C11

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Across
  1. 2. the hazard that relates to the character of the insured
  2. 4. an independent business person who may place business with an number of insurer's
  3. 5. put back into the same position as just prior to a loss
  4. 8. when a person is forbidden by law to speak against his own act or deed
  5. 10. funds put aside to pay for losses reported but not yet paid or not yet reported
  6. 11. a legal decision serving as an authoritative rule in future similar events
  7. 15. what a written contract prevents
  8. 17. total amount for which the insurer is at risk
  9. 20. type of delivery system for insurance (2 words)
  10. 21. when a insurer issues a policy at the request of another insurance company
  11. 24. a category of insurance
  12. 26. rate used when a insured cancels a policy
  13. 29. a time after which a cause of action ceases
  14. 31. amount of a loss that the insured must pay
  15. 33. Office of the Superintendent of Insurance
  16. 34. overrides all common law dealing with the same point
  17. 38. payment for business produced
  18. 40. risk to a business
Down
  1. 1. promise by the insured that a specified state of affairs will continue to exist for the duration of the policy
  2. 3. type of adjuster that works for the insured
  3. 6. a general group such as the public at large
  4. 7. price of a unit of insurance for a period of one year, expressed in dollars, cents or percentage
  5. 9. the law that is concerned with the methods of protecting and enforcing rights and duties
  6. 11. the premium required to the losses that occur
  7. 12. one way an insurer spreads risk
  8. 13. one function of insurance
  9. 14. element of a contract
  10. 16. an event that will give rise to a loss
  11. 18. the cause of loss that is the immediate and effective cause of the loss or damage
  12. 19. reason for voiding a contract
  13. 22. type of contract where value is determined at the time the item is insured
  14. 23. is the instrument evidencing a contract
  15. 25. a type of contract that is treated as if it never existed
  16. 27. one party fails to perform
  17. 28. attachment to a policy which varies the term of the contract
  18. 30. is the right of the insurer to assume the rights of recover from the loss
  19. 32. is not an insurance company but a market
  20. 35. actual cash value
  21. 36. - first priority of producers
  22. 37. the party who brings a legal action against another
  23. 39. first thing a risk manager does with a risk
  24. 41. civil wrong