Type
Bingo Cards
Description

indemnity
OCIP
policy
labor law
additional insured
construction
CCIP
exclusion
underwriting
contract
general contractor
subcontractor
primary
excess
non-contributory
liability
damages
coverage
240 claim
negligence
Markel
claims
endorsement
building

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Property & Liability Insurance Crossword

Type
Crossword
Description

Is insurance that protects renters from property and liability risks. Renters policy
Is an insurance that protects property owners from property and liability. Homeowner’s policy
: Is a written amendment to an insurance policy. Policyholders often use endorsement to add coverage to their policy for an additional premium. Endorsement
A provision requiring policyholders to insure their building for a stated percentage of its replacement value in order to receive full reimbursement for a loss. Coinsurance clause
Is an insurance to protect against claims for bodily injury to another person or damage to another person’s property Liability coverage
: Is a dangerous place, condition, or object that is particularly attractive to children, such as swimming pools. Attractive nuisance
Is automobile insurance that protects you own car against damage from accidents or vehicle overturning. This coverage will pay for the damage to your car in the event you are at fault and the other driver’s liability insurance does not have to pay. Collision coverage
Is automobile insurance that pays for medical, hospital, and funeral costs of the insured and his or her family and passengers, regardless of fault. injury protection
Is automobile insurance that pays for your injuries when the other driver is legally liable but unable to pay. motorist coverage
Is automobile insurance in which drivers involved in an accident receive reimbursement for their medical and repair expenses from their own insurer. No fault insurance
Known as personal catastrophe policy, supplements your basic auto and property liability coverage by expanding reimbursement limits and including some risks that were excluded in the basic coverage. Umbrella insurance
: Is insurance coverage for the insured’s move able property wherever it may be located. Floater
The causes might be fire, theft, tornado, hail, water, falling objects, natural disasters, and acts of vandalism. Comprehensive

Insurance Key Terms Crossword

Type
Crossword
Description

a situation involving exposure to danger. "flouting the law was too much of a risk" risk
(in business) the forecasting and evaluation of financial risks together with the identification of procedures to avoid or minimize their impact risk management
a practice or arrangement by which a company or government agency provides a guarantee of compensation for specified loss, damage, illness, or death in return for payment of a premium. "many new borrowers take out insurance against unemployment or sickness" insurance
a person or group in whose name an insurance policy is held. policy holder
An insurance premium is the amount of money that an individual or business must pay for an insurance policy. The insurance premium is considered income by the insurance company once it is earned, and also represents a liability in that the insurer must provide coverage for claims being made against the policy. policy premium
a course or principle of action adopted or proposed by a government, party, business, or individual. "the administration's controversial economic policies" policy
the extent to which something is probable; the likelihood of something happening or being the case. "the rain will make the probability of their arrival even greater" probability
state or assert that something is the case, typically without providing evidence or proof. "he claimed that he came from a wealthy, educated family" claim
the extent to which something deals with or applies to something else. "the grammar did not offer total coverage of the language" coverage
able to be deducted, especially from taxable income or tax to be paid. "child-care vouchers will be deductible expenses for employers" deductible
covered by insurance insured
a person or company that underwrites an insurance risk; the party in an insurance contract undertaking to pay compensation. insurer
the state of being responsible for something, especially by law. "the partners accept unlimited liability for any risks they undertake" liability
serious and immediate danger. "his family was in peril" peril
a danger or risk. "the hazards of smoking hazard
DEFINITION of 'Insurance Risk Class' A group of individuals or companies that have similar characteristics which is used to determine the risk associated with underwriting a new policy and the premium that should be charged for coverage. insurable risk
DEFINITION of 'Uninsurable Risk' A hazard or condition that has either a high likelihood of loss, or in which the insurance would be considered against the law. Insurance companies limit their losses by not taking on certain risks that are very likely to soon result in a loss. uninsurable risk

C 131: Chapter 9 Crossword

Type
Crossword
Description

This insures clients if there is a delay in completing construction of a building, addition or renovation due to an insured peril. Risk Assessment
The proximity of _____ buildings increases the probability of damaging other structures during demolition or new construction. Business Interruption / This insures clients if there is a delay in completing construction of a building, addition or renovation due to an insured peril. Adjacent
What clause grants the insured authority to proceed with alterations or repairs as required without informing the insurance company. Permission
The fixed costs to build the structure. Hard Costs
Liability insurance wordings are generally subject to an ____ aggregate. Annual
BUC, temporary structures, equipment used in construction on an off site and in transit are examples of ______ insured. Property
When constructing an _______ is a builders risk policy necessary. Additions
When proposing additions, renovations or alterations, the type of coverage will depend on how ______ the scope of the work is. Extensive
Another name for variable costs incurred at the design and admin phase. Soft Costs
Rip and tear coverage, flood, earthquake and bylaws are examples of common ________. Exclusions
What type of named insured includes the architects, engineers, project managers, owners and general contractors inclusively. Broad
A better way to arrange liability insurance on larger projects is through ____-___ liability wording. Wrap up
Adding more stories to a building is called a _____ addition. Vertical
_______ structures have increased liability exposures complicated by the way the new structure attaches to an existing building. Communicating
UW are mainly concerned with adequate water supply when considering ____ Protection. Fire
Posting signs and controlling access to sites greatly reduces _______ risks to site visitors. Liability
A contractor specializing in construction risks should arrange ______ builders risk policy on a reporting basis rather than each project. Blanket

5-4 Auto Insurance Crossword

Type
Crossword
Description

type of insurance that pays for the repair or replacement of an insured car if it is damaged no matter who is at fault. Usually required if there is a loan on the car. collision insurance
insurance that pays for part of the cost of a rented car if a car is disabled because of a collision. car rental insurance
insurance that covers towing or road service when a car is disabled. emergency road service insurance
a person who predicts how many customers will submit claims based on a criteria such as age or sex or marital status or driving record and residence. actuary
an extra fee paid to car insurance company for dividing an annual premium into monthly, quarterly or semiannual payments. surcharge
part of the repair or damages that a driver has to pay before the insurance company pays. deductible
covers bodily injury during an accident liable, the responsible person that pays for damages they cause with their automobile. bodily injury liability
at fault for causing an accident. You can be sued for this. negligent
contract between a person and insurance company. The driver pays a fee and the company covers certain costs when the driver makes a claim. premium, the amount paid for an insurance policy. automobile insurance
a request for payment by a driver involved in an accident to an insurance company. claim
insurance that covers a person from damages. liability insurance
insurance that covers damage a driver causes to another person's property. property damage liability
coverage that pays for injuries to a driver or passengers caused by a driver who has no insurance or does not have enough insurance to cover the medical losses. uninsured motorist protection
an added insurance coverage mandatory in some states that pays for any physical injuries that the driver or passenger sustain while in the vehicle. Also called no fault insurance. personal injury protection
same as personal injury protection. no fault insurance
insurance that covers the repair or replacement of parts of an insured car damaged by fire or vandalism or any other disaster. it also covers if the car is stolen. comprehensive insurance

Insurance Crossword

Type
Crossword
Description

The state of being responsible for something Liability
What to use when the roof is bad endorsement
Temporary coverage binder
Insured's portion of Loss Deductible
A Loss where there is no value left total
Agent remuneration Commission
Mortgagee _________ Clause
The cause of loss or damage Peril
Claim assessor Adjustor
Demand by the insured Claim
Excess policy Umbrella
Actual ______ Value Cash
Auto/Home __________ Discount
Under_______ Writer
Increases the likelihood of a loss hazard
Homeowners ____________ Insurance
Best Homeowners Insurance AdairCountymutual

Insurance Terminology Crossword

Type
Crossword
Description

An event which may cause a loss to occur. Peril
A standard of honesty greater than that usually required in most ordinary contracts. Utmost Good Faith
The subject of an insurance contract. Risk
Is the undertaking by one person to indemnify another person against loss or liability for loss. Insurance
A chance of loss. Risk
The danger of loss. Exposure
Doing something a reasonable person would not do; or not doing something a reasonable person would do. Negligence
Primary function of insurance. Spread of Risk
Type of physical damage coverage. Collision
Writing on the back of a policy that can change the contract between the insurer and insured. Endorsement
The Insurer must make good the amount of the insured’s financial loss, no more no less. Indemnify
A condition which may cause a peril to occur or make the loss more severe. Hazard

Property and Casualty Crossword

Type
Crossword
Description

leases, easement of license agreements, agreement with a municipality as required by ordinance, sidetracke agreement, elevator maintenance agreements LEASE
Oral or false statements injurious to a person's reputation; a false and malicious statement of report about someone SLANDER
A fasle publication, as in writing, print, signs, or picture that damages a person's reputation LIBEL
Legal doctorine that states that an agent has the authority specifically given to the agent,either orally or in writing, by the principal is what type of authority EXPRESS
A civil wrong for which monetary damages may be providded; does not include losses arising out of contracts TORT
Liability that a person or business incurs because of the actions of others, such as family members or employees VICARIOUS
Type of policy that provides broad coverage for an insured's liability over and above liability covered by an underlying contract; may also cover losses that are excluded by the underlying policiy; available as personal or commercial UMBRELLA
The taking of property by a person unlawfully entering or leaving the premises as evidenced by visible signs of forced entry or exit BURGLARY
Defined in most policies to include injury, sickness, disease, and death resulting from any of these at a time (Abbr) BI
A broad term encompassing any unlawful taking of property, including burglary and robbery THEFT
The intentional relinquishment of a known right WAIVER
Type of physical damage coverage that covers loss that occurs when the insured auto strikes another object or vehicle; may also include upset or overturn of the insured auto COLLISION
A loss that occurs at a specific time and place or over a period of time OCCURRENCE
A from attached to an insurance policy that alters the policy's coverage, terms, and conditions. The additional coverage is listed in the policy, and the cost of insuring each risk must be added to the cost of the premium ENDORSEMENT
Section of an insurance policy that lists property, perils, persons, or situations that are not covered under the policy EXCLUSIONS
Policy that provides property and liability coverage both owned and non-owned autos used, maintained, or operated by the insured and the insured's family members (Abbr) PAP
General term used to desribe someone who sells insurance, such as an agent, broker, or solicitor producer
Under the claims-made CGL form, a date stipulated in the declerations as the first date on which an event may occur and be covered by the policy if a claim is filedis what date Retroactive
Damage to or destruction of property, including loss of use of the propertyis what kind of damage property
A condition or situation that presents a possibility of a loss EXPOSURE
The chance or uncertainty of a loss risk
There are three types: moral, morale, physical Hazard
One policy limit that applies to both BI and PD losses is what limit single
Type of policy limit found in liability policies that limits coverage to a speciified total amount for all losses occurring within the policy period is what limit Aggregate
The withholding of a material fact involved in the contract on which the insurer relies Concealment
The lack of reasonable care that is required to protect others from the unreasonable chance of harm Negligence
Policy condition that outlines a procedure for when the insured and insurer disagree on the amount of a loss. Each party selects an appraiser and two appraisers select an umpire. Appraisal
Condition found in property insurance contracts that provides that if the insurer broadens coverage under a plicy form or endorsement without requiring an additional premium, then all existing similar policies or endorsements will be construed to contain the broadened coverage Liberalization
Replacement cost minus depreciation (Abbr) ACV
Tendency of insureds with a greater than average chance of loss to purchase insurance is what type of selection Adverse
Restores an inusred to the approximate condition before the loss, no better or worse. Indemnity
Federal law designed to ensure that insurance coverage for terrorism losses under commercial line policies will be available and affordable. (Abbr) TRIA
Financila loss resulting directly from a loss to property is what type of loss Direct
An insurance policy or an addition to another insurance policy, covering personal property deemed to be easily movable. Covers property lost,damged, or destroyed Floater
A deliberate misrepresentation that causes harm; an all out effort by one party to decieve and cheat another; must have intent FRAUD
Program established by law that makes property insurance available to insureds who might otherwise be uninsurable in the standard market (Abbr) FAIR
Oral or written statement that provides immediate insurance protection for a specified period; designeed to provide temporary coverage until a policy is issued or denied Binder
Package policy designed to provide broad property and liability coverage for small businesses; eligibilty requirements are stricter than the CPP (Abbr) BOP
An action that, in natural and continuos sequence, produces a loss. is what cause proximate
Statements on an insurance application that the applicant beleives are true; not considered a matter to which the parties contract, so a policy cannot be voided on this basis Representation
Prevents double recovery by assigning or substituting the right of one party to another to collect damages from another party Subrogation
A specific agreement between the insured and the insurer that becomes a part of the insurance policy, a breach of warranty can void the policy Warranty
Absence of both people and property vacancy
Type of contract that is one sided Unilateral
insurance policy that protects the insured from losses caused by any peril that is not specifically excluded by the policy is what type of peril policy Open
Coverage A: dwelling; B:Other structures; C: Personal Property; D:loss of use; E: Personal Liability; F: Medial payments; is what type of policy Homeowners
Ammount of expenses that must be paid out of pocket before insurer will pay any expenses coverd from a loss Deductable
Risk in which there is no chance of gain, only loss Pure

C131: Chapter 9 Crossword

Type
Crossword
Description

When is a builders risk policy necessary? additions
What clause grants the insured authority to proceed with alterations or repairs as required without informing the insurance company? permission
The fixed costs to build the structure? Hard
What is the name for variable costs are incurred in the design and administrative phase? Soft Costs
This insures clients if there is a delay in completing construction of a building, addition or renovation due to an insured peril. business interruption
A better way to arrange liability insurance on larger projects is through ____-___ liability wording. wrapup
Liability insurance wordings are generally subject to an __________ aggregate. annual
What type of named insured includes the architects, engineers, project managers, owners and general contractors? Broad
Rip and tear coverage, flood, earthquake and bylaws are examples of________ Exclusions
The proximity of __________ buildings increases the probability of damaging other structures during demolition or new construction. adjacent
Adding more stories to a building is called a ____________ addition. vertical
__________ structures have increased liability exposures complicated by the way the new structure attaches to an existing building. communicating
When proposing additions, renovations or alterations, the type of coverage will depend on how ______________ the work is. extensive
When an insurance agent details the scope of work, location, construction, protection, limits of insurance and policy length, what are they doing Risk Assessment
BUC, temporary structures, equipment used in construction on an off site and in transit are examples of _____________ insured. property

Insurance terms Word Search

Type
Word Search
Description

Premium
Unearned premium
Standard policy
Proof of loss
Probability
Peril
Loss
Insurer
Insured
Insurance agent
Grace Period
Face amount
Exclusions
Deductible
Coverage
Claim
Cash Value
Benefits
Beneficiary
Actuary
Actuarial table
Hazard

Insurance terms 101 Crossword

Type
Crossword
Description

Another word for amendment endorsement
Digital breach aka Data
Not just for a rainy day Umbrella
Typically 12 months Term
License update requirement Cecredits
Professional liability Eando
What must have occurred for a loss? Damages
Small business comprehensive coverage tool Bop
Maximum a policy will pay Limits
Maximum policy will pay in a policy term Aggregate
Insurance price tag Quote
You're at fault, you're ______________ Liable
Your clients go-to person (acronym) Csr
Insured info & policy specs page (abbr) Dec
Go backwards on policy effective date Backdate
Cancelation w/full premium returned Flat
Cancellation w/minimum premium earned Short
They bring in new business Producers
Extended discovery period coverage Tail