Personal Guarantee Insurance

Protect Yourself When Raising Business Finance

When lenders ask for a personal guarantee (PG), it puts your personal assets on the line. PG Insurance helps reduce that risk so you can borrow with confidence and sleep better at night.

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Quick Snapshot

Cover Amount

Up to 80% of the PG liability

Annual Premium

From £200+ (varies by cover)

Eligible Loans

Term loans, invoice finance, revolving credit, andmore

Who’s Covered?

Company directors or shareholder giving a Personal Guarantee

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What Is Personal Guarantee Insurance?

When you sign a personal guarantee for a business loan, you agree to repay it personally if the company defaults. PG Insurance helps reduce that exposure.

You pay an annual premium. If the worst happens, the insurer steps in to cover a large portion of the liability typically 60% to 80%, depending on terms.

It’s about peace of mind and risk management especially in fast-growth or high-risk
sectors.

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    Why Businesses Use RCFs

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    Interest only on usage – minimal or no charges on idle capital
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    Redraw without hassle – ideal for recurring needs
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    Same-day access once the facility is live
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    No fixed repayment plan so it flexes with your business
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    Is it right for me?

    Best when you:
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    Have seasonal or uneven revenue
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    Need working capital you can control
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    Want to avoid multiple applications
    Think twice if:
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    Need a single upfront sum (consider Fixed-Term Loans)
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    Can’t confidently manage short-term repayments
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    Is Personal Guarantee Insurance Right for You?

    Best when you:
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    Are required to sign a PG for a loan or facility
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    Want to protect personal wealth (home, savings, etc.)
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    Are taking on significant borrowing for growth or restructuring
    Think twice if:
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    Already have high levels of existing unsecured liabilities
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    Are borrowing without a PG or using purely secured lending
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    Freqently asked questions

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    What does PG Insurance actually cover?

    It covers a percentage of the outstanding loan if your business defaults and the PG is called in. Coverage varies based on loan type and term.

    How much of my liability is protected?

    Typically 60% in year one, rising to 80% by year three (subject to policy terms).

    Is it expensive?

    Premiums start from £750 per year but vary based on the loan amount and your risk profile.

    Do all lenders accept it?

    It doesn’t change the lender’s view but protects you. It’s a separate policy taken out in your name.

    Can I get it after signing a PG?

    Yes, many directors apply after signing, as long as the facility is still active.

    Want to Protect Yourself While Raising Business Finance?

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