The Worldwide Outfitter & Guides Association (“WOGA”) is a non-profit industry association of professional outfitters and guides that provides individual members with access to liability insurance through the association. Liability insurance can be difficult for industry professionals, especially small operators, to obtain. WOGA provides a solution for insurance needs.
RPG refers to a “Risk Purchasing Group” authorized and formed under the Federal Liability Risk Retention Act of 1986. During the insurance crisis of the 1980s, Congress passed legislation allowing certain industries to form groups for the purpose of obtaining insurance because many smaller industry participants could not obtain or afford coverage on their own.
WOGA was one of the first RPGs formed under the Risk Retention Act and began operations in 1986. WOGA , formed in Utah, is registered in all 50 states to provide insurance coverage to members and has been a continual provider of insurance to the outdoor industry since formation.
WOGA has been available to the industry for 20 years and will continue to be available. Unlike many markets, WOGA has not come and gone over the years. WOGA has been constant. As a result of continual service to the industry, WOGA has vast experience handling industry specific claims and sticks by its Members. WOGA remains committed to providing a defense for Members rather than simply entering into “nuisance” settlements which can have a devastating long-term effect on Member’s businesses. If a defense is warranted, WOGA will provide it.
WOGA has obtained its insurance coverage for over 20 years from AM Best “A” rated insurance carriers.
With group insurance, a master policy is issued to the insured organization, in this case WOGA , and each member is issued insurance through a certificate that adds the member to the master policy.
WOGA ‘s coverage specifically provides each individual member with his, her, or its own limits of insurance so coverage is not limited by other members’ claims.
On occasion, insurance brokers may say RPG coverage is not “real insurance,” but they are mistaken. In fact, WOGA offers coverage from Lloyd’s of London, one of the oldest and most reputable names in the insurance business. RPG’s should be looked at carefully to make sure they have expertise and experience in the industry and obtain coverage from a reputable insurance name such as Lloyd’s.
Unfortunately for insurance brokers, WOGA does not pay a commission to producers. The Association goes direct to the insurer for coverage so no commissions are paid. In some circumstances, this is why a broker may tell a client that RPG’s are not “real insurance.”
Historically, the insurance industry has encouraged as much coverage as possible; however, lower limits are frequently more than adequate to provide owner operators with all the coverage needed. Additionally, having higher limits often provides clients and their attorneys with more incentive to sue because more money is available under the policy. WOGA typically quotes $100,000 per accident and $300,000 aggregate for a basic quote for most risks-although optional higher limit quotes are provided and offered. WOGA can provide up to several million dollars in coverage.
WOGA is registered in all states to provide insurance and the coverage offered generally meets all state requirements. If you have specific questions, please contact the state office that regulates your activities. Additionally, WOGA coverage is also accepted by state and Federal regulatory agencies such as the National Forest Service and others.
WOGA ‘s membership fee of $80 annually can be paid by check, EFT, or credit card.
WOGA , as a non-profit association, does incur costs associated with accounting, marketing, and administration. Membership fees pay the cost of doing business and attracting new members to ensure a continued industry group.