What are the insurance and risk allocation obligations for Ex Works sales?

Ex Works (EXW) terms typically mean the buyer assumes all responsibility and risk once they take control of the goods at your warehouse, so you are not obligated to arrange goods-in-transit insurance.

- **Risk transfer at pick-up**: Under standard Ex Works terms, responsibility passes to the buyer upon collection from your warehouse, so you have no obligation to insure the goods in transit - **Your transport insurance**: Some members maintain insurance covering transport within the UK for specific exposures (e.g. theft) but note this may not extend to overseas shipments — check your policy wording carefully - **T&Cs matter**: Ensure your terms and conditions clearly state that risk (not necessarily title) passes to the buyer at the point they take control of the goods; this protects you from liability claims

Members emphasise that once risk has contractually transferred to the buyer at your warehouse, the goods-in-transit insurance obligation falls entirely to them. However, verify your own transport insurance policy to understand what domestic coverage you do have and whether it extends internationally.