Insurance for the people bold enough to bet on themselves

Jason was looking at buying another small business.

The business made sense. The financing path was familiar. The opportunity was real.

Then the personal guarantee became the issue.

This was not just about Jason's downside. It was about the family balance sheet. It was about whether a business loan could put his wife's unrelated real estate business at risk of liquidation.

What would happen if the deal didn't work out due to factors outside of his control? The structure put everyone on the line.

There had to be a better way. Ink was built to make that better way real.

Through EBIT Community, Jason was already talking to hundreds of people trying to buy small businesses.

The same pattern kept appearing.

Buyers had a plan for the business: revenue, margins, seller notes, customer concentration, and financing structure.

But the personal guarantee still showed up late, emotionally, and often without a clear plan. Spouses asked what happened to the house. Buyers wondered how much of their net worth was really exposed. Advisors could explain the document, but there was rarely a product built for the risk.

Ink grew out of those conversations.

A new insurance product cannot be built on anecdotes alone.

It needs data, underwriting, pricing, claims logic, and actuarial discipline.

That is why Jason teamed up with Devyn McNicoll, a property and casualty actuary with credentials including ACAS, CSPA, and MAAA. Most recently, she worked at Pinpoint Predictive, where she built behavioral AI models used to evaluate risk.

At Ink, Devyn leads actuarial, pricing, and underwriting model development.

The goal is simple: build Personal Guarantee Insurance with the same seriousness as the risk it covers.