) insurance protects an organization’s leadership such as board members, officers, and trustees against claims related to decisions they make on behalf of the organization. Nonprofits face exposures such as mismanagement of funds, breach of fiduciary duty, and governance decisions, making D&O coverage a critical part of a nonprofit insurance program.

Directors and Officers (D&O) insurance is designed to protect an organization’s leadership, including board members, officers, and trustees, for decisions made on behalf of the organization. Volunteers are typically only covered under a D&O policy if they are formally serving in a board or officer capacity.

For volunteers who are not board members, coverage is more commonly provided under Employment Practices Liability (EPL) or General Liability policies, depending on the nature of the claim. This makes it important for nonprofits to carry a well-rounded insurance program that addresses all roles within the organization.

Common nonprofit insurance claims include:

• Slip-and-fall or bodily injury claims
• Abuse and molestation allegations
• Property damage from fire, water, or weather events
• Employment-related claims (wrongful termination, discrimination)
• Directors and officers claims related to governance or financial decisions

Understanding these risks helps nonprofits structure the right insurance program.

Getting a quote is simple. Most carriers will require:

• Completed ACORD applications (125, 126, 140)
• Loss runs or claims history
• Details on operations and exposures
• Property information (if applicable)
• Target premium and marketing details

At Gateway Specialty, we help retail agents gather the right information, position the risk, and access multiple carriers to secure competitive terms.