{"id":35691,"date":"2023-10-12T11:42:00","date_gmt":"2023-10-12T11:42:00","guid":{"rendered":"https:\/\/swoopfunding.com\/us\/uk\/business-insurance\/what-is-personal-guarantee-insurance\/"},"modified":"2026-04-06T07:32:50","modified_gmt":"2026-04-06T07:32:50","slug":"what-is-personal-guarantee-insurance","status":"publish","type":"business-insurance","link":"https:\/\/swoopfunding.com\/ca\/business-insurance\/personal-guarantee-insurance\/what-is-personal-guarantee-insurance\/","title":{"rendered":"What is personal guarantee insurance?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"35691\" class=\"elementor elementor-35691\" data-elementor-post-type=\"business-insurance\">\n\t\t\t\t<div class=\"elementor-element elementor-element-454d901 e-flex e-con-boxed e-con e-parent\" data-id=\"454d901\" data-element_type=\"container\" data-e-type=\"container\" id=\"hero-title\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-28e77c9 e-con-full e-flex e-con e-child\" data-id=\"28e77c9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dda29d6 elementor-widget elementor-widget-heading\" data-id=\"dda29d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">What is personal guarantee insurance?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-50d334e elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"50d334e\" data-element_type=\"section\" data-e-type=\"section\" id=\"product-page\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-df19946\" data-id=\"df19946\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-606117d uael-heading-align-left elementor-widget elementor-widget-uael-table-of-contents\" data-id=\"606117d\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"styck-table-of-contents\" data-settings=\"{&quot;scroll_offset&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;115&quot;,&quot;sizes&quot;:[]},&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_offset&quot;:&quot;130&quot;,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;scroll_offset_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;scroll_offset_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;scroll_offset_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_text_align&quot;:&quot;left&quot;,&quot;heading_bottom_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:15,&quot;sizes&quot;:[]},&quot;content_between_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\" data-widget_type=\"uael-table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"uael-toc-main-wrapper\" data-headings=\"h2,h3,h4\" >\n\t\t\t<div class=\"uael-toc-wrapper\">\n\t\t\t\t<div class=\"uael-toc-header\">\n\t\t\t\t\t<span class=\"uael-toc-heading elementor-inline-editing\" data-elementor-setting-key=\"heading_title\" data-elementor-inline-editing-toolbar=\"basic\" ><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-toc-toggle-content\">\n\t\t\t\t\t<div class=\"uael-toc-content-wrapper\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t<ul data-toc-headings=\"headings\" class=\"uael-toc-list uael-toc-list-none\" data-scroll=\"500\" data-scroll-offset=\"115\" ><\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"uael-toc-empty-note\">\n\t\t\t\t\t<span>Add a header to begin generating the table of contents<\/span>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-b9b8600 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b9b8600\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-f6d8dd2\" data-id=\"f6d8dd2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dacfcf2 elementor-widget elementor-widget-ucaddon_breadcrumbs\" data-id=\"dacfcf2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t <div id=\"breadcrumbs-container\" class=\"left\">\n <nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><\/p><\/nav> <\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a37856 elementor-widget elementor-widget-ucaddon_last_updated\" data-id=\"9a37856\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_last_updated.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n<div id=\"last-updated-container\" class=\"\">\n\n <script id=\"last-updated-schema\" type=\"application\/ld+json\">\n        {\n          \"@context\": \"https:\/\/schema.org\",\n          \"@type\": \"Article\",\n          \"headline\": \"What is personal guarantee insurance?\",\n          \n          \"datePublished\": \"2023-10-12T11:42:00+00:00\",\n          \"dateModified\": \"2026-04-06T07:32:50+00:00\",\n          \"author\": [{\n              \"@type\": \"Person\",\n              \"name\": \"Chris Godfrey\",\n              \"url\": \"https:\/\/swoopfunding.com\/ca\/author\/chris-godfrey\/\"\n            }]\n        }\n    <\/script>\n \n <div class=\"last-updated view-user\" style=\"justify-content: left;\">\n \n <div class=\"info-left\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/author\/chris-godfrey\/\" aria-label=\"Chris Godfrey\">\n <picture loading=\"lazy\" decoding=\"async\" class=\"attachment-large size-large\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/chris-godfrey-author.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/chris-godfrey-author.webp?is-pending-load=1\" alt=\"Chris Godfrey\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <\/picture>\n <\/a>\n <\/div>\n \n <div class=\"info-right\">\n <p>Page written by <a href=\"https:\/\/swoopfunding.com\/ca\/author\/chris-godfrey\/\">Chris Godfrey<\/a>. <span>Last reviewed on April 6, 2026<\/span>. <span>Next review due April 1, 2027.\n <\/span>\n <\/p>\n\n <\/div>\n\n <\/div>\n<\/div>\n\n<div id=\"externalTooltipContent\" style=\"display: none;\">\n <div class=\"top-info\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/chris-godfrey-author.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/chris-godfrey-author.webp?is-pending-load=1\" alt=\"\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <div class=\"text\">\n <div class=\"name-author\">Chris Godfrey<\/div>\n <div class=\"role-user\">Expert financial copywriter<\/div>\n <\/div>\n <\/div>\n <div class=\"description\">Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance.<\/div>\n<\/div>\n\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c723490 elementor-widget elementor-widget-text-editor\" data-id=\"c723490\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong><em>Please note:\u00a0<\/em><\/strong><em>PG insurance isn\u2019t available in Canada, however read on to understand what it is and how it works.<\/em><\/p><p class=\"p1\">Personal guarantee insurance\u00a0(PGI) is a form of\u00a0<a href=\"http:\/\/swoopfunding.com\/ca\/business-insurance\/\"><span class=\"s1\">business insurance<\/span><\/a>\u00a0designed to protect business owners and directors who must provide a personal guarantee to the lender when their company takes out a loan.<\/p><p class=\"p1\">PGI typically covers a large percentage of the loan, and it pays out if the business defaults on their borrowing or becomes bankrupt.<span class=\"Apple-converted-space\">\u00a0 <\/span>PGI has the double benefit of lowering financial exposure for the guarantors and making lenders more comfortable by providing an extra financial backstop in case things should go wrong.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fd01fa uael-heading-align-left elementor-widget elementor-widget-uael-table-of-contents\" data-id=\"8fd01fa\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"table-of-content-column\" data-settings=\"{&quot;heading_text_align&quot;:&quot;left&quot;,&quot;heading_bottom_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:15,&quot;sizes&quot;:[]},&quot;content_between_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"uael-table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"uael-toc-main-wrapper\" data-headings=\"h2,h3,h4\" >\n\t\t\t<div class=\"uael-toc-wrapper\">\n\t\t\t\t<div class=\"uael-toc-header\">\n\t\t\t\t\t<span class=\"uael-toc-heading elementor-inline-editing\" data-elementor-setting-key=\"heading_title\" data-elementor-inline-editing-toolbar=\"basic\" ><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-toc-toggle-content\">\n\t\t\t\t\t<div class=\"uael-toc-content-wrapper\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t<ul data-toc-headings=\"headings\" class=\"uael-toc-list uael-toc-list-none\" data-scroll=\"\" ><\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"uael-toc-empty-note\">\n\t\t\t\t\t<span>Add a header to begin generating the table of contents<\/span>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be3df18 question elementor-widget elementor-widget-heading\" data-id=\"be3df18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How does PGI work?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40b68c1 answer elementor-widget elementor-widget-text-editor\" data-id=\"40b68c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">When a business owner or director personally guarantees a loan, they are offering their private assets as security against the debt. Typically, this will include their home. If the business defaults and cannot repay the debt, the individual is personally responsible for the amount guaranteed and the bank can seize and sell their assets to recover the money. Personal guarantee insurance can cover a large portion of this liability, reducing risk to the business owner\u2019s personal wealth.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3af347 question elementor-widget elementor-widget-heading\" data-id=\"a3af347\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Personal guarantee insurance at a glance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fd19e2 answer elementor-widget elementor-widget-text-editor\" data-id=\"7fd19e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul class=\"ul1\"><li class=\"li1\"><b>Cover<\/b><\/li><\/ul><p class=\"p1\">PGI will cover a percentage of the personal guarantee, which can range from 60% to 80% or even more, depending on the specific policy terms. If the business defaults, the insurance will pay back this portion of the debt, leaving the guarantor responsible for the balance.<\/p><ul class=\"ul1\"><li class=\"li1\"><b>Flexibility<\/b><\/li><\/ul><p class=\"p1\">Some PGI policies might allow for increases in coverage (the percentage the policy will pay out) as the business continues to repay its loan and reduce its debt.<\/p><ul class=\"ul1\"><li class=\"li1\"><b>Cost<\/b><\/li><\/ul><p class=\"p1\">The cost of PGI will vary depending on the sum insured, the nature and financial health of the business, and the credit rating of the guarantor.<\/p><ul class=\"ul1\"><li class=\"li1\"><b>Making a claim<\/b><\/li><\/ul><p class=\"p1\">PGI is not a simple way to walk away from debt. Certain conditions must be met before a claim is paid. For example, the policy might demand that the business must be declared insolvent before a claim can be considered.<\/p><ul class=\"ul1\"><li class=\"li1\"><b>Benefit to lenders<\/b><\/li><\/ul><p class=\"p1\">PGI is primarily taken out to protect the business owners, but it can also provide some assurance to lenders, as it adds extra security to the loan.<\/p><ul class=\"ul1\"><li class=\"li1\"><b>Limitations and exclusions<\/b><\/li><\/ul><p class=\"p1\">No\u00a0<span class=\"s2\">business insurance<\/span>\u00a0policy covers everything, PGI will have certain exclusions and limitations. It is important to read your policy carefully and to understand what\u2019s covered and what\u2019s not.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fedbc03 question elementor-widget elementor-widget-heading\" data-id=\"fedbc03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who is personal guarantee insurance for?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52f6f3f answer elementor-widget elementor-widget-text-editor\" data-id=\"52f6f3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\"><span class=\"s1\"><a href=\"http:\/\/swoopfunding.com\/ca\/business-insurance\/personal-guarantee-insurance\/\">Personal guarantee insurance<\/a><\/span>\u00a0is designed to protect business owners, company directors, or any stakeholder who is personally guaranteeing repayment of a loan on behalf of the business.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-09740d4 question elementor-widget elementor-widget-heading\" data-id=\"09740d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">When is personal guarantee insurance needed?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c58226 answer elementor-widget elementor-widget-text-editor\" data-id=\"6c58226\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">Business owners should consider personal guarantee insurance if they are asked by a lender to personally secure a\u00a0<a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/\"><span class=\"s1\">business loan<\/span><\/a>\u00a0on behalf of their business or if\u2026<\/p><ul class=\"ul1\"><li class=\"li1\">They are\u00a0<a href=\"https:\/\/swoopfunding.com\/ca\/sba-loans\/sba-startup-loans\/\"><span class=\"s1\">starting<\/span><\/a>\u00a0or investing in a business<\/li><li class=\"li1\">Expanding their current business<\/li><li class=\"li1\">Joining a partnership or becoming a director<\/li><li class=\"li1\">Facing uncertain economic conditions<\/li><li class=\"li1\">Becoming a limited company<\/li><li class=\"li1\">They have significant personal assets<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58036a7 question elementor-widget elementor-widget-heading\" data-id=\"58036a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Benefits of personal guarantee insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e6c723 answer elementor-widget elementor-widget-text-editor\" data-id=\"2e6c723\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol class=\"ol1\"><li class=\"li1\"><b>Safeguard personal assets<\/b>:<br \/>The most important benefit of PGI is that it can protect the business owners\u2019 personal assets \u2013 their home and\/or savings \u2013 from being seized by a lender should their business default on a loan.<\/li><li class=\"li1\"><b>Secure peace of mind:<br \/><\/b>Knowing that a large portion of the potential debt is covered by PGI can reduce the stress and worry associated with the potential of a business loan default.<\/li><li class=\"li1\"><b>Promote business growth:<br \/><\/b>The risk associated with personal guarantees and the potential to lose their home and savings can put many business owners off the idea of taking on debt to grow their business. However, PGI can make those kind of decisions easier, allowing business owners to take the calculated risks that can help the business grow.<\/li><li class=\"li1\"><b>Increase your borrowing power<\/b>:<br \/>Lenders may be more willing to grant a loan or offer better terms when they know that a large portion of the debt is backed by PGI, in addition to the personal guarantee.<\/li><li class=\"li1\"><b>Reduce the threat of personal bankruptcy:<br \/><\/b>For business owners, if the worst should happen and their business enters insolvency, having PGI could make the difference between personal financial survival and personal bankruptcy.<\/li><li class=\"li1\"><b>Benefit from flexible coverage:<br \/><\/b>Some PGI policies offer flexible coverage, where the sum insured can increase as the business repays its loan and reduces its total outstanding debt.<\/li><li class=\"li1\"><b>Assure stakeholders<\/b>:<br \/>PGI can instil confidence in investors, lenders, and even\u00a0<a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/key-person-insurance\/\"><span class=\"s1\">key employees<\/span><\/a>, because they know there\u2019s a safety net in place.<\/li><li class=\"li1\"><b>Manage risk:<br \/><\/b>Most business owners are used to managing risk, but PGI provides an additional layer of security. Even if the business faces unexpected challenges, the owner\u2019s personal assets have a strong measure of protection.<\/li><li class=\"li1\"><b>Cover more than one guarantor:<br \/><\/b>In businesses with multiple partners or directors, if each has provided a personal guarantee, PGI can be taken out by each guarantor, ensuring that all are similarly protected.<\/li><li class=\"li1\"><b>Increase your negotiation leverage:<br \/><\/b>If the business faces financial difficulties, having PGI in place may provide leverage when negotiating with lenders. Because a portion of the debt is fully covered, they may agree to more favourable restructuring terms.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e3f53f question elementor-widget elementor-widget-heading\" data-id=\"3e3f53f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How Swoop can help<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d917a3 answer elementor-widget elementor-widget-text-editor\" data-id=\"6d917a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>PGI isn\u2019t available in Canada right now, but there are other types of insurance that could be a suitable solution for your business.<\/p><p><a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/personal-guarantee-insurance\/what-is-personal-guarantee-insurance\/?modal=true\">Speak with Swoop&#8217;s insurance experts<\/a> to understand your options.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-029c684 elementor-widget elementor-widget-spacer\" data-id=\"029c684\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cdb9fa9 elementor-widget elementor-widget-ucaddon_author_page\" data-id=\"cdb9fa9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_author_page.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n\n\n <div class=\"info-user-post\">\n \n <div class=\"left-info\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/author\/chris-godfrey\/\" aria-label=\"Chris Godfrey\">\n <picture loading=\"lazy\" decoding=\"async\" class=\"attachment-large size-large\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/chris-godfrey-author.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/chris-godfrey-author.webp?is-pending-load=1\" alt=\"\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <\/picture>\n <\/a>\n <\/div>\n \n <div class=\"right-info\">\n <div class=\"inner-top\">\n <div class=\"info-top\">\n <div class=\"info-title\">\n <p>Written by<\/p>\n <p class=\"name-author\"><a href=\"https:\/\/swoopfunding.com\/ca\/author\/chris-godfrey\/\">Chris Godfrey<\/a><\/h3>\n <\/div>\n <\/div>\n \n \n <\/div>\n <div class=\"info-bottom\">\n <p>Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance.<\/p>\n <\/div>\n\n <ul class=\"social-links\">\n <li><a href=\"https:\/\/www.linkedin.com\/in\/christopher-godfrey-332198139\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Linkedin\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/icons\/icon-linkedin-min.svg\" width=\"30\" height=\"30\" alt=\"Linkedin\">\n <\/a><\/li>\n \n \n <li><a href=\"https:\/\/www.freelancewords.co.uk\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" aria-label=\"Website\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/icons\/icon-site-min.svg\" width=\"30\" height=\"30\" alt=\"Website\">\n <\/a><\/li>\n <\/ul>\n\n <div class=\"swoop-promise\">\n <p><strong>Swoop promise<\/strong><\/p>\n <p>At Swoop we want to make it easy for SMEs to understand the sometimes overwhelming world of business finance and insurance. Our goal is simple \u2013 to distill complex topics, unravel jargon, offer transparent and impartial information, and empower businesses to make smart financial decisions with confidence.<\/p>\n <p>Find out more about Swoop\u2019s editorial principles by reading our <a href=\"https:\/\/swoopfunding.com\/ca\/about-swoop\/editorial-policy\/\">editorial policy<\/a>.<\/p>\n <\/div>\n\n <\/div>\n <\/div>\n\n \n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-be0b966 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"be0b966\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f965193 elementor-hidden-mobile\" data-id=\"f965193\" data-element_type=\"column\" data-e-type=\"column\" id=\"sticky-banner-mini\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6314763 elementor-widget elementor-widget-image\" data-id=\"6314763\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/us\/wp-content\/uploads\/sites\/3\/2022\/08\/plus.svg\" title=\"\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d555889 elementor-widget elementor-widget-heading\" data-id=\"d555889\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">G<br>E<br>T<br><br>Q<br>U<br>O<br>T<br>E<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d868fd3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d868fd3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-75115cc\" data-id=\"75115cc\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ac23d80 elementor-widget__width-auto elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"ac23d80\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"60\" height=\"33\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/08\/icon-swoop-2.svg\" class=\"attachment-full size-full wp-image-36744\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-426d5d3 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"426d5d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Want to discuss your options with a business insurance expert?<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-490b034 elementor-widget__width-auto form-insurance elementor-mobile-align-center elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"490b034\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/swoopfunding.com\/uk\/business-insurance\/personal-guarantee-insurance\/what-is-personal-guarantee-insurance\/?modal=true\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get in touch<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-8ce1e44 e-flex e-con-boxed e-con e-parent\" data-id=\"8ce1e44\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-72754af elementor-widget elementor-widget-ucaddon_auto_page_related\" data-id=\"72754af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_auto_page_related.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n\n\n\n <div class=\"container-auto-page-related\">\n <p class=\"title-related text-center\">Related pages<\/p>\n <div class=\"auto-page-related\">\n <ul>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/bicycle-shop-insurance\/\">Bicycle shop insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/business-contents-insurance\/\">Business contents insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/business-equipment-insurance\/\">Business equipment insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/\">Business insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/business-interruption-insurance\/\">Business interruption insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/cafe-insurance\/\">Cafe insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/carpenters-insurance\/\">Carpenters insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/commercial-property-insurance\/\">Commercial property insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/commercial-van-insurance\/\">Commercial van insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/construction-company-insurance\/\">Construction company insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/consultants-insurance\/\">Consultants insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/contractors-insurance\/\">Contractors insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/cyber-insurance\/\">Cyber insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/is-business-insurance-a-legal-requirement\/\">Do I need business insurance? <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/public-liability-insurance\/do-i-need-public-liability-insurance\/\">Do I need public liability insurance? <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/employers-liability-insurance\/\">Employers&#8217; liability insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/executive-income-protection-insurance\/\">Executive income protection insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/food-insurance\/\">Food insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/gardeners-insurance\/\">Gardeners insurance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/gas-engineer-insurance\/\">Gas engineer insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/group-income-protection-insurance\/\">Group income protection insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/group-life-insurance\/\">Group life insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/group-private-medical-insurance\/\">Group private medical insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/gym-insurance\/\">Gym insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/plant-machinery-insurance\/\">Hired in plant insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/employers-liability-insurance\/cost-of-employers-liability\/\">How much does 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href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/medical-insurance\/\">Medical insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/occupiers-liability-insurance\/\">Occupiers&#8217; liability insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/opticians-insurance\/\">Opticians insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/personal-guarantee-insurance\/\">Personal guarantee insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/plumbers-insurance\/\">Plumbers insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/product-liability-insurance\/\">Product liability insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/professional-indemnity-insurance\/\">Professional indemnity insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/pub-insurance\/\">Pub insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/public-liability-insurance\/\">Public liability insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/event-liability-insurance\/\">Public liability insurance for events <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/relevant-life-insurance\/\">Relevant life insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/restaurant-insurance\/\">Restaurant insurance <\/a>\n <\/li>\n 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href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/employers-liability-insurance\/what-is-employers-liability-insurance\/\">What is employers&#8217; liability insurance? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/personal-guarantee-insurance\/what-is-personal-guarantee-insurance\/\">What is personal guarantee insurance? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/product-liability-insurance\/what-is-product-liability\/\">What is product liability insurance? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-insurance\/public-liability-insurance\/what-is-public-liability-insurance\/\">What is public liability insurance? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a 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Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on April 6, 2026. Next review due April 1, 2027. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and&hellip;<\/p>\n","category_list_v2":"","author_info_v2":{"name":"Chris Godfrey","url":"https:\/\/swoopfunding.com\/ca\/author\/chris-godfrey\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/business-insurance\/35691","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/business-insurance"}],"about":[{"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/types\/business-insurance"}],"author":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/users\/26"}],"version-history":[{"count":69,"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/business-insurance\/35691\/revisions"}],"predecessor-version":[{"id":41632,"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/business-insurance\/35691\/revisions\/41632"}],"wp:attachment":[{"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/media?parent=35691"}],"wp:term":[{"taxonomy":"insurance-type","embeddable":true,"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/insurance-type?post=35691"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}