Personal Guarantee Insurance
We understand that it’s more than your signature on the line when you sign a personal guarantee for a business loan.
Unsecured Loan
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Secured Loan
Debt Consolidation
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Apex Loans PGI Cover
Peace of Mind Personal Guarantee Insurance Cover
We’ve partnered with the UK’s leading provider for Personal Guarantee Insurance, which comes with the following benefits:
- Up to £550,000 in loans are covered by PGI.
- Insurance premiums starting from as little as £50 per month
- New and existing personal guarantee are covered
- Receive a personalised quote within 24 hours
Our tailored and transparent process is designed to make your loan search and selection as seamless as possible
Submit Your Enquiry
Simply complete our short online form with your details and funding needs to begin your search for business finance.
Expert Consultation
Our expert will contact you to understand your requirements to match you with suitable lenders and products.
Get Your Offers
We connect you with trusted lenders and provide free quotes. Choose the best option, and we’ll handle the application.
Get Funded!
Once approved, receive your funds and start invest in your business growth and scale with confidence and ease.
Apex Loans
Your Trusted Source for Business Loans in the UK
At Apex Loans, we are more than just a commercial finance broker – we are a trusted partner in helping businesses secure the right funding solutions. With over 20 years of experience, we have built a reputation for excellence, integrity, and customer-focused service.
Expertise & Experience
Two decades of navigating the complexities of business finance.
Whole-of-Market Access
A vast network of lenders for competitive funding solutions.
Personalised Service
Finance strategies tailored to your business requirements.
Transparency and Trust
A clear, customer-first approach with no hidden surprises.
Get Answers to Your Most Common Questions
We've compiled a list of frequently asked questions to provide you with quick and helpful answers.
What Is Personal Guarantee Insurance (PGI)?
Personal Guarantee Insurance protects directors and business owners who have signed a personal guarantee on a business loan. If the business defaults, PGI can cover a significant portion of the director’s liability, reducing personal financial risk.
Who Can Take Out Personal Guarantee Insurance?
PGI is available to limited company directors and business owners who have signed or are about to sign a personal guarantee in support of business finance. It applies across various funding types like loans, asset finance, invoice finance, and commercial mortgages.
What Does Personal Guarantee Insurance Cover?
PGI typically covers up to 80% of the director’s personal guarantee liability, depending on the policy. Coverage can vary based on a number of factors, much like any other form of insurance.
Can I Get Insurance for Existing Personal Guarantees?
Yes, some insurers offer retrospective cover for personal guarantees already in place, subject to underwriting and policy terms. It’s always best to act sooner to maximize protection.
How Much Does Personal Guarantee Insurance Cost?
Premiums vary based on the amount guaranteed, business performance, and policy terms. Many insurers offer annual premiums or monthly instalment options, making it accessible for a wide range of businesses.