PGicover Partner Program

Help Canada grow. Offer Personal Guarantee Insurance

Help your clients manage the personal risk that comes with a business loan. Introduce them to Personal Guarantee Insurance. Where permitted, earn income from qualified referrals.

Become a Partner How It Works
A red maple seedling growing from a mound of soil

Why Partner with PGicover?

01
Revenue

Create a new revenue stream

Where permitted, earn a flat fee for each qualified referral.

02
Clients

Give clients another way to manage risk

Personal Guarantee Insurance can help business owners cap their personal downside when a business loan carries a personal guarantee.

03
Effort

Easy to get started

Sign up, introduce your client, and PGicover handles the insurance process.

Referral partners

How it works

  1. 01

    Sign up. Apply to join the PGicover Partner Program. It's free.

  2. 02

    Share your partner link. Send it to the business owners you work with. PGicover handles the insurance conversation and the application.

  3. 03

    You earn, where permitted. Receive a flat referral fee* for each qualified referral.**

Become a Partner
* Compensation terms are set out in the partner agreement and shared during signup. ** One referral fee per new client you refer.
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Partner
Your partner link
pgicover.com/your-firm
Recent introductions
Northfield Dental GroupCSBFP loan
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Harbourline LogisticsAcquisition financing
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Maple & Birch CaféTerm loan
Bound
For fintechs and lenders

PGicover Integration Options

Three ways to make Personal Guarantee Insurance available inside your financing journey. Start simple and go deeper when you are ready.

Crawl

Co-branded link out

  • Brand and colour configuration
  • No data sharing
  • No technical resources required
Get Started
Walk

Data-driven referral link

  • Branding and colour configuration
  • Share loan and guarantor data, with the client's written consent, for a faster quote
  • URL parameters or light API
Get Started
Run

Headless API

  • Fully integrated brand experience
  • Data sharing to arrive at a quote
  • Moderate technical lift with API calls
Get Started
Referral fees

Partner compensation

For referral partners, your partner level is set by the number of qualified referrals you have made. A flat fee is paid for each qualified referral, whether or not your client buys a policy.

Qualifying professions:

  • Licensed mortgage brokers and agents
  • Licensed real estate brokers and agents
  • Licensed mutual fund representatives
  • Financial planners
  • Premium financing businesses
  • Businesses whose products or services reduce insurance risk
  • Licensed insurance agents and brokers
Partner levelQualificationReferral fee
Referral Partner1 to 4 qualified referrals$25per referral
Growth Partner5 to 9 qualified referrals$75per referral
Preferred Partner10+ qualified referrals$100per referral
Strategic PartnerBy agreementMajor platforms and high-volume partnersNegotiated rate
Your referral fee is set by your partner level at the time the referral qualifies. One referral fee is paid for each new client you refer. What counts as a qualified referral is set out in the partner agreement. Strategic Partner terms are negotiated individually. This offer void where prohibited.
FAQ

Common partner questions

You do not need an insurance licence to introduce a client, and you must not give insurance advice. Whether a referral fee can be paid depends on your licence status, your role and the province. In Ontario, referral fees can only be paid to certain licensed and regulated professionals, such as mortgage brokers and financial planners. Your written referral agreement sets out what applies to you.

Personal Guarantee Insurance pays the named insured, the director who signed the guarantee, for part of their exposure if a personal guarantee is enforced, subject to the policy terms. It does not cover the whole loan or prevent a business from defaulting.

You introduce the client. PGicover handles the insurance conversation, the application and everything after it.

Fees are paid on the schedule set out in your written referral agreement, which you receive during signup.

Across Canada, except Quebec. Coverage is claims-made and tied to an active policy period.

Partner resources

A value proposition you can share

Download a one-pager to share with your partners. We'll help them understand personal guarantee insurance, facts and figures.

For commercial finance brokers, lenders, funding platforms and financing advisors. Explains how Personal Guarantee Insurance sits alongside a business loan and what it means for the borrower.

Download 1-pager

For advisors working with buyers taking on acquisition debt and personal guarantees. Covers the personal exposure in a deal and how coverage caps it.

Download 1-pager

For professionals who help owners plan financing, acquisitions and growth. Plain-language facts, figures and policy terms to share with clients.

Download 1-pager

For people with relationships with Canadian business owners. A short introduction to personal guarantee risk and how PGicover helps, with no insurance advice required.

Download 1-pager
Built to protect business owners

Bring Something New to the Conversation

Help Canadian entrepreneurs manage the personal risk that comes with growing their business.

Most clients sign the guarantee without a second look

Business owners often focus on the loan itself and pay less attention to the personal exposure created by the guarantee. Partners can help put that risk on the table.

The only Personal Guarantee Insurance in Canada

Personal Guarantee Insurance gives business owners another tool for managing personal financial exposure when financing a business.

You introduce the client. PGicover does the rest.

You do not need to become an insurance expert. Introduce the client. PGicover handles the insurance process.