Personal Guarantee Insurance for business loans protecting the risk takers who build and shape our world
Learn more...Finally, there's insurance for that.
Canada’s first insurance product designed to help cap personal downside on business loans.
Introducing Personal Guarantee Insurance
Every year, thousands of business owners put everything on the line. A personal guarantee means your house, your savings, everything you built outside the business is exposed.
Business Owners
You signed it to get the loan. Now your home and savings back a business debt. PGI is designed to cap a portion of what you may personally owe.
Learn about PGILenders
The guarantee stays enforceable. But borrowers sign faster when they know there's a safety net. Fewer stalled deals.
For lendersBrokers & Advisors
Your competitors aren't offering this yet. PGI gives you a new conversation - and a new reason for clients to call you first.
Partner with PGI
You're in safe hands when you choose PGI.
PGI policies are underwritten by A.M. Best A+ rated carriers - the same financial strength rating trusted by the largest banks in North America. When a claim is filed, there's real money behind it.
- Coverage up to $1,000,000 per personal guarantee
- One-year renewable policies, claims-made basis
- AM Best A+ financial strength carrier
What Your Policy Covers
PGI reimburses up to 80% of your personal payment obligation if a lender enforces your guarantee. Each policy is issued on a one-year, claims-made basis and renews annually for the life of your loan.
Coverage applies to all types of loans, lines of credit, equipment financing, and commercial real estate: any business loan where you've signed a personal guarantee. If your lender makes a formal demand, you file a claim and our carrier pays directly. No subrogation against you, no hidden exclusions.
Every policy includes our Demand Response Service at no extra cost. When a lender calls your guarantee, our team steps in with restructuring guidance, covenant reset support, and managed sale options, before a claim fully develops. You're not just insured. You have a team behind you.
Policy Highlights
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Coverage
Up to $1,000,000 per guarantee -
Retention
80/20: you retain 20%, PGI covers the rest -
Term
One-year, claims-made policy wording, renewable annually -
Support
Our free support services help when things go sideways
We removed everything annoying about insurance.
No paperwork. No kidding. Three steps between you and peace of mind. We made it this simple on purpose.
Get the App
Download PGI. Create your account. We ask about your business and your loan - not your life story.
Get the AppGet Pre-approved
Our engine runs the numbers. You get approved to apply - no callbacks, no guesswork, no "pending review."
How It WorksGet Covered
Get a quote, accept, done. Your policy is issued instantly. Now go run your business like someone who doesn't lie awake at night.
View WordingsPGI is currently only available in Canada.
Have an SBA loan? See our SBA loan personal guarantee coverage page. Applying through CSBFP? See CSBFP personal guarantee coverage. For common questions, visit our Personal Guarantee Insurance FAQ.
Ready to cap your personal downside?
Download the app to get started.
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