Gamblers, by creating advanced risk transfer, are risk seekers. Insurance buyers are risk avoiders, creating risk transfer in terms of their need to reduce exposure to exorbitant losses.
In the United States, standard line insurance companies are your "main stream" insurers. These are the companies that almost always insure your Hole In One Coverage auto, asylum or business. They use pattern or "cookie-cutter" policies without variation from unique person to the next. They usually have lower premiums than excess lines and can sell forthwith to individuals. They are regulated by state laws that can restrict the hunk they can charge for assurance policies.