=if(divider=0; 0; value/divider)
If(truth test ;if truth test is true value in cell is this ; if truth test is not true formula in cell is this (your actual formula goes here)
So, you can make a formula that will first test divider. If it is zero, the answer will be 0. If divider is any other value than zero, formula will count you're actual calculation.
Helped you any?