Negotiation of an insurance contract includes which of the following actions?

Negotiation of an insurance contract primarily involves discussing and reaching an agreement on the terms, coverages, and conditions included in the policy. When one gives recommendations as to coverage, it indicates an active participation in the negotiation process. This action demonstrates an analysis of what coverage may be necessary or beneficial based on the specific risks involved, allowing for more tailored insurance solutions that fit the individual's or entity's needs.

The other actions, such as reading the terms of a policy, signing the insurance policy, and reporting claims, are not primarily negotiation actions. Reading the terms is more about understanding and assessing what's being offered, while signing signifies the acceptance of the terms already agreed upon, and reporting claims pertains to the implementation of the insurance after a risk event rather than the negotiation of the policy itself. Thus, giving recommendations on coverage stands out as the action specifically related to the negotiation process within the context of an insurance contract.