Okay, let’s tackle this. So Albert Ritchie has 37 years of experience in insurance, which is a long time. He’s held senior roles at Utica National Insurance Group, which is a well-established company. Skills like underwriting, commercial insurance, and claims management are in demand. Location is Utica, New York, which is a mid-sized city. According to the Bureau of Labor Statistics, insurance underwriters in the New York metropolitan area earn around $80,000 per year. However, considering his experience and seniority, I would estimate his hourly rate to be around $125, which is slightly higher than the average. Some insurance professionals with similar experience and skills in the region might charge around $100-$150 per hour. So, I’ll stick with $125.