Finally, when the rules of contract construction fail to resolve the ambiguity in contractual interpretation, courts will construe the policy contra proferentem. Contra proferentem means where a term is ambiguous, the term is interpreted against whomever drafted the term. In other words, in the insurance context, the contract will be interpreted against the insurer. This effectively means that coverage provisions will be interpreted broadly in favour of the insured and exclusion provisions will be interpreted narrowly against the insurer.