Practically all commercial loans require company directors to sign a personal guarantee, all to varying degrees. This could be from 20% of the gross loan amount for secured lending and 100% of the loan amount for unsecured loans. In the event of default of the loan, the Personal Guarantee may be called upon by the lender, essentially passing the liability for the amounts guaranteed to the individuals who signed the guarantee. This can have catastrophic consequences to an already worrying situation.

We have carefully selected partners that offer market leading Personal Guarantee Protection and Personal Guarantee Insurance to ensure that if the worst does happen, the fallout and effect on your, and your families, personal life are mitigated.

PGP & PGI mitigate this risk by covering a significant portion of the guaranteed amount, thereby reducing the guarantor’s personal financial exposure. For Real Estate related loans, PGP will typically protect 100% of the guaranteed amount (up to policy limits), with PGI coverage ranging from 60% to 80% of the guarantee amount on other types of loan.

These products are provided by a partnership with leading product providers on an introductory basis, ensuring that you deal direct with specialists with no middlemen.