Protect Your Assets with Risecap

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, and more

Who’s Covered?

Company directors or shareholder giving a Personal Guarantee

Reduce your personal risk when lenders require a guarantee

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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See how PG Insurance works alongside your funding

Why Directors Choose PG Insurance

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Protect personal assets – your home, savings, and personal assets stay protected

Cover up to 80% of your PG – works with term loans, invoice finance, and revolving credit

Borrow with confidence so you can focus on running the business

Premiums from £200 per year with cover starting from around £200 per year

A simple breakdown of what PG Insurance covers and costs

Is it right for me?

Best when you:

Are signing a personal guarantee for a business loan

Want to protect your home and personal savings

Are borrowing a significant amount for growth or acquisition

Think twice if:

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Your lending doesn’t require a personal guarantee

You already have high levels of unsecured personal liabilities

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Find out if PG Insurance is the right fit for your situation

Is Personal Guarantee Insurance Right for You?

Best when you:

Are required to sign a PG for a loan or facility

Want to protect personal wealth (home, savings, etc.)

Are taking on significant borrowing for growth or restructuring

Think twice if:

Already have high levels of existing unsecured liabilities

Are borrowing without a PG or using purely secured lending

Frequently asked questions

Get Started

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.