Essentially each exporter will earn his own rate depending on his own individual claims experience. An Underwriter in assessing the risk initially takes many factors into account. He will obviously look at the commodity, the conditions of insurance he is being asked to grant, the adequacy of the packing, the attention given to shipping arrangements, destinations, etc. but primarily he will be guided in his judgement by the exporter’s past claims experience. In this regard there are a number of ways in which an exporter can make a positive contribution towards keeping his own insurance cost to a minimum and this will be dealt with in a little more detail when discussing the question of loss prevention.