In New York Univ. v. Continental Ins. Co., 87 N.Y.2d 308 [1995] the Court of Appeals noted that the parties involved a major university acting through its director of insurance and a large national insurance company, and the action concerned a nonstandard policy for theft. The annual premiums were in excess of $ 55,000 and the policy provided coverage for losses up to $ 10 million. The situation presented here is more analogous to Oswego Laborers' Local 214 Pension Fund, supra, which involved standard documents that were not unique to the individual parties involved and which involved disparate bargaining positions (see, New York Univ. v. Continental Ins. Co., supra, at 319).