What it does
WC 00 03 02 (Ed. 4-84) is a one-sentence exclusion: the policy does not cover work conducted at or from the workplace the carrier describes in the blank. Because the policy's General Section E covers all workplaces in Item 3.A. states unless the insured has other insurance or is self-insured for them, this endorsement is how a carrier makes a carve-out explicit.
Who needs it
Typical uses shown in the North Carolina bureau's instruction sheet:
- Excluding a specific office address.
- Excluding a construction site, described by project, location and contract, such as a project covered by a wrap-up program.
- Covering one location while excluding every other place in a state ("any place in the State of … except …").
- Excluding work insured by another policy, identified by policy number and carrier.
The instructions also limit its use to situations where the exclusion is appropriate under the state's compensation act.
Quoting and selling notes
- For contractors enrolled in an OCIP or CCIP, confirm the wrap-up policy number and the exact project description before attaching the exclusion, and remove the project payroll from the contractor's own policy so premium is not paid twice.
- Watch for gaps: off-site work, fabrication shops and travel to and from the project may fall outside the wrap-up's definition of the site. The exclusion wording "at or from" should match what the wrap-up actually covers.
- An employer cannot use this endorsement to leave statutory employees uninsured; another policy or approved self-insurance must cover the excluded workplace.
Related forms
Base policy WC 00 00 00; retrospective rating WC 00 05 03 (the wrap-up construction version is WC 00 05 05).
