Risk Management

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Across
  1. 4. Share of loss based on insurance proportion
  2. 6. Risk type with potential for loss or gain, as in gambling
  3. 8. Risk increase due to insured parties' dishonest actions
  4. 10. Ability to meet debts with assets exceeding liabilities
  5. 12. Restoring financial position after a loss
Down
  1. 1. Insurance company owned by a parent firm to cover its own risks
  2. 2. Independent agent not tied to a single insurer
  3. 3. Risk pooling system to indemnify against losses
  4. 5. Coverage for medical costs due to sickness or injury
  5. 7. Shifting pure risk from the insured to a financially stronger insurer
  6. 9. Strategy of eliminating risk by not engaging
  7. 11. Risk minimization by dividing assets