divided risk endorsement
A divided risk endorsement can be attached to any type of insurance policy for the purpose of delineating exposures covered by particular insurance policies (e.g., project or site-specific policies) to remove any possibility of double coverage.
Additional Information
For example, these endorsements are commonly used on contractors' workers compensation policies to exclude payrolls associated with the contractor's work on a project that is insured under a wrap-up insurance program.
