I am an independent contractor, I have my own insurance and deliver goods for a company that receives them at their warehouse from shipper. They want me to list them as payee in the case of loss/damage cargo. My insurance company refused but didn't explain why. Shouldn't the company that receives the goods already have it insured? In case something does happen, they get the check and I get stuck paying a higher insurance premium. It seems a bit shady to me. Can somebody explain this to me?