Insurance in words

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Across
  1. 3. - Strange name for a contract
  2. 4. - Something happened
  3. 7. - We got you covered
  4. 8. - Extra coverage
  5. 10. - Recovery
  6. 12. - Odd name for a payment
  7. 13. - Who's at fault?
  8. 14. - Insurance for insurers
Down
  1. 1. - A necessary intermediary
  2. 2. - This is NOT covered
  3. 5. - You have to pay this yourself
  4. 6. - A math geek
  5. 9. - A specific risk
  6. 11. - Very strange job title for someone who calculates premium