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Todd Davison
Todd Davison
Todd qualified as a Chartered Accountant with the Institute of Chartered Accountants England and Wales (“ICAEW”) in 2013. His training contract was with Deloitte LLP. Todd co-founded Purbeck Insurance in May 2016 to provide an insurance solution for Director guarantors, giving them the confidence to access business finance and pursue their growth objectives. Since launch in June 2017, Purbeck Insurance has supported over 3500 SME Directors on over £550million of Personal Guarantees.
Late payments are not just a cashflow problem

Late payments are not just a cashflow problem. They are increasing personal financial risk for SME directors

Todd Davison
May 20 '26
There is a dangerous misconception in British business that late payments are simply an inconvenience. An administrative issue. A minor delay in SME cashflow that businesses should somehow be able to absorb. For many UK SMEs, it is nothing of the sort
While International Women’s Day may have come and gone the spotlight continues to shine on a male/female funding gap, as seen in new data from personal guarantee insurance (PGI) provider, Purbeck Insurance Services.

Female SME borrowing surges 51%, but male/female funding gap persists

Todd Davison
Mar 12 '26
While International Women’s Day may have come and gone the spotlight continues to shine on a male/female funding gap, as seen in new data from personal guarantee insurance (PGI) provider, Purbeck Insurance Services
Purbeck gives thumbs-up to Government advice highlighting Personal Guarantee Insurance

Purbeck gives thumbs-up to Government advice highlighting Personal Guarantee Insurance

Todd Davison
Jan 9 '26
Advisory, published by The Insolvency Service, outlines risks associated with signing a personal guarantee (PG) and highlights how personal guarantee insurance can help safeguard directors’ personal assets
Budget warning – One in three SME loans puts owners’ home at risk

Budget warning – One in three SME loans puts owners’ home at risk

Todd Davison
Nov 6 '25
New research has revealed the scale of personal risk facing the UK’s entrepreneurs. One in three SME loans has a personal guarantee (PG) in place
UK small and medium-sized enterprises (SMEs) are prioritising their people as well as the planet, despite their own economic pressures, according to Purbeck Insurance Services.

SMEs prioritise people and planet

Todd Davison
Jun 4 '25
UK small and medium-sized enterprises (SMEs) are prioritising their people as well as the planet, despite their own economic pressures, according to Purbeck Insurance Services
In recognition of Mental Health Awareness Week (12-15th May 2025), Purbeck Insurance Services is urging the overworked SME community to acknowledge mental wellbeing.

Too many small businesses fall through the cracks when it comes to looking after mental wellbeing

Todd Davison
May 15 '25
In recognition of Mental Health Awareness Week (12-15th May 2025), Purbeck Insurance Services is urging the overworked SME community to acknowledge mental wellbeing
Play it safe with personal guarantees

Play it safe with personal guarantees

Todd Davison
Nov 1 '19
It’s a buzz running a small business, but as the founder of a rapidly growing enterprise, I have a fairly good idea of what can keep other small business owners awake at night. Money.