How Does an Insurance Contract Differ from an Ordinary Business

How does an insurance contract differ from an ordinary business contract?

A) There is uncertainty that could result in either a gain or a loss.
B) Both parties believe that the contractual price and the value of the contractual goods are equivalent.
C) The insured will receive a sum of money on the occurrence of an event which must occur at some time,although the time of the occurrence is uncertain.
D) One party knows that they are paying a price far less than the value provided by the other party and that the other party will only have to perform if certain conditions are met.