Finance Brokers

Personal Guarantee Insurance (PGI) enables finance brokers to offer additional protection to clients who are required to sign personal guarantees when securing business loans.

This solution can be particularly appealing to small and medium-sized enterprises (SMEs) that need financial support but are concerned about personal exposure. 

PGI allows brokers to provide a well-rounded financial solution, providing clients with peace of mind, knowing that a portion of their liability is covered by insurance.

PGI offers several advantages to finance brokers. 

Firstly, it helps alleviate clients' concerns about signing personal guarantees, making them more comfortable with the terms of their business loans. This reassurance can help brokers close finance deals more efficiently, as clients are more likely to proceed with the loan when they know they have a safety net through PGI.

Additionally, by helping clients manage the risks associated with personal guarantees, brokers can strengthen client relationships, increase conversion rates and expand their service offerings.

At Purbeck, we also offer brokers support through dedicated account managers, making it easier to incorporate PGI into their services.

You are already involved at the point a personal guarantee is being signed,
making it a natural moment to introduce PGI. Offering it adds real value to your
service, differentiates you from competitors, and generates introducer
commission — all while providing meaningful protection to your clients.

PGI does not influence the lender's decision, but it gives borrowers the confidence to proceed. Knowing that up to 80% of their personal guarantee can be insured often removes the hesitation that directors feel about signing, helping deals complete more smoothly.

Yes. PGI works alongside a wide range of commercial finance products and can be introduced at the point of signing. We handle the full application and policy process with your client directly, so it requires minimal additional work on your part.

PGI can be used with most business finance facilities that require a personal guarantee, including asset finance, commercial mortgages, invoice finance, unsecured business loans, overdrafts, credit cards, peer to-peer loans, and buy-to-let mortgages.

Offering PGI positions you as a comprehensive adviser rather than just a loan arranger. It addresses the personal risk your client takes on when signing a guarantee, strengthens client relationships, and can lead to better retention and more referrals.

Yes. Once registered, you can refer clients at any stage — including after a loan has been agreed. We manage the rest, and our online quote system means clients can get a no-obligation quote without delay.

At Purbeck, we provide a dedicated account manager, competitive commission terms, and flexibility in how we work alongside you. We can liaise with your clients directly while keeping you informed or work more closely with you — whatever suits your business best.