On one side: a gigantic company with a fleet of lawyers whose full time job is to write policies that are as advantageous as possible for the company. On the o

On one side: a gigantic company with a fleet of lawyers whose full time job is to write policies that are as advantageous as possible for the company. On the other side: a random non-expert who needs some insurance, among a thousand other things going on in their life. How much fault should assign to the second one?