# PGI Cover > Personal Guarantee Insurance for business owners. PGI Cover offers specialty insurance designed to cap personal financial downside arising from the enforcement of a personal guarantee given in support of a business loan or obligation. Currently available to Canadian borrowers, with US expansion planned. ## About - [Personal Guarantee Insurance](https://pgicover.com/personal-guarantee-insurance/): Category hub with the canonical product definition, mechanics, who it is for, and how to qualify. - [What Is PGI?](https://pgicover.com/what-is-pgi/): Plain-language explanation of personal guarantees, why banks require them, and the gap PGI fills. - [How It Works](https://pgicover.com/how-it-works/): Application, underwriting, claim mechanics, and the claims-made policy structure. - [Frequently Asked Questions](https://pgicover.com/faq/): Common questions on coverage, eligibility, claims, and Canada vs US availability. - [About PGI](https://pgicover.com/about/): Company background and mission. - [Contact](https://pgicover.com/contact/): How to reach PGI Cover. ## Geographic Coverage - [SBA Loan Personal Guarantee Coverage](https://pgicover.com/sba-loan-personal-guarantee/): US/SBA segment guidance. PGI is expanding to the United States; US borrowers can sign up for launch updates. - [CSBFP Personal Guarantee Coverage](https://pgicover.com/csbfp-personal-guarantee/): Canadian CSBFP borrowers and how PGI fits the Canada Small Business Financing Program. ## Distribution - [Partner with PGI](https://pgicover.com/partners/): For lenders, brokers, M&A advisors, and accountants. - [For Lenders](https://pgicover.com/for-lenders/): Lender-side detail. ## Articles (long-form explainers) - [What Is Personal Guarantee Insurance? Complete Guide](https://pgicover.com/blog/articles/what-is-personal-guarantee-insurance/): Comprehensive product explanation. - [Can You Insure a Personal Guarantee?](https://pgicover.com/blog/articles/can-you-insure-a-personal-guarantee/): The plain answer with how it works and how to qualify. - [Is Personal Guarantee Insurance Worth It?](https://pgicover.com/blog/articles/is-personal-guarantee-insurance-worth-it/): Cost-benefit analysis with worked examples. - [How Much Does PGI Cost?](https://pgicover.com/blog/articles/personal-guarantee-insurance-cost/): How premiums are calculated and what factors move price. - [Personal Guarantee Insurance Exclusions](https://pgicover.com/blog/articles/personal-guarantee-insurance-exclusions/): What PGI does not cover. - [Personal Guarantee vs Collateral](https://pgicover.com/blog/articles/personal-guarantee-vs-collateral/): How each functions and where PGI fits. - [PGI vs Surety Bond](https://pgicover.com/blog/articles/pgi-vs-surety-bond/): How the two products differ and who each protects. - [Unlimited vs Limited Personal Guarantees](https://pgicover.com/blog/articles/unlimited-vs-limited-personal-guarantee/): Structural differences and negotiation implications. - [Introducing Personal Guarantee Insurance](https://pgicover.com/blog/articles/introducing-personal-guarantee-insurance/): Why this product was built. ## Posts (topical guides and field notes) - [There's Insurance for That?](https://pgicover.com/blog/posts/theres-insurance-for-that/): Six common commercial loans, what default looks like, and the personal guarantee risk that connects them. - [Is PGI Available in the United States?](https://pgicover.com/blog/posts/is-pgi-available-in-united-states/): Current US availability status. - [SBA 7(a) Personal Guarantee Requirements 2026](https://pgicover.com/blog/posts/sba-7a-personal-guarantee-2026/): Current SBA 7(a) personal guarantee rules. - [SBA Loan Personal Guarantee Requirements](https://pgicover.com/blog/posts/sba-loan-personal-guarantee-requirements/): The 20% rule, spousal guarantees, and collateral. - [How to Negotiate a Personal Guarantee](https://pgicover.com/blog/posts/how-to-negotiate-personal-guarantee/): Caps, carve-outs, burn-offs, and releases. - [Personal Guarantee Release: When and How](https://pgicover.com/blog/posts/personal-guarantee-release-when-how/): When lenders will release a guarantee and how to document it. - [What Happens When a Personal Guarantee Is Called?](https://pgicover.com/blog/posts/what-happens-when-personal-guarantee-called/): Enforcement timeline from demand letter to judgment. - [PGI for ETA and Search Funds](https://pgicover.com/blog/posts/eta-personal-guarantee-insurance/): Acquisition financing and search fund deal structures. - [PGI for M&A Buyers](https://pgicover.com/blog/posts/ma-personal-guarantee-insurance/): Acquisition financing, seller notes, and earnouts. - [Business Acquisition Financing Guide for Canadian Buyers](https://pgicover.com/blog/posts/business-acquisition-financing-canada/): Multi-layer financing and personal exposure. - [CSBFP Loan Checklist for Canadian Businesses](https://pgicover.com/blog/posts/csbfp-loan-checklist-canada/): CSBFP eligibility, limits, and personal guarantee requirements. - [Asset Protection Strategies for Canadian Business Owners](https://pgicover.com/blog/posts/asset-protection-strategies-canada/): Holding companies, trusts, registered plans, and insurance. - [Personal Guarantee Risk Guide for Canadian Business Owners](https://pgicover.com/blog/posts/personal-guarantee-risk-guide-canada/): What you sign and how to manage exposure. - [Managing Personal Financial Exposure from Business Debt](https://pgicover.com/blog/posts/protect-personal-assets-business-debt/): Risk management approaches for owners. ## Markdown mirrors (for AI ingestion) Pure-markdown versions of top articles, optimized for LLM ingestion. Same content as the HTML articles but without HTML chrome. - [What Is Personal Guarantee Insurance? Complete Guide (MD)](https://pgicover.com/articles/what-is-personal-guarantee-insurance.md) - [Can You Insure a Personal Guarantee? (MD)](https://pgicover.com/articles/can-you-insure-a-personal-guarantee.md) - [Is Personal Guarantee Insurance Worth It? (MD)](https://pgicover.com/articles/is-personal-guarantee-insurance-worth-it.md) - [How Much Does PGI Cost? (MD)](https://pgicover.com/articles/personal-guarantee-insurance-cost.md) - [PGI vs Surety Bond (MD)](https://pgicover.com/articles/pgi-vs-surety-bond.md) ## Optional - [Sitemap](https://pgicover.com/sitemap.xml): Full URL list for crawlers. - [Blog Index](https://pgicover.com/blog/): All articles and posts. - [Download the App](https://pgicover.com/download/): iOS and Android.