Which contract type does not allow for negotiation of terms?

The choice that accurately reflects a contract type that does not allow for negotiation of terms is the contract of adhesion. This type of contract is created by one party, typically a stronger party, and presented to the weaker party on a "take it or leave it" basis. The terms are set unilaterally, meaning the other party must accept the contract as is, without any opportunity for negotiation or alteration.

In the context of crop insurance, contracts of adhesion are common as insurance policies are often standardized documents, where the policyholder has limited ability to negotiate specific terms. This ensures clarity and uniformity across many contracts but can also limit the flexibility for the insured party to modify terms to better suit their particular circumstances.

Although other types of contracts may involve varying degrees of negotiation, a contract of adhesion distinctly lacks any negotiation leverage, making it unique in this respect.