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A contract of insurance that reimburses most of the personal payment obligation you carry when you sign a personal guarantee on a business loan, if that guarantee is ever enforced.

The loan and guarantee are agreements with your lender. PGI is a separate policy between you and an insurance carrier that sits behind the guarantee and protects you personally.

No. The guarantee stays fully enforceable and your loan documents are unchanged. PGI protects you without altering the lender position.

Up to 80% of your validated personal payment obligation on a called guarantee, to a ceiling of $1,000,000 per guarantee. You retain the remaining 20%.

You are. The carrier reimburses your validated obligation directly, not the lender.

No. There is no subrogation against you personally for the reimbursed portion once a claim is settled.

A team included on every policy that engages your lender the moment enforcement is signalled, exploring restructuring and managed sale options before a claim fully develops. There is no extra premium for it.

CSBFP loans, acquisition financing, lines of credit, commercial real estate, equipment finance and similar facilities where you have signed a personal guarantee.

Yes. PGI is designed to protect exposure on guarantees you have already given as well as new ones.

A one-year, claims-made policy paid monthly, priced on your loan size, structure and risk profile. It renews annually for the life of your loan.

A short, no-obligation assessment of your eligibility and likely terms. It has no impact on your credit and requires no sensitive personal information to begin.

An AM Best A+ rated carrier, the financial strength rating relied on by major North American banks.

Yes. PGI is built for Canadian business borrowers and the loans they commonly sign for.

Coverage, retention, limits and exclusions are set out in the policy wording, which you can review before you commit.