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1A. Insurance contract (6) P?????

21A Creator of the world (8) ?????R?E

5D. Watery(7) A?????S

5 AQUEOUS

policy

21a) a long shot.......universe?

It's a real puzzle as we've thought of Almighty etc but your universe does fit the letters .... But still rather odd!

12A timid, shaking (9) T?E???O??

8A mystic symbol (8) ??N?A?L?

12a) tremulous

8 Pentacle

What has anyone else got for 21A if not universe?

10D. State of isolation (10) ?U?R???V??

Quarantine?

21 Demiurge