13.A document that amends (or changes) an insurance policy is called a. an endorsement the insuring agreement c. exclusion d. a cancellation 14. An intentional failure to disclose a material fact is called: tmost good faith exclusion c. concealment d. a hazard 15. The principle that a person is not to profit from an insured claim is called a. the exclusion clause b, the principle of indemnity Othe law of subrogation d. insuring agreements 16. The actual means by which property is damaged or destroyed is called a a. burden of proof b. friendly fire legal liability cause of loss, or peril 17. Deliberate acts which cause bodily harm are known as: a. strict liability negligence c. intentional torts d.hold-harmless agreements 4 6. Underwriting activities include: a. monitoring results c. agency appointments e. a. and b. above 6. determining policy terms and conditions Dall of the above