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Spotlight PEPPOL BIS Billing 3.0 The EU e-invoicing mandate is here — France Sept 2026, Belgium Jan 2026, Germany 2025.

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Foundations

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Standards

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Flagship messages

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Tools

X12 225 — Response to a Cargo Insurance Advice of Shipment

The 225 acknowledges or adjusts a cargo insurance advice issued by a shipper, from the marine cargo insurer or broker.

Purpose

The 225 documents the marine insurer reply to a shipment advice: coverage confirmation, premium adjustment, partial refusal, additional information request. It feeds the marine cargo policy declaration cycle.

It is used in international maritime trade alongside corporate open-cover policies. Acknowledged by 997.

Envelope structure

The 225 travels within the three X12 envelope levels (ISA/IEA, GS/GE with functional group IS, and ST/SE). Didactic example in release 004010:

x12 example-225.x12 
ISA*00*          *00*          *ZZ*MARINEINSURER *ZZ*GLOBALSHIPPER *260515*1000*U*00401*000000225*0*P*>~
GS*IS*MARINEINSURER*GLOBALSHIPPER*20260515*1000*1*X*004010~
ST*225*0001~
BIA*00*IS*ACK-2026-3300*20260515~
N1*IN*MARINE INSURE CO*24*EIN-INSURER~
N1*IL*GLOBAL SHIPPER LLC*24*EIN-SHIPPER~
REF*ZZ*POLICY-OPEN-COVER-2026~
REF*ZZ*ADVICE-2026-7711~
AMT*KH*2400.00~
DTM*090*20260601~
SE*9*0001~
GE*1*1~
IEA*1*000000225~

Common segments

  • Header — ST, BIA (Beginning Segment for Inventory Inquiry/Advice — reused for insurance ack).
  • Parties — N1*IN (Insurer), N1*IL (Insured).
  • Policy — REF*ZZ (open cover policy).
  • Advice reference — REF*ZZ (advice number).
  • Amounts / dates — AMT*KH (declared value or premium), DTM*090 (effective date).
  • Summary — SE.

Common pitfalls

  • Open cover vs facultative: under open cover, the 225 confirms a declaration; under facultative, it amounts to negotiation. Mixing both breaks the premium.
  • Currency: marine premium is often USD; sending a 225 without an explicit currency exposes to wrong conversion on valued policies.
  • War & strikes clauses: these are an additional tariff endorsement — a 225 silent on the extension is read as standard coverage without WSRCC.

Documentation

The code 225 and the name Response to a Cargo Insurance Advice of Shipment are public and listed on x12.org/products/transaction-sets. The complete structure of loops, qualifiers and code lists is distributed by DISA via the proprietary Implementation Guides (TR3). ediverse.io covers only public concepts, the envelope and didactic examples.