Personal Guarantee Insurance

Personal Guarantee Insurance (PGI) is one of those things most business owners don’t think about – until they really need it.

When you take out a business loan or development finance, lenders will often require a personal guarantee. That means if the deal goes wrong, you are personally liable – not just the business. Your home, savings, and personal assets could all be at risk.

That’s where PGI comes in.

Personal Guarantee Insurance protects you by covering a significant portion of that liability if the worst happens. Instead of facing the full financial hit alone, the policy steps in to reduce your exposure – giving you a safety net while you focus on recovering and moving forward.

From a lender’s perspective, it shows responsibility and risk awareness. From your perspective, it’s about protecting everything you’ve built outside the deal.

In simple terms:

You’re still backing your project – but you’re not putting your entire personal wealth on the line without protection.

For developers and business owners using leverage to grow, PGI isn’t just a “nice to have” – it’s a smart risk management tool.

Should you be interested in Personal Guarantee Insurance, we offer a referral service to Purbeck. With your permission, we would pass your details to Purbeck and they would then contact you and discuss your requirements. If you proceeded with them, we would receive a commission for introducing you to them.

As a company, we have decided to advise on Personal Guarantee Insurance from a company, called Purbeck.

INSURANCE ENQUIRIES – IMPORTANT INFORMATION

Please note that we are a mortgage broker and do not provide advice on insurance products.

All Personal Guarantee Insurance enquiries will be referred to Purbeck. By submitting an enquiry, you consent to your details being passed to them for the purpose of discussing your insurance needs.

Purbeck will arrange for a suitably authorised and regulated adviser to contact you. Any advice or recommendation provided will be the responsibility of that adviser.

We do not assess your insurance requirements, provide recommendations, or arrange insurance policies directly.

There is no obligation to proceed with any recommendation provided.

Any insurance product you choose to take is entirely separate from your mortgage application.

DATA SHARING

In order to facilitate your enquiry, we may share your name, contact details, and relevant information with Purbeck. Your data will only be used for the purpose of contacting you regarding insurance products.

For further details on how your data is used, please refer to our Privacy Policy.

“Personal Guarantee Insurance (PGI) Insurance enquiries are referred to Purbeck. We do not provide insurance advice. A suitably authorised adviser will contact you to discuss your requirements and, where appropriate, make a recommendation.”