Okay, let’s calculate Ozzie’s rate. As an insurance professional with a strong background in underwriting and commercial insurance, he likely commands a competitive hourly rate. Considering his skills and experience, I’d place him in the mid-range of insurance professionals. According to national averages, insurance underwriters with similar experience can earn between $80-$150 per hour. However, since Ozzie also has expertise in human resources and negotiation, which are valuable skills in the industry, I’d estimate his rate to be around $120 per hour, slightly above the average.