diff --git a/agent/proxycfg/state.go b/agent/proxycfg/state.go
index b60505f9fe..bce9a865b6 100644
--- a/agent/proxycfg/state.go
+++ b/agent/proxycfg/state.go
@@ -381,7 +381,6 @@ func (s *state) initWatchesTerminatingGateway() error {
 		Datacenter:     s.source.Datacenter,
 		QueryOptions:   structs.QueryOptions{Token: s.token},
 		ServiceName:    s.service,
-		ServiceKind:    structs.ServiceKindTerminatingGateway,
 		EnterpriseMeta: s.proxyID.EnterpriseMeta,
 	}, gatewayServicesWatchID, s.ch)
 	if err != nil {
diff --git a/agent/xds/listeners.go b/agent/xds/listeners.go
index cb8414ac86..018680f1f9 100644
--- a/agent/xds/listeners.go
+++ b/agent/xds/listeners.go
@@ -4,6 +4,7 @@ import (
 	"encoding/json"
 	"errors"
 	"fmt"
+	"github.com/hashicorp/consul/logging"
 	"net"
 	"net/url"
 	"regexp"
@@ -568,6 +569,15 @@ func (s *Server) makeTerminatingGatewayListener(name, addr string, port int, cfg
 		clusterName := connect.ServiceSNI(svc.ID, "", svc.NamespaceOrDefault(), cfgSnap.Datacenter, cfgSnap.Roots.TrustDomain)
 		resolver, hasResolver := cfgSnap.TerminatingGateway.ServiceResolvers[svc]
 
+		// Skip the service if we don't have a cert to present for mTLS
+		if cert, ok := cfgSnap.TerminatingGateway.ServiceLeaves[svc]; !ok || cert == nil {
+			// TODO (gateways) (freddy) Should the error suggest that the issue may be ACLs? (need service:write on service)
+			s.Logger.Named(logging.TerminatingGateway).
+				Error("no client certificate available for linked service, skipping filter chain creation",
+					"service", svc.String(), "error", err)
+			continue
+		}
+
 		clusterChain, err := s.sniFilterChainTerminatingGateway(name, clusterName, svc, cfgSnap)
 		if err != nil {
 			return nil, fmt.Errorf("failed to make filter chain for cluster %q: %v", clusterName, err)
diff --git a/agent/xds/listeners_test.go b/agent/xds/listeners_test.go
index 453fb6163c..8a79aca8f8 100644
--- a/agent/xds/listeners_test.go
+++ b/agent/xds/listeners_test.go
@@ -363,6 +363,13 @@ func TestListenersFromSnapshot(t *testing.T) {
 				}
 			},
 		},
+		{
+			name:   "terminating-gateway-no-api-cert",
+			create: proxycfg.TestConfigSnapshotTerminatingGateway,
+			setup: func(snap *proxycfg.ConfigSnapshot) {
+				snap.TerminatingGateway.ServiceLeaves[structs.NewServiceID("api", nil)] = nil
+			},
+		},
 	}
 
 	for _, tt := range tests {
diff --git a/agent/xds/testdata/listeners/terminating-gateway-no-api-cert.golden b/agent/xds/testdata/listeners/terminating-gateway-no-api-cert.golden
new file mode 100644
index 0000000000..6544884fe1
--- /dev/null
+++ b/agent/xds/testdata/listeners/terminating-gateway-no-api-cert.golden
@@ -0,0 +1,97 @@
+{
+  "versionInfo": "00000001",
+  "resources": [
+    {
+      "@type": "type.googleapis.com/envoy.api.v2.Listener",
+      "name": "default:1.2.3.4:8443",
+      "address": {
+        "socketAddress": {
+          "address": "1.2.3.4",
+          "portValue": 8443
+        }
+      },
+      "filterChains": [
+        {
+          "filterChainMatch": {
+            "serverNames": [
+              "web.default.dc1.internal.11111111-2222-3333-4444-555555555555.consul"
+            ]
+          },
+          "tlsContext": {
+            "commonTlsContext": {
+              "tlsParams": {
+
+              },
+              "tlsCertificates": [
+                {
+                  "certificateChain": {
+                    "inlineString": "-----BEGIN CERTIFICATE-----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\npY0heYeK9A6iOLrzqxSerkXXQyj5e9bE4VgUnxgPU6g=\n-----END CERTIFICATE-----\n"
+                  },
+                  "privateKey": {
+                    "inlineString": "-----BEGIN EC PRIVATE KEY-----\nMHcCAQEEIMoTkpRggp3fqZzFKh82yS4LjtJI+XY+qX/7DefHFrtdoAoGCCqGSM49\nAwEHoUQDQgAEADPv1RHVNRfa2VKRAB16b6rZnEt7tuhaxCFpQXPj7M2omb0B9Fav\nq5E0ivpNtv1QnFhxtPd7d5k4e+T7SkW1TQ==\n-----END EC PRIVATE KEY-----\n"
+                  }
+                }
+              ],
+              "validationContext": {
+                "trustedCa": {
+                  "inlineString": "-----BEGIN CERTIFICATE-----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\noR5f6Ku+cig2Il8T8LJujOp2/2A72QcHZA57B13y+8o=\n-----END CERTIFICATE-----\n"
+                }
+              }
+            },
+            "requireClientCertificate": true
+          },
+          "filters": [
+            {
+              "name": "envoy.ext_authz",
+              "config": {
+                  "grpc_service": {
+                        "envoy_grpc": {
+                              "cluster_name": "local_agent"
+                            },
+                        "initial_metadata": [
+                              {
+                                    "key": "x-consul-token",
+                                    "value": "my-token"
+                                  }
+                            ]
+                      },
+                  "stat_prefix": "connect_authz"
+                }
+            },
+            {
+              "name": "envoy.filters.network.sni_cluster"
+            },
+            {
+              "name": "envoy.tcp_proxy",
+              "config": {
+                  "cluster": "",
+                  "stat_prefix": "terminating_gateway_web_default_tcp"
+                }
+            }
+          ]
+        },
+        {
+          "filters": [
+            {
+              "name": "envoy.filters.network.sni_cluster"
+            },
+            {
+              "name": "envoy.tcp_proxy",
+              "config": {
+                  "cluster": "",
+                  "stat_prefix": "terminating_gateway_default_tcp"
+                }
+            }
+          ]
+        }
+      ],
+      "listenerFilters": [
+        {
+          "name": "envoy.listener.tls_inspector"
+        }
+      ]
+    }
+  ],
+  "typeUrl": "type.googleapis.com/envoy.api.v2.Listener",
+  "nonce": "00000001"
+}
\ No newline at end of file