diff --git a/src/mod_guildfunds_loot.cpp b/src/mod_guildfunds_loot.cpp
index c674e48..2572d83 100644
--- a/src/mod_guildfunds_loot.cpp
+++ b/src/mod_guildfunds_loot.cpp
@@ -5,6 +5,9 @@
 
 void GuildFunds::OnLootMoney(Player* player, uint32 gold)
 {
+    if (LootMultiplier < 1)
+        return;
+
     if (Group* group = player->GetGroup())
     {
         uint32 membersInRange = 0;
@@ -17,7 +20,10 @@ void GuildFunds::OnLootMoney(Player* player, uint32 gold)
             }
         }
 
-        if (LootMultiplier < 1)
+        // Guard the division. In practice the looter counts themselves, but a group whose
+        // members all fail the distance check would divide by zero and take worldserver
+        // down with SIGFPE.
+        if (!membersInRange)
             return;
 
         uint32 money = (gold / membersInRange) * LootMultiplier / 100;
@@ -49,7 +55,7 @@ void GuildFunds::OnLootMoney(Player* player, uint32 gold)
         {
             uint32 money = gold * LootMultiplier / 100;
 
-            if (money < 1 || LootMultiplier < 1)
+            if (money < 1)
                 return;
 
             guild->HandleMemberDepositMoney(player->GetSession(), money);