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Under Free Alongside Ship (FAS) conditions, the buyer is responsible for loading the cargo onboard, which is reflected in the choice selected. Under this shipping term, the seller's responsibility ends when the goods are delivered alongside the vessel at the terminal, making it the buyer's obligation to load the cargo onto the ship. This is a key element of FAS agreements, as the risk and costs associated with the cargo transfer occur after the goods have been placed next to the ship.

In this context, the other options, while relevant in different shipping situations, do not accurately represent the buyer's responsibilities under FAS. For instance, paying shipping tariffs typically falls under the carrier’s terms of service or the buyer’s obligation in other terms but not specifically in FAS conditions. Similarly, transporting goods to a terminal may be part of pre-shipping logistics but is not an explicit responsibility outlined under FAS. Lastly, insurance coverage for shipments is generally the buyer's responsibility in many transport terms, but under FAS, the primary focus is on loading, which is where the buyer's responsibility is distinctly highlighted.