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We’ re also seeing a notable rise in directors using personal guarantee insurance as part of their borrowing strategy. At Purbeck, applications from construction businesses surged 87 per cent quarter-on-quarter in Q1 2026, with close to one in five applications across all sectors coming from construction firms. For many, PGI has become a practical tool for accessing finance with greater confidence— providing a safety net if a guarantee is called, without blocking the path to essential funding.
FIBA brokers are central to this conversation: helping clients understand not just where to find capital, but how to manage the personal risk that increasingly comes with it.
About personal guarantee insurance
Personal Guarantee Insurance provides directors with financial protection if a lender enforces a personal guarantee, helping to cover the guaranteed amount and reduce the impact on personal assets, while supporting continued access to vital business finance. Available for personal guarantee commitments between £ 5,000- £ 750,000, Purbeck Insurance Services has helped over 5000 business owners and directors secure finance in the knowledge that their personal assets are protected.
Sources 1. www. bcg. com / united-kingdom / centre-for-growth 2. www. ft. com / content
Find out more
Find out more about Purbecks range of specialist insurance solutions by visiting our website.