You signed it. Now cap your exposure.
Most business loans create personal liability. Protect your downside with personal guarantee insurance.
Underwritten by AM Best A-rated carriers. Available through licensed insurance professionals.
Separate Business Risk from Personal Wealth.
Personal guarantees can quietly put your personal finances on the line.
When you sign a personal guarantee on a business loan, you assume personal liability if the business can't repay. If the lender enforces that guarantee, your personal finances may be exposed.
Personal Guarantee Insurance is specialty insurance designed to convert open-ended personal exposure into a defined, insurable risk. If your personal guarantee is enforced and you incur a covered personal payment obligation, PGI can reimburse a covered portion—subject to policy terms, conditions, and limits.
This isn't about expecting failure. It's about disciplined risk management. The same discipline that makes you a good operator makes PGI a sensible choice.
Why Business Owners Choose PGI
Cap Personal Downside
Reduce exposure from personal guarantees by transferring a portion of that risk to an insurance policy, subject to coverage terms.
Deal Speed
Built for real financing timelines. Applications are designed to be fast, with quotes typically delivered quickly and digital binding where available.
Carrier-Backed
Insurance coverage underwritten by established carriers, governed by formal policy wording—not informal assurances. Subject to underwriting.
Here's how to insure your personal guarantee.
Four steps from application to coverage
Submit Your Information
Provide details about the loan, guarantee amount, and your business. The application takes about 10 minutes. No paperwork to mail. Use our NAICS code lookup and see if we support your industry.
Receive Your Quote
Our underwriting engine evaluates your application and returns a premium quote based on your specific situation. No hidden fees.
Review and Bind
Review your policy terms and coverage limits. When ready, bind coverage digitally where available. Policy documents are typically issued promptly.
Coverage in Force
Access your policy documents and manage coverage through your dashboard. If a covered claim arises, PGI provides a structured claims process in accordance with the policy's claims-made requirements.