Okay, let’s calculate this. Harold has a broad range of skills, including insurance, management, and risk management. He’s based in Corona, CA, which is a moderately priced area. Considering his skills, I'd estimate his rate to be around $125 per hour, which is slightly below the national average for insurance and risk management professionals. This rate is also in line with what I'd expect for a generalist with a broad skill set, rather than a specialist. Some insurance and risk management professionals can charge upwards of $200 per hour, but Harold's rate seems reasonable given his experience and skills.