Guides, explainers and field notes
Plain-language writing on personal guarantees, SBA and CSBFP loans, acquisition financing and protecting what you built.
The One Signature Most Founders Dread
Most founders sign a personal guarantee without a clear picture of what it means. New research from PGicover and Venture for Canada shows how common that is, and what has changed.
September 24, 2026
How Angel Investors Can Back Young Entrepreneurs With a Personal Guarantee and Keep Their Capital Working
Angel investors can help a young founder get a business loan by backing the personal guarantee, and use Personal Guarantee Insurance to limit their own downside.
September 21, 2026
Swoop and PGicover Partner to Bring Personal Guarantee Insurance to Canadian Borrowers
Swoop and PGicover have partnered so businesses that arrange financing through Swoop can insure the personal guarantee behind the loan. Apply at app.pgicover.com.
September 18, 2026
Robbinex and PGicover Partner to Bring Personal Guarantee Insurance to Business Owners Seeking Financing
Robbinex and PGicover have partnered so Canadian business owners arranging financing, succession or an acquisition can insure the personal guarantee behind the loan. Apply at app.pgicover.com.
September 18, 2026
What Early PGI Demand Reveals About Guarantee Risk
Insurance Business Canada reported on early demand for Personal Guarantee Insurance in Canada. Here is what the early numbers tell business owners about their own exposure.
September 12, 2026
Canadian business owners can now insure a personal guarantee - early demand shows exposure
Insurance Business Canada has covered the Canadian launch of Personal Guarantee Insurance and the demand it saw in the first week. Read the coverage.
September 2, 2026
PGicover & Venture for Canada Survey (Aug 26)
New PGicover and Venture for Canada research of 103 founders, lenders and advisors finds most business owners sign personal guarantees without fully understanding what they mean.
August 28, 2026
Bad Credit & Personal Guarantees: What to Expect on a Business Loan
Why bad credit makes a personal guarantee more likely, which loan types tend to require one, and how to reduce your personal exposure before you sign.
July 20, 2026
Personal Guarantee Insurance One Week In: Early Lessons from Canadian Founders
One week after launch, hundreds of Canadian owners have run assessments. Early lessons: exposure runs larger than owners expect, lenders welcome the cover, and refinancing owners bind fastest.
July 15, 2026
PGicover Launches Personal Guarantee Insurance for Canadian Business Loans
PGI Canada Ltd., with Purbeck Insurance Services and Markel International, announces the launch of PGicover — Personal Guarantee Insurance for Canadian business owners entering loan agreements.
July 8, 2026
How a Personal Guarantee Insurance Claim Works
What triggers a covered PGI claim, why business failure alone is not enough, how the deductible and coverage limits interact, and what reporting obligations apply.
June 26, 2026
10 Questions to Ask Before Signing a Personal Guarantee on a Business Loan
A guarantor's pre-closing checklist: what you are guaranteeing, whether it survives a sale, what triggers it, and how to cap the residual personal exposure.
June 24, 2026
There's Insurance for That?
A grounded look at six common commercial loans, what default looks like, and the personal guarantee risk that connects most of them.
April 28, 2026
Is Personal Guarantee Insurance Available in the United States?
PGI is currently available to Canadian business owners. This post covers US expansion plans and what American guarantors can do now.
April 20, 2026
PGI for ETA and Search Funds
How Personal Guarantee Insurance fits into entrepreneurship through acquisition (ETA) and search fund deal structures.
April 19, 2026
How to Negotiate a Personal Guarantee
Practical tactics to negotiate caps, carve-outs, burn-offs, and releases on personal guarantees before you sign a business loan.
April 19, 2026
PGI for M&A Buyers
How Personal Guarantee Insurance protects M&A buyers who sign personal guarantees on acquisition financing, seller notes, and earnouts.
April 19, 2026
Personal Guarantee Release: When and How
When lenders will release a personal guarantee, the standard release milestones, and how to document a release so it actually sticks.
April 19, 2026
SBA 7(a) Personal Guarantee Requirements 2026
Current SBA 7(a) personal guarantee rules for 2026: who must sign, collateral requirements, spousal guarantees, and how to reduce personal exposure.
April 19, 2026
What Happens When a Personal Guarantee Is Called?
What lenders actually do when they enforce a personal guarantee, the timeline from demand letter to judgment, and how PGI responds to a covered claim.
April 19, 2026
Can You Insure a Personal Guarantee?
Yes, you can insure a personal guarantee. Here is how Personal Guarantee Insurance works, what it covers, and who qualifies.
April 19, 2026
Is Personal Guarantee Insurance Worth It?
A direct look at whether PGI is worth the premium, who benefits most, and when it is and is not a good fit.
April 19, 2026
How Much Does PGI Cost?
What drives the price of Personal Guarantee Insurance, how premiums are calculated, and how PGI cost compares to the personal exposure on a guaranteed loan.
April 19, 2026
Personal Guarantee Insurance Exclusions: What PGI Does Not Cover
What PGI covers and what it does not: fraud, voluntary default, the 20% co-insurance share, non-qualifying loan types, and other standard exclusions.
April 19, 2026
PGI vs Surety Bond
How Personal Guarantee Insurance differs from a surety bond, who each product protects, and when a business owner needs one versus the other.
April 19, 2026
Unlimited vs Limited Personal Guarantee
The difference between unlimited and limited personal guarantees, why lenders prefer unlimited, and how to negotiate a cap on your exposure.
April 19, 2026
Introducing Personal Guarantee Insurance
PGicover CEO Craig Arnatt shares why he founded Personal Guarantee Insurance and the company's mission to separate business risk from personal wealth.
April 7, 2026
Asset Protection Strategies for Canadian Business Owners
Practical asset protection strategies including holding companies, trusts, registered plans, and insurance for Canadian business owners with personal guarantee exposure.
March 29, 2026
Business Acquisition Financing Guide for Canadian Buyers
How to finance a business purchase in Canada, navigate personal guarantee exposure across multiple financing layers, and protect yourself as a buyer.
March 29, 2026
CSBFP Loan Personal Guarantee Checklist for Canadian Businesses
Complete checklist for the Canada Small Business Financing Program: eligibility, loan limits, personal guarantee requirements, and what to review before signing.
March 29, 2026
Personal Guarantee Risk Guide for Canadian Business Owners
What you are actually signing, what is at stake, and how to manage your personal exposure when you guarantee a business loan in Canada.
March 29, 2026
SBA Loan Personal Guarantee Requirements
Everything you need to know about SBA loan personal guarantee requirements, from the 20% ownership rule to spousal guarantees and collateral.
January 21, 2026
Managing Personal Financial Exposure from Business Debt
Understanding personal financial exposure from business loan guarantees and risk management approaches for owners.
January 21, 2026
What Is Personal Guarantee Insurance? Complete Guide
Personal Guarantee Insurance may reimburse a covered portion of a covered personal payment obligation when a personal guarantee is enforced.
January 21, 2026
Personal Guarantee vs Collateral: Key Differences Explained
Understand the difference between personal guarantees and collateral on business loans, and why both matter when you borrow.
January 21, 2026