Okay, let’s tackle this. So Neil Ouverson has an impressive 51 years of experience as an insurance broker and owner. This level of experience is rare and valuable, especially in a niche field like commercial insurance. Location is Hanlontown, Iowa, which is a smaller market. Insurance professionals with his level of experience typically charge higher rates. Maybe around $200–$400 per hour? But considering his extensive experience and local market, maybe higher. Some industry benchmarks suggest that insurance brokers with 50+ years of experience can charge upwards of $250–$500 per hour. So I’ll estimate around $275.