BRIC Personal Guarantee Insurance vs PGI America

Side by Side

BRIC Personal Guarantee Insurance and PGI America, attribute by attribute
Attribute	BRIC Personal Guarantee Insurance	PGI America
What It Is	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.	Personal guarantee insurance for US borrowers that cannot be bought yet. Its own site says coverage is not yet available for US purchase, calls itself the pre-launch US sister brand of PGI Canada, and offers a waitlist, with terms, states served and loan types to be confirmed at launch.
Category	Insurance	Insurance
Pricing Model	Custom Pricing	Custom Pricing
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).	Nothing to quote yet. The site offers a waitlist and says final terms, states served and loan types will be confirmed at launch.
Best For	Guarantee-signing buyers who want the stated-carrier-rating version of the product and are comparing at least two PGI quotes	Buyers signing an SBA personal guarantee who want to insure part of the scariest clause in the deal, especially where the guarantee reaches the house
Where It Fits	Diligence & Close the Deal	Diligence & Close the Deal
Our Verdict	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.	Get a quote alongside your loan terms and let your attorney read the policy; insuring half the guarantee for a low single-digit premium is a trade many buyers would take if they knew it existed.
Pros	States its carrier and its rating plainly, A (Excellent) from AM Best, which matters most in a young category The coverage share is the buyer's choice up to 80%, with limits up to $2.5M stated on the page Purpose-built for exactly the SBA guarantee exposure searchers carry, and the one product in the category a US buyer can actually buy	The named sister of an established Canadian personal-guarantee insurer, so the product behind the waitlist exists somewhere A waitlist costs nothing, and the category has one buyable rival whose policy language can be read in the meantime
Cons	At least a fifth of the guarantee remains yours by design, and the share you choose sets the premium Policy conditions and default definitions decide the real value; read them with counsel Young category, short claims history, and coverage is subject to underwriting	Coverage is not yet available for US purchase, in its own words, so nothing here can be quoted or bought today Terms, states served and loan types are all to be confirmed at launch, which is every fact a buyer would need A new category with a short claims history, and this entrant has none at all

Both rows were read at source: BRIC Personal Guarantee Insurance ↗ and PGI America ↗.

Our take

Choose BRIC because it is the one you can buy: its own page offers cover on up to 80% of the guarantee, backed by an A (Excellent) AM Best-rated carrier, with limits up to $2.5M and coverage subject to underwriting. In a category this young, read the default definitions with counsel either way.

Choose PGI America only as a name to watch. Its own site says coverage is not yet available for US purchase, calls itself the pre-launch US sister brand of a Canadian insurer, and offers a waitlist with terms, states and loan types to be confirmed at launch. Nobody can quote it today.