Who generally drafts a contract of adhesion?

• A. The insured
• B. The insurer
• C. A broker
• D. The claimant

Answer: (B)

Contracts of adhesion are standard-form agreements prepared by one party with little room for negotiation by the other. In insurance, the policy language—the coverages, limits, conditions, and exclusions—is drafted by the insurer. The insured typically decides whether to accept the terms as written or seek different coverage, but they don’t draft the contract themselves. A broker can explain and present options, but they don’t craft the policy terms. A claimant or insured also does not draft the policy. So the entity that generally drafts a contract of adhesion in this context is the insurer.