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Across 1. Up to 10% of the dwelling limit for that part of the loss attributable to enforcement of building codes. 4. California Insurance Guarantee Association 6. License to do business in California 8. Consolidated Omnibus Budget Reconciliation Act of 1986 10. This is the chance or possibility of financial loss when the outcome is uncertain 11. List of Eligible Surplus Line Insurers 12. in a commercial property contract, it is an optional coverage which suspends the coinsurance clause 13. Federal Emergency Management Agency 14. Actual Cash Value 15. a policy that covers losses caused by any peril unless specifically excluded 18. A commercial package policy for small business with moderate loss exposures. 19. Human carelessness or indifference to potential losses 20. A risk whose outcome could be a loss or no loss without the possibility of gain

Down 2. this is the most the insurer will pay during a policy year 3. the tendency of poor risks with greater loss potential to purchase and renew insurance 5. Arising from insured's dishonesty 6. employee who investigates and adjusts claims on behalf of an insurer 7. A risk in which the outcome could be a loss or gain 9. Commercial General Liability 12. Liability - some activities are so dangerous that anyone engaging in them is automatically liable for injuries to a third party 16. California Earthquake Authority 17. a land motor vehicle, trailer or semi-trailer designed for travel on public roads but, does not include mobile equipment