Question

deficit means :
an excess of liabilities over assets
payment for insurance
something added to what you already have
rubbish carelessly dropped or left about

Explanation:

In business and accounting, a deficit occurs when liabilities exceed assets. "Payment for insurance" is related to insurance premiums. "Something added" is more like an addition or surplus. "Rubbish dropped" is litter.

Answer:

an excess of liabilities over assets