Board meeting: 03/11/2026, 9:00 AM PDT
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Washington Insurance Guaranty Association
About Us
The Washington Insurance Guaranty Association (WAGA) is an entity created by Washington statute to protect the public in the event of a failure of a property and/or casualty insurance company.
In the event an insurance company becomes insolvent, Washington Insurance Guaranty Association will assume the processing of all covered claims in accordance with the applicable insurance policies and the applicable Washington statutes.
WAGA is part of a non-profit, state-based, statutorily-created system that pays certain covered claims of insolvent property and casualty insurance companies. By paying these claims, Washington Insurance Guaranty Association protects policy holders and claimants.
Guaranty associations are active in every state, the District of Columbia, Puerto Rico and the U.S. Virgin Islands. State laws require that licensed property and casualty insurance companies belong to the guaranty associations in all states where they are licensed to do business.
A guaranty association system also exists in Washington for the life, health and annuity insurance industry (see the link in the "Resources" dropdown menu); but they operate independently from the property and casualty system. The information on this website concerns only the property and casualty insurance guaranty association (WAGA).
Get Started
Claimants
You had insurance with a company that has been placed into liquidation.
Providers
You provide services to claimants for claims handled by WGFS.
Members
You are an insurer who is required by law to be a member of the guaranty association in states which WGFS manages.
Frequently Asked Questions (FAQs)
WAGA is part of a non-profit, state-based, statutorily-created system that pays certain covered claims of insolvent insurance companies. By paying these claims, guaranty associations protect policyholders and claimants.
Guaranty associations are active in every state, the District of Columbia, Puerto Rico and the Virgin Islands. State laws require that licensed property and casualty insurance companies belong to the guaranty associations in all states where they are licensed to do business.
A guaranty association system also exists in each state for the life, health and annuity insurance industry; but they operate independently from the property and casualty system. This information concerns only the property and casualty guaranty association. WAGA does not handle life, health, or annuity insurance. Please visit the corresponding life and health guaranty association via the "Resources" group in the navigational menu on this page.