Protecting the risk takers who build & shape our world.
PGicover is purpose built for the founder buying their first company, an operator expanding into their next location, or the management team buying out a retiring owner. We exist to help the Canadian entrepreneur trying to build something meaningful without betting the farm.
A personal guarantee should not put your home on the line
When a business owner signs a guarantee on an SBA, CSBFP or acquisition loan, their house and savings quietly back the debt. If the business fails, the lender can look past the company to the person.
We watched capable, careful people lose everything they held outside the business over a downturn they did not cause. Personal Guarantee Insurance changes that. It reimburses up to 80 percent of the personal obligation if the guarantee is ever called, so a business setback stays a business setback.
We are building this category in Canada with the seriousness a regulated financial product deserves, and the plain language a stressed borrower needs.
Serious cover, backed by real strength
The principles behind every policy
Protection, not products
We exist to keep a business setback from becoming a personal catastrophe. Every decision starts there.
Plain, precise terms
A regulated financial product explained without jargon. What is covered, what is not, and what it costs.
Real financial strength
Policies underwritten by an AM Best A+ carrier, the rating the largest banks in North America rely on.
A team behind the policy
When a guarantee is called, our Demand Response specialists engage before a claim ever fully develops.
Built by entrepreneurs, for entrepreneurs
PGI was not built in a boardroom. It was built by people who have signed personal guarantees themselves, who have felt the weight of putting their family home behind a business loan.
We know what it is like to believe in a deal but lose sleep over the downside. To watch a spouse’s face when they realize what unlimited personal recourse actually means. To wonder whether a business setback could cost you everything you have built outside of it.
That is why PGI exists.
Not because there was a gap in the insurance market, though there was. But because business owners deserve better than being told to just accept unbounded personal risk as the cost of ambition.
Every business owner who signs a personal guarantee is making a bet on themselves. PGI makes sure that bet does not have to be all-or-nothing.
PGI has a purpose
We believe entrepreneurship should not require betting everything you own. The personal guarantee system was designed for lenders, not borrowers. It works, but the human cost is rarely discussed.
PGI is here to change that conversation.
We are building the infrastructure to make personal guarantee risk manageable, transparent and insurable. Not to eliminate risk, business requires risk. But to cap the personal downside so owners can make decisions from confidence, not fear.
That is not just an insurance product. It is a shift in how business ownership works.
Questions about PGI, or about us?
Our team replies within one business day. No obligation, no pressure to proceed.