Articles
Product-focused content covering personal guarantee insurance fundamentals, pricing, and how PGI works. Start here if you want to understand what PGI covers, what it costs, and how it compares to collateral and surety bonds.
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Product-focused guides: what personal guarantee insurance is, how it works, what it costs, what it covers, and what it does not.
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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. How PGI works, what it covers, and who it is for.
January 15, 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 18, 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 18, 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 20, 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 18, 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 18, 2026 -
Is Personal Guarantee Insurance Worth It?
An honest cost-benefit analysis of PGI with a worked example on a $1M SBA loan. When PGI clearly pays off and when it does not.
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 -
Introducing Personal Guarantee Insurance
PGI 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
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