Insurance

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Across
  1. 2. A flat fee that you pay on the spot each time you go to your doctor or fill a prescription.
  2. 5. A specialized type of commercial property insurance that covers high-value, movable goods, equipment, and materials while in transit over land (truck/train), stored off-site, or while in a third party's possession (bailee).
  3. 6. The amount of money an individual or business pays regularly—monthly, quarterly, or annually—to an insurance company to keep a policy active and in force.
  4. 7. A specific loss, damage, or destruction to property, such as fire, windstorm, theft, or vandalism.
  5. 8. An individual or organization covered by an insurance policy, whose life, health, or property is protected against loss.
  6. 10. The individual or entity (like a business) that owns an insurance policy, holds the legal contract, and is responsible for paying premiums.
  7. 13. A type of coverage, typically offered by employers or unions, that provides health benefits to members and their dependents under a single contract.
  8. 15. A type of personal liability insurance that provides extra coverage beyond the limits of standard homeowners, auto, or boat insurance policies.
  9. 17. A permanent life insurance that provides lifelong coverage, a guaranteed death benefit
Down
  1. 1. Designed to cover high-value, movable personal property—such as jewelry, art, or equipment—that standard homeowners or business policies may not adequately protect
  2. 3. The fixed, out-of-pocket amount you must pay for covered insurance claims before your insurance company starts to pay.
  3. 4. A risk-mitigation policy required by lenders for conventional loans with less than a 20% down payment.
  4. 5. An entity, usually a company or corporation, that provides insurance coverage, underwrites risks, and compensates the insured for specific losses or damages under a contract.
  5. 9. A mandatory, state-filed certificate of financial responsibility, not a type of insurance policy itself, confirming you carry minimum liability coverage.
  6. 11. An optional, customizable amendment or endorsement added to an existing policy to expand, restrict, or modify coverage for specific needs.
  7. 12. Temporary, legally binding contract issued by an insurer or agent that provides immediate evidence of insurance coverage before the formal policy is finalized
  8. 14. A set amount of time after a premium due date—typically 24 hours to 30 days—during which coverage remains active despite non-payment.
  9. 16. Person whose life or property is insured who may or may not be the policyholder