Okay, let’s tackle this. So Josh has skills in insurance, underwriting, risk management, and customer service, which are valuable in the industry. He has experience in workers compensation and professional liability, which are in-demand areas. Location is Baltimore, MD, which is a mid-sized city. According to the Bureau of Labor Statistics, the median annual salary for insurance underwriters in the Baltimore area is around $62,000. Considering Josh’s skills and experience, I estimate his hourly rate to be around $75, which is slightly above the median salary. This rate is also in line with industry standards for insurance professionals with similar skills and experience.