# BRIC Personal Guarantee Insurance

Covers half of the personal-guarantee exposure.

Personal guarantee insurance from Braddock Road Insurance Corp., which calls itself the first personal guarantee insurance in the United States. It covers up to 80% of the personal-guarantee liability if the guarantee is called, backed by an A (Excellent) AM Best-rated carrier, with limits up to $2.5M and coverage subject to underwriting.

- Category: Insurance
- Pricing model: Custom Pricing
- Where it fits: Diligence & Close the Deal
- Website: https://www.personalguaranteeinsurance.com

## At a Glance

The competing quote that makes the PGI decision an informed one; two policies read side by side will teach you what this young category actually covers.

## What It Costs

Premiums quoted per policy; industry coverage describes annual premiums commonly in the low single-digit percent of the insured amount (roundups, July 2026).

## Best For

Guarantee-signing buyers who want the stated-carrier-rating version of the product and are comparing at least two PGI quotes

## Pros and Cons

- Pro: States its carrier and its rating plainly, A (Excellent) from AM Best, which matters most in a young category
- Pro: The coverage share is the buyer's choice up to 80%, with limits up to $2.5M stated on the page
- Pro: Purpose-built for exactly the SBA guarantee exposure [searchers](https://searchspheresource.com/glossary/searcher) carry, and the one product in the category a US buyer can actually buy
- Con: At least a fifth of the guarantee remains yours by design, and the share you choose sets the premium
- Con: Policy conditions and default definitions decide the real value; read them with counsel
- Con: Young category, short claims history, and coverage is subject to underwriting

## What Searchers Say

The one buyable entrant as [personal guarantee](https://searchspheresource.com/glossary/personal-guarantee) insurance arrives in the US; its only named rival is a waitlist. Compare policy language rather than headlines, and treat carrier quality as the product.

## Compared With

- Which personal-guarantee insurer should quote your policy? (https://searchspheresource.com/resources/compare/bric-vs-pgi-america.md)

## Sources

- https://www.personalguaranteeinsurance.com/
- https://www.clearlyacquired.com/blog/personal-guarantee-insurance-sba-loans

Also on this site: https://searchspheresource.com/resources/category/insurance.md
Source: https://searchspheresource.com/resources/bric-personal-guarantee-insurance
Last checked: 2026-09-04

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