Since insurance contracts are generally standard forms with many detailed provisions drawn up by the insurer, they are considered to be:
A. contracts of adhesion.
B. unenforceable if the insured cannot negotiate terms.
C. insurable interests.
D. contrary to the indemnity principle.
A. Contracts of adhesion
A standard form contract (sometimes referred to as a contract of adhesion, a leonine contract, a take-it-or-leave-it contract, or a boilerplate contract) is a contract between two parties, where the terms and conditions of the contract are set by one of the parties, and the other party has little or no ability to negotiate.