“Providing a window of safety
…no matter the outcome”

Personal Guarantee Insurance Services

A Personal Guarantee is a measure of lender security required in support of Commercial Finance. In the event of company insolvency, Lenders will action the Personal Guarantee if there is outstanding debt, forcing the director to sell their personal assets to repay the amount owed.

What Protection is Available?

We have partnered with Purbeck Insurance, a specialist in Personal Guarantee Insurance; Providing you with a solution which protects your home, savings and pension in the event of business loss.

The key features of the insurance include:

  • Fixed percentage of cover between 60% – 80% depending on the type of finance being insured and the risk associated.
  • Maximum Insurance of £550,000 for secured loans and £400,000 for unsecured loans.
  • Unlimited access to a Business Support Service which provides invaluable support during financial difficulties.
  • Policies provide up to £10,000 towards a professional Debt Negotiator to arrange settlement with the lender on your behalf.
  • Cover for multiple Directors on one Policy at no extra cost if the PG is signed on a joint and several liability basis.
  • Cover for multiple guarantees on one Policy.

Personal Guarantee Insurance is available against a wide range of business loans, including unsecured loans, overdrafts, invoice finance, asset-based loans, commercial mortgages, development loans and more. Why not have an informal chat with Purbeck and make sure that you are not risking your personal estate unnecessarily.

How to get a quote

Contact us for an application form or follow the link below to access it online. A member of the Purbeck Team will contact you shortly after to discuss your options.

Personal Guarantee Insurance

Personal Guarantee Insurance protects your personal assets if your business faces insolvency and has outstanding commercial debt finance. We have partnered with Purbeck Insurance, a specialist in this field to provide you with a solution which protects your home, savings and pension if your lender calls in the Personal Guarantee.

The key features of the insurance include:

  • Cover up to 80% of your Guarantee
  • Maximum level of £550,000 for secured loans & £400,000 for unsecured loans
  • Unlimited access to a comprehensive business support service
  • Multiple directors can be covered under a single policy
  • Multiple guarantees can be covered under a single policy

For more information please get in touch or to apply online click below:

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Personal Landlord Guarantee Insurance

As a condition of purchasing buy to let property through a limited company structure, the professional landlord (Director) is often required to provide additional security to the mortgage provider by signing a Personal Guarantee.

By signing a Personal Guarantee, the Director is placing his or her personal estate at risk; if the property business fails, the lender can seek recoveries against outstanding mortgage amounts owe from the Director personally.

In most cases, signing a Personal Guarantee can be a key component in securing a limited company buy to let mortgage when purchasing investment property.

Professional Landlord Personal Guarantee Insurance (PGI)

Professional Landlord PGI is an annual insurance policy that provides Directors with insurance cover in the event the mortgage provider calls on their Personal Guarantee following the failure of the property business.

Key features include:

  1. Competitive premiums and cover available
  2. All polices are backed by an A-rated leading insurer.
  3. Policy will indemnity up to 90% of the personal guarantee obligations.
  4. Multiple guarantors can be included on the policy schedule.
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Fin-Cap: Clear Guidance in Complex Financial Terrain

At Fin-Cap, we guide businesses and property professionals across the UK through the often-challenging landscape of commercial finance. Whether you’re funding a new development, acquiring a commercial property, or seeking a short-term solution, we help you find the right path with trusted lenders and personal support.

  • UK-Based & Independently Operated

  • Access to Specialist Lenders

  • Transparent, Straightforward Advice

  • Personalised Support for Every Client

Not Sure What You Need?

We’re happy to help. Whether you’re comparing options or just starting out, fill in our short form and we’ll get in touch to talk it through.