Southgate specialty
Professional Liability
When your work is advice, your exposure is reputation and contract value. We place E&O and cyber coverage that responds to how professional services claims actually unfold.
The program
Coverage that answers the question a claim actually asks.
Professional liability claims rarely arrive as a single event — they build. We work with consultants, engineers, architects, healthcare practices, technology firms and financial professionals to place coverage that anticipates the claim pattern of your discipline.
Errors & Omissions
Negligent acts, errors and omissions in the delivery of professional services.
Technology & Cyber Liability
Data breach response, ransomware, network interruption and third-party privacy claims.
Media Liability
Defamation, copyright and advertising injury for firms publishing or marketing content.
Employment Practices Liability
Wrongful termination, harassment and discrimination claims from employees.
Fiduciary Liability
Exposure from administering employee benefit plans and retirement programs.
Management Liability
Directors and officers protection for privately held companies and their boards.
Complexity breakdown
Where this coverage usually fails — and how we close it.
Retroactive date traps
Prior-acts coverage negotiated so past work stays covered
Cyber sublimits
Limits tested against real breach-response costs
Contractual indemnity exposure
Client MSAs reviewed for obligations your policy must answer
Let's price your professional liability.
Answer a few questions and a Houston agent will come back with options — including the markets other agencies don't have access to.