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Personal Guarantee Insurance

Protect your personal assets when you sign a business loan

Personal Guarantee Insurance converts open-ended personal exposure into a defined, insurable cost. Access growth capital without putting your home and savings at risk.

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Licensed in the US. Carrier-backed coverage.

Personal guarantees quietly put your family's financial security on the line

When you sign an SBA loan, acquisition financing, or commercial lease, lenders typically require a personal guarantee. It's presented as standard paperwork. But that signature makes you personally liable for the full loan amount—meaning if the business can't pay, the lender can pursue your home, savings, and future income.

Most business owners only realize the weight of this exposure after they've already signed. The upside belongs to the business. The downside lands on you personally.

PGI separates business risk from personal wealth

Personal Guarantee Insurance (PGI) protects business owners who are required to sign personal guarantees on business loans. If your business defaults and the lender enforces the guarantee, PGI is designed to cover a portion of your personal payment obligation. US terms are still to be confirmed.

You still sign the guarantee. The deal still closes. But now, one bad outcome doesn't erase a lifetime of work. PGI converts unknown personal exposure into a known, manageable cost—so you can pursue growth without betting your family's financial security.

Common Questions

Personal Guarantee Insurance is a specialty insurance product that protects business owners who sign personal guarantees on business loans. If your business defaults and the lender enforces the guarantee, the intent at launch is for PGI to pay a covered portion to you as the insured, and you then pay the lender. Terms to be confirmed.
In Canada, PGI covers up to 80% of a covered personal guarantee obligation. The US cover share is planned and terms are to be confirmed. Coverage amounts will depend on the loan size, your business's financial health, and underwriting criteria.
Not yet. PGicover is launching in the US soon. Coverage is not yet available for US purchase. Join the waitlist to be notified when underwriting opens.
The intent at launch is to cover personal guarantees on SBA 7(a) and 504 loans, business acquisition financing, and other commercial loans. Eligible loan types are to be confirmed.

Designed for established operators who understand risk

PGI isn't about expecting failure. It's about disciplined downside management. The most sophisticated founders, acquisition entrepreneurs, and real estate operators understand that smart growth requires protecting the downside as carefully as chasing the upside.

If you've built something worth protecting—net worth, a home, savings for your family—and you're being asked to personally guarantee a business loan, PGI gives you a way to say yes to the deal without saying yes to unlimited personal exposure.

More Questions

Premium varies based on the guarantee amount, loan type, and your business's financial health. Creditsafe may be used to assess your company's credit score, but we ultimately rely on the work of our underwriters. US premiums have not been set. Pricing will be confirmed at launch. The cost is a known, defined expense, compared to the unknown, potentially catastrophic cost of an enforced personal guarantee.
Ideally at the time you sign the personal guarantee. Coverage is not yet available in the US. Join the waitlist to be notified when underwriting opens.
Whether existing personal guarantees will be eligible is to be confirmed at launch. Join the waitlist for updates.
The US claims process is still being designed. Terms to be confirmed at launch.

Your business can take risk. Your family shouldn't.

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