Regarding insurance and fee under each contract

Actually, from year 2013, we will pay insurance fee under each contact and customer do not need to pay this cost. Under the term FOB/C&F/CIF, customer/buyer bear all risks of loss of or damage to the goods from the time they have passed the ship’s rail at the named port of shipment. We will buy and pay insurance fee for customer and if any damage happed under insurance, customer have to contact local insurance agent. We are not the insurance beneficiary but we will provide necessary assistance.