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Apportionment involves the question of "how much" each of two or more policies covering a risk that sustained a loss will contribute to that loss.

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In workers compensation insurance, it is the division of liability for an occupational illness among various entities. Usually, this means dividing it among a group of employers in whose employment the employee was exposed to the conditions that contributed to the illness. It can also mean division of liability between an employer and a fund, such as a second injury fund, that pays for the portion of a claim attributable to preexisting conditions.