PGI America is launching personal guarantee insurance for US small business owners. Coverage for SBA 7(a), SBA 504, acquisition, and commercial loan guarantees is coming soon. Join the waitlist for early access.
Join American business owners getting early access:
SBA loan personal guarantee insurance →
PGI America is launching soon. Coverage is not yet available for US purchase. Join the waitlist above to be notified when underwriting opens. In the meantime, you can read the personal guarantee insurance overview on pgicover.com to understand how the coverage works.
Our intent at launch is for PGI America to cover SBA 7(a) personal guarantees. SBA 7(a) loans require an unlimited unconditional personal guarantee from every owner with 20% or more equity, and that requirement cannot be negotiated. A PGI policy is designed to sit alongside that guarantee and may reimburse a covered portion of the personal payment obligation if the guarantee is enforced following a qualifying default. Final terms, states served, and loan types will be confirmed at launch.
US-based owners and operators who have signed, or are about to sign, a personal guarantee on a business loan. That includes SBA borrowers, search funds and ETA buyers closing an acquisition, founders scaling with term debt, and operators with commercial lines of credit or equipment financing.
Yes, in Canada. PGI Cover has offered personal guarantee insurance to Canadian business owners since 2025. PGI America is the US sister brand and is pre-launch. The policy design and underwriting approach for the US will mirror the Canadian program.
Read the personal guarantee insurance overview on pgicover.com, the SBA loan personal guarantee explainer, or join the email waitlist above for launch updates.