Okay, let’s calculate Jill’s rate. So Jill has a certification as a Certified Insurance Service Representative (CISR), which is a good starting point. However, her skills are more focused on Property and Casualty Insurance, Commercial Insurance, and Risk Management. These are important areas, but they may not be as in-demand as other skills like data science or cloud computing. Location is Downingtown, Pennsylvania, which is a smaller market. Insurance professionals with similar skills and certifications might average $40–$80 per hour. Considering Jill’s experience and certification, I’ll estimate her rate to be around $75 per hour, which is on the lower end of the range but still reasonable for a local insurance professional.