You be Insurance Guru?! Prove it!!

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Across
  1. 2. The value of property insured
  2. 3. An occurrence that leads to a claim
  3. 6. The amount paid regularly to keep a policy active
  4. 8. Action taken to reduce the likelihood of loss
  5. 11. Insurance that protects against legal claims
  6. 12. Protection provided by an insurance policy
  7. 15. Payment required before a claim is settled
  8. 17. Financial protection against unexpected loss
  9. 18. Professional who sells insurance policies
  10. 19. A change made to a policy after it starts
Down
  1. 1. Maximum amount payable by the insurer
  2. 4. Cancellation of a policy by the insurer
  3. 5. Sharing risk between insurer and insured
  4. 7. The document that sets out cover terms and conditions
  5. 9. A formal request made to an insurer after a loss
  6. 10. Person who receives claim payment
  7. 13. Circumstances that increase the chance of a loss
  8. 14. Delay between policy start and full cover
  9. 16. The person or entity covered under a policy