With a social approach, this paper aims to understand insurance contracts whilst analyzing it under the premise of the democratic state of law. Additionally, this study explores the influence of the constitution’s principles in a contract’s execution, investigates the party’s contractual obligations and examines the most appropriate interpretative form of analysis for the insurance pact in accordance with the notion of social responsibility. Furthermore, this research concludes that insurers can promote social responsibility in market performance – specifically with its policyholders.