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Across 3. the state of being legally responsible for something 4. the crime of cheating somebody in order to get money or goods illegally 7. a type of insurance in which you make regular payments so that you receive a sum of money when you are a particular age, or so that your family will receive a sum of money when you die 8. the possibility of something bad happening at some time in the future; a situation that could be dangerous or have a bad result 9. to come to an agreement 10. a sudden, violent shaking of the earth's surface 13. the state of no longer having something or as much of something 15. a person whose job involves calculating insurance risks and payments for insurance companies by studying how frequently accidents, fires, deaths, etc. happen 16. something, especially money, that somebody gives you because they have hurt you, or damaged something that you own; the act of giving this to somebody 17. a person who claims something because they believe they have a right to it 18. a type of insurance that pays a fixed amount of money to somebody each year

Down 1. the act of identifying possible risks, calculating how likely they are to happen and estimating what effects they might have, especially in the context of a company taking responsibility for the safety of its employees or members of the public 2. a person who buys and sells things for other people 5. a request for a sum of money that you believe you have a right to, especially from a company, the government, etc 6. an arrangement with a company in which you pay them regular amounts of money and they agree to pay the costs, for example, if you die or are ill/sick, or if you lose or damage something 11. an amount of money that you pay once or regularly for an insurance policy 12. an amount of money that is taken off the usual cost of something 14. a statement of how much money a particular service will cost