In addition, interpretations become more predictable with the verification of policy forms by the courts, as the courts develop the interpretation of the same clauses in the same policy forms and not in different insurer policies.  Internal stakeholders are owners, managers and workers. External stakeholders are customers and suppliers. The community in which the organization does business is also a stakeholder. Not all stakeholders are equal and different stakeholders will have different thinking. These stakeholders may be directly or indirectly involved in the organization and development of policies. Below is a non-exhaustive list of internal stakeholders in the insurance industry: however, in recent years, insurers have increasingly changed company-specific standard forms or refused to change standard forms. For example, a review of household insurance revealed important differences between the different provisions.  In some areas, such as executive liability insurance and private roof insurance, there is little industry-wide standardization. In insurance, the insurance policy is a (usually standard) contract between the insurer and the policyholder that sets out the fees that the insurer is legally required to pay. In exchange for a first payment, known as a premium, the insurer promises to pay for losses due to risks covered by the language of insurance. . .