Personal Guarantee Insurance converts open-ended personal exposure into a defined, insurable cost. Access growth capital without putting your home and savings at risk.
Licensed in the US. Carrier-backed coverage.
When you sign an SBA loan, acquisition financing, or commercial lease, lenders typically require a personal guarantee. It's presented as standard paperwork. But that signature makes you personally liable for the full loan amount—meaning if the business can't pay, the lender can pursue your home, savings, and future income.
Most business owners only realize the weight of this exposure after they've already signed. The upside belongs to the business. The downside lands on you personally.
Personal Guarantee Insurance (PGI) protects business owners who are required to sign personal guarantees on business loans. If your business defaults and the lender enforces the guarantee, PGI covers a substantial portion of your personal obligation—typically 80% of the guaranteed amount.
You still sign the guarantee. The deal still closes. But now, one bad outcome doesn't erase a lifetime of work. PGI converts unknown personal exposure into a known, manageable cost—so you can pursue growth without betting your family's financial security.
PGI isn't about expecting failure. It's about disciplined downside management. The most sophisticated founders, acquisition entrepreneurs, and real estate operators understand that smart growth requires protecting the downside as carefully as chasing the upside.
If you've built something worth protecting—net worth, a home, savings for your family—and you're being asked to personally guarantee a business loan, PGI gives you a way to say yes to the deal without saying yes to unlimited personal exposure.
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