Two (or more) policies, each covering a range of risks, are of independent range when each covers property of a specific description that is within the non-identical range of the other. The policies overlap in that they have common ground (e.g. Policy 1 insures stock in buildings A, B, and C; Policy 2 insures stock in A and B only).
***
Insurance policies are said to be of independent range when one cover property of certain classes or at certain situations and the other covers classes of property or situations which are not identical. If there is some overlap in cover the respective insurers must contribute in the settlement of a loss.