Michael S. Levine, Andrea DeField

Celebrating Freedom: The Overlooked Freedom to Contract in Commercial Insurance

Happy 4 th and 250 years of freedom . . . to contract! Many policyholders assume insurance policies are “standard” and must be accepted as-is. That assumption is often wrong—and dangerously limiting. Unlike many consumer insurance markets, the commercial insurance realm preserves a robust “freedom to contract,” allowing sophisticated policyholders to negotia