Either the seller of the goods or the buyer (depending on the terms of sale), or a freight forwarder on behalf of the party bearing responsibility for shipping arrangements, may buy cover directly from an insurance company offering marine goods transit insurance, or from underwriters in the London market, as for a ship. A basic policy document is drawn up with suitable clauses attached. The chief clauses attached to a cargo policy obtained in the London market are the Institute Cargo Clauses “A”, “B” or “C”.