PuzzleType=Crossword
PuzzleTitle=Business Owners Policy & Workers Comp
PuzzleDate=
PuzzleAuthor=
PuzzleCopyright=Play Games...Pass the Test   © TESTivity
PuzzleBackgroundColor=#FFFFFF
GridBackgroundColor=#DFDFDF
PuzzleTextColor=#000000
PuzzleTextSize=Normal
CrosswordAllowCheck=True
CrosswordAllowRevealWord=True
CrosswordAllowRevealLetter=True
CrosswordAllowSolve=False
CrosswordForceUpperCase=True
PuzzleUseTimer=True
GridShadow=3
GridWidth=26
GridHeight=23
GridValues=0 0 0 0 0 0 0 0 0 0 1r0 1d0 1s1t1a1t1e0 0 0 0 0 1s0 1c1o1m1p1e1t1i1t1i1v1e0 1i0 1u0 0 0 0 0 0 0 1m0 1p0 1o0 0 0 0 0 0 0 0 0 1d0 1s0 1r0 1t1h1i1r1t1y1o1n1e0 1m0 0 0 0 0 0 0 0 0 1u0 1e0 1v0 0 0 0 0 0 0 1r0 1c0 1p0 0 0 0 0 0 0 1p1a1c1k1a1g1e0 1a1v1e1r1a1g1e0 1i0 1u0 0 0 0 0 0 0 1o0 1e0 1s0 1y0 0 0 1n0 0 0 0 0 1a0 1l0 0 0 0 1m0 0 1l0 0 0 1e0 1s0 0 0 1d0 0 0 0 0 1l0 1s0 0 0 0 1o0 0 1i0 0 1s0 0 0 0 0 0 1o0 1e0 0 0 0 0 1o0 1b1o1n1d0 0 1c0 0 1t0 0 0 1c0 0 1r0 1l0 0 1i0 0 1r0 0 0 0 1i0 0 1y0 1m1o1n1o1p1o1l1i1s1t1i1c0 1n0 0 1y0 0 0 0 1f0 0 1p0 0 1r0 0 0 1m0 0 1e0 1g0 0 1f0 0 0 0 0 0 0 1i0 0 1e0 0 1a0 0 0 1p0 0 1m0 1i0 0 1l0 0 0 0 0 0 0 1c0 0 1r0 0 1g0 0 0 1l0 0 1e0 1b0 0 1a0 0 0 0 0 0 0 1a1s1s1i1g1n1e1d0 0 1y0 0 1n0 1i0 0 1t0 0 1e1x1e1m1p1t0 0 1o0 0 0 0 0 0 0 0 0 1t0 1l0 0 1i0 0 0 0 0 0 0 1i0 0 1d0 0 0 0 0 1n0 1s0 0 0 1i0 0 1o0 0 0 0 0 0 0 1o0 0 0 1c0 0 0 0 1e1x1p1i1r1a1t1i1o1n0 0 0 0 0 0 1i1n1j1u1r1i1e1s0 0 1v0 1o0 0 0 1y0 0 1g0 0 0 0 0 0 0 0 0 0 0 1v0 0 0 0 1e0 1u0 0 0 0 0 0 1u0 0 0 0 0 1p1o1l1l1u1t1i1o1n0 0 1r0 1s0 0 0 0 0 0 1a0 0 0 0 0 1a0 0 1e0 0 1l0 0 0 0 0 0 1e0 0 0 0 1l1a1r1g1e0 0 0 1y0 0 1s0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1d0 0 0 0 0 0 0 0 1s1u1b1r1o1g1a1t1i1o1n0 0 0 0 0 0 0 0 0 
Checksum=1008666370
CWA=Workers comp liability limits are set by the______
CWA=When workers comp is purchased from an authorized insurer it is called ________
CWA=With a BOP unless at least _______% of building's total square footage is rented or used to conduct operations, there will be no coverage for: vandalism, sprinkler leakage, water damage, and theft.
CWA=Workers Compensation cannot be added to a ______ policy.  It always stands alone
CWA=Loss of income is covered by Workers Compensation up to 66.7% of ________weekly wages
CWA=If an employer wants to self-insure its workers comp program it must post a fidelity _____.
CWA=When workers comp is purchased from the state fund it is called ________
CWA=All insurers selling Workers Compensation must participate in the Workers Compensation ______ Risk Plan
CWA=Self-employed owners, partners and corporate officers are usually _______from carrying Workers Comp
CWA=Workers Compensation policies are subject to premium audit by the insurer up to 3 years after ________
CWA=Workers Comp premiums are adjusted annually by the frequency of employee _______ which is known as the Experience Modification Factor
CWA=An unendorsed BOP provides ________ cleanup up to $10,000.
CWA=_______ manufacturers are not eligible for a BOP
CWA=Part II of a Workers Compensation policy contains the right of ________, to keep the injured worker from collecting twice
CWD=The standard deductible on a BOP is $500, although a higher deductible may be chosen to ______ the premium
CWD=Workers comp covers both occupational injury and _______
CWD=When issuing a BOP, the insurer has the right to conduct periodic inspections and _______ of insured property
CWD=The BOP ______ Form is all-risk on both building and contents, and it contains and 80% coinsurance clause
CWD=Workers comp is required by state law, this make it _______ coverage
CWD=An employer with an NCCI experience modification factor of 1.27 has had _____ than the average number of claims
CWD=The aggregate limit of liability contained in a Business Owners Policy is the most the insurance company will pay for all occurrences during the ____ ____ (2 Words)
CWD=Business income coverage is available on a BOP via _______
CWD=In workers comp, historic claims filed by a particular employer is called the experience _______ factor
CWD=A _______ facility with over 25,000 sq feet of space is not eligible for a BOP
CWD=________ for worker comp is determined by the Sate
CWD=If an insurer issues a Workers Comp policy that does not _______ with state requirements, they must pay the mandated coverages in the event of a claim
CWD=With the BOP, the _____ _____Endorsement increases policy limits on each policy anniversary date by 8% automatically (2 Words)
CWD=Under Workers Compensation, the term "permanent total" means you will ______ work again
CWD=Upon work-related death, Workers Compensation will pay income benefits to surviving ______ and/or children
CWD=_______ Authority coverage begins 72 hours after the action by the civil authority and is available up to 3 weeks
CWD=Even if the employer violates a provision in a Workers Compensation policy, the insurer must covered claims for occupational accident or sickness
CWD=An employer with an NCCI experience modification factor of .89 has had _____ than the average number of claims