New Year's Crossword Puzzle

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Across
  1. 3. Failure to do something that most reasonable people would do, such as providing adequate safety equipment at work
  2. 6. Compensation for loss or damages, or protection against a claim of these
  3. 7. A payment given by an insurer where there is no legal requirement to do so
  4. 9. A person who makes a claim
  5. 10. An individual who sells, services, or negotiates insurance policies either on behalf of a company or independently
Down
  1. 1. A contract providing income for a specified period of time, or duration of life for a person or persons
  2. 2. The part of an insurance claim which is carried by the insured
  3. 4. The danger that is insured against.
  4. 5. Circumstance which tends to increase the probability or severity of a loss
  5. 8. An event with natural causes whose consequences could not reasonably be anticipated