|As I understand it: Company X receives goods from a Supplier. Both are covered by separate insurance policies.
Something is damaged or lost. Then it is the supplier's insurance that carries the burden of reimbursement (primary)
noncontributory: what say the supplier said to Company X, you claim on your own insurance, and we'll make up (contribute) any shortfall in covering the cost of damage or loss. Oh, no, says this part of the contract. Let's be very clear. It is the supplier who is primary in providing insurance -( 'primary to...insurance that our Company X has') to cover these costs...and continues to spell this out, and make it clear, the Supplier does not just make a contribution towards the costs and expects Company X's insurance to also pay part of the costs.
Student or Learner