Thanks for providing the link to a copy of the UCC. I have read that and have found an interesting clause in the UCC that I feel shoots a hole in your argument.
Of particular interest is § 1-302. Variation by Agreement.; subsection (a) which is quoted below:
The word "agreement" is hot-linked to it's UCC definition which is quoted below:
And in case there is a question regarding the UCC's definition of contract, I've quote that below:
I've highlighted the passage of text in blue that was of interest to me. It indicates that variation by agreement can be obtained for the transaction by inferred circumstances. As a result, I do not believe explicit language has to be present in order for the transfer of that said responsibility from the seller to the buyer. It is my opinion that whenever the cost of insurance is taken out of the core shipping-and-handling charges and offered to the buyer as an optional component of the transaction, that infers a change in responsibility for the safe delivery of the goods in question from the seller to the buyer.
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