Okay, let’s tackle this. So Melissa has 23 years of experience in the insurance industry, which is a significant amount of time. Her skills include Property and Casualty Insurance, Risk Management, Underwriting, Commercial Insurance, Workers Compensation, and Liability. She’s been working at Holmes Murphy & Associates for 23 years, which is a long time. Considering her experience and skills, her hourly rate might be on the lower side. However, location is Cedar Rapids, Iowa, which is a smaller city. Insurance professionals with similar experience in larger cities might charge higher rates. Let’s check averages. According to the Bureau of Labor Statistics, the median annual salary for Insurance Underwriters in the United States is around $62,000. However, this doesn’t take into account non-wage benefits, bonuses, or overtime. Since Melissa has been with the same company for 23 years, she might have some benefits or bonuses that increase her overall compensation. Assuming she’s working full-time, her hourly rate might be around $37–$50. But considering her expertise in Transportation Risk Management, she might be able to charge a bit more. Let’s estimate around $75 per hour.